Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 5% restricted

$1,341

We estimate as

Card Details
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
Plus, unlimited 1% cash back on all other purchases. Terms Apply.
No annual fee.
No penalty APR.
Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TV™subscription when you use your Discover card.
Automatic a dollar-for-dollar Cashback Match™ you've earned at the end of your first year.
Redeem your rewards for cash in any amount, anytime.
Free monthly access to FICO® Score.
Freeze it® on/off switch option for your account protection.

Pros
5% cash back
No annual fee
No penalty APR
No overlimit fee
No foreign transaction fee
0% APR for 14 months

Cons
Good to excellent credit score required
No signup bonus

First Tennessee Platinum Premier® Visa® photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

10%

unlimited cash back

$7,200

We estimate as

Card Details
No annual fee.
Credit lines starting at $5,000.
Earn up to 10% cash back on your purchases.
Access to First Tennessee Cash Rewards®.
0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
Can be linked to checking for overdraft protection.
Compatible with Apple Pay® for convenient purchases.

Pros
No Annual Fee
Cash back rewards
0% Intro APR for the first 12 months

Cons
No signup bonus

Our Take

The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 5% restricted

$3,285

We estimate as

Card Details
No annual fee.
Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
1% cash back or more on all other purchases.
Only Discover automatically matches all the cash back you've earned at the end of your first year.
0% Intro APR for 14 months on purchases and balance transfers.
Redeem your rewards for cash in any amount, any time. Your cash back never expires.
Paying late won't raise your APR. No late fee for your first late payment.
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.

Pros
5% cash back
No annual fee
0% Intro APR for 14 months

Cons
No sign-up bonus
3% fee for each balance transfer

Our Take

The card has no annual fee, a little tolerance to late payments and an attractive 14-month long balance transfer offer with zero APR. An equal promotional period of zero APR on purchases makes it possible to you to earn rewards while paying down your debt without pitfalls (just mind the gap when APRs differ).

Apply

This card earns Hilton Honors Points (Hilton Honors program)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.8%

3-7 points per $1 spent

$300

50,000 points

$2,028

We estimate as

Card Details
Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership.
No annual fee.
Earn 7X Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
Earn 5X Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors bonus points on all other eligible purchases.
No foreign transaction fees.
Enjoy complimentary Hilton Honors Silver status with your Card.
Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

Pros
Generous signup bonus
High rewards rate
No annual fee
No foreign transaction fee

Cons
Good to excellent credit score required

Apply

This card earns Memership Rewards Points (American Express program) See transfer options

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.9%

1-2 points per $1 spent

$190

10,000 points

$1,763

We estimate as

Card Details
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
No annual fee. 0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 14.74% - 25.74%, based on your creditworthiness and other factors.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.

Pros
Generous signup bonus
No annual fee
High rate for rewards
0% on Purchases and Balance Transfers for 15 months

Cons
Good to excellent credit score required

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

unlimited cash back

$200

$1,640

We estimate as

Card Details
With the introductory offer, you will earn a $200 bonus if you spend $3,000 in eligible purchases within 90 days of your SDFCU Premium Cash Back+ Card enrollment date.
2% cash rewards.
No balance transfer fee.
No foreign transaction fee.
No annual fee.
10.99% APR.
Secure EMV chip technology.
24-hour banking and mobile app access.

Pros
Low APR
2% cash back
Signup bonus
No annual fee
No foreign transaction fee
No balance transfer fee

Cons
No rewards available

Choice Privileges® Visa Signature® Card from Barclaycard photo

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This card earns Choice Privileges Points (Choice Privileges program)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.2%

2-15 points per $1 spent

$192

32,000 points

$1,618

We estimate as

Card Details
2 points per eligible $1 spent on everyday purchases everywhere Visa is accepted.
15 points per $1 spent at eligible Choice Privileges® locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
5 points per eligible $1 spent on the purchase of Choice Privileges® points or Choice Hotels gift card purchases.
Earn 32,000 bonus points after you spend $1,000 on purchases in the first 90 days, enough for up to 4 free nights.
No Annual Fee.
Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
Get a 10% Points Bonus every time you purchase a stay with Choice Hotels®.
Redemptions for free nights at Choice Hotels or digital gift cards from over 80 of your favorite restaurants and retailors.
Enjoy Elite Gold status every time upon approval for the Choice Privileges Visa Card.

Pros
High rewards rate
Sign-up bonus
No Annual Fee
0% introductory APR for the first 15 billing cycles following each balance transfer

Cons
Has foreign transaction fees

Norwegian Cruise Line® World Mastercard® from Bank of America photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

1-3 points per $1 spent

$150

10,000 points

$1,446

We estimate as

Card Details
Earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, and 1 WorldPoints® point per $1 on all other purchases. Terms Apply.
No annual fee.
Get 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days - enough for $100 off your next cruise. Terms Apply.
Redeem points for stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays or gift cards. You'll also get exclusive redemption opportunities for last-minute cruises and other special offers.
Bank of America Preferred Rewards clients get an additional 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Terms Apply.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
High rewards rate
Sign-up bonus
No annual fee

Cons
Has foreign transaction fees

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

unlimited cash back

$1,440

We estimate as

Card Details
Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
No caps and no category restrictions.
No annual fee.
0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
You can redeem cash back for checks, statement credits or gift cards.
Get a pass on your first late fee.
Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
Travel & Purchase protection.

Pros
2% cash back
No annual fee
0% Intro APR on balance transfers for 18 months

Cons
Good to excellent credit score required
No signup bonus

Bank of America® Travel Rewards credit card photo

Apply

This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

1.5-3 points per $1 spent

$250

25,000 points

$1,438

We estimate as

Card Details
Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points. Terms Apply.
25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases. Terms Apply.
No Annual Fee.
No Foreign Transaction Fees.
Introductory 0% APR for your first 12 billing cycles for purchases. After that, a Variable APR that's currently 16.99% - 24.99% will apply.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
High rewards rate
Sign-up bonus
No Annual Fee
No Foreign Transaction Fees
Intro 0% APR for the first 12 billing cycles

Cons
Has interest charges

Our Take

The Bank of America® Travel Rewards credit card has a number of things going for it. It’s free, there is a sign-up bonus, and it has the potential of earning rewards at a rate above market average.

Apply

This card earns ThankYou Points (Citi ThankYou program) See transfer options

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.6%

1-2 points per $1 spent

$160

10,000 points

$1,427

We estimate as

Card Details
10,000 Bonus Points after you spend $1,000 in purchases within 3 months of account opening.
Earn 2 Points for every $1 you spend on purchases made online at retail and travel websites.
Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. You earn 2X points on AT&T purchases like a new tablet or accessories for your phone.
Earn 1 Point for every $1 you spend on other purchases.
Redeem your points for exciting rewards like gift cards, travel rewards, electronics and more.
No Annual Fee.
Citi customers enjoy special access to purchase tickets to thousands of events annually.
Travel & Purchase protection.
Citi® Cards with Apple Pay®.

Pros
Bonus reward points
Sign-up bonus
No Annual Fee

Cons
Good to excellent credit score required

Wyndham Rewards® Visa® Card from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.2%

1-3 points per $1 spent

$180

15,000 points

$1,390

We estimate as

Card Details
Get 15,000 bonus points after your first purchase enough to redeem for up to 1 free night.
No Annual Fee.
Earn 3 points per $1 spent on eligible purchases for every participating hotel stay, Wyndham Vacation Rental North America properties, and on-property spend and maintenance fees at Wyndham timeshare properties.
Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®).
No Foreign transaction fees.
0% APR on all Wyndham Timeshare Purchases for six billing cycles.
0% Intro APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Protection against unauthorized use of card.
Global assistance services 24/7.

Pros
Sign-up bonus
High rate of rewards
No Annual Fee
No Foreign transaction fees
No Penalty APR

Cons
Good to excellent credit score required

Priceline Rewards™ Visa® Card from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.25%

1-5 points per $1 spent

$62.5

5,000 points

$1,323

We estimate as

Card Details
Earn 5X points on eligible priceline.com purchases, and 1X points per $1 spent on purchases everywhere Visa is accepted. Terms Apply.
No Annual Fee.
5,000 bonus points after first purchase. That's enough to redeem for a $50 statement credit.
No Foreign Transaction Fees.
Get 10% points back every time you redeem for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days.
0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
No limit on the number of points you can earn.
$0 Fraud Liability protection.
Concierge service provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.

Pros
High rewards rate
No Annual Fee
Sign-up bonus
No Foreign transaction fees

Cons
Good to excellent credit score required

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 2% restricted

$1,296

We estimate as

Card Details
5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months.
2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back.
1% Unlimited Cash Back on all other qualifying purchases.
0% intro APR on purchases and balance transfers for 15 months after account opening.
No annual fee.
No foreign transaction fees.

Pros
5% cash back
No annual fee
No foreign transaction fee

Cons
No signup bonus

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

unlimited cash back

$200

$1,280

We estimate as

Card Details
$200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months. Terms Apply.
Unlimited 1.5% cash rewards on net purchases.
No Annual Fee.
1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) during the first 12 months from account opening.
0% intro APR on purchases and balance transfers for 12 months.
No category restrictions or quarterly sign ups to limit cash rewards earnings.
Cash rewards that don’t expire while the account is open.
Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions.

Pros
Cash rewards
No annual fee
Sign-up bonus
Low introductory APR

Cons
Good to excellent credit score required
Has foreign transaction fees

Chase Freedom Unlimited® credit card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

unlimited cash back

$150

$1,230

We estimate as

Card Details
Earn $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Enjoy 0% promotional APR for 15 months from date of purchase on purchases of $299 or more – available anytime and it's automatic. After that, 16.99% - 25.74% variable APR.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.

Pros
1.5% unlimited cash back on all purchases
No annual fee
$150 bonus with low qualification
0% intro APR for 15 months on purchases

Cons
Good to excellent credit score required

U.S. Bank FlexPerks® Select+ American Express® Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

Points per $1 on all purchases per $ spent

$150

10,000 points

$1,230

We estimate as

Card Details
Earn 10,000 bonus FlexPoints worth $150 on airfare, hotel stays, car rentals and more. Just spend $1,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening.
Earn up to 1 FlexPoint for every $1 spent in eligible Net Purchases.
No Annual Fee.
Travel on more than 150 airlines with no blackout dates or online redemption fees.
Redemption starts at just 1,000 FlexPoints for merchandise, gift cards, statement credits and more.
Award travel starts at just 20,000 FlexPoints.
American Express Benefits.
0% introductory APR for the first 9 billing cycles for balances transferred within 60 days from account opening.

Pros
Sign-up bonus
No Annual Fee
0% Intro APR for the first 9 billing cycles for balance transfers

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

unlimited cash back

$150

$1,230

We estimate as

Card Details
Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the $250 back as a statement credit.
No annual fee.
Unlimited 1.5% Cash Back on your purchases.
0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
Car rental loss and damage insurance.
Travel and shopping benefits.

Pros
Unlimited 1.5% Cash Back
Generous signup bonus
No annual fee
0% purchase and balance transfer intro APR

Cons
Good to excellent credit score required
Has foreign transaction fees.

Apply

This card earns TrueBlue Points (TrueBlue program by JetBlue)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.2%

1-3 points per $1 spent

$120

10,000 points

$1,200

We estimate as

Card Details
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
3X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases. Terms Apply.
No annual fee.
50% inflight savings on cocktails and food purchases.
No foreign transaction fees.
No blackout dates on JetBlue-operated flights.
$0 Fraud Liability protection.
Points awarded to your TrueBlue account don't expire. Redeem anytime.
Redeem for any seat, any time on JetBlue-operated flights. Terms Apply.
Earn and share points together with your family.

Pros
High rate of rewards
No Annual Fee
Sign-up bonus
No Foreign Transaction Fees
No Penalty APR

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 4% restricted

$100

$1,180

We estimate as

Card Details
Earn $100 after spending $500 on purchases in the first 90 days.
4% back on restaurants, takeout, and bars, including UberEATS.
3% back on airfare, hotels, and vacation home rentals.
2% back on online purchases including Uber, online shopping, video and music streaming services.
1% back on all other purchases.
Up to a $50 credit for online subscription services after you spend $5,000 on your card per year.
No foreign transaction fees.
No annual fee.
Up to $600 in mobile phone protection including damage and theft when you use your Uber Visa Card to pay your monthly mobile phone bill.
Receive invites to exclusive events and offers in select U.S. cities.

Pros
4% cash back
No annual fee
No foreign transaction fee
Generous signup bonus

Cons
Good to excellent credit score required

Blue Cash Everyday® Card from American Express photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$200

$1,172

We estimate as

Card Details
Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
No annual fee.
Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
Earn 1% Cash Back on other purchases. Terms and limitations apply.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
Travel and shopping benefits.

Pros
No annual fee
Generous signup bonus
Competitive cash back on groceries
Good cash back rate on gas

Cons
0% APR for purchases and balance transfer for 15 month, then a regular APR is applied

Bank of America® Cash Rewards Credit Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$200

$1,100

We estimate as

Card Details
1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.
Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
Complete your application and get a response in as little as 60 seconds.

Pros
0% APR intro offer for 12 months on purchases and balance transfer
No annual fee
2% cash back on groceries
3% cash back on gas
$150 online bonus

Cons
Good to excellent credit score required
1% cash back on all purchases is not a top-notch offer

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.25%

Miles per $1 on all purchases per $ spent

$200

20,000 miles

$1,100

We estimate as

Card Details
Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
No Annual Fee.
0% intro APR for 12 months; 13.74%, 19.74% or 23.74% variable APR after that.
Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
Use the card with Apple PayTM to make purchases on the go.
No foreign transaction fees.
Visa Signature® Benefits.

Pros
Sign-up bonus
Unlimited Rewards
No Annual Fee
No foreign transaction fees

Cons
Good to excellent credit score required

Amazon Rewards Visa Signature Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$50

$1,094

We estimate as

Card Details
$50 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
Earn 3% Back at Amazon.com and Whole Foods Market, 2% Back at restaurants, gas stations and drugstores, and 1% Back on all other purchases. Terms Apply.
No annual fee.
No foreign transaction fees.
Redeem for millions of items at Amazon.com.
Service & protection.

Pros
$50 Amazon.com Gift Card
Cash Back rewards
No Annual Fee
No Foreign transaction fees

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

Miles per $1 on all purchases per $ spent

$1,080

We estimate as

Card Details
Earn unlimited 1.5X Miles for every $1 spent on all purchases – from airfare and hotels to groceries and online shopping. Terms Apply.
No Annual Fee.
Get Cashback Match for all the Miles you've earned at the end of your first year. For example, 30,000 Miles turns into 60,000 Miles.
No Penalty APR.
Use your Discover it® Miles card for any travel purchase, including all airlines, hotels, rental cars and more.
Once you book your travel with Discover it® Miles card, redeem your Miles as a statement credit towards the purchase. Your rewards never expire.
Freeze it® on/off switch option for your account protection.
100% U.S. based customer service.
Free monthly access to FICO® Score.
Fraud monitoring and protection.

Pros
Sign-up bonus
No Annual Fee
No Penalty APR
No Foreign Transaction Fees

Cons
Good to excellent credit score required

Preferred Cash Rewards Visa Signature® Credit Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.5%

unlimited cash back

$1,080

We estimate as

Card Details
Earn 1.5% cash back on every purchase.
Redeem your cash rewards anytime using your mobile device or computer.
There's no limit on the amount you can earn.
No foreign transaction fees.
No annual fee.
Special Benefits for Military.
Security, Travel and Retail Benefits.

Pros
No Annual Fee
No Foreign transaction fees
1.5% cash back on all purchases

Cons
No signup bonus
Good to excellent credit score required

Apply

This card earns SkyMiles (SkyMiles program by Delta)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.2%

1-2 miles per $1 spent

$120

10,000 miles

$1,070

We estimate as

Card Details
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
No annual fee.
Earn 2X miles per dollar at US restaurants.
Earn 2X miles per dollar on Delta purchases.
Earn 1X mile per dollar on all other eligible purchases. Terms apply.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
Shopping & entertainment benefits.

Pros
Generous signup bonus
No annual fee

Cons
High purchase APR

BMO Harris Bank Cash Back Mastercard® photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 2% restricted

$200

$1,064

We estimate as

Card Details
Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
$200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
No annual fee.
Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.

Pros
2% cash back
No annual fee
$200 cash back bonus
0% purchase and balance transfer intro APR

Cons
Good to excellent credit score required

Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$150

$1,050

We estimate as

Card Details
1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
Help fight breast cancer. Terms Apply.
Enjoy no annual fee while earning more cash back for the things you buy most.
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
You can get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Free monthly access to FICO® Score.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.

Pros
1.5% cash back
Help fight breast cancer
Sign-up bonus
No Annual Fee
0% Intro APR for your first 12 billing cycles
Security & Benefits

MLB™ Cash Rewards Mastercard® from Bank of America photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$150

$1,050

We estimate as

Card Details
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
Earn rewards you like and choose the card with your favorite team. All MLB® teams are available.
No Annual Fee.
0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
Cash back rewards
Sign-up bonus
No annual Fee
0% Intro APR for the first 12 billing cycles

World Wildlife Fund Credit Card from Bank of America photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$150

$1,050

We estimate as

Card Details
1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
For each new World Wildlife Fund credit card account World Wildlife Fund receives a minimum of $3, 0.08% of all net retail purchases made with this card, and $3 for each annual card renewal.
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
No Annual Fee.
0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
Cash Back Rewards
Help support WWF
No Annual Fee
0% Intro APR for your first 12 billing cycles
Security & Benefits

U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$150

$1,050

We estimate as

Card Details
1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
No Annual Fee.
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
No Annual Fee
Sign-up bonus
0% Intro APR for the first 12 billing cycles
Cash Back Rewards
Free monthly access to FICO® Score

Cons
Has interest charges

Amazon Prime Rewards Visa® Signature Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$1,044

We estimate as

Card Details
No annual fee.
No foreign transaction fees.
Get a $50 Amazon.com Gift Card instantly upon credit card approval.
Earn 3% cash back at Amazon.com and Whole Foods Market.
Earn 2% cash back at gas stations, restaurants, and drugstores.
Earn 1% cash back on all other purchases.
Redeem for millions of items at Amazon.com
Travel perks and protection.

Pros
No annual fee
No foreign transaction fee
3% cash back

Cons
Good to excellent credit score required

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$100

$1,036

We estimate as

Card Details
$100 Bonus Cash Back after you spend $500 on purchases in the first 3 months from account opening.
Earn 3% Cash Back rewards on purchase at gas stations and restaurants, from fine dining to fast food.
Plus, earn 1% Cash Back rewards on all other purchases.
No Annual Fee.
No caps and rewards do not expire as long as your account is open.
Redeem rewards for cash back, gift cards and traveling.
For every purchase you make at restaurants with your AARP Credit Card from Chase, $0.10 will be donated to AARP Foundation in support of Drive To End Hunger, up to $1.1 Million in 2016.
Service & protection.

Pros
$100 Bonus Cash Back
Unlimited Cash Back rewards
No Annual Fee
Service & protection

First Hawaiian Bank Cash Rewards Credit Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$125

$1,025

We estimate as

Card Details
Apply by December 31, 2018, and if approved, receive a $125 statement credit after spending only $500 in the first three months.
Earn 3% cash back on gas purchases, 2% cash back on grocery purchases, 1% cash back on all other purchases.
Cash rewards are automatically credited to your monthly credit card statement.
No annual fee.
$100,000 Travel Accident Insurance.
Secondary Rental Car Insurance.
Color Photo I.D.
24-Hour Customer Service.
Embedded EMV chip provides an extra layer of security and greater worldwide acceptance.

Pros
Generous signup bonus
3% cash back
No annual fee

Cons
No signup bonus

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 5% restricted

$1,017

We estimate as

Card Details
No annual fee.
0% intro APR for 18 months on balance transfers.
Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more. Terms apply.
Plus unlimited 1% cash back on all other purchases.
Only Discover automatically matches all the cash back you've earned at the end of your first year.
Your cash back never expires. Redeem in any amount, at any time.
Freeze It® on/off switch for your account.
100% U.S.-based customer Service.
View your FICO® Credit Score for free.

Pros
No annual fee
No foreign transaction fee
Low balance transfer intro APR
5% cash back

Cons
Has balance transfer fee

USAA Rewards™ American Express® Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-3 points per $1 spent

$1,008

We estimate as

Card Details
3X points for dining out, 2X points for gas and groceries, 1X points on all other purchases.
Pay no annual fee, no Penalty APR and no over-the-limit fees.
You're not liable for any unauthorized purchases.
No foreign transaction fees.
Special benefits for military.
Security, travel and retail benefits.
There's no expiration date or caps on any points earned.
Redeem points for cash, merchandise, gift cards, travel or donations to the military affiliate group of your choice.

Pros
No Annual Fee
No Foreign transaction fees
3X points per $1 spent on dining

Cons
No signup bonus

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 5% restricted

$150

$1,005

We estimate as

Card Details
Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on all other purchases.
No Annual Fee.
0% intro APR for the first 15 months from account opening on purchases and balance transfers. After that, 16.99% - 25.74% variable APR.
Cash Back rewards do not expire as long as your account is open.
Redeem Cash Back rewards for Amazon.com orders, gift cards, and your travel booking.
Service & protection.

Pros
$150 Bonus
Low intro APR
Cash Back rewards
No Annual Fee

Cons
Has foreign transaction fees

Our Take

Chase Freedom® is a must-have card for anyone who is interested in generous cash back rewards. This card is quite cheap to maintain and has wide and flexible options for redemption. Customers interested in wider cash back options or in maximization of travel rewards might want to combine this card with some others. Reward maximization with Chase Freedom® is a bit sophisticated, but it is worth your efforts.

Apply

This card earns ThankYou Points (not transferable)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$150

15,000 points

$942

We estimate as

Card Details
0% introductory APR for 15 months on balance transfers and purchases.
Earn 2 ThankYou® Points per $1 spent on dining out and entertainment, and 1 ThankYou® Point per $1 spent on all other purchases.
2,500 points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed from the ThankYou® Rewards collection.
Unlimited ThankYou® Points with no expiration.
No Annual Fee.
Travel & Purchase protection.

Pros
0% Intro APR for 12 months on balance transfers and purchases
No Annual Fee

Cons
Needs excellent credit

Our Take

Citi ThankYou® Preferred Card has no annual fee and is therefore a simpler card than its Citi siblings.

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$936

We estimate as

Card Details
3% cash back on travel.
2% cash back on restaurants.
1% cash back on all purchases.
No deposit required.
$0 annual fee.
No foreign transaction fee.
Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits.

Pros
No annual fee
3% cash back
No deposit required

Cons
No signup bonus

Cashback Rewards Plus American Express® Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 5% restricted

$918

We estimate as

Card Details
Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
Plus, unlimited 1% cash back on all other purchases. Terms Apply.
No Annual Fee.
No Foreign Transaction Fees.
Special Benefits for Military.
Security and Convenience.

Pros
Cash back rewards
No Annual Fee
No Foreign transaction fees

Cons
Good to excellent credit score required
No signup bonus

City National Visa® Platinum Credit Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1.25%

Points per $1 on all purchases per $ spent

$900

We estimate as

Card Details
Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.
Use Rewards Points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.
There’s no cap on Points and your Points do not expire as long as your account remains open and the Rewards Program has not ended.
Use your Visa Platinum Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.
No annual fee.
Combine Points from all of your City National business and personal credit cards that come with City National Rewards to earn premium Awards more quickly.

Pros
Low purchase APR
No annual fee
No cap on points earning and expiration

Cons
Has foreign transaction fee

Cash Rewards American Express® Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 3% restricted

$900

We estimate as

Card Details
3% cash back on gas on the first $6,000 in annual fuel spend.
2% cash back on supermarket net purchases.
1% cash back on other everyday net purchases.
No limit on total cash back that you can earn, and you have five years to redeem cash back.
No annual fee.
No penalty APR.
Intro 0% APR for the first 6 billing cycles on purchases and balance transfers.
$25 cash back reward bonus after first purchase.
Zero Fraud Liability.

Pros
3% cash back
No annual fee
No penalty APR
No limit on total cash back
Intro 0% APR for the first 6 billing cycles

Cons
No signup bonus

Royal Caribbean® Visa Signature® Credit Card from Bank of America photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$100

10,000 points

$892

We estimate as

Card Details
Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises and Azamara Club Cruises®.
Plus, 1 MyCruise point per $1 on all other purchases. Terms Apply.
No Annual Fee.
No Foreign Transaction Fees.
Get 10,000 MyCruise® points after making a transaction within the first 90 days of account opening - enough for a $100 onboard credit.
$50 Air2Sea Airfare Discount after making at least $3,500 in purchases with your Visa Signature® card within the first 90 days of account opening (students and Platinum Plus® accounts are not eligible).
Earn up to 540,000 points annually with a limit of 2,700,000 MyCruise Points over 5 years. Terms Apply.
Redeem points for Royal Caribbean, Celebrity and Azamara onboard credits, stateroom upgrades, discounts, cruises and more.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
No Annual Fee
No Foreign Transaction Fees
Sign-up bonus
Security & Benefits

Cons
Has interest charges

Carnival® World Mastercard® from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$100

10,000 points

$892

We estimate as

Card Details
Earn 10,000 bonus Funpoints after you use your card for the first time — that's enough to redeem for a credit of up to $100 toward your next cruise purchase on Carnival and the World's Leading Cruise Lines.
Earn 2X FunPoints on Carnival Cruise Line and World's Leading Cruise Lines purchases.
Earn 1X FunPoints on purchases everywhere else.
No Annual Fee.
No Foreign Transaction Fees.
Earn a 10% ReFUNd when you book a Carnival shore excursion on carnival.com prior to your cruise.
Protection against unauthorized use of card.
Enjoy personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and more.
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Pros
No Annual Fee
No Foreign Transaction Fees
Sign-up bonus
High rewards rate
0% intro APR for 15 months on balance transfers

Cons
Good to excellent credit score required

Princess Cruises Rewards Visa® Card from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$100

10,000 points

$892

We estimate as

Card Details
Earn 10,000 bonus points after you use your card for the first time - that's enough to redeem for a statement credit of up to $100 toward your next cruise purchase.
2X points on Princess purchases, and 1X points on all other purchases. Terms Apply.
No Annual Fee.
No Foreign transaction fees.
Redeem points for cruise rewards, onboard credits, special on board amenities and discounted air fare.
Free online access to FICO® Credit Score.
Receive alerts when we learn that your score changes.
Access to future credit line increase reviews.
$0 Fraud Liability protection.

Pros
Sign-up bonus
High rate of rewards
No Annual Fee
No Foreign transaction fees

Cons
Good to excellent credit score required

Holland America Line Rewards Visa® Card from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$50

5,000 points

$842

We estimate as

Card Details
2X points per $1 spent on all Holland America purchases including onboard purchases.
Plus 1X point for every $1 spent on all other purchases everywhere Visa is accepted. Terms Apply.
No Foreign transaction fees.
No Annual Fee.
Earn 5,000 points after first purchase enough to redeem for a $50 onboard credit.
Redeem points for discounts toward Holland America Cruises when you use your Holland America Visa to book the cruise.
Also, redeem points for onboard amenities and credits, along with gift cards and merchandise.
$0 Fraud Liability protection.
Use points for statement credits toward airfare.
0% introductory APR for the first 15 billing cycles.

Pros
Sign-up bonus
0% intro APR for the first 15 billing cycles
High rewards rate
No Annual Fee
No Foreign transaction fees

Cons
Good to excellent credit score required

Discover it® Chrome Gas & Restaurants photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 2% restricted

$828

We estimate as

Card Details
Earn 2% Cash Back at gas and restaurants on up to $1,000 in combined purchases each quarter.
Plus, 1% cash back on all other purchases. Terms Apply.
No annual fee.
No penalty APR.
Only Discover automatically matches a dollar-for-dollar of all the cash back you've earned at the end of your first year. Terms Apply.
No cash back expiration. Redeem your rewards in any amount, at any time.
Free monthly access to FICO® Score.
Freeze it® on/off switch option for your account protection.
Fraud monitoring and protection.

Pros
High Cash Back rate
No Annual Fee
No Penalty APR
0% purchase intro APR
FICO® Credit Score for free

Cons
Good to excellent credit score required
No signup bonus

USAA Rewards™ Visa Signature® Credit Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$828

We estimate as

Card Details
Get 2,500 bonus points with your first purchase.
Earn 2X points on dining and gas and 1X points on all other purchases.
Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
Redeem easily for cash on your mobile device.
No annual fee.
No foreign transaction fees.
Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals.
Extend your manufacturer's or U.S. store-brand warranties.
Pay no annual fee, no Penalty APR and no over-the-limit fees.
Special Benefits for Military.

Pros
Sign-up bonus
Reward points
No Annual Fee
No Foreign transaction fees

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 2% restricted

$828

We estimate as

Card Details
3% cash back on wireless providers and ride-sharing services.
2% cash back on gas and restaurants.
1% as back on all other purchases.
0% Intro APR for 12 monthly billing cycles after account opening on Purchases and Balance Transfers, then 16.24% - 22.24% Variable APR.
Unlimited Cash Back with no point caps & no opt-in.
Redeem for Cash Back, gift cards, travel, Royals merchandise and more! A Cash Back redemption is applied as a statement credit.
Discounted game tickets.
Game day experiences and exclusive events.
No Annual Fee.
Zero Liability Coverage.

Pros
3% cash back
0% purchase intro APR
0% balance transfere intro APR
No annual fee

Cons
No signup bonus

Special Connections® MasterCard® with Rewards photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

+ up to 2% restricted

$828

We estimate as

Card Details
3% cash back on wireless providers and ride-sharing services.
2% cash back on gas and restaurants.
1% as back on all other purchases.
Redeem for Cash Back, gift cards, travel, merchandise and more. A Cash Back redemption is applied as a statement credit.
Low Introductory APR.
No Annual Fee.
Zero Liability Coverage.

Pros
No annual fee
3% cash back
Low Introductory APR

Cons
No signup bonus

SunTrust Prime Rewards Credit Card photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

unlimited cash back

$100

$820

We estimate as

Card Details
3 year introductory offer at Prime Rate (currently 5% variable APR) on balance transfers made in the first 60 days after account opening.
1% Unlimited Cash Back on all qualifying purchases.
$100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
No annual fee.
No foreign transaction fees.

Pros
1% cash back
No annual fee
No foreign transaction fee
Generous signup bonus
5% intro APR on balance transfers for the first 36 month

Cons
Good to excellent credit score required

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$25

$817

We estimate as

Card Details
Earn a $25 Barnes & Noble Gift Card after your first purchase.
Get 5% back on all Barnes & Noble purchases when you use your card at any Barnes & Noble store or online at bn.com.
Earn 2x points for every $1 spent at restaurants (excluding Barnes & Noble Café purchases).
Plus, earn 1x points for every $1 spent on all other purchases (excluding Barnes & Noble purchases). Terms Apply.
No Annual Fee.
Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points.
Earn 12 months of Barnes & Noble Membership after spending $7,500/year on eligible purchases.
Free online FICO® Credit Score access.
$0 Fraud Liability protection.
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, 15.99% or 26.99%, based on your creditworthiness, Variable.

Pros
No Annual Fee
High rate of rewards
Sign-up bonus
0% intro APR for 15 months on balance transfers
Security & Benefits

Cons
Has interest charges

Diamond Resorts International® MasterCard® from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$25

2,500 points

$817

We estimate as

Card Details
2,500 bonus Diamond Plus Points™ after your first purchase.
Earn 2X Diamond Plus Points on Diamond Resorts purchases.
Plus, 1X Diamond Plus Points™ on everyday purchases. Terms Apply.
No Annual Fee.
Earn 500 Diamond Plus Points™ for every $2,000 in spend (excluding down payments).
Enjoy a 0% promotional APR for 6 months on any Diamond Vacation Ownership interest down payment. After that, a variable APR of 16.99%, 21.99% or 26.99% depending on your creditworthiness.
Redeem points for statement credits toward Diamond Resorts International Purchases, plus airfare and car rental purchases of $50 or more made within the last 120 days.
Protection against unauthorized use of card.
Chip card technology.

Pros
No Annual Fee
Sign-up bonus
Low promo APR
No Penalty APR

Cons
Has foreign transaction fees

RCI Elite Rewards® MasterCard® from Barclaycard photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$25

2,500 points

$817

We estimate as

Card Details
Earn 2,500 bonus rewards after your first purchase.
2X rewards on every $1 you spend on eligible RCI purchases, and 1X rewards for every $1 you spend on qualified purchases elsewhere. Terms Apply.
Use rewards for worldwide travel including flights, hotels, car rentals and more.
No Annual Fee.
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Use rewards to earn RCI Resort Dollars® cards good for onsite activites and other expenses.
Redeem for RCI Member Rewards® credits. Use toward exchange fees and RCI subscribing membership renewals.
$0 Fraud Liability protection.
Concierge service with personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.

Pros
Sign-up bonus
No Annual Fee
$0 Fraud Liability protection

Cons
Good to excellent credit score required

Barclaycard Visa® with Apple Rewards photo

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

1-2 points per $1 spent

$792

We estimate as

Card Details
Earn 3X points per $1 on purchases made at Apple, 2X points per $1 on restaurants, 1X point on all other purchases. Terms Apply.
Special financing for up to 18 months on finance purchases made at Apple within the first 30 days of account opening. Terms Apply.
Redeem for Apple Store or iTunes gift cards for every 2,500 points you earn, receive a $25 Apple Store or iTunes gift card.
No Annual Fee.
Protection against unauthorized use of card.
Customer service assistance with lost and stolen card reporting 24/7.

Pros
High rewards rate
No Annual Fee

Cons
Good to excellent credit score required

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

unlimited cash back

$50

$770

We estimate as

Card Details
$50 Disney Gift Card after first purchase with the credit card.
Earn 1% on all card purchases with no limits to the amount you can earn.
No Annual Fee.
Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 16.74%.
Redeem Rewards Dollars toward most anything Disney, including Theme Park tickets, Resort stays, shopping, dining, movies and more.
Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
Service & protection.

Pros
$50 Disney Gift Card
1% in Disney Rewards Dollars
10% savings on shopping
No Annual Fee
Disney Perks

Cons
Has foreign transaction fee

Apply

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

unlimited cash back

$720

We estimate as

Card Details
1% Cash Back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
Support up to 3 causes at a time and change them whenever you want.
Tax deductible donations.
Low Introductory APR.
No Annual Fee.
World Mastercard benefits such as Extended Warranty, Mastercard ID Theft ProtectionTM and Price Protection.
Zero Liability Coverage.

Pros
1% cash back
Low Intro APR
No annual fee

Cons
No signup bonus

Apply

This card earns SKYPASS Miles (SKYPASS program by Korean Air)

Rewards Rate

Annual Fee

Estimated bonus

Savings over 3yrs

0.85%

Miles per $1 on all purchases per $ spent

$85

5,000 miles

$697

We estimate as

Card Details
5,000 SKYPASS Bonus Miles after your first purchase. Terms apply.
Earn 1 mile for every $2 you spend in eligible net purchases.
No annual fee.
$250,000 in Travel Accident Insurance.
Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners.
Worldwide acceptance and easy cash access.
No cap on miles you can earn.
SKYPASS Visa card purchases help you reach and maintain Morning Calm Club membership.
Bilingual customer service available.

Pros
Sign-up bonus
No annual fee
Available for fair credit

Credit Cards with No Annual Fee