NerdWallet’s Best Credit Cards of 2014

Don't want the hassle? Ask the nerds! Here are our picks for the top cards in every category (from our partners), whether you're a jetsetter or looking to pay down your debt.

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Best Credit Card Offers for the Holiday Season

I Want... Best Credit Card Why We Love It
to get a $200 sign-up bonus

Bonus offer: $200

Chase Freedom - $100 Cash Back Credit Card
Apply Now

on Chase's
secure website

  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Offer ends December 17, 2014. Apply now!
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
to go on a holiday vacation

Bonus offer: 40,000 Chase Ultimate Rewards

Chase Sapphire Preferred Credit Card
Apply Now

on Chase's
secure website

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
to get 5% cash back when shopping online and at department stores

Discover it Credit Card
Apply Now

on Discover's
secure website

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
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Best Balance Transfer Credit Card Offers

I Want... Best Credit Card Why We Love It
To be forgiven if I miss a payment here and there

Citibank Simplicity Credit Card
Apply Now

on Citibank's
secure website

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
No balance transfer fees as well as 0% intro APR

Chase Slate Elite Credit Card
Apply Now

on Chase's
secure website

  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • Pay less interest. Save on balances and new purchases.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee.
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.
To earn rewards while paying off my debts

Discover it Credit Card
Apply Now

on Discover's
secure website

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
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Best Cash Back Credit Card Offers

I Want... Best Credit Card Why We Love It
Industry-leading cash back with no annual fee

Citibank Citi® Double Cash Card Credit Card
Apply Now

on Citibank's
secure website

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
5% cash back at Amazon.com, Zappos.com, and select department stores

Bonus offer: $200

Chase Freedom - $100 Cash Back Credit Card
Apply Now

on Chase's
secure website

  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Offer ends December 17, 2014. Apply now!
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
5% cash back, free FICO score, and competitive intro APR offer

Discover It Credit Card
Apply Now

on Discover's
secure website

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service — day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Generous rewards on gas and grocery store purchases

Bonus offer: $100

Bank of America BankAmericard Cash Rewards Visa Signature Credit Card
Apply Now

on Bank of America's
secure website

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
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Best No Foreign Transaction Fee Credit Card Offers

I Want... Best Credit Card Why We Love It
Top-notch rewards and partner redemption options

Bonus offer: 40,000 Chase Ultimate Rewards

Chase Sapphire Preferred Credit Card
Apply Now

on Chase's
secure website

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
Excellent flat rewards for travellers and PIN capability

Bonus offer: 40,000 Barclaycard Miles

Barclays Arrival Plus Credit Card
Apply Now

on Barclays's
secure website

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • 0% intro APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • Redeem your miles for travel statement credits - redemptions start at 2,500 miles for $25 toward travel purchases made in the last 120 days
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
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Best Rewards Credit Card Offers

I Want... Best Credit Card Why We Love It
Stellar limited bonus offer and cash-back rewards

Bonus offer: $200

Chase Freedom - $100 Cash Back Credit Card
Apply Now

on Chase's
secure website

  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Offer ends December 17, 2014. Apply now!
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
A killer signup bonus worth 25% more if used for travel

Bonus offer: 40,000 Chase Ultimate Rewards

Chase Sapphire Preferred Credit Card
Apply Now

on Chase's
secure website

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
Up to 5% cashback on shopping and other categories

Discover it Credit Card
Apply Now

on Discover's
secure website

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
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Best Hotel Credit Card Offers

I Want... Best Credit Card Why We Love It
To stay at Hilton properties

Citibank Hilton HHonors Reserve Credit Card
Apply Now

on Citibank's
secure website

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
To stay at Club Carlson properties

Bonus offer: 85,000 Club Carlson Points

US Bank Club Carlson Premier Credit Card
Apply Now

on US Bank's
secure website

  • Earn 50,000 Gold Points after your first purchase, plus 35,000 points once you spend $2,500 on your card within the first 90 days - that's up to 9 Free Award Nights at Category 1 hotels
  • 10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels worldwide
  • 5 points per $1 spent in eligible net purchases everywhere else
  • Bonus Award Night - When you redeem Gold Points for 2 or more consecutive Award Nights, your last night is free. Exclusively for cardmembers!
  • Club Carlson Gold Status is yours after you activate and use your card
  • Please see terms and conditions for complete details
  • Net purchases are purchases minus credits and returns
To stay at Marriott properties

Bonus offer: 50,000 Marriott Points

Chase Marriott Rewards Premier Credit Card
Apply Now

on Chase's
secure website

  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
  • Receive 1 additional Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 credits guaranteeing Silver Elite Status or better
  • Unlimited Point Accumulation
  • No Foreign Transaction Fees and global Chip and Signature technology
To stay at Starwood properties

Bonus offer: 25,000 Starwood Points

American Express Starwood Credit Card
Apply Now

on American Express's
secure website

  • Earn up to 25,000 bonus Starpoints®
  • Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
  • Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Starpoints stay active as long as you continue to spend on your Card
  • $0 introductory annual fee for the first year, then $65.
  • Terms and Restrictions apply.
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Best Low Interest Credit Card Offers

I Want... Best Credit Card Why We Love It
0% APR for 18 months and no late payment fees ever

Citibank Simplicity Credit Card
Apply Now

on Citibank's
secure website

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
One of the lowest interest rates available

Barclays Ring MasterCard Credit Card
Apply Now

on Barclays's
secure website

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Best Small Business Credit Card Offers

I Want... Best Credit Card Why We Love It
A no-fee, cash back business credit card

Bonus offer: $200

Chase  Ink Cash Business Credit Card
Apply Now

on Chase 's
secure website

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • No annual fee.
Editor's pick: Best rewards and signup bonus

Bonus offer: 50,000 Chase Ultimate Rewards

Chase Ink Plus with Ultimate Rewards Credit Card
Apply Now

on Chase's
secure website

  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs
  • Chip-enabled for enhanced security at home and abroad
  • $0 Intro Annual Fee for the first year, then $95.
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Best Bad Credit Credit Card Offers

I Want... Best Credit Card Why We Love It
A credit card for bad credit

Capital One Secured MasterCard Credit Card
Apply Now

on Capital One's
secure website

  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness—no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card—accepted at millions of locations worldwide
A fair credit card with rewards

Capital One QuicksilverOne Credit Card
Apply Now

on Capital One's
secure website

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until September 2015; 22.9% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Best College Student Credit Card Offers

I Want... Best Credit Card Why We Love It
5% rewards and a Cashback bonus

Bonus offer: $20

Discover It for Students - $20 Cash Back Credit Card
Apply Now

on Discover's
secure website

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.- based customer service — day or night.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
2X Rewards on dining and entertainment

Bonus offer: 2,500 Citi ThankYou Points

Citibank ThankYou Preferred Card for College Students Credit Card
Apply Now

on Citibank's
secure website

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Rewards for responsible credit management

Capital One Journey Student Rewards Credit Card
Apply Now

on Capital One's
secure website

  • Earn 1% cash back on every purchase
  • For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly payment due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Want to learn more about credit card fees and rates?

  • The Federal Reserve offers a general guide to credit cards and a more detailed explanation of credit card fees.
  • The Federal Reserve Board of San Francisco also has a good rundown of your rights as a consumer.
  • The new Consumer Financial Protection Bureau makes a persuasive case against students co-signing for their friends' credit cards.

Please share your tips about hot credit card deals!

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
  1. [2013-07-17 16:38:24] - NerdWallet says: Hi Sarah, all credit cards will help build your credit!
  2. [2013-07-17 00:25:46] - Sarah Rockow says: Will this build my credit as well!! I feel like a virgin to having a credit card again and want to make sure I do it right!!
  3. [2013-07-16 23:42:07] - NerdWallet says: Hey Sarah, your best bet is probably the American Express Blue Cash Preferred - it gives 3% rewards on groceries, 2% on gas and department stores and 1% elsewhere. Congrats on paying off your debt! Best, Anisha
  4. [2013-07-16 23:31:09] - Sarah Rockow says: Looking for a good recommendation!! I had a credit card 9 years ago paid off a 21,000 debt and am scared to go back but I want to build my credit back up with only spending on groceries, gas, and the norm!! Any suggestions would be awesome!!
  5. [2013-06-01 23:32:18] - Jeniffer Ramos says: Actually, if you always pay your balance in full every month then technically your credit doesn't update. Unless you pay off the balance before your statement cycle closes THEN your zero balance is reported to the bureaus. Otherwise, you pay off in full when your payment is due so by the time the credit card reports your current balance to the bureaus, you've already begun to use your card again and it is no longer in a zero balance owed. Just saying, I'm not sure how you pay your credit card, its just some info I learned at a Real Estate School on credit and how you can help/hurt your credit score.
  6. [2013-05-19 21:35:31] - penny says: bad to fair credit any suggestions for credit cards with more than 500 credit limit.
  7. [2013-05-19 21:23:22] - penny says: bad to fair credit and wanting at least 2000 credit limit
  8. [2013-05-03 05:02:55] - Good_Ole_Pinocchio says: head over to the myfico forums. you'll get help there.
  9. [2013-04-29 00:26:50] - Lucy Jeff says: I have good credit, I am looking for a credit card that I can receive travel and other rewards as well, i will be paying my balance off every month. HELP!
  10. [2013-04-27 10:58:59] - abenaki morningdove says: I have good credit with first premier bank, I pay in full on time ,every time !! I would like to up my limit from $300 to $500 to start. I also am paying Lexington Law to fix my report, things are going good for me, but knowing the credit card people don't like this fact because they want you to laps so they can make big money off you ,don't let them,make you lose the credit card game. do as I do and you will be ok
  11. [2013-04-25 02:16:42] - Natalie says: Leisu, just a thought. With such limited credit experience, it may be difficult for you to get a card with good travel rewards at this point. Additionally, just having a credit card does not help your credit score, you need to be using it consistently for it to actually help your credit score, which, combined with your history and ability to repay, will help you to get better deals. My first credit card was through Capital One, and the interest rate was awful, there were no real benefits, and my limit was pretty low, but it's a good way to begin using credit in order to build your history and score, and it didn't have an annual fee. Good luck!
  12. [2013-04-25 02:13:00] - Natalie says: Citi Simplicity has an 18 month no interest promotion at the moment, and there is no annual fee. I have one myself, and I haven't had any problems with them.
  13. [2013-04-25 02:10:59] - Natalie says: Brian, with your credit still in recovery mode, a secured card would probably be the best option for you.
  14. [2013-04-25 02:09:49] - Natalie says: Hi, Iris. 24 months no interest is pretty much unheard of, but Citi Simplicity is offering 18 months with no interest at the moment. Good luck!
  15. [2013-04-19 18:24:32] - Amy Rauber says: I am looking for a credit card that will be used on a limited basis, such as unexpected car repairs, home improvement projects, hotel reservations when needed, etc. What is my best option if i am not using the card on a weekly or monthly basis?
  16. [2013-04-17 19:40:03] - Stephen Stouffer says: Hmmmm I wouldent recommend getting a credit card at all. I would segest getting rid of extra expenses ( if you can ) get free up some extra cash. Because you're not going to have the money to pay it back once you spend it. Try canceling cable, Subscriptions etc... Sounds like you're not in debt and i would hate for you to get in it because you making purchases you cant afford. Being Debt free is better than most!
  17. [2013-04-17 19:31:47] - Stephen Stouffer says: It depends on each person and their credit history! In most cases if you're approved for say 2,000 and you call them up and explain your situation they they raise your CL to 4,000. But you can only go off averages on their review page.
  18. [2013-04-17 19:29:37] - Stephen Stouffer says: Chase Freedom is a good card! Good points too. Look into it! I have had it for over 2 years now with a credit sore over 700 now. Highly recommend it!
  19. [2013-04-17 19:28:04] - Stephen Stouffer says: I would pay off your debt first. I wouldent get in more debt before paying off your old debt. Pay cash for things till you pay off your debt! Depending on your past debt you interest rates might be higher for a card if you where to apply for it now. So i would say Hold off till you pay off your current credit card before thinking about getting another one.
  20. [2013-04-17 19:25:31] - Stephen Stouffer says: The Case Freedom Card is a great card to start with! I have had mine for 2 years and I now have a credit score over 700 and have a healthy credit score. Pay it off on time in full! Chase is a great bank for Credit Cards. I cant speak to the Checking. But look into it!
  21. [2013-04-17 19:23:12] - Stephen Stouffer says: Chase Sapphire Preferred! You get points on everything and they have amazing customer service. Also their Travel Rewards are great too! The really neat thing about the card (this should not be the deciding factor) But you get $400 Signup bonus points and the card is made out of Pure metal (really cool) I have had mine for about 4 months now. I have but over 10,000 on it and I LOVE this card! I use it for business and personal use. Best Card i have ever had! You wont regret it!
  22. [2013-04-17 19:19:27] - Stephen Stouffer says: I'm a Year late but! The Chase Sapphire Preferred Card was the best card I ever got! The customer service is amazing and they will Get you whatever Credit Limit you need for your income!
  23. [2013-04-13 00:26:21] - Iris says: I have excellent credit... Im looking for 24 months no interest. Can you refer or direct me to that card?
  24. [2013-04-12 01:47:31] - cindy h says: I am traveling to Europe this summer and want a card with a chip. I hate fees. I always pay off credit cards each month. Which card do I want?
  25. [2013-04-09 20:33:14] - jodie daniels says: Chase does
  26. [2013-03-11 21:16:48] - Tej says: I spend about $2500/mo average. I don't spend any money on gas (electric car) and rarely buy groceries (I eat out a lot). I pay off my entire balance every month. What is a good credit card for someone like me with good cash (or travel) rewards?
  27. [2013-03-09 06:15:47] - Brian Kinnaman says: I'm fresh out of college with some student loan debt, but I make enough to cover all my expenses with extra for savings and personal spending. I've had some bad credit history (identity theft) that has finally left my credit history. I'm looking for a card that I can achieve with a high 500 credit score with rewards and made to be paid off each month.
  28. [2013-02-19 04:16:16] - Ryan Gill says: My wife and I are using the Chase Freedom card on a daily basis. We pay off the card every month and usually spend anywhere from 5 to 7 thousand dollars a month. Am I getting the best bang for the buck? We are expecting our first child in April and more than likely will start traveling more with him visiting family and friends. I am a member of Costco and was looking into the costco american express card but wasn't sure if that would benefit us more or not. So any recommended card you suggest I believe I would qualify for. Thanks.
  29. [2013-02-18 04:42:23] - disqus_LreKTeWJvD says: I'm looking t have my first credit card, preferably I've with great miles, no/low monthly fees. Any suggestions?
  30. [2013-02-18 02:27:58] - Sunny A. says: Hi! I'm looking for a credit card that gives me travel rewards, low fees, cash back would be nice. I would use it for travel purchases, groceries, restaurants and other day to day purchases so that I can benefit from the credit card rewards. I have debt from a credit card and school loans that I pay regularly and manage well. I would also be shooting to pay off the balance every month. Suggestions? Thank you!
  31. [2013-02-11 19:15:26] - NerdWallet says: Thanks for the question. First, I’ll answer your question more broadly to give you a better idea of how credit-card approval works. Then I’ll jump into a more specific recommendation, including a link, which will answer your question in greater detail and hopefully suggest the right card for you. First things first: generally, you should know that when a card company approves you for a credit card, they want to know how much they can depend on you to make repayment, to pay off your balance in full every month – or at least to pay it off eventually! To measure your credibility as a borrower, they’ll make an inquiry about your credit score. If you’ve ever borrowed before, then you’ll have a score. If not, you’ll have a score of zero – which basically means you have no score at all. It sounds like you’ve never borrowed before, in which case you’ll want to check out secured credit cards. They’re essentially credit cards with training wheels, and they cater to consumers like yourself who either have never used credit before or have a bad score and need to build up again before applying for another card, one that earns them rewards. Secured cards typically do not earn you rewards or cash back, which you can use as statement credit, miles or whatever else; because, again, by and large, these secured cards are meant for you to build your score. This is why they’re a great platform to start using credit. Check out this article for more info and a couple specific recommendations on which card to get. In particular, we recommend the Capital One Secured Mastercard. But if you decide that card isn't to your liking, take a look at this more comprehensive list of cards for consumers with no credit. Good luck!
  32. [2013-02-08 19:54:20] - Jaydham says: what card do you guys recommend for somebody's first credit card?
  33. [2013-01-16 18:22:47] - The Patriot says: I am about to make a $2500 purchase on a generator. I am looking for a card which will give me a few months to pay it off without incurring interest or finance charges. Any suggestions?
  34. [2013-01-14 03:16:10] - Steven Holben says: Anyone know if Capital One is going to do the double your last year points special again this year?
  35. [2013-01-13 02:42:38] - Lexi dennis says: My fiancé and I are looking for a credit card to help boost our credit score, we'd like something with cash rewards . What would you recommend?
  36. [2013-01-12 00:52:58] - hopesanford says: Capital One is HORRIBLE. My daughter accidentally paid them $4,500.on their website for airline tickets,then paid AGAIN from our bank acct, not realizing she was double paying.(over $9,000. total) We spent 10 days trying to get Capital One to return one of the payments, even had Chase bank fax them proof that the payment had been made twice. Spent hours on the phone- they repeatedly promised to credit our bank acct "by midnight tonight". They LIED. Yes, she has a $4,500. credit on her card, but they will not return the $$$.
  37. [2012-12-23 01:25:33] - Chetan says: Hi i am a graduate student who receives a regular stipend. I already have a BoFa cashback credit card. I have a good credit history so which credit card will you suggest me that will earn me more cash rewards?
  38. [2012-12-11 00:31:15] - don says: how much limit you can get in capital one venture with good credit. i need around 4000 for my family travelling and i also want no interest for 12 months. which card should i apply?
  39. [2012-11-28 02:59:44] - moneybags says: i am a small business owner with 7 employees and our credit card purchases are around 30000 pr month. mostly fuel. any input on which card to go for would be appreciated.
  40. [2012-11-19 15:21:51] - leisu says: I work part time and I'm also a full time student, I'm looking to build my credit so far I've only had my first card several months(department store) which I dont plan to use and I currently don't have any debt. I want to bundle my accounts (checking,credit, bank). I'm interested in a card with frequent purchase rewards like gas and dining but I am also intresested in travel rewards. I'm willing to pay a moderate annual fee. Also I plan on paying out my balance each month.
  41. [2012-10-14 08:15:14] - Sir Louis Buttons says: I am not sure if I have excellent or avg. credit. I did recently get a 3.3% home loan on 140k, first try on a loan.. If that helps. I wanted a good card to earn miles with, I pay things off at the end of each month, but didn't want to apply to the best travel card listed "Capital-One-Venture-Rewards" incase I was turned down and that goes on my credit history dropping down my score, if that how it works.
  42. [2012-10-08 14:34:50] - Phone Source says: Discover credit card is a good card if you can get approved.
  43. [2012-09-27 18:13:26] - NerdWallet says: Hi Breezy, Check out the CapitalOne Secured card. This is a great card for those with little or no credit and is cardholder friendly. You can pay off your security deposit in installments, and no matter which deposit you pay ($49, $99 or $200 based on your credit score), you get the $200 credit limit. Hope this helps!
  44. [2012-09-27 18:05:32] - Breezy says: Im looking for the best credit card i can find with low interest and not too many fees. I have no credit but i do work full time. Mainly all i need it for is to go grocery shopping. Ive had many expenses lately and have not had quite enoigh money to put food in the house and thats really the only thing i want a credit card for. What would you suggest?
  45. [2012-09-03 15:20:03] - Winnie says: I am looking for a secured credit card as I am rebuilding credit, but I shop for a living (Private Chef), what are my options. I also travel a lot, so a card that will be useful in L.A. Kauai, or Montana.
  46. [2012-09-02 00:08:34] - demola says: I am 18 years old and I am in college but I bank with chase bank. What is the best credit card for me so I can start building good credit
  47. [2012-08-21 15:21:49] - MLB says: I already have a regular blue card but don't have these benefits. How can I get them?
  48. [2012-08-16 21:57:38] - Michael says: I am a stable-income graduate student; my credit is average, my purchases rare, and my ability to finance high APRs or annual fees is limited. I travel a lot and love rewards. Any suggestions? I'm looking at various CapitalOne, Chase and Citi cards as of now... but I need to get specific. Your attention is much appreciated!
  49. [2012-08-06 05:40:57] - lawstudent says: I'm a 24 y/o law student looking to apply for my first solo credit card (I used to share a card with my mom), possibly something I will be able to use in the future. I don't have an income right now, but I do receive enough student loans to pay for my expenses -- I currently pay for everything with my debit card, but I'm looking for a credit card where I can continue paying my usual expenses and receive some kind of reward for it. I don't plan on carrying a balance, but if I do, I don't want a sky-high interest rate. What do you think would be my best option?
  50. [2012-08-06 01:07:59] - Phatmatt030 says: @NerdWallet, just wanted to let you know I will be a college freshman next year in the fall, I still have a year of high school left but I am 18. So I'm not sure how student cards would work out since I'm not enrolled in college yet.
  51. [2012-08-06 01:00:06] - Phatmatt030 says: @NerdWallet, Hi I am a high school senior and am ready to apply for credit. I really want to develop a good amount of credit before college because I will need it for applying for loans. My parents can't help me or cosign. My dad makes very good income, but we are in debt by thousands to the point where we can't buy food for the week or I have to buy it. I do have a part-time job. I have been looking into credit recently and since I can't have a consigner, I wanted to know what would be easiest for me to apply and for college. My plan when I get a credit card is to use it with whatever I buy and then pay it off basically right away. Not sure if that helps with anything but I don't understand credit too well. I just want something I can apply for if I have no credit, cant have a consigner, don't want to spend too many fees, and something that will help me establish good credit in the near future. Thanks a lot.
  52. [2012-07-27 17:51:33] - NerdWallet says: Thanks for your comment, Amy! I think you may find our credit union tool to be helpful. Just type in your zip code to find credit unions in your area, then click the "credit card rates" tab to see each credit union's credit card details.
  53. [2012-07-27 15:41:10] - Amy says: This is a nice website. Any way you could add a filter for credit cards that are issued by credit unions versus those that are issued by big banks? I'm taking all my money out of the big banks given all the recent consumer-unfriendly practices. I'm going credit unions and USAA all the way.
  54. [2012-07-18 17:23:51] - Jeff McCrary says: Thought i posted a question earlier but dont see it anywhere. Basically we have a chase freedom card but AMEX blue looks to be better for daily stuff, true? Also, should someone open up mutliple cards to reap the benefits in different ways including signing bonuses? For example: have Chase and Amex blue for regular purchases but a Sapphire/Venture card for travel reasons? Thanks
  55. [2012-07-14 01:42:37] - Patrick Connor says: The Forward for Students will typically have a bit lower guidelines as to what they're going to expect for scores; in that, you also lose out on the ability to get a larger credit limit. The normal Forward will have a bit higher standards, but also allows for larger credit limits. Other than that, the rewards structure between the two are identical.
  56. [2012-07-09 17:15:24] - Bschool says: Thank you so much! With a limited understanding of how credit works and a love for a slim wallet, i'm hesitant to go with multiple cards as I still have the Bank of America Visa Platinum. I'm going with CitiForward, and I found the 30,000 bonus pts offer online (based on spending $3,000 over the set time periods). Two last questions, - Is there a better promo I should hold out for? - What are the implications of saying you are a student? I quit my job last week. I have about a month or two until I start school as a grad student. What's the preferable way to go, assuming my choices are basically 1) Say i'm still employed ( i'm not going to do but someone else may be in a similar position) 2) Say I'm student (technically, I can say that) 3) Say I'm unemployed (technically I can say that).
  57. [2012-07-08 03:06:33] - Patrick Connor says: The Citi Forward would do great for your restaurants and Amazon purchases. Groceries and fuel can be better served by the Blue Cash Preferred with American Express (or the Blue Cash Everyday if you really really hate the annual fees; make sunre you crunch the numbers to ensure you're getting a good deal). As far as your travel goes, you might be best served by the Capital One VentureOne card. 1.25% cash back redeemable for travel purchases and has no foreign transaction fees. The Venture has a $59 annual fee, but boosts your rewards rate to 2% With those 3 cards, you'll get 6% back on groceries, 5% back on Amazon, 5% back on restaurants, 5% back on other entertainment (see Citi Forward), 3% back on gas, and 1.25% everywhere else. You'll also get the no foreign transaction fees from Capital One.
  58. [2012-07-07 18:26:32] - Bschool says: Hiya Nerd Wallet, Most important factors: Have great credit. Just quit job to start business school though. I'll spend most of my discretionary money on rent, food (grocery and restaurants), and Amazon purchases. Somewhat relevant: I fly out of Chicago when I fly. I stay in Marriott or SPG. hate paying international fees and dont love the idea of annual fees for a credit card. Already have a bank of american visa platinum - somewhat interested in AMEX but could definitely go with another visa.
  59. [2012-07-01 19:15:43] - NerdWallet says: I'd recommend the Capital One Cash, which earns a constant, unlimited 1.5% cash back on all purchases, and has no quarterly enrollment: http://www.nerdwallet.com/card-details/card-name/Capital-One-Cash-Credit-Card
  60. [2012-07-01 12:30:07] - Marybeth says: Thanks, saw your recommendation to Valplym. We also fit those parameters. We have a Chase Freedom card now and told them, when they began the varying rewards that I would have to sign up for every three months, that I would be looking for another card because I don't like " jumping through hoops" for any credit card company. Also, do any cards offer unlimited cashback? Chase stops at around $1500 spent per quarter and we exceed that pretty fast.
  61. [2012-06-17 20:37:58] - Patrick Connor says: If you're looking for a good BT offer right now, Chase is currently running a promotion on the Chase Slate for 15 months 0% APR, along with a 0% balance transfer fee if you complete the balance transfer within the first 30 days of opening the card (like at application time). Perfect if you're looking to have the card paid off within the year. As far as a gas/travel rewards card goes, you won't find many cards specifically geared toward that. However, US Bank has recently released the Cash+ card which can give you 2 seperate 5% back categories of your choosing (like hotels and airlines) and a single 2% category as well (like gas).
  62. [2012-06-17 20:25:00] - NerdWallet says: As far as good balance transfers go, the Citi Simplicity is one of the best, with an 18-month 0% APR period (as of June 2012). However, remember that the card comes with a 3% balance transfer fee, which is fairly standard. Make sure you won't pay more in fees than you'll save in interest payments.
  63. [2012-06-16 21:31:19] - rosita says: I am a low income senior with reasonably good credit. I'm looking for a card that could earn travel and gas rewards. I only travel approximately once a year and it is primarily to see family in Mexico. I try not to use c.cards and when I do, I pay them off to avoid interest charges. Any recommendations? Also, I have a c.card with a $4000 balance that will need to be paid off in October. Can you suggest a good balance transfer card offer?
  64. [2012-06-15 22:54:59] - NerdWallet says: No problem - for every dollar you spend, you get 2 No Hassle Miles. When your travel spending shows up on your credit card statement, you will have the opportunity to trade in the miles you've accumulated to offset that spending, so you don't have to pay for it. If this is your first credit card, I recommend the Chase Freedom, since it has no annual fee and you can keep it open indefinitely.
  65. [2012-06-14 20:46:04] - CreditCard? says: Thank you for response. I have a dumb question. Like I said before I have never had a credit card and I haven't done a ton of research on them either. You said that the Capial One Venture Rewards give you 2 miles per $1 spent on all your purchases. Are you saying that for every $1 I spend, I get miles in relation to flying or traveling? Sorry I am sure it's a pretty obvious answer, but this is all new to me. Also, would you recommend the Capital One Venture Rewards card over the Chase Freedom card? The reason I ask that is, because it seems like a lot of people are happy with the Chase Freedom card. Hopefully you can help me understand a little bit better. Thanks.
  66. [2012-06-14 03:50:46] - NerdWallet says: If you're looking for a short-term bump, the Sapphire's large bonus (40k points worth $500 of travel, as of June 13th) puts it over the edge. However, as a card to actually use on a day-to-day basis, your best bet is probably the Capital One Venture Rewards. It has a $59 annual fee (waived the first year) but gives an impressive 2 miles per $1 spent on all your purchases.
  67. [2012-06-12 17:48:06] - CreditCard? says: My wife and I are looking to get a credit card. We don't do a lot of spending, but have noticed some friends have them that seem to get some nice cash back rewards. We are going on a cruise in about 6 months and wondered if there would be a card that you would recommend us sign up for that would benefit us using for the cruise and benefit us using some in the future? I have done some research and it seems like the Chase Freedom card could be a good fit for us. Any comments or suggestions?
  68. [2012-06-08 08:54:33] - Traderbeastin says: Thank you!
  69. [2012-06-08 08:54:07] - Hustlin'beast says: I have a similar lifestyle... grab the Citi Forward for College Students instead! The AMEX is geared more towards folks who have a family to support. Unless you go to the groceries a lot, use a lot of gas, and shop at at department stores, the Forward will be better suited for your needs as a "student."
  70. [2012-06-07 00:01:19] - Silver7543 says: I work part-time and I am also a full-time student. I am highly interested in the Amex Blue Cash Preferred because of the rewards you earn back. Is that a good idea, or should I be looking into something else? I am not sure if I even have any credit. I don't have any debt, but I will be paying my whole credit card balance at the end of every month.
  71. [2012-06-06 23:35:03] - NerdWallet says: Hey there, We're fans of the British Airways Visa, which is offering a 100,000-mile signup bonus right now: http://www.nerdwallet.com/blog/2011/british-airways-100000-mile-credit-card-sign-bonus-oneworld/ Also, please do check out our list of the top EMV chip-and-sign credit cards! http://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-emv-chip-credit-cards/ Enjoy your travels!
  72. [2012-06-06 07:53:13] - Hustlin'beast says: Hi Nerd Wallet, I find that I will be doing a lot of international travel in the upcoming months, whats the best EMV-chip rewards travel credit card out there? I've been searching heavily for this answer and nothing has come up to my liking :(
  73. [2012-05-31 03:19:17] - JHM says: I wanted to mention that the Capital One Venture card does not allow you to apply with a co-applicant. So if you're married and want a credit card for both you and your wife to use, it won't work. It can only be in one person's name, and then you can add on an authorized user. But I think we all know that is not the same, especially if you both want to build credit.
  74. [2012-05-29 17:18:27] - NerdWallet says: The Venture is a personal credit card, while the Spark Miles is for businesses (though a business owner can still apply for and use the Venture for business purchases).
  75. [2012-05-27 01:11:43] - At-dc says: How is the capital one venture different from the spark miles?
  76. [2012-05-24 15:49:06] - NerdWallet says: The Chase Ink Bold is a charge card rather than a credit card, so you aren't able to carry a balance. While it's a very solid card, it's not ideal for someone seeking a line of credit.
  77. [2012-05-14 14:54:58] - NerdWallet says: I'd recommend checking out your local credit union, as we haven't seen any major banks offer no-fee secured cards. The lowest-fee ones are the Orchard Bank Secured (not the regular old MasterCard) with a $35 annual fee waived the first year, and the Capital One Secured MasterCard, which has a $29 annual fee.
  78. [2012-05-14 01:45:11] - ashaunti says: Hi I need a recommendation from you all, I just wanted to know what secured credit card would would be best for me, I have no history of credit and I couldn't get an orchard bank secured credit card, I would prefer no annual fees,low interest fees maybe something with travel reward points if possible.
  79. [2012-05-05 02:46:15] - Thirdof3atUMD says: I'm looking at getting my first rewards card. I have excellent credit and normally pay everything on a debit card, but iI travel (within the US) for my job, about a trip every other month, between $700 - 1,000 each, and want something to build up rewards/and my credit score for those trips. The card would mostly be for travel. I'd like to earn hotels and miles and or cash back. Any suggestions?
  80. [2012-05-03 18:58:09] - NerdWallet says: I'd recommend the American Express Blue Cash Preferred, which gives an impressive 6% cash back on groceries, 3% on department stores and gas, and 1% elsewhere. It has a $75 annual fee, but that's mitigated by a $150 signup bonus.
  81. [2012-05-03 16:48:28] - Valplym says: My husband and I will put approximately 40,000/year on a credit card. We pay the entire balance each month and are looking for cash rewards only not interested in flights or other offers. A moderate annual fee is acceptable.
  82. [2012-04-27 13:29:13] - 100850 says: I am also Canadian and I have a Capital One Platinum MasterCard with an annual percentage rate of 5.99% for life. (Lucky me, but I have had this card for many years) Anyways, my husband and I winter in Arizona and I used my card 3 times for purchases there. I am not sure if they have a foreign transaction fee, but when I purchased, (this year) the Canadian dollar was at $1.01 US for $1 Canadian, which means that my purchases should have been less, but they were actually more. On a $2,000 US purchase I paid $2,031.78. Amex gave me an exchange rate of 0.981897646% so they may not charge a foreign transaction fee, but they don't give you the actual exchange rate, so they are making their money there.
  83. [2012-04-16 18:58:04] - NerdWallet says: Hi Carol, I'd recommend a Capital One credit card, as all of them have no foreign transaction fee. If you're okay paying an annual fee, the Capital One Venture gives 2 miles per $1 spent, but if you'd rather stay fee-free, the Capital One Cash gives 1.5% cash back.
  84. [2012-04-15 19:18:35] - Carol says: My husband and I are Canadians who live in the US up to six months out of the year. We have recently begun flying back and forth to Florida and want to get the perfect air travel rewards cards for our situation. Currently we have a Canadian no fee rewards card for Canada and an American RBC Platinum Rewards card for the US. When we went to switch them to Avion cards we were told that we would not be able to combine the rewards from the two cards. Also, the Canadian card has a $120 fee for the main cardholder and $50 for the holder. ( Not sure about the US card fee) The reason for having the two cards is: no foreign currency exchange fees and the convenience of being able to use our card for gas stations, etc which require our US zip code. So we want the most bang for air travel and lowest fee/reward ratio and all the convenience.
  85. [2012-03-05 21:25:19] - NerdWallet says: Hi Sandy, Please check out our prepaid tool at http://www.nerdwallet.com/prepaid/. Thanks so much!
  86. [2012-03-05 20:06:43] - Sandy says: Can you tell me how to access your "Prepaid Debit Card Comparison Tool" Thank You
  87. [2012-02-06 19:34:21] - NerdWallet says: The SimplyCash gives 5x rewards on wireless and office supplies and 3x rewards on gas, so if you don't spend that much in those areas, you might be better off with an all-purpose rewards card. I'd recommend a supplemental card like the Capital One Spark Miles or Cash, both of which earn 2% rewards on all purchases and have a $59 annual fee that's waived the first year. Unlike the SimplyCash, both have a signup bonus worth $100. The benefit of having a Visa is that if you ever run across a merchant who doesn't take AmEx, you still have a backup. That said, if you're a fan of AmEx, SimplyCash does the trick - no annual fee, plus no purchase APR for 12 months.
  88. [2012-02-06 19:01:30] - sab says: I have a construction business and spend mostly on supplies and materials. I don't have many office supplies, although I will be purchasing a new computer soon. Besides that, I don't really need the travel rewards and I already get those benefits from my personal Amex Platinum card. I also want the option of keeping a balance and paying over time. I love American Express, and I keep seeing the SimplyCash pop up, but I'm worried about vendors who may not accept Amex. So do you still recommend the SimplyCash or is there something else?
  89. [2012-02-01 02:57:47] - Buffaloaded says: I charge at least 20,000 a month between my small business and personal needs. I would like your thoughts about which card gives the best rewards in 2 categories --travel and money back. For travel it seems the Spark and Venture cards are best and I can't tell about money back. Not a big portion of my bill is for gas, office supplies, air travel or hotels--it's mostly for products I buy for resale.
  90. [2012-01-19 04:59:20] - NerdWallet says: I'd suggest a student credit card. If he doesn't have an income, you'll have to co-sign the card for him (even though he's 21). While this does mean that he can lower your credit score if he messes up, it also means that he can get a better credit card than he'd qualify for alone. Here's our list of our favorite student credit cards, which are pretty accessible to people with no credit who are still in college. Though you definitely aren't limited to a student credit card - if you're willing to co-sign for him, you can also consider a no-fee, low-limit rewards card that might earn bigger dividends.
  91. [2012-01-19 04:51:53] - Jenlesmill says: my son is a student and has never paid anything but cash up front. What kind of card can he get? He is 21
  92. [2012-01-05 04:36:25] - NerdWallet says: Hi Steve, Your credit limit depends more on your business and credit score rather than the card that you choose, but to earn unlimited miles, I'd suggest: The Capital One Spark Miles, which earns 2 miles for every dollar spent and has a $59 annual fee that's waived the first year, or The Capital One Spark Miles Select, which earns 1.5 miles to the dollar and has no annual fee Both cards have no foreign transaction fee, key if you travel internationally, and you can redeem your miles for a statement credit offsetting any travel expense. Hope this helps!
  93. [2012-01-05 01:14:00] - Steve says: Indiana Steve I want a card that lets me spend $75000/month in my business and pay off every month. I want unlimited Frequent flyer miles and low to no annual fees. Any thoughts?
  94. [2011-10-20 22:12:23] - NerdWallet says: Might be tough to get a card with that high of a credit limit on short notice. But you may be able to get an Amex Platinum or Gold card, with no pre-set spending limit, and try using that?
  95. [2011-10-20 22:10:58] - bruce says: question We have a time share which we owe 16000 on we can pay it off with cash but would rather get a credit card pay off the card promply and get some rewards we have ecellent credit any thoughts on cards????
  96. [2011-09-26 23:08:44] - Jon Valenzuela says: I travel by van a lot on business and run a bill fromm 1 to 5 thousand dollars a month on a credit card.At cabelas,an outdoor store I was convinced to get a card from them for the rewards.Do you know how competitive their reward program is.
  97. [2011-09-19 11:22:40] - NerdWallet says: It's mostly random, but we always post these deals on our blog (http://www.nerdwallet.com/blog/) when we hear about them. And we also have a mailing list you can sign up for, to get alerts when something new comes around (http://eepurl.com/cTN5k).

    As for the three cards you are comparing, try these posts we did comparing them: http://www.nerdwallet.com/blog...
    http://www.nerdwallet.com/blog...
  98. [2011-09-18 14:54:51] - Crystal says: I saw a video where you said at times you can get cards with 100,000 miles promotion. When is the best time to look for this deal? Or is it completely random? I just moved away from home and am looking at getting a rewards card to earn miles as I hope to be able to fly home a few times a year. I currently have BofA cash rewards card. I've been debating for awhile between Capital One Venture, Capital One Venture One, and Chase Sapphire. Any advice on those 3?
  99. [2011-09-14 23:35:27] - NerdWallet says: Here's some more information about the Schwab card, and the two versions that BofA is trying to replace it with: http://www.nerdwallet.com/blog/2011/adieu-to-the-2-charles-schwab-credit-card/ And here is a better post on our suggested alternatives: http://www.nerdwallet.com/blog/2011/what-other-credit-cards-compare-to-the-schwab-bank-invest-first-visa/
  100. [2011-09-14 23:03:43] - Corbett Klempay says: I picked up a Schwab Invest First card in spring 2010 based on Nerdwallet's recommendation. It was a fabulous card: 2% on all purchases, no cap, deposited monthly into my Schwab account. No foreign currency conversion fees, either (sometimes important to me). Schwab discontinued it, and it became FIA Cash Rewards, with all of the same features. Really ugly and generic looking card, but still great benefits. Now (in the past few weeks), the FIA version is going for good: BoA is taking over my card, cutting the rewards % way down, and cutting some of the ancillary benefits (travel insurance, etc). Any recommendations on the best replacement for the beloved Schwab Invest First? Several k a month spending (use it for work charges), full balance payoff every month.
  101. [2011-09-12 22:45:37] - Dufus says: Except Bank of America will soon be out of business!
  102. [2011-08-08 19:28:11] - NerdWallet says: We think it's a great card. And there's a great sign-up bonus right now: http://www.nerdwallet.com/blog/2011/chase-sapphire-offers-50000-point-signup-bonus-worth-500/
  103. [2011-08-08 19:08:34] - Itzmeinthesky says: can you tell me about the sapphire card, is it worth applying for?
  104. [2011-08-04 20:45:12] - EP says: https://www.bankofamerica.com/credit-cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090UABH00506700155001EN000%7C2049822%7CBR is the card for our family. You can choose to cash out the $ or apply to a 529 plan. The interest is high but we pay it off every month so it doesn't matter. Surpised you don't have this one listed. I have been a member for 7 years.
  105. [2011-07-05 19:12:59] - NerdWallet says: Hi Klus, can you provide us with links to information about these two cards? I can't find them anywhere, and we're in the process of trying to build out our selection of regional bank credit cards (First Tenn and Citizens only serve particular regions, and aren't available to customers nationwide). In the meantime, we list plenty of national bank and credit union cards on our Low APR page that offer comparable rates: http://www.nerdwallet.com/low-apr-credit-cards
  106. [2011-07-04 01:58:57] - Klus3418 says: this site is bogus----it doesn't even list Citizens Bank with a 6.9% and First Tennessee with a 5.9%
  107. [2011-04-17 02:26:27] - NerdWallet says: Great, check out our balance transfer page to find the perfect option, and let us know if you have any more questions! http://www.nerdwallet.com/balance-transfer-credit-cards
  108. [2011-04-16 15:02:55] - Browneyedgirl40419 says: I am looking for a card that I can transfer the balance from two cards over to... I want something that don't have a high fee for transferring and the interest rate is about 16%.
  109. [2011-02-11 03:46:57] - Tim says: Thanks for sharing Tina. The deal currently gives you 25,000 BA miles upfront and another 25,000 if you spend $2,500 in the first 3 months. American Airlines and Alaskan are OneWorld partners, so this is quite easy to redeem, even if you are not flying internationally
  110. [2011-02-11 03:44:42] - Tina says: The British Airways 50,000 mile deal is also quite good. You can spend miles on OneWorld flights, and you get 1.25 Miles per $1 spent, rather than the normal 1 Mile per $1 spent. http://www.britishairways.com/travel/creditcards/public/en_us
  111. [2011-02-01 04:47:43] - Tim says: Right now, Continental is offering up to 50,000 miles to sign up. Check out our blog post about the Continental 50,000 mile deal.