Discover it® Chrome Gas & Restaurants photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 14 mos

13.99-24.99%

Variable

10.41%

up to

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

Premier Rewards Gold Card from American Express photo

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

No intro offer

$195

waived first year

Card Details
Earn 50,000 Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Earn 3X points for flights booked directly with airlines. Terms and Limitations Apply.
Earn 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases. Terms and Limitations Apply.
No Foreign Transaction Fees.
$100 Airline Fee Credit. Receive up to $100 a year in baggage fees and other incidentals at one airline.
Get 2X Membership Rewards® points per eligible $1 spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities at participating properties, at americanexpress.com/hc. Terms apply.
No interest charges because you pay your balance in full each month.
$00 intro annual fee for the first 12 months of Card Membership, then $195.

Pros
Hight rewards rate
Sign-up bonus
No Foreign Transaction Fees
No interest charges

Cons
Has annual fee

Our Take

The card is as close as you can get to a top-tier travel card without having to pay a $400+ annual fee. It has a generous bonus offer, solid earning and redemption rates, and a few somewhat useful travel perks. Its ideal user is someone who is already flying with American Express airline partners and staying at the Hotel Collection properties.

The Platinum Card® from American Express photo

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

No intro offer

$550

Card Details
Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards® points on eligible hotels booked on amextravel.com.
Up to $200 Uber Savings Annually.
$200 Airline Fee Credit. Receive up to $200 a year in baggage fees and and other incidental fees at one airline. Terms Apply.
$100 Fee Credit for Global Entry or TSA PRE✓®.
Receive complimentary benefits of up to $550 at over 975 extraordinary properties worldwide when you book Fine Hotels & Resort. Learn More. Terms Apply.
As a Platinum Card Member, you can enjoy access to the American Express Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations across 120 countries.
No interest charges because you pay your balance in full each month.

Pros
No foreign transaction fee
High rewards rate
Sign-up bonus

Cons
Has annual fee

Our Take

For anyone travelling full time, part time, or at least somewhat frequently, the card’s annual fee should be no issue at all. The travel credit alone covers the most of it, and whatever is left you can easily make up with rewards points and additional travel perks.

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 18 mos

12.99,16.99,20.99%

5.25%

up to

Card Details
0% Intro APR on purchases and balance transfers for the first 18 months from Account opening. After that, a competitive variable APR of 12.99%, 16.99% or 20.99% will apply.
No annual fee.
No foreign transaction fees.
No penalty APR.
Late Fee Waiver: in the event your payment is late, you will receive one Late Fee Waiver per year.
MasterAssist® provides pre-trip planning assistance, help with lost luggage and more.
Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
$1 Million Travel Accident Insurance.

Pros
0% Intro APR on purchases and balance transfers for the first 18 months
No annual fee
No foreign transaction fee
No penalty APR

Cons
No rewards available

Wells Fargo Platinum Visa® Credit Card photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 18 mos

13.49-26.99%

Variable

6.75%

up to

Card Details
0% Intro APR for 18 months on purchases and balance transfers.
No annual fee.
Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts, cell phone protection.
Free access to your FICO® Credit Score with Wells Fargo Mobile® Banking.

Pros
No annual fee
0% Intro APR for 18 months on purchases and balance transfers

Cons
No rewards

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

13.24-23.24%

Variable

8.72%

up to

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

14.99-24.99%

Variable

9.37%

up to

Card Details
No Annual Fee.
Intro 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account.
$0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
No Penalty APR.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
No Annual Fee
Intro 0% APR for your first 15 billing cycles
No Penalty APR
Security & Benefits

Cons
No rewards available

Apply

This card earns ThankYou Points (not transferable)

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

15.49-25.49%

Variable

9.56%

up to

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.

Blue Cash Everyday® Card from American Express photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

14.74-25.74%

Variable

9.65%

up to

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

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

14.74-25.74%

Variable

9.65%

up to

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

14.74-25.74%

Variable

9.65%

up to

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.

Chase Freedom Unlimited® credit card photo

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

16.99-25.74%

Variable

9.65%

up to

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

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

16.99-25.74%

Variable

9.65%

up to

Card Details
Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 16.99% - 25.74% variable APR.
You can check your monthly FICO® Score, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate®.
You won't have to pay an annual fee for all the great features that come with your Slate card.
Paying late won't raise your interest rate (APR). See terms.

Pros
0% APR on purchases for 15 month
0% balance transfer APR for the first 15 billing cycles
No balance transfer fee
No annual fee

Cons
No rewards
Good to excellent credit score required

Our Take

The Chase Slate® may provide you with a 15-month period free of any interest. Transfer your high-interest balances to this card and make the most of this marvelous opportunity to pay down your debt.

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 15 mos

16.99-25.74%

Variable

9.65%

up to

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.

First Tennessee Platinum Premier® Visa® photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.75-20.75%

Variable

10.38%

up to

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 14 mos

13.99-24.99%

Variable

10.41%

up to

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).

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 14 mos

13.99-24.99%

Variable

10.41%

up to

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

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 14 mos

13.99-24.99%

Variable

10.41%

up to

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

Special Connections® MasterCard® with Rewards photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

12.24-22.24%

Variable

11.12%

up to

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

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

16.24-22.24%

Variable

11.12%

up to

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

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

13.74,19.74,23.74%

Variable

11.87%

up to

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

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

13.99-23.99%

Variable

12%

up to

Card Details
Earn 4 points for every $1 in purchases.
Earn 25% bonus points on base points you earn in a billing cycle when you maintain a Virtual Wallet.
Earn 50% bonus points on base points you earn in a billing cycle when you maintain a Performance Checking account OR Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements.
Earn 75% bonus points on base points you earn in a billing cycle when you maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements.
No annual fee.
You’ll automatically be enrolled in the PNC points® Program.
There’s no limit to the number of points you can earn.
Choose from thousands of rewards – including cash, gift cards, electronics, name-brand merchandise and travel.

Pros
4X points per $1 spent on all purchases
No annual fee
Sign-up bonus

Cons
Has foreign transaction fees

Amex EveryDay® Preferred Credit Card photo

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

$95

14.74-24.74%

Variable

12.37%

up to

Card Details
Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms apply.
3X points at US supermarkets, on up to $6,000 per calendar year in purchases.
2X points at US gas stations and 1 point on all other purchases. Terms and limitations apply.
Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
Payment Flexibility: your Card gives you the option to carry a balance with interest or pay in full each month.
Use Membership Rewards® points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 24.74%.

Pros
High rewards rate
Generous signup bonus
0% APR on purchases and balance transfers for 12 months

Cons
Has annual fee

Citi® Diamond Preferred® Credit Card photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

14.99-24.99%

Variable

12.5%

up to

Card Details
0% Intro APR on balance transfers for 21 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
0% Intro APR on purchases for 12 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
No Annual Fee.
Citi customers enjoy special access to purchase tickets to thousands of events annually.
Free access to FICO® Scores.
Citi® Identity Theft Solutions.
Travel & Purchase protection.
Citi® Cards with Apple Pay®.
24/7 Customer Service.

Pros
0% Intro APR on balance transfers for 21 months
0% Intro APR on purchases for 12 months
No Annual Fee

Cons
No rewards option

Our Take

The Citi Diamond Preferred® card has a highly competitive balance transfer offer. No annual fee along with no interest on balance transfers for 21 months makes the card one of the best solutions for anybody struggling with their credit card debt.

Bank of America® Travel Rewards credit card photo

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

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

16.99-24.99%

Variable

12.5%

up to

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.

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

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.24-25.24%

Variable

12.62%

up to

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

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.24-25.24%

Variable

12.62%

up to

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

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.24-25.24%

Variable

12.62%

up to

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

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.24-25.24%

Variable

12.62%

up to

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

Blue Cash Preferred® Card from American Express photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

$95

14.74-25.74%

Variable

12.87%

up to

Card Details
Earn $250 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 25.74%.
Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
Earn 3% Cash Back at US gas stations and select US department stores.
Earn 1% Cash Back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn rewards faster by adding Additional Cards for your family and friends, their purchases earn rewards just like yours. You can also earn cash back for monthly spending, like your phone bill.
Travel and shopping benefits.

Pros
Generous signup bonus
Great cash back on gas
0% introductory APR for the first 12 months

Cons
Annual fee of $95

Our Take

Blue Cash Preferred® Card is the best cashback card in its segment. In the long run, you save a considerable amount (up to $360 provided you spend at least $6,000 per year on groceries). Apply for the card and win rewards from shopping.

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.99-25.99%

Variable

13%

up to

Card Details
0% Intro APR on purchases and balance transfers for 21 months.
After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
No annual fee.
Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
Extended Warranty and $0 Liability on Unauthorized Charges.
Worldwide Car Rental Insurance.
Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.

Pros
No Annual Fee
No Penalty APR
0% APR on balance transfer for 21 months
0% APR on purchases for 12 months

Cons
No rewards
Good to excellent credit score required

Our Take

The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 21-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.

City National Crystal® Visa Infinite® Credit Card photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

No intro offer

$400

13%

Variable

13%

Card Details
Earn 50,000 City National Rewards Bonus Points when you spend $5,000 or more within the first 90 days after account opening.
Open your account between September 17, 2018, and December 17, 2018, and earn 25,000 additional Bonus Points, for a total of 75,000 Points, when you spend $5,000 or more within the first 90 days after account opening.
Earn 3 Points per $1 spent on gas, grocery, airline, hotel, taxi, limousine, rental car, train, bus, restaurant, fast food and takeout food and dining purchases.
Earn 1 Point per $1 spent on all other purchases. Terms Apply.
Receive a statement credit of up to $250 per card per calendar year for Qualifying Airline Purchases.
No Foreign Transaction Fees.
Save $100 on air travel when you use your Crystal Visa Infinite Card to book a qualifying U.S. domestic round-trip coach airline itinerary for 2 to 5 travelers.
Receive a statement credit of up to $550 per account per calendar year with $50,000 yearly spend – for any airline lounge club worldwide.
No annual cap on Points and Points don't expire as long as your account is open and the Rewards program has not ended.
Access to over 900 airport VIP lounges in more than 120 countries and 400 cities worldwide.

Pros
Generous signup bonus
High rewards rate
Low interest rate
No foreign transaction fee

Cons
Has annual fee

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This card earns Starpoints (Starwood Preferred Guest program) See transfer options

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

$450

17.49-26.49%

13.25%

up to

Card Details
Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
Earn 6X points on eligible purchases at participating SPG® and Marriott Rewards® hotels.
Earn 3X points at U.S. restaurants and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating SPG® or Marriott Rewards® hotels.
Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 points) at a participating hotel. Terms apply.
Enjoy complimentary Gold Elite status with your Card. Earn Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.
No foreign transaction fees.
Redeem points for free nights at over 6,500 participating SPG® and Marriott Rewards® hotels across 29 brands. Plus, redeem points for flights or car rentals with Air+Car, or transfer your points for travel program rewards with over 40 airline partners.

Pros
Generous signup bonus
6X points per $1 spent on hotels
0% purchase intro APR
No foreign transaction fee

Cons
High annual fee

Apply

Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 6 mos

$49

17.99%

Variable

13.49%

Card Details
$200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.
Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
Enjoy Cardmember-exclusive photo opportunities in private locations with Disney or Star Wars™ Characters. You'll receive downloads of your photos, too!
Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
Redeem Rewards Dollars toward most anything Disney and Star Wars™ at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more.
Service & protection.
0% Promo APR for the first 6 months following the purchase date on select Disney vacation packages or purchase of a real estate interest.

Pros
$200 Disney Gift Card
10% savings on shopping
Disney Perks
High rate rewards
Service & protection

Cons
Has annual fee

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 6 mos

17.99%

Variable

13.49%

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

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

for 12 mos

15.99-26.99%

Variable

13.5%

up to

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

City National Visa® Platinum Credit Card photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

No intro offer

15%

Variable

15%

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

City National Visa Signature® Credit Card photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

No intro offer

15%

Variable

15%

Card Details
Earn 3 Points per $1 spent on gasoline purchases, 2 Points per $1 spent on dining and groceries, and 1 Point on all other purchases.
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.
No annual fee.
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 Rewards Points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.
Visa Signature Concierge will assist you 24/7 with a wide range of services, from making restaurant and travel reservations, to helping you find that special gift or hard-to-get entertainment tickets.
Use your Visa Signature Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.

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

Cons
No signup bonus

Alliant Cashback Visa® Signature Credit Card photo

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Intro Purchase Offer

Annual Fee

Ongoing APR

Estimated effective APR

No intro offer

$59

waived first year

12.24-15.24%

Variable

15.24%

up to

Card Details
A true cashback card: 3% cash back in year one & 2.5% cash back after.
No limit to the cash back awards you can earn.
Exclusively designed for those spending $50,000+ a year on their card.
No foreign transaction fees.
$59 annual fee, waived the first year.
Rates as low as 12.24% APR.
Generous credit line.
Works with Google Pay™, Apple Pay™ and Samsung Pay™.
$0 fraud liability guarantee from Visa.
Travel Accident Insurance, Purchase Security, Personal Identity Theft, Concierge.

Pros
3% cash back
No foreign transaction fee
No limit to the cash back
Low APR

Cons
No signup bonus
Has annual fee

Low Interest Credit Cards