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.

Best Credit Cards: Offers for August 2016

Best for...

Credit card

Details

Travel rewards with no annual fee or foreign transaction fees

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

  • 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

  • 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

  • Now 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%. Click “Apply Now” to learn more about Preferred Rewards.

Read More
A $625 sign-up 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

  • 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

  • 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 a 'Best Credit Card' for Travel Rewards by MONEY Magazine

  • 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

Read More
Get leading cash back on groceries

Blue Cash Preferred® Card from American Express

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

    Special Offer - Earn 5% cash back on eligible travel purchases 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 for 12 months and 0% on Balance Transfers for 12 months

  • Ongoing APR

    13.24%-23.24% Variable

  • Rates & Fees | Terms & Conditions

  • Bonus offer

    Special Offer - Earn 5% cash back on eligible travel purchases 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 for 12 months and 0% on Balance Transfers for 12 months

  • Ongoing APR

    13.24%-23.24% Variable

  • Rates & Fees | Terms & Conditions

  • Special Offer - Earn 5% cash back on eligible travel purchases 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

Read More
$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 for 15 months on purchases and balance transfers

  • Ongoing APR

    13.24%-23.24% Variable

  • 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 for 15 months on purchases and balance transfers

  • Ongoing APR

    13.24%-23.24% Variable

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine

  • $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

Read More
5% cash back categories with a 100% cash back match at the end of your first year

Discover it® - Cashback Match™

Apply Nowon Discover’s secure website.
  • 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 12 months and 0% on balance transfers for 12 months

  • Ongoing APR

    11.24% – 23.24% Variable

  • 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 12 months and 0% on balance transfers for 12 months

  • Ongoing APR

    11.24% – 23.24% Variable

  • 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 like gas, restaurants, Amazon and more - up to $1500 every quarter 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.

  • FICO® Credit Scores for free on statements and online.

  • No annual fee.

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

Read More
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Best Balance Transfer Credit Card Offers

Best for...

Credit card

Details

$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 for 15 months on purchases and balance transfers

  • Ongoing APR

    13.24%-23.24% Variable

  • 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 for 15 months on purchases and balance transfers

  • Ongoing APR

    13.24%-23.24% Variable

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine

  • $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

Read More
0% APR for 18 billing cycles on qualifying balance transfers and a low ongoing rate for Good to Excellent credit

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

  • 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

  • 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

  • The perfect card for those seeking a simple yet convenient-to-use credit card

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

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

Read More
0% Intro APR on Balance Transfers and Earn Rewards

Discover it®- 18 Month Balance Transfer Offer

Apply Nowon Discover’s secure website.
  • 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

  • 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

  • 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 like gas, restaurants, Amazon and more - up to $1500 every quarter 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.

  • FICO® Credit Scores for free on statements and online.

  • No annual fee.

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

Read More
[back to top]

Best Cash Back Credit Card Offers

Best for...

Credit card

Details

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% Intro APR for 15 months on purchases and balance transfers

  • Ongoing APR

    14.24%-23.24% Variable

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

  • Ongoing APR

    14.24%-23.24% Variable

  • NEW! 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 on purchases and balance transfers. After the intro period, 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

Read More
Up to 75% in rewards bonus with Bank of America Preferred Rewards

BankAmericard Cash Rewards™ Credit Card

Apply Nowon Bank of America’s secure website, or call (877) 754-6706.
  • Bonus offer

    $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • Rewards rate

    1.00%

  • Annual Fee

    $0

  • Intro APR

    0% on Purchases for 12 billing cycles and 0% on Balance Transfers for 12 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • Bonus offer

    $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • Rewards rate

    1.00%

  • Annual Fee

    $0

  • Intro APR

    0% on Purchases for 12 billing cycles and 0% on Balance Transfers for 12 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    13.24% - 23.24% Variable APR

  • No annual fee

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.

  • No changing categories and no expiration on rewards

  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account

  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.

Read More
Get leading cash back on groceries

Blue Cash Preferred® Card from American Express

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

    Special Offer - Earn 5% cash back on eligible travel purchases 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 for 12 months and 0% on Balance Transfers for 12 months

  • Ongoing APR

    13.24%-23.24% Variable

  • Rates & Fees | Terms & Conditions

  • Bonus offer

    Special Offer - Earn 5% cash back on eligible travel purchases 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 for 12 months and 0% on Balance Transfers for 12 months

  • Ongoing APR

    13.24%-23.24% Variable

  • Rates & Fees | Terms & Conditions

  • Special Offer - Earn 5% cash back on eligible travel purchases 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

Read More
[back to top]

Best Travel No Foreign Transaction Fee Credit Cards

Best for...

Credit card

Details

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

  • 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

  • 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

  • Now 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%. Click “Apply Now” to learn more about Preferred Rewards.

Read More
A $625 sign-up 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

  • 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

  • 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 a 'Best Credit Card' for Travel Rewards by MONEY Magazine

  • 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

Read More
2x travel rewards with easy redemption

Capital One® Venture® Rewards Credit Card

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

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

  • Rewards rate

    2 miles

  • Annual Fee

    $0 intro for first year; $59 after that

  • Intro APR

    N/A

  • Ongoing APR

    13.24% - 23.24% (Variable)

  • Bonus offer

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

  • Rewards rate

    2 miles

  • Annual Fee

    $0 intro for first year; $59 after that

  • Intro APR

    N/A

  • Ongoing APR

    13.24% - 23.24% (Variable)

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, 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

Read More
[back to top]

Best Rewards Credit Card Offers

Best for...

Credit card

Details

A $625 sign-up 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

  • 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

  • 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 a 'Best Credit Card' for Travel Rewards by MONEY Magazine

  • 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

Read More
Get leading cash back on groceries

Blue Cash Preferred® Card from American Express

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

    Special Offer - Earn 5% cash back on eligible travel purchases 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 for 12 months and 0% on Balance Transfers for 12 months

  • Ongoing APR

    13.24%-23.24% Variable

  • Rates & Fees | Terms & Conditions

  • Bonus offer

    Special Offer - Earn 5% cash back on eligible travel purchases 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 for 12 months and 0% on Balance Transfers for 12 months

  • Ongoing APR

    13.24%-23.24% Variable

  • Rates & Fees | Terms & Conditions

  • Special Offer - Earn 5% cash back on eligible travel purchases 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

Read More
5% cash back categories with a 100% cash back match at the end of your first year

Discover it® - Cashback Match™

Apply Nowon Discover’s secure website.
  • 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 12 months and 0% on balance transfers for 12 months

  • Ongoing APR

    11.24% – 23.24% Variable

  • 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 12 months and 0% on balance transfers for 12 months

  • Ongoing APR

    11.24% – 23.24% Variable

  • 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 like gas, restaurants, Amazon and more - up to $1500 every quarter 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.

  • FICO® Credit Scores for free on statements and online.

  • No annual fee.

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

Read More
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Best Low Interest Credit Card Offers

Best for...

Credit card

Details

Over 1 year of 0% interest 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

  • 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

  • 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

  • The perfect card for those seeking a simple yet convenient-to-use credit card

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

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

Read More
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% Intro APR for 15 months on purchases and balance transfers

  • Ongoing APR

    13.24%-23.24% Variable

  • 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 for 15 months on purchases and balance transfers

  • Ongoing APR

    13.24%-23.24% Variable

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine

  • $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

Read More
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

  • 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

  • No Balance Transfer Fees - start saving immediately!

  • A low variable APR on balance transfers and purchases

  • No Annual Fee

  • Choose your card benefits and features

  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance

  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online

  • Learn more about personal finance from Barclaycard and other members

  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account

Read More
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Best Small Business Credit Card Offers

Best for...

Credit card

Details

Top rewards and a $750 sign-up bonus

Ink Plus® Business Credit Card

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual Fee

    $95

  • Intro APR

    N/A

  • Ongoing APR

    15.49%-19.49% Variable

  • Bonus offer

    Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

  • Rewards rate

    1 point per dollar

  • Annual Fee

    $95

  • Intro APR

    N/A

  • Ongoing APR

    15.49%-19.49% Variable

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

  • Earn 5 points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year

  • Earn 2 points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year

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

  • No foreign transaction fees

  • Employee cards at no additional cost

  • $95 Annual Fee

Read More
Cash back with no fees

Ink Cash® Business Credit Card

Apply Nowon Chase’s secure website.
  • Bonus offer

    Earn $200 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% Intro APR for 12 months on purchases and balance transfers

  • Ongoing APR

    13.49%-19.49% Variable

  • Bonus offer

    Earn $200 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% Intro APR for 12 months on purchases and balance transfers

  • Ongoing APR

    13.49%-19.49% Variable

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening

  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year

  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn

  • 0% introductory APR for 12 months on purchases and balance transfers

  • Employee cards at no additional cost

  • No Annual Fee

Read More
Best benefits for business travellers

The Business Platinum Card® from American Express OPEN

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

    Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership. Terms Apply

  • Rewards rate

    1.00%

  • Annual Fee

    $450

  • Intro APR

    N/A

  • Ongoing APR

    N/A

  • Rates & Fees | Terms & Conditions

  • Bonus offer

    Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership. Terms Apply

  • Rewards rate

    1.00%

  • Annual Fee

    $450

  • Intro APR

    N/A

  • Ongoing APR

    N/A

  • Rates & Fees | Terms & Conditions

  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.

  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events.

  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.

  • 30% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 30% of the points back.

  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.

  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.

  • Terms & Restrictions Apply.

  • View Rates and Fees

Read More
Best for Average Credit

Capital One® Spark® Classic for Business

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

    Earn 1% cash back on every purchase, every day

  • Rewards rate

    1.00%

  • Annual Fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    23.24% (Variable)

  • Bonus offer

    Earn 1% cash back on every purchase, every day

  • Rewards rate

    1.00%

  • Annual Fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    23.24% (Variable)

  • Enjoy no annual fee

  • Earn 1% cash back on every purchase, every day

  • Build business credit with responsible use

  • Fraud coverage if your card is ever lost or stolen

  • No foreign transaction fees

  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

Read More
Best for Business Cash Rewards

Capital One® Spark® Cash for Business

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

    Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months

  • Rewards rate

    2.00%

  • Annual Fee

    $0 intro for first year; $59 after that

  • Intro APR

    N/A

  • Ongoing APR

    17.24% (Variable)

  • Bonus offer

    Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months

  • Rewards rate

    2.00%

  • Annual Fee

    $0 intro for first year; $59 after that

  • Intro APR

    N/A

  • Ongoing APR

    17.24% (Variable)

  • 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 the first 3 months

  • 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

Read More
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Best for Average & Fair Credit

Best for...

Credit card

Details

1.5% cash back on all purchases

Capital One® QuicksilverOne® Cash Rewards Credit Card

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

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

  • Rewards rate

    1.50%

  • Annual Fee

    $39

  • Intro APR

    0% intro on purchases for 9 months and 0% intro on balance transfers for 9 months

  • Ongoing APR

    23.24% (Variable)

  • Bonus offer

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

  • Rewards rate

    1.50%

  • Annual Fee

    $39

  • Intro APR

    0% intro on purchases for 9 months and 0% intro on balance transfers for 9 months

  • Ongoing APR

    23.24% (Variable)

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

  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017

  • 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

  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that

  • Get access to a higher credit line after making your first 5 monthly payments on time

  • Fraud coverage if your card is ever lost or stolen

Read More
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

  • 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

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine

  • $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

Read More
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Best Credit Cards for Building & Rebuilding Credit

Best for...

Credit card

Details

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)

  • Bonus offer

    None

  • Rewards rate

    0.00%

  • Annual Fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    24.99% (Variable)

  • 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

Read More
Start building your credit

Citi Secured MasterCard

Apply Nowon Citibank’s secure website.
  • Bonus offer

    None

  • Rewards rate

    0.00%

  • Annual Fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    22.24% Variable

  • Bonus offer

    None

  • Rewards rate

    0.00%

  • Annual Fee

    $0

  • Intro APR

    N/A

  • Ongoing APR

    22.24% Variable

  • Start building credit for tomorrow

  • A security deposit is required for this product (minimum $200)

  • Unlike a prepaid card, it helps build credit history, with monthly notifications to the credit bureaus

  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.

  • Use the card anywhere MasterCard® is accepted — worldwide

Read More
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Best College Student Credit Card Offers

Best for...

Credit card

Details

2X Rewards on dining and entertainment

Citi ThankYou® Preferred Card for College Students

Apply Nowon Citibank’s secure website.
  • 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

  • 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

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

  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.

  • 1 ThankYou® Point on other purchases.

  • Points do not expire and earn unlimited Thank You Points with this card

  • 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*

Read More
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