Best Credit Cards of 2016: Reviews, Rewards and Offers

Nerdwallet's

Best Credit Cards of 2016

From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. Compare these deals, some of which are from our partners, to find one that fits your needs.

NerdWallet's Best Credit Cards

Best For...Credit CardCard Highlight
RewardsChase Sapphire Preferred® CardA $625 rewards bonus for travel
Cash BackDiscover it® - Cashback Match™5% back at Amazon and Department Stores in Q4
Average CreditCapital One® QuicksilverOne® Cash Rewards Credit Card1.5% cash back on all purchases
Low InterestBankAmericard® Credit Card0% APR for 18 billing cycles and a low ongoing APR
TravelChase Sapphire Preferred® CardA $625 rewards bonus for travel
Balance TransferDiscover it®- 18 Month Balance Transfer Offer0% Intro APR on Balance Transfers and Earn Rewards
StudentDiscover it® for Students5% cash back on rotating bonus categories
BusinessCapital One® Spark® Cash for Business2% cash back on all purchases
Building CreditDiscover it® Secured Card – No Annual FeeCash back rewards secured card

Best Credit Cards: Offers for December 2016

Best credit card for...

Card details

Recommended credit score

A $625 rewards bonus for travel

Chase Sapphire Preferred® Card

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $0 for the first year, then $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $0 for the first year, then $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016

  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening

  • No foreign transaction fees

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel

  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

  • Find out if you pre-qualify for a Chase credit card

    Get Pre-Qualified
2x travel rewards on all spend with easy redemption
  • Bonus offer

    Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Rewards rate

    2 miles

  • Annual fee

    $0 for the first year, then $59

  • Intro APR

    N/A

  • Ongoing APR

    13.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Rewards rate

    2 miles

  • Annual fee

    $0 for the first year, then $59

  • Intro APR

    N/A

  • Ongoing APR

    13.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Earn unlimited 2X miles per dollar on every purchase, every day

  • Fly any airline, stay at any hotel, anytime

  • Travel when you want with no blackout dates

  • Miles don't expire and there’s no limit to how many you can earn

  • No foreign transaction fees

  • $0 intro annual fee for the first year; $59 after that

5% cash back in Q4 on Amazon and Department Stores

Discover it® - Cashback Match™

Apply Nowon Discover’s secure website.
  • Bonus offer

    Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 14 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 14 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

  • Redeem your cash back for any amount, any time. Cash rewards never expire.

  • 100% U.S. based customer service.

  • Get your FICO® Credit Score for free on monthly statements and online.

  • No annual fee.

  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Leading rewards for everyday spend

Blue Cash Preferred® Card from American Express

Apply Nowon American Express’s secure website.
  • Bonus offer

    Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $95

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Rates & Fees | Terms & Conditions

Additional Info
  • Bonus offer

    Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $95

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Rates & Fees | Terms & Conditions

Recommended credit score

Card details

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.

  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.

  • You will receive cash back in the form of statement credits.

  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.

  • No rotating reward categories. No enrollment required.

  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.

  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.

  • Terms and Conditions apply.

  • View Rates and Fees

  • See if you qualify for a better offer with American Express:

    Get Pre-Qualified
[back to top]

Best Balance Transfer Credit Card Offers

Best credit card for...

Card details

Recommended credit score

0% Intro APR on Balance Transfers and Earn Rewards
  • Bonus offer

    You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Recommended credit score

Card details

  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

  • Redeem your cash back for any amount, any time. Cash rewards never expire.

  • 100% U.S. based customer service.

  • Get your FICO® Credit Score for free on monthly statements and online.

  • No annual fee.

  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

0% APR for 18 billing cycles and a low ongoing APR

BankAmericard® Credit Card

Apply Nowon Bank of America’s secure website, or call (800) 322-7707.
  • Bonus offer

    None

  • Rewards rate

    No rewards

  • Annual fee

    $0

  • Intro APR

    0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    11.24% - 21.24% Variable APR

Additional Info
  • Bonus offer

    None

  • Rewards rate

    No rewards

  • Annual fee

    $0

  • Intro APR

    0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    11.24% - 21.24% Variable APR

Recommended credit score

Card details

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.

  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies

  • No annual fee

  • Saves you more on interest when you transfer balances from higher rate credit cards

  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account

  • Access your FICO® Score for free within Online and Mobile Banking

  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

Over a year of 0% APR with a $0 intro balance transfer fee

Chase Slate®

Apply Nowon Chase’s secure website.
  • Bonus offer

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

Recommended credit score

Card details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening

  • 0% Introductory APR for 15 months on purchases and balance transfers

  • Monthly FICO® Score and Credit Dashboard for free

  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply

  • $0 Annual Fee

  • Find out if you pre-qualify for a Chase credit card

    Get Pre-Qualified
[back to top]

Best Cash Back Credit Card Offers

Best credit card for...

Card details

Recommended credit score

5% back at Amazon and Department Stores in Q4

Discover it® - Cashback Match™

Apply Nowon Discover’s secure website.
  • Bonus offer

    Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 14 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 14 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

  • Redeem your cash back for any amount, any time. Cash rewards never expire.

  • 100% U.S. based customer service.

  • Get your FICO® Credit Score for free on monthly statements and online.

  • No annual fee.

  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

A $150 cash sign-up bonus, 1.5% cash back on all purchases, and intro APR offer

Chase Freedom Unlimited℠

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Rewards rate

    1.50%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    14.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Rewards rate

    1.50%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    14.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Unlimited 1.5% cash back on every purchase - it's automatic

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum

  • Redeem for cash - any amount, anytime

  • Cash Back rewards do not expire as long as your account is open

  • No annual fee

6% back at supermarkets, 3% at gas stations; terms apply

Blue Cash Preferred® Card from American Express

Apply Nowon American Express’s secure website.
  • Bonus offer

    Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $95

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Rates & Fees | Terms & Conditions

Additional Info
  • Bonus offer

    Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $95

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Rates & Fees | Terms & Conditions

Recommended credit score

Card details

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.

  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.

  • You will receive cash back in the form of statement credits.

  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.

  • No rotating reward categories. No enrollment required.

  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.

  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.

  • Terms and Conditions apply.

  • View Rates and Fees

  • See if you qualify for a better offer with American Express:

    Get Pre-Qualified
[back to top]

Best Travel No Foreign Transaction Fee Credit Cards

Best credit card for...

Card details

Recommended credit score

A $625 rewards bonus for travel

Chase Sapphire Preferred® Card

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $0 for the first year, then $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $0 for the first year, then $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016

  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening

  • No foreign transaction fees

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel

  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

  • Find out if you pre-qualify for a Chase credit card

    Get Pre-Qualified
2x travel rewards with easy redemption
  • Bonus offer

    Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Rewards rate

    2 miles

  • Annual fee

    $0 for the first year, then $59

  • Intro APR

    N/A

  • Ongoing APR

    13.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Rewards rate

    2 miles

  • Annual fee

    $0 for the first year, then $59

  • Intro APR

    N/A

  • Ongoing APR

    13.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Earn unlimited 2X miles per dollar on every purchase, every day

  • Fly any airline, stay at any hotel, anytime

  • Travel when you want with no blackout dates

  • Miles don't expire and there’s no limit to how many you can earn

  • No foreign transaction fees

  • $0 intro annual fee for the first year; $59 after that

No annual fee, no foreign transaction fees, and Chip

BankAmericard Travel Rewards® Credit Card

Apply Nowon Bank of America’s secure website, or call (800) 211-3740.
  • Bonus offer

    20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases

  • Rewards rate

    1.5 points per dollar

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 12 billing cycles

  • Ongoing APR

    15.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases

  • Rewards rate

    1.5 points per dollar

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 12 billing cycles

  • Ongoing APR

    15.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire

  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases

  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions

  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees

  • Comes with chip technology for enhanced security and protection at chip-enabled terminals

  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR

  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account

  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%.

[back to top]

Best Rewards Credit Card Offers

Best credit card for...

Card details

Recommended credit score

A $625 rewards bonus for travel

Chase Sapphire Preferred® Card

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $0 for the first year, then $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $0 for the first year, then $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016

  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening

  • No foreign transaction fees

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel

  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

  • Find out if you pre-qualify for a Chase credit card

    Get Pre-Qualified
6% back at supermarkets, 3% at gas stations; terms apply

Blue Cash Preferred® Card from American Express

Apply Nowon American Express’s secure website.
  • Bonus offer

    Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $95

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Rates & Fees | Terms & Conditions

Additional Info
  • Bonus offer

    Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $95

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Rates & Fees | Terms & Conditions

Recommended credit score

Card details

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.

  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.

  • You will receive cash back in the form of statement credits.

  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.

  • No rotating reward categories. No enrollment required.

  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.

  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.

  • Terms and Conditions apply.

  • View Rates and Fees

  • See if you qualify for a better offer with American Express:

    Get Pre-Qualified
5% cash back in Q4 on Amazon and Department Stores

Discover it® - Cashback Match™

Apply Nowon Discover’s secure website.
  • Bonus offer

    Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 14 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 14 months

  • Ongoing APR

    11.24% - 23.24% Variable APR

Recommended credit score

Card details

  • Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

  • Redeem your cash back for any amount, any time. Cash rewards never expire.

  • 100% U.S. based customer service.

  • Get your FICO® Credit Score for free on monthly statements and online.

  • No annual fee.

  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Best Low Interest Credit Card Offers

Best credit card for...

Card details

Recommended credit score

0% APR for 18 billing cycles and a low ongoing APR

BankAmericard® Credit Card

Apply Nowon Bank of America’s secure website, or call (800) 322-7707.
  • Bonus offer

    None

  • Rewards rate

    No rewards

  • Annual fee

    $0

  • Intro APR

    0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    11.24% - 21.24% Variable APR

Additional Info
  • Bonus offer

    None

  • Rewards rate

    No rewards

  • Annual fee

    $0

  • Intro APR

    0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    11.24% - 21.24% Variable APR

Recommended credit score

Card details

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.

  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies

  • No annual fee

  • Saves you more on interest when you transfer balances from higher rate credit cards

  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account

  • Access your FICO® Score for free within Online and Mobile Banking

  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

Over a year of 0% APR with a $0 intro balance transfer fee

Chase Slate®

Apply Nowon Chase’s secure website.
  • Bonus offer

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

Additional Info
  • Bonus offer

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    13.24% - 23.24% Variable APR

Recommended credit score

Card details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening

  • 0% Introductory APR for 15 months on purchases and balance transfers

  • Monthly FICO® Score and Credit Dashboard for free

  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply

  • $0 Annual Fee

  • Find out if you pre-qualify for a Chase credit card

    Get Pre-Qualified
One of the lowest interest rates available

Barclaycard Ring MasterCard®

Apply Nowon Barclaycard’s secure website.
  • Bonus offer

    A low variable APR on balance transfers and purchases

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    8.25%* Variable APR

Additional Info
  • Bonus offer

    A low variable APR on balance transfers and purchases

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    8.25%* Variable APR

Recommended credit score

Card details

  • A low, variable APR on balance transfers and purchases

  • No Annual Fee

  • No balance transfer fees

  • No foreign transaction fees

  • Share in the community profits through our Giveback™ program

  • Vote on product changes and share your ideas in Barclaycard Ring's community

  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

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Best Small Business Credit Card Offers

Best credit card for...

Card details

Recommended credit score

2% cash back on all purchases

Capital One® Spark® Cash for Business

Apply Nowon Capital One’s secure website.
  • Bonus offer

    Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval

  • Rewards rate

    2.00%

  • Annual fee

    $0 for the first year, then $59

  • Intro APR

    N/A

  • Ongoing APR

    17.24% Variable APR

Additional Info
  • Bonus offer

    Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval

  • Rewards rate

    2.00%

  • Annual fee

    $0 for the first year, then $59

  • Intro APR

    N/A

  • Ongoing APR

    17.24% Variable APR

Recommended credit score

Card details

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business

  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval

  • Use Spark Cash across all your business spend, with no categories to limit your purchasing

  • $0 intro annual fee for the first year; $59 after that

  • Rewards don't expire, and you can redeem your cash back for any amount, anytime

  • Get employee cards at no additional cost, and earn rewards from their business spend

Cash back with no fees

Ink Cash® Business Credit Card

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.49% - 19.49% Variable APR

Additional Info
  • Bonus offer

    Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    13.49% - 19.49% Variable APR

Recommended credit score

Card details

  • Earn $300 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

  • Employee cards at no additional cost

  • No Annual Fee

Choose your bonus rewards category
  • Bonus offer

    Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 9 months

  • Ongoing APR

    12.49% - 19.49% Variable APR

  • Rates & Fees | Terms & Conditions

Additional Info
  • Bonus offer

    Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017. Terms Apply

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 9 months

  • Ongoing APR

    12.49% - 19.49% Variable APR

  • Rates & Fees | Terms & Conditions

Recommended credit score

Card details

  • For a limited time, earn even more cash back: Earn up to $500 cash back as statement credits.

  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.

  • Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017.

  • No Annual Fee. Plus, more buying power and more cash back.

  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.

  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.

  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.

  • Terms and limitations apply

  • View Rates and Fees

$1,000 introductory bonus for travel
  • Bonus offer

    Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 21.24% Variable APR

Additional Info
  • Bonus offer

    Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual fee

    $95

  • Intro APR

    N/A

  • Ongoing APR

    16.24% - 21.24% Variable APR

Recommended credit score

Card details

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year

  • Earn 1 point per $1 on all other purchases with no limit to the amount you can earn

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards

  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open

  • No foreign transaction fees

  • Employee cards at no additional cost

  • $95 Annual Fee

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Best for Average & Fair Credit

Best credit card for...

Card details

Recommended credit score

1.5% cash back on all purchases
  • Bonus offer

    Earn unlimited 1.5% cash back on every purchase, every day

  • Rewards rate

    1.50%

  • Annual fee

    $39

  • Intro APR

    N/A

  • Ongoing APR

    24.99% Variable APR

Additional Info
  • Bonus offer

    Earn unlimited 1.5% cash back on every purchase, every day

  • Rewards rate

    1.50%

  • Annual fee

    $39

  • Intro APR

    N/A

  • Ongoing APR

    24.99% Variable APR

Recommended credit score

Card details

  • Earn unlimited 1.5% cash back on every purchase, every day

  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

  • 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

  • Use online banking to access your account, even from your smartphone, with our mobile app

  • Help strengthen your credit for the future with responsible card use

Over a year of no interest and $0 intro balance transfer fee

Chase Slate®

Apply Nowon Chase’s secure website.
  • Bonus offer

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    0% Intro APR on purchases and balance transfers for 15 months

  • Ongoing APR

    13.24% - 23.24% Variable

Additional Info
  • Bonus offer

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    0% Intro APR on purchases and balance transfers for 15 months

  • Ongoing APR

    13.24% - 23.24% Variable

Recommended credit score

Card details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening

  • 0% Introductory APR for 15 months on purchases and balance transfers

  • Monthly FICO® Score and Credit Dashboard for free

  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply

  • $0 Annual Fee

  • Find out if you pre-qualify for a Chase credit card

    Get Pre-Qualified
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Best Credit Cards for Building & Rebuilding Credit

Best credit card for...

Card details

Recommended credit score

Cash back rewards secured card
  • Bonus offer

    None

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    10.99% on Balance Transfers for 6 months

  • Ongoing APR

    23.24% Variable APR

Additional Info
  • Bonus offer

    None

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    10.99% on Balance Transfers for 6 months

  • Ongoing APR

    23.24% Variable APR

Recommended credit score

Card details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.

  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.

  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.

  • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.

  • Discover matches all the cash back you’ve earned at the end of your first year - automatically. New cardmembers only.

  • No late fee on your first late payment. And paying late won’t raise your APR.

  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Low fee secured credit card

Capital One® Secured MasterCard®

Apply Nowon Capital One’s secure website.
  • Bonus offer

    None

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    24.99% Variable APR

Additional Info
  • Bonus offer

    None

  • Rewards rate

    0.00%

  • Annual fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    24.99% Variable APR

Recommended credit score

Card details

  • No annual fee, and all the credit building benefits with responsible card use

  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus

  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness

  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed

  • 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

Start building your credit
  • Bonus offer

    None

  • Rewards rate

    N/A

  • Annual fee

    $29

  • Intro APR

    N/A

  • Ongoing APR

    19.99%

Additional Info
  • Bonus offer

    None

  • Rewards rate

    N/A

  • Annual fee

    $29

  • Intro APR

    N/A

  • Ongoing APR

    19.99%

Recommended credit score

Card details

  • Receive Your Card More Quickly with New Expedited Processing Option

  • No Credit History or Minimum Credit Score Required for Approval

  • Quick and Complete Online Application

  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History

  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application

  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time

  • 24/7 Online Access to Your Account

  • Nationwide Program though not yet available in NY, IA, AR, or WI

  • Full-Feature Platinum MasterCard® Secured Credit Card

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Best College Student Credit Card Offers

Best credit card for...

Card details

Recommended credit score

5% cash back on rotating bonus categories

Discover it® for Students

Apply Nowon Discover’s secure website.
  • Bonus offer

    Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months

  • Ongoing APR

    13.24% - 22.24% Variable APR

Additional Info
  • Bonus offer

    Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.

  • Rewards rate

    1.00%

  • Annual fee

    $0

  • Intro APR

    0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months

  • Ongoing APR

    13.24% - 22.24% Variable APR

Recommended credit score

Card details

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.

  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

  • No annual fee. No late fee on first late payment. No APR change for paying late.

  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.

  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.

  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.

  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

2X Rewards on dining and entertainment
  • Bonus offer

    Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.

  • Rewards rate

    1 point per Dollar

  • Annual fee

    $0

  • Intro APR

    0% on purchases for 7 months

  • Ongoing APR

    14.24% - 24.24% Variable

Additional Info
  • Bonus offer

    Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.

  • Rewards rate

    1 point per Dollar

  • Annual fee

    $0

  • Intro APR

    0% on purchases for 7 months

  • Ongoing APR

    14.24% - 24.24% Variable

Recommended credit score

Card details

  • 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 earned with this card do not expire and there is no limit to the amount of points you can earn.

  • 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*

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