2020's Credit
Card Winners
Play your cards right with 2020's best credit cards – from travel rewards to 0% intro APR offers and more. And while many of the winners are our partners, this didn't influence our decisions or opinions. Our opinions are our own.
Best-Of Awards > Credit Cards
Best Bonus Rewards Cash-Back Credit Card
Apply Now
on Discover's website, or call 800-347-0264
Apply Now
on Discover's website, or call 800-347-0264
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates and Fees
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates and Fees
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates and Fees
Why this CARD made the list
This card earns a high rewards rate in popular spending categories that change each quarter. The unique bonus offer can be lucrative, too.
Read our methodologyBest Credit Card for Families
Apply Now
on American Express' website
Apply Now
on American Express' website
Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended Credit Score
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- View Rates and Fees
Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended Credit Score
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- View Rates and Fees
Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended Credit Score
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- View Rates and Fees
Why this CARD made the list
This is a great option for grocery-heavy budgets. Plus, you’ll earn rich rewards at U.S. gas stations and on eligible transit and streaming services.
Read our methodologyInformation about the Wells Fargo Propel American Express® card may be out of date. This product is not available on NerdWallet.
Best No-Annual-Fee Travel Credit Card
Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
Points
Recommended Credit Score
Pros
- No annual fee
- No foreign transaction fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
Pros
- No annual fee
- No foreign transaction fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
Points
Recommended Credit Score
Pros
- No annual fee
- No foreign transaction fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
Pros
- No annual fee
- No foreign transaction fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
Points
Recommended Credit Score
Pros
- No annual fee
- No foreign transaction fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
Pros
- No annual fee
- No foreign transaction fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
Why this CARD made the list
This card offers excellent bonus rewards across a wide variety of everyday spending categories, plus a nice welcome offer — all with no card ownership cost.
Read our methodologyBest Flat-Rate Travel Credit Card
Apply Now
on Capital One's website
Apply Now
on Capital One's website
Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
75,000
Miles
Recommended Credit Score
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates and Fees
Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
75,000
Miles
Recommended Credit Score
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates and Fees
Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
75,000
Miles
Recommended Credit Score
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates and Fees
Why this CARD made the list
This card earns a high rewards rate on every purchase, and those rewards are flexible and easy to use. Redeem them for virtually any kind of travel expense.
Read our methodologyBest Flat-Rate Cash-Back Credit Card
Apply Now
on Citibank's application
Apply Now
on Citibank's application
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates and Fees
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates and Fees
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates and Fees
Why this CARD made the list
With a two-part rewards system that delivers one of the best cash-back rates on the market, it's a reliable and valuable option for everyday spending.
Read our methodologyBest Credit Card for Dining and Entertainment
Annual fee
$95
Rewards rate
1%-8%
Cashback
Intro offer
$300
Recommended Credit Score
Pros
- No foreign transaction fee
- Rich rewards on dining, entertainment
- Broad definition of entertainment
- Generous sign-up bonus
Cons
- Has annual fee
- High APR, no 0% intro period
Pros
- No foreign transaction fee
- Rich rewards on dining, entertainment
- Broad definition of entertainment
- Generous sign-up bonus
Cons
- Has annual fee
- High APR, no 0% intro period
- Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
- Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- No foreign transaction fees.
- Capital One cardholders get access to premium experiences in dining, entertainment and more.
- As of July 16, 2024, the Capital One Savor Cash Rewards Credit Card is no longer accepting applications, according to Capital One. Existing cardholders can continue using the card.
- Information for this card not reviewed by or provided by Capital One.
Annual fee
$95
Rewards rate
1%-8%
Cashback
Intro offer
$300
Recommended Credit Score
Pros
- No foreign transaction fee
- Rich rewards on dining, entertainment
- Broad definition of entertainment
- Generous sign-up bonus
Cons
- Has annual fee
- High APR, no 0% intro period
Pros
- No foreign transaction fee
- Rich rewards on dining, entertainment
- Broad definition of entertainment
- Generous sign-up bonus
Cons
- Has annual fee
- High APR, no 0% intro period
- Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
- Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- No foreign transaction fees.
- Capital One cardholders get access to premium experiences in dining, entertainment and more.
- As of July 16, 2024, the Capital One Savor Cash Rewards Credit Card is no longer accepting applications, according to Capital One. Existing cardholders can continue using the card.
- Information for this card not reviewed by or provided by Capital One.
Annual fee
$95
Rewards rate
1%-8%
Cashback
Intro offer
$300
Recommended Credit Score
Pros
- No foreign transaction fee
- Rich rewards on dining, entertainment
- Broad definition of entertainment
- Generous sign-up bonus
Cons
- Has annual fee
- High APR, no 0% intro period
Pros
- No foreign transaction fee
- Rich rewards on dining, entertainment
- Broad definition of entertainment
- Generous sign-up bonus
Cons
- Has annual fee
- High APR, no 0% intro period
- Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
- Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- No foreign transaction fees.
- Capital One cardholders get access to premium experiences in dining, entertainment and more.
- As of July 16, 2024, the Capital One Savor Cash Rewards Credit Card is no longer accepting applications, according to Capital One. Existing cardholders can continue using the card.
- Information for this card not reviewed by or provided by Capital One.
Why this CARD made the list
It’s a great fit for foodies and fun-lovers, not just because of its high rewards rates, but also for its broad definitions of “dining” and “entertainment.”
Read our methodologyBest Bonus Rewards Travel Credit Card
Apply Now
on Chase's website
Apply Now
on Chase's website
Annual fee
$550
Rewards rate
1x-10x
Points
Intro offer
60,000
Points
Recommended Credit Score
Pros
- High rewards rate
- Luxury perks
- Premium travel protections
- Transfer partners
- Primary rental car coverage
Cons
- High annual fee
- Requires excellent credit
Pros
- High rewards rate
- Luxury perks
- Premium travel protections
- Transfer partners
- Primary rental car coverage
Cons
- High annual fee
- Requires excellent credit
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Annual fee
$550
Rewards rate
1x-10x
Points
Intro offer
60,000
Points
Recommended Credit Score
Pros
- High rewards rate
- Luxury perks
- Premium travel protections
- Transfer partners
- Primary rental car coverage
Cons
- High annual fee
- Requires excellent credit
Pros
- High rewards rate
- Luxury perks
- Premium travel protections
- Transfer partners
- Primary rental car coverage
Cons
- High annual fee
- Requires excellent credit
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Annual fee
$550
Rewards rate
1x-10x
Points
Intro offer
60,000
Points
Recommended Credit Score
Pros
- High rewards rate
- Luxury perks
- Premium travel protections
- Transfer partners
- Primary rental car coverage
Cons
- High annual fee
- Requires excellent credit
Pros
- High rewards rate
- Luxury perks
- Premium travel protections
- Transfer partners
- Primary rental car coverage
Cons
- High annual fee
- Requires excellent credit
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Why this CARD made the list
This card offers sweet ongoing rewards and perks, plus practical long-term value like a yearly $300 travel credit that pays back a big chunk of its annual fee.
Read our methodologyBest Premium Credit Card
Apply Now
on American Express' website
Apply Now
on American Express' website
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
80,000
Points
Recommended Credit Score
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
- View Rates and Fees
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
80,000
Points
Recommended Credit Score
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
- View Rates and Fees
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
80,000
Points
Recommended Credit Score
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Lounge membership
- Automatic elite status
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
- View Rates and Fees
Why this CARD made the list
The annual fee is high, but it unlocks wide-ranging perks like travel credits, exclusive services, airport lounge access, hotel benefits and much more.
Read our methodologyBest Hotel Credit Card
Apply Now
on Chase's website
Apply Now
on Chase's website
Annual fee
$95
Rewards rate
1x-9x
Points
Intro offer
Up to 90,000 Points
Points
Recommended Credit Score
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
- Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Annual fee
$95
Rewards rate
1x-9x
Points
Intro offer
Up to 90,000 Points
Points
Recommended Credit Score
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
- Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Annual fee
$95
Rewards rate
1x-9x
Points
Intro offer
Up to 90,000 Points
Points
Recommended Credit Score
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
- Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Why this CARD made the list
The card earns solid rewards and is packed with perks, including a free night every year and a chance to earn a second one, on top of a valuable sign-up bonus.
Read our methodologyBest Airline Credit Card
Apply Now
on Chase's website
Apply Now
on Chase's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-2x
Miles
Intro offer
50,000
Miles
Recommended Credit Score
Pros
- Bonus categories
- Luxury perks
- New cardholder bonus offer
- Free checked bag
Cons
- Has annual fee
- Rewards have limited flexibility
Pros
- Bonus categories
- Luxury perks
- New cardholder bonus offer
- Free checked bag
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Member FDIC
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-2x
Miles
Intro offer
50,000
Miles
Recommended Credit Score
Pros
- Bonus categories
- Luxury perks
- New cardholder bonus offer
- Free checked bag
Cons
- Has annual fee
- Rewards have limited flexibility
Pros
- Bonus categories
- Luxury perks
- New cardholder bonus offer
- Free checked bag
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Member FDIC
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-2x
Miles
Intro offer
50,000
Miles
Recommended Credit Score
Pros
- Bonus categories
- Luxury perks
- New cardholder bonus offer
- Free checked bag
Cons
- Has annual fee
- Rewards have limited flexibility
Pros
- Bonus categories
- Luxury perks
- New cardholder bonus offer
- Free checked bag
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Member FDIC
Why this CARD made the list
Even occasional United flyers can benefit from perks like free checked bags, priority boarding and lounge passes. Its bonus categories are also practical.
Read our methodologyBest 0% Intro APR Credit Card
Apply Now
on U.S. Bank's website
Apply Now
on U.S. Bank's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates and Fees
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates and Fees
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates and Fees
Why this CARD made the list
This card features a lengthy interest-free promo period, making it ideal for financing a big purchase or paying off debt. It also offers cell phone insurance.
Read our methodologyBest Credit Card for College Students
Apply Now
on Discover's website, or call 800-347-0264
Apply Now
on Discover's website, or call 800-347-0264
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score