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Best Credit Cards of 2016

Selecting the best credit card is a highly individualized process - everyone's spending habits will make one card better than another. In creating the following list, we examined each card's value proposition by studying their rewards rates, APRs, annual fees, bonuses, perks, and more. A true comparison is best made between cards that fit into their individual. As a result, the list below is organized into groups that provide the highest value to individuals seeking the best:

Best Rewards Credit Cards

Chase Sapphire Preferred® Card
Annual Fee $0 Intro Annual Fee for the first year then $95
Rewards 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases

The Chase Sapphire Preferred® Card is one of the best rewards credit cards to keep in your wallet, due to its fantastic rewards program, high rewards rates, and fantastic welcome bonus. Using this card to pay for dining and travel purchases leads to rewards rates as high as 2.5%. The Chase Sapphire Preferred® is part of the Ultimate Rewards (UR) family of cards. Every dollar you spend using it earns you UR points which carry a value of approximately $0.0125 each. Additionally, you can transfer your UR points to a number of partner programs, including Southwest Airlines Rapid Rewards® and United MileagePlus®.

The Starwood Preferred Guest® Credit Card from American Express
Annual Fee $0 Intro Annual Fee for the first year then $95
Rewards 2.2%+ Rewards Rate
Image of The Starwood Preferred Guest® Credit Card from American Express

The Starwood Preferred Guest Credit Card offers great travel rewards redeemable for free stays at Starwood properties. You can also transfer your rewards points to one of 150 airline loyalty programs, to be redeemed for free flights! The Starwood Preferred Guest card is also the only hotel credit card whose rewards rate surpasses the Barclaycard Arrival Plus on general spending. We also like the card’s 30,000 bonus Starpoints® offer, which has a value of $660 or more. After the recent Starwood-Marriott merger, however, we do not know how much longer this credit card will stick around. More details about this card's fate are sure to surface in late 2016.

Citi Double Cash Card
Annual Fee No Annual Fee
Rewards 1% back at time of purchase, plus 1% back when you pay your bill

The Citi Double Cash is one of the best cash back credit cards, earning users a 2% rewards rate on all purchases. To get the full benefit of the card, you must pay your balance off in full each month, but that’s a practice we encourage all credit card users to follow. The card was released over 2 years ago, and there is still no other offer that beats its flat rate rewards. The Citi Double Cash Card is best for long-term savings, since having no sign-up bonus makes it bad for short-term gains. Be aware that until you spend $20,000 on your Citi Double Cash, the Capital One® Quicksilver® Cash Rewards Credit Card actually provides better value you get through the $100 cash bonus.

Best Business Credit Cards

Ink Plus® Business Credit Card
Annual Fee $95
Rewards Between 1 and 5 Ultimate Rewards points per $1
Image of Ink Plus® Business Credit Card

The Chase Ink Plus Business card is great for businesses big and small who find themselves flying at least once per year. With this card you will earn Ultimate Rewards points at fantastic rates on business expenditures (such as purchases at office supply stores and hotel accommodations). The rewards earned can be redeemed for travel arrangements through Chase’s UR portal at a value of $0.0125 per point. The Chase Ink Plus Business also offers one of the top bonuses out of all business credit cards – 60,000 Ultimate Rewards points, worth up to $750 when used for travel bookings through Ultimate Rewards.

Starwood Preferred Guest® Business Credit Card
Annual Fee $0 Intro Annual Fee for the first year then $95
Rewards 2.2%+ Rewards Rate
Image of Starwood Preferred Guest® Business Credit Card

All spending you do with this card can be redeemed back for free flights and free hotel stays – depending on how your spending is distributed, rewards rates can range between 2.2% and 4.4%. On top of this, the card offers a fantastic signup bonus worth up to $660, provided you spend at least $5,000 within the first 3 months of opening the account. Unlike other cards on this list, the SPG Business credit card will provide decent rewards across all of your business’ spending needs – if your business doesn't have only “classic” small business expenses (such as office supplies).

Capital One® Spark® Cash Select for Business
Annual Fee No Annual Fee
Rewards 1.5% cash back on all business purchases
Image of Capital One® Spark® Cash Select for Business

The Capital One® Spark® Cash Select for Business is made for businesses looking for pure Cash Back on all spending their. Not every business spends on hotel, travel, pens and paper. For those who have a variety of expenses, and want a card that simply gives them cash back, the Capital One® Spark® Cash Select for Business is the way to go. With this card you receive 1.5% back on every purchase, plus a $100 bonus if you spend at least $3,000 within the first 3 months of your account opening. This card also comes with no annual fee, making it ideal for businesses that don’t spend more than $12,000 a month.

Best Balance Transfer Credit Cards

Chase Slate®
Annual Fee No Annual Fee
Highlight Introductory offer of no fees on balances transferred within first 60 days; after that $5 or 3% of the amount of each transfer, whichever is greater
Image of Chase Slate®

The thing that separates the Chase Slate® from the rest of the pack is the 0% balance transfer fee, making it well suited for moving over large balances. While other cards on the market charge 3% for every balance transfer, with the Chase Slate you can save yourself the extra cash and use it to pay down your outstanding balance even faster. The Chase Slate® Credit Card gives users 0% APR on balance transfers for the first 15 months an account is open.  Plus, this card has recently started offering free credit score reports, giving you ideal tools to build up your FICO score.

Citi® Simplicity® Card
Annual Fee No Annual Fee
Highlight 21 Months of 0% APR on balance transfers

The Citi Simplicity card offers users 21 months of 0% APR on balance transfers – that’s the longest time available of any credit card on the market. If you opt for this card you have up to 4 months to transfer a balance over. The 18 month period begins after you make your first transfer. The card also forgives users on the first late payment they make, making it perfect for anyone who might have trouble paying a balance when it’s due.

Ink Cash® Business Credit Card
Annual Fee No Annual Fee
Rewards Between 1% and 5% cash back
Image of Ink Cash® Business Credit Card

If you find that your business needs to transfer a balance in order to avoid interest payments, the Ink Cash® Business Credit Card is one of the best credit cards for you. It offers 0% intro APR on balance transfers for the first 12 billing cycles, and a 3% fee on all balances transferred. Additionally, what makes this the best credit card for businesses in need of balance transfers is the fact that it has no annual fee. If you are carrying a balance and worrying about saving costs, you don’t want your credit card to become an additional expense. Plus, once your balance is paid off, you’re left with a great cash back credit card for your business, which can give you up to 5% off certain purchases.

Best Student Credit Card

The Journey® Student Rewards from Capital One® is great for students for a number of reasons - including decent rewards, and great credit tools. The card offers a flat 1.25% rewards rate on all purchases, as long as you remember to pay your bills on time (if you're late, you earn just 1% back). The Journey® credit card also gives students access to their FICO score, through the Capital One® Credit Tracker. This tool allows cardholders to monitor their credit, see what factors are impacting it, as well as run simulations to see how an action might affect their score. This is particularly valuable to students who are just now beginning to learn about credit histories.

Discover it® for Students gives 5% off on certain categories of spending that change throughout the year, up to a quarterly maximum. We recommend checking out the card's bonus category calendar to see if the categories match up with your spending patterns. If you are not making purchases in the bonus categories, this card only offers 1% back - which is not a good value. While the Discover it® for Students card doesn't have a traditional signup bonus, it makes up for it in two ways. Firstly, the card offers cash back incentives for students with good grades ($20 each year your GPA is a 3.0 or higher, for up to 5 years). Secondly, new cardmembers will have their total cash back rewards doubled at the end of their first year - this puts the Discover it® for Students above most cards, at least for that first year you hold onto it.

Citi® ThankYou® Preferred Credit Card for College Students
Annual Fee No Annual Fee
Rewards 2 ThankYou points for every $1 spent at restaurants or entertainment

The Citi ThankYou Preferred card is great for college students looking to earn rewards points they can later redeem for flights and gift cards though the latter offers the worst value. Cardholders have more redemption options, such as cash back and Amazon.com purchases – we recommend staying away from these options as they give your points sub-par value (<$0.01). You can also get 2,500 bonus ThankYou points after spending $500 within the first 3 months of card membership – a $20 value.

Best Hotel Credit Cards

The Starwood Preferred Guest® Credit Card from American Express
Annual Fee $0 Intro Annual Fee for the first year then $95
Rewards 2.2%+ Rewards Rate
Image of The Starwood Preferred Guest® Credit Card from American Express

As one of the top rewards cards overall, the SPG credit card gives you some of the best value on hotel stays, for an annual fee of $95 (waived the first year). On top of giving fantastic rewards for spending at hotels, the Starwood Preferred Guest credit card also has decent general spending rewards (2.2%), making it a good all-around credit card. As long as you don't mind staying loyal to the Starwood brand, this card offers some of the highest savings on hotels, of any credit card on the market.

Barclaycard Arrival Plus™ World Elite MasterCard®
Annual Fee $0 Intro Annual Fee for the first year then $89
Rewards 2x miles for each $1 spent

A lot of hotel-specific cards only provide good value as long as your spending skews towards their specific brand. With the Barclaycard Arrival Plus all your spending is rewarded equally well (a 2.1% rewards rate on travel expenses). One of the best things about the Barclaycard Arrival plus is the freedom it affords you. All the spending rewards miles you earn can be redeemed as statement credit on all travel related expenses – with this card you are never tied to a single hotel chain or brand.

Hyatt Credit Card
Annual Fee $0 Intro Annual Fee for the first year then $75
Rewards 3x points for purchases at Hyatt properties
Image of Hyatt Credit Card

Other than being rewarded for Hyatt purchases, this credit card gives 2 points for every $1 spent at restaurants, airline tickets purchased directly from the airline and at car rental agencies – expenses many travelers will face. The card’s biggest value-proposition is the signing bonus – 2 free night stays at a Hyatt property. That’s a potential $1,000 value if you book the right rooms using your bonus. Additionally, each year after that you will receive one free night at any category 1-4 hotel. This can easily cover the card’s $75 annual fee, and then some!

Best Cash Back Credit Cards

Citi Double Cash Card
Annual Fee No Annual Fee
Rewards 1% back at time of purchase, plus 1% back when you pay your bill

The Citi Double Cash offers unlimited 2% back on all purchases. This is the highest rewards rate you can get for a cash back card, without rotating categories. If you are interested in a simple to use credit card, and not want to worry about redeeming points then this is your best option. Note that to get the full 2% cash back, you must pay off your credit card balance in full each month - otherwise you will only get 1% back. Since there are no bonuses offered by the card, it will take $20,000 of spending before this card eclipses the next card on our list. 

Capital One® Quicksilver® Cash Rewards Credit Card
Annual Fee No Annual Fee
Rewards 1.5% cash back on all purchases
Image of Capital One® Quicksilver® Cash Rewards Credit Card

The best immediate cash back savings, for individuals who can spend $500 in the first 3 months their account is open. If you meet the aforementioned spending requirement you will receive $100 worth of cash back credit. Outside of this, the Capital One® Quicksilver® Cash Rewards Credit Card offers 1.5% cash back on all other purchases, which is nothing to sneeze at. There is no other credit card that offers this kind of sign-up bonus, accompanied by a fixed cash back rate as high as the Quicksilver®'s. Be sure not to confused this card with the Capital One QuicksilverOne Credit Card. The latter offers the same benefits, but comes with an annual fee.

Chase Freedom®
Annual Fee No Annual Fee
Rewards 5% categories every 3 months like Gas stations, Restaurants and Amazon.com

The Chase Freedom card gives users 5% back on certain categories throughout the year, and 1% back on everything else. If you were to take advantage of the 5% offer, the Chase Freedom gives unparalleled savings – though it is capped at $75 per quarter, or $300 per year. The Chase Freedom credit card has some of the most unique partnerships of any rotating category card. For Q2 2015, for instance, cardholders received 5% back on purchases at H&M – this was one of the only discounts available for the chain, outside of in-store sales.

Best Credit Cards for International Travel

Barclaycard Arrival Plus™ World Elite MasterCard®
Annual Fee $0 Intro Annual Fee for the first year then $89
Rewards 2x miles for each $1 spent

If you’re traveling overseas, and find yourself having to use your credit card you will be glad to have the Barclaycard Arrival Plus with you, as many places will not accept ordinary magnetic strip credit cards. Very few cards issued in the U.S. offer chip & pin EMV technology, which is used widely across Europe and the rest of the world. The Barclaycard Arrival Plus is one of the few cards that supports this tech. On top of being accepted everywhere, the card will not cost you anything extra for using it abroad. The Barclaycard Arrival Plus has no foreign exchange fee, whereas most U.S. credit cards will charge users 3% whenever using their card abroad.

Chase Sapphire Preferred® Card
Annual Fee $0 Intro Annual Fee for the first year then $95
Rewards 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases

The Chase Sapphire Preferred is an all-around great card, earning you points to one of the highest valued rewards programs around. As an added benefit, the card comes with no foreign exchange fees, and an EMV chip installed (though it of the chip & signature variety). Using this card for dining and travel expenses is a great way to earn free flights. You will get the best possible value if you book all your flights using Chase's UR portal.

BankAmericard Travel Rewards® Credit Card
Annual Fee No Annual Fee
Highlight 1.5x Points for every $1 spent

The BankAmericard Travel Rewards® Credit Card is one of the few 'no annual fee' credit cards to also not charge a foreign transaction fee. If a consumer’s spending is on the lower side of things, and they don’t feel like paying upwards of $95 for a travel rewards credit card, the Bank Americard Travel Rewards will provide the best value – especially when used abroad. As the other cards on this list, this card also sports an EMV chip (chip & signature).

Finding The Best Credit Card Specifically For You

In order to find out which credit card is truly best for the way in which you spend, you should make use of our tool below. Enter your estimated monthly spending per category, and we will do all the math for you - calculating which credit cards will yield you the highest returns.

Monthly Spend: $1,500
General:
Gas:
Groceries:
Airlines:
Hotel:
Dining:
Office:
Utilities:
Computing:
Card Annual Fee Rewards Rate Bonus Rewards Value
The Starwood Preferred Guest® Credit Card from American Express
The Starwood Preferred Guest® Credit Card from American Express Image $0 introductory annual fee for the first year, then $95 3.46% $550 $1,247
Graph Card Read Review More Details
Annual Fee $0 introductory annual fee for the first year, then $95
APR 15.49%-19.49% Variable
Card Details
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • New: No Foreign Transaction Fees on international purchases.
  • New: Receive free in-room, premium internet access. Booking requirements apply.
  • New: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply.

Estimated Rewards Through 24 Months

Card Rewards Dollars*
Spending Rewards 36,000 792
Bonuses
25,000 550
Less Annual Fees 95
Total 61,000 1,247
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card Image Introductory Annual Fee of $0 the first year, then $95 3.14% $625 $1,130
Apply Now Graph Card Read Review More Details
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APR 16.24%-23.24% Variable
Card Details
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in 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 & 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
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

Estimated Rewards Through 24 Months

Card Rewards Dollars*
Spending Rewards 48,000 600
Bonuses
50,000 625
Less Annual Fees 95
Total 98,000 1,130
Hyatt Credit Card
Hyatt Credit Card Image $0 Intro Annual Fee for the first year then $75 3.10% $350 $1,115
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $75
APR 15.99%
Card Details
  • Earn 2 free nights after spending $1,000 within the first 3 months
  • 3 points for every $1 spent on Hyatt purchases
  • 2 points for every $1 spent at restaurants and airline tickets purchased directly from the airline and at car rental agencies
  • 1 point for every $1 spent otherwise
  • No foreign transaction fees
  • One free night every year on your cardmember anniversary. Receive 2 stay credit and 5 night credits toward DIamond status upon spending $20,000 in each calendar year
  • Receive an additional 3 stay credits and 5 night credits toward Diamond status upon spending $40,000 in each calendar year
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 48,000 840
    Bonuses
    0 350
    Less Annual Fees 75
    Total 48,000 1,115
    Capital One® Venture® Rewards Credit Card
    Capital One® Venture® Rewards Credit Card Image $0 Intro Annual Fee for the first year then $59 2.95% $400 $1,061
    Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $59
    APR 12.9%, 17.9% or 22.9% Variable
    Card Details
  • Receive 40,000 miles once you spend $3,000 within the first 3 months
  • 2 miles for every $1 spent
  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 72,000 720
    Bonuses
    40,000 400
    Less Annual Fees 59
    Total 112,000 1,061
    ThankYou® Premier Credit Card
    ThankYou® Premier Credit Card Image $0 Intro Annual Fee for the first year then $95 2.88% $500 $1,035
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $95
    APR 13.99%, 17.99% or 22.99% Variable
    Card Details
  • Earn 50,000 bonus ThankYou points after you spend $3,000 in the first 3 months - redeemable for $500 in gift cards, $625 for airfare
  • Earn 3 ThankYou Points for every dollar spent on travel purchases, including gas
  • Earn 2 ThankYou Points for every $1 spent dining out or on entertainment
  • Earn 1 ThankYou Point for each dollar spent elsewhere
  • No foreign transaction fees
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 50,400 630
    Bonuses
    0 500
    Less Annual Fees 95
    Total 50,400 1,035
    Southwest Airlines Rapid Rewards® Plus Card
    Southwest Airlines Rapid Rewards® Plus Card Image $69 2.75% $476 $991
    Graph Card More Details
    Annual Fee $69
    APR 15.99%
    Card Details
  • Earn 25,000 bonus points after spending $1,000 in first 3 months of opening your account
  • 2 points for every $1 spent on Southwest Airlines purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise
  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward Seats
  • No blackout dates on flights or expiration of points accumulated
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 653
    Bonuses
    25,000 425
    3,000 51
    Less Annual Fees 138
    Total 66,400 991
    Southwest Airlines Rapid Rewards® Premier Credit Card
    Southwest Airlines Rapid Rewards® Premier Credit Card Image $99 2.73% $527 $982
    Apply Now Graph Card More Details
    Annual Fee $99
    APR 16.24% Variable
    Card Details
    • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months your account is open
    • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
    • Chip-enabled cards with 24/7 fraud monitoring
    • Points Don't Expire, No Blackout Dates, Bags Fly Free®
    • 6,000 points after your Cardmember Anniversary
    • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
    • 1 point/$1 spent on all other purchases

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 653
    Bonuses
    25,000 425
    6,000 102
    Less Annual Fees 198
    Total 69,400 982
    Marriott Rewards® Premier Credit Card
    Marriott Rewards® Premier Credit Card Image $0 Introductory annual fee, then $85 2.50% $600 $899
    Apply Now Graph Card More Details
    Annual Fee $0 Introductory annual fee, then $85
    APR 16.24% Variable
    Card Details
    • Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
    • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
    • For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
    • The fastest way to earn Marriott Rewards points towards free nights
    • No limit to how many points you can earn
    • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
    • $0 Introductory annual fee, then $85

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 48,000 384
    Bonuses
    50,000 400
    200
    Less Annual Fees 85
    Total 98,000 899
    Citi® Hilton HHonors™ Reserve Card
    Citi® Hilton HHonors™ Reserve Card Image $95 2.43% $500 $874
    Apply Now Graph Card Read Review More Details
    Annual Fee $95
    APR 15.24%
    Card Details
  • Earn 2 weekend nights after spending $2,500 in the first four months
  • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise
  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 112,800 564
    Bonuses
    0 500
    Less Annual Fees 190
    Total 112,800 874
    Marriott Rewards® Credit Card
    Marriott Rewards® Credit Card Image $0 Intro Annual Fee for the first year then $45 2.29% $580 $823
    Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 15.99%
    Card Details
  • Earn 30,000 bonus points after you spend $1,000 in your first 3 months
  • 2 free nights (at category 1 - 4 hotels)
  • 3 points for every $1 spent at Marriott locations
  • 1 point for every $1 spent otherwise
  • One free Elite Night for every $3,000 spent on Marriott card
  • Unlimited points accumulation
  • Several types of purchase and travel protection features
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 36,000 288
    Bonuses
    0 340
    30,000 240
    Less Annual Fees 45
    Total 66,000 823
    Fairmont Visa Signature® Credit Card
    Fairmont Visa Signature® Credit Card Image $0 Intro Annual Fee for the first year then $95 2.19% $500 $789
    Graph Card More Details
    Annual Fee $0 Intro Annual Fee for the first year then $95
    APR 15.99%
    Card Details
  • Enjoy 2 complimentary nights with breakfast for 2 after you spend $3,000 within the first 3 months of account opening
  • 5 points for every $1 spent on Fairmont purchases
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent otherwise
  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 384
    Bonuses
    0 500
    Less Annual Fees 95
    Total 38,400 789
    BankAmericard Travel Rewards® Credit Card
    BankAmericard Travel Rewards® Credit Card Image $0 2.06% $200 $740
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 15.24% - 23.24% Variable APR on purchases and balance transfers
    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
    • 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% or more. Click "Apply Now" to learn more about Preferred Rewards.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 54,000 540
    Bonuses
    20,000 200
    Total 74,000 740
    United MileagePlus® Explorer Card
    United MileagePlus® Explorer Card Image $0 intro annual fee for the first year, then $95 2.02% $360 $726
    Apply Now Graph Card More Details
    Annual Fee $0 intro annual fee for the first year, then $95
    APR 16.24% Variable
    Card Details
    • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
    • Check your first bag for free - save up to $100 per roundtrip
    • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
    • No foreign transaction fees
    • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
    • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn
    • Use your miles for any seat, any time, on any United flight
    • $0 intro annual fee for the first year, then $95

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 461
    Bonuses
    30,000 360
    Less Annual Fees 95
    Total 68,400 726
    British Airways Visa Signature® Card
    British Airways Visa Signature® Card Image $95 1.99% $500 $718
    Graph Card More Details
    Annual Fee $95
    APR 15.99% Variable
    Card Details
    • 50,000 bonus Avios after you spend $2,000 on purchases within the first 3 months of account opening.
    • Plus earn an additional 25,000 bonus Avios when you spend $10,000 on purchases for a total of 75,000 bonus Avios.
    • Plus earn another 25,000 bonus Avios when you spend a total of $20,000 on purchases within your first year for a total of 100,000 bonus Avios.
    • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
    • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
    • Pay no foreign transaction fees when you travel abroad.
    • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 40,800 408
    Bonuses
    50,000 500
    Less Annual Fees 190
    Total 90,800 718
    Capital One® VentureOne® Rewards Credit Card
    Capital One® VentureOne® Rewards Credit Card Image No Annual Fee 1.81% $200 $650
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 11.99%, 16.9% or 21.9% Variable
    Card Details
  • Receive 20,000 miles once you spend $1,000 within the first 3 months
  • 1.25 miles for every $1 spent
  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 45,000 450
    Bonuses
    20,000 200
    Total 65,000 650
    Capital One® Quicksilver® Cash Rewards Credit Card
    Capital One® Quicksilver® Cash Rewards Credit Card Image No Annual Fee 1.78% $100 $640
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 12.99%, 17.9% or 22.9% Variable
    Card Details
  • Get $100 bonus after spending $500 within the first 3 months
  • Earn 1.5% cash back on all purchases
  • No limits to earnings, no minimums for redemption, and no intermittent sign-ups for rotating categories
  • Cash back doesn't expire
  • Redeem cash back you earn for any amount whenever you want
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 540 540
    Bonuses
    0 100
    Total 540 640
    Wells Fargo Propel World American Express®
    Wells Fargo Propel World American Express® Image $0 Intro Annual Fee for the first year then $175 1.76% $400 $633
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $175
    APR 13.99% - 21.99% Variable
    Card Details
  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months
  • 3 points for every $1 spent at Airliness
  • 2 points for every $1 spent at Hotels
  • 1 point per dollar on other purchases
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 40,800 408
    Bonuses
    40,000 400
    Less Annual Fees 175
    Total 80,800 633
    Wells Fargo Propel 365 American Express®
    Wells Fargo Propel 365 American Express® Image $0 Intro Annual Fee for the first year then $45 1.70% $200 $611
    Apply Now Graph Card Read Review More Details
    Annual Fee $0 Intro Annual Fee for the first year then $45
    APR 13.99% - 21.99% Variable
    Card Details
  • Earn 20,000 bonus points after you spend $3,000 in the first 3 months
  • 3 points for every $1 spent at US Gas Stations
  • 2 points for every $1 spent at US Restaurants
  • 1 point per dollar on other purchases
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 45,600 456
    Bonuses
    20,000 200
    Less Annual Fees 45
    Total 65,600 611
    PlayStation® Card from Capital One®
    PlayStation® Card from Capital One® Image No Annual Fee 1.67% $50 $602
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 13.9%, 16.9% or 24.9% Variable
    Card Details
  • Earn 5,000 bonus points after your first purchase
  • Earn 10 points for every $1 spent on PlayStation Network purchases
  • Earn 3 points for every $1 spent on all Sony and Playstation purchases at Sony stores and Sony.com
  • Earn 3points for every $1 spent at quick service restaurants, movie theatres, and on your mobile phone bill
  • Earn 1 point on all other purchases
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 55,200 552
    Bonuses
    5,000 50
    Total 60,200 602
    IHG® Rewards Club Select Credit Card
    IHG® Rewards Club Select Credit Card Image $0 introductory annual fee the first year, then $49 1.62% $360 $585
    Graph Card More Details
    Annual Fee $0 introductory annual fee the first year, then $49
    APR 15.99% Variable
    Card Details
    • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
    • Enjoy a free night each year of card membership at over 4,900 hotels worldwide
    • Earn 5 points for each $1 spent at our hotels
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
    • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
    • Automatic platinum elite status, as long as you remain a cardmember
    • $0 introductory annual fee the first year, then $49

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 45,600 274
    Bonuses
    60,000 360
    Less Annual Fees 49
    Total 105,600 585
    Citi® Hilton HHonors™ Visa Signature Card
    Citi® Hilton HHonors™ Visa Signature Card Image No Annual Fee 1.56% $200 $560
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 14.24%
    Card Details
  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 72,000 360
    Bonuses
    40,000 200
    Total 112,000 560
    Ritz-Carlton Rewards Credit Card
    Ritz-Carlton Rewards Credit Card Image $395 1.52% $930 $547
    Graph Card More Details
    Annual Fee $395
    APR 15.99%
    Card Details
  • Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise
  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 407
    Bonuses
    0 930
    Less Annual Fees 790
    Total 38,400 547
    Discover it® Miles-Double Miles your first year
    Discover it® Miles-Double Miles your first year Image $0 1.50% $0 $540
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*
    Card Details
    • We'll DOUBLE all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll double it to 40,000 Miles - Automatically. Only for new cardmembers.*
    • No annual fee* & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR* on purchases for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%.
    • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.*
    • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
    • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • Free overnight shipping of replacement cards to any U.S. street address at your request.* And you're never responsible for unauthorized purchases on your Discover card.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 54,000 540
    Total 54,000 540
    AAdvantage® Aviator™ Red MasterCard®
    AAdvantage® Aviator™ Red MasterCard®  Image $89 1.32% $0 $475
    Apply Now Graph Card Read Review More Details
    Annual Fee $89
    APR 15.99%, 19.99% or 24.99% Variable
    Card Details
  • 2X miles for every dollar spent on eligible US Airways and American Airlines purchases. 1x mile for every 1 dollar spent on all other purchases.
  • 1 Free Checked Bag
  • Whenever you redeem, you’ll receive 10% of your redeemed miles back
  • Priority boarding
  • No Foreign Transaction Fees
  • 25% in-flight savings on food, beverages, and headsets on US Airways and AA operated flights
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 653
    Less Annual Fees 178
    Total 38,400 475
    Premier Rewards Gold Card from American Express
    Premier Rewards Gold Card from American Express Image Introductory annual fee of $0 for the first year, then $195 1.29% $250 $463
    Graph Card More Details
    Annual Fee Introductory annual fee of $0 for the first year, then $195
    APR N/A
    Card Details
    • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
    • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
    • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
    • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
    • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges, plus a room upgrade at check-in if it's available, when you book a stay of at least two consecutive nights.
    • There is a $0 introductory annual fee for the first year, then $195.
    • Terms and limitations apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 40,800 408
    Bonuses
    25,000 250
    0 0
    Less Annual Fees 195
    Total 65,800 463
    Capital One QuicksilverOne Credit Card
    Capital One QuicksilverOne Credit Card Image $39 1.28% $0 $462
    Graph Card More Details
    Annual Fee $39
    APR 22.99%
    Card Details
  • Earn 1.5% cash back on all purchases
  • No limits to earnings, no minimums for redemption, and no intermittent sign-ups for rotating categories
  • Access to a higher credit line after making first 5 monthly payments on time
  • No limits to cash back earning ability
  • Cash back doesn't expire
  • Redeem cash back for any amount whenever you want
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 540 540
    Less Annual Fees 78
    Total 540 462
    Disney Rewards Visa® Credit Card
    Disney Rewards Visa® Credit Card Image No Annual Fee 1.14% $50 $410
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 15.99%
    Card Details
  • Earn a $50 statement credit after first purchase
  • 1% in Disney Dream Reward Dollars® for every $1 spent
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Bonuses
    0 50
    Total 360 410
    National Geographic Platinum Edition® Visa®
    National Geographic Platinum Edition® Visa® Image No Annual Fee 1.14% $50 $410
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 15.99% - 22.99% Variable
    Card Details
  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 36,000 360
    Bonuses
    5,000 50
    Total 41,000 410
    Expedia®+ Voyager Card from Citi
    Expedia®+ Voyager Card from Citi Image $95 1.01% $178 $362
    Apply Now Graph Card More Details
    Annual Fee $95
    APR 13.99%, 15.99% or 21.99% Variable
    Card Details
  • Earn 25,000 Expedia+ rewards bonus points after you spend $2,000 on purchases in the first 3 months of account opening
  • Earn 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ gold status
  • No FX Fee
  • $100 annual statement credit for airline incidentals on qualified airlines or Wi–Fi Carries or for the Global Entry application fee
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 52,800 375
    Bonuses
    25,000 178
    Less Annual Fees 190
    Total 77,800 362
    Disney Premier Visa® Credit Card
    Disney Premier Visa® Credit Card Image $49 1.01% $100 $362
    Graph Card More Details
    Annual Fee $49
    APR 15.99%
    Card Details
  • Earn $100 Disney gift card after spending $500 in the first three months
  • 2% in Disney Dream Reward Dollars® for every $1 spent at gas stations, grocery stores, restaurants, and Disney locations
  • 1% in Disney Dream Dollars® for every $1 spent otherwise
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Bonuses
    0 100
    Less Annual Fees 98
    Total 360 362
    NHL® Discover it® card- Double Cash Back your first year
    NHL® Discover it® card- Double Cash Back your first year Image No Annual Fee 1.00% $0 $360
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 11.24% - 23.24% Variable
    Card Details
  • Choose your favorite team & show your pride! Plus get 10% off at Shop.NHL.com and NHL GameCenter LIVE ™.*
  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up* 1% cash back on all other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 11.24% – 23.24%. A 3% fee applies to each transferred balance.
  • Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information. ©NHL
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 36,000 360
    Total 36,000 360
    Discover it® Chrome- Double Cash Back your first year
    Discover it® Chrome- Double Cash Back your first year Image $0 1.00% $0 $360
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*
    Card Details
    • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202--Automatically. Only for new cardmembers.*
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed.* 1% cash back on all your other purchases.
    • 0% intro APR* on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
    • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Total 360 360
    Journey® Student Rewards from Capital One®
    Journey® Student Rewards from Capital One® Image No Annual Fee 1.00% $0 $360
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 19.8%
    Card Details
  • Earn 1% cash back on all purchases
  • Earn an additional 25% bonus on the cash back you've earned every month you pay on time
  • Earn unlimited cash back
  • Cash back doesn't expire
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Total 360 360
    Discover it®- Double Cash Back your first year
    Discover it®- Double Cash Back your first year Image $0 1.00% $0 $360
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 11.24% - 23.24% Variable*
    Card Details
    • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202--Automatically. Only for new cardmembers.*
    • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
    • 0% intro APR* on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
    • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Total 360 360
    Discover it® Secured Credit Card
    Discover it® Secured Credit Card Image No Annual Fee 1.00% $0 $360
    Apply Now Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 23.24%
    Card Details
  • 1% cash back on every purchase
  • 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter
  • Reports to all 3 major credit bureaus
  • At the end of your first year, we'll add up ALL the cash back you've earned and DOUBLE it! So if you earn $25, we'll double it to $50
  • Get your FICO ® Credit Score for free on your monthly statement or when you log in to your account
  • No Annual Fee
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Total 360 360
    Discover it® for Students- Good Grades Rewards
    Discover it® for Students- Good Grades Rewards Image $0 1.00% $0 $360
    Apply Now Graph Card Read Review More Details
    Annual Fee $0
    APR 13.24% - 22.24% Variable*
    Card Details
    • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202--Automatically. Only for new cardmembers.*
    • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 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 overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
    • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 360 360
    Total 360 360
    Celebrity Cruises® Visa Signature® Credit Card
    Celebrity Cruises® Visa Signature® Credit Card Image $69 0.89% $100 $322
    Apply Now Graph Card More Details
    Annual Fee $69
    APR 12.99% to 22.99% Variable
    Card Details
  • 2 MyCruise Points per $1 on qualifying Celebrity, Royal Caribbean and Azamara purchases
  • 1 point per $1 on all other purchases
  • No foreign transaction fees for non-US transactions
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 36,000 360
    Bonuses
    10,000 100
    Less Annual Fees 138
    Total 46,000 322
    AAdvantage® Aviator™ Silver World Elite MasterCard®
    AAdvantage® Aviator™ Silver World Elite MasterCard®  Image $195 0.84% $0 $304
    Apply Now Graph Card Read Review More Details
    Annual Fee $195
    APR 15.99%, 19.99% or 124.99% Variable
    Card Details
  • 3X miles for every dollar spent on eligible US Airways and American Airlines purchases. Earn 2X miles for every dollar spent on eligible hotels and car rentals. 1x mile for every 1 dollar spent on all other purchases.
  • Apply for Global Entry with TSA Pre_™ and, upon approval, experience expedited, more efficient security screenings, moving you smoothly through U.S. customs when returning from traveling abroad.
  • Pay for the $100 Global Entry application fee with your card and you’ll automatically receive a $100 statement credit 2-3 weeks after your transaction.
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 40,800 694
    Less Annual Fees 390
    Total 40,800 304
    Visa Black Card
    Visa Black Card Image $495 0.64% $500 $230
    Apply Now Graph Card More Details
    Annual Fee $495
    APR 14.99% Variable
    Card Details
  • Earn 25,000 bonus points after spending $1,500 in first 90 days
  • 1x points for every $1 you spend
  • Membership to Lounge Club, which gives access to airport lounges worldwide
  • Luxury gift items
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 36,000 720
    Bonuses
    25,000 500
    Less Annual Fees 990
    Total 61,000 230
    Citi Prestige® Card
    Citi Prestige® Card Image $450 0.29% $500 $104
    Apply Now Graph Card Read Review More Details
    Annual Fee $450
    APR 15.24%
    Card Details
  • Earn 50,000 bonus ThankYou points after you spend $3000
  • Earn 3 points on Air Travel and Hotels, 2 points for every $1 you spend on dining and entertainment
  • 1 point per $1 elsewhere
  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 50,400 504
    Bonuses
    50,000 500
    Less Annual Fees 900
    Total 100,400 104
    Capital One® Platinum Prestige Credit Card
    Capital One® Platinum Prestige Credit Card Image No Annual Fee 0.00% $0 $0
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 10.9%, 14.9% or 18.9% Variable
    Card Details
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    US Bank College Visa® Card
    US Bank College Visa® Card Image No Annual Fee 0.00% $0 $0
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 11.99% - 20.99% Variable
    Card Details

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    US Bank Visa® Platinum Card
    US Bank Visa® Platinum Card Image No Annual Fee 0.00% $0 $0
    Apply Now Graph Card More Details
    Annual Fee No Annual Fee
    APR 9.99% - 20.99% Variable
    Card Details
  • Zero fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    Barclaycard Ring MasterCard®
    Barclaycard Ring MasterCard® Image $0 0.00% $0 $0
    Apply Now Graph Card More Details
    Annual Fee $0
    APR 8.25%* Variable
    Card Details
    • 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.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    Capital One® Platinum Credit Card
    Capital One® Platinum Credit Card Image No Annual Fee 0.00% $0 $0
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 24.9%
    Card Details
  • Access to higher credit line after making your first 5 monthly payments
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Total 0 0
    United MileagePlus® Club Card
    United MileagePlus® Club Card Image $450 -0.08% $100 $-27
    Graph Card More Details
    Annual Fee $450
    APR 15.99%
    Card Details
  • Receive a $100 statement credit after your first purchase
  • United Club membership
  • 1st and 2nd checked bags are free
  • Priority check-in, screening, and boarding
  • No foreign transaction fees
  • 2 points for every $1 spent on United Airlines tickets
  • 1.5 points for every $1 spent otherwise
  • United Club membership
  • First and second bags are checkable for free
  • No foreign transaction fee
  • Miles don't expire
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 55,200 773
    Bonuses
    0 100
    Less Annual Fees 900
    Total 55,200 -27
    Capital One Secured MasterCard
    Capital One Secured MasterCard Image $29 -0.16% $0 $-58
    Graph Card More Details
    Annual Fee $29
    APR 22.9%
    Card Details
  • You're covered by $0 Fraud Liability if your car is ever lost or stolen.
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Less Annual Fees 58
    Total 0 -58
    Capital One® Classic Platinum Credit Card
    Capital One® Classic Platinum Credit Card Image $39 -0.22% $0 $-78
    Graph Card More Details
    Annual Fee $39
    APR 22.9%
    Card Details
  • $0 fraud liability if card is stolen
  • Travel and emergency assistance
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 0 0
    Less Annual Fees 78
    Total 0 -78
    Platinum Card® from American Express
    Platinum Card® from American Express Image $450 -0.39% $400 $-140
    Graph Card Read Review More Details
    Annual Fee $450
    APR N/A
    Card Details
    • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
    • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
    • There are no foreign transaction fees with your Platinum Card.
    • New! Enroll to enjoy the benefits of complimentary Hilton HHonors Gold Status.
    • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
    • No interest charges because you pay your balance in full each month.
    • Terms and limitations apply.

    Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 36,000 360
    Bonuses
    40,000 400
    Less Annual Fees 900
    Total 76,000 -140
    Citi Executive / AAdvantage World Elite MasterCard
    Citi Executive / AAdvantage World Elite MasterCard Image $450 -1.06% $0 $-382
    Apply Now Graph Card Read Review More Details
    Annual Fee $450
    APR 15.24%
    Card Details
  • Earn 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases the first 3 months
  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • Admirals Club membership for you and your immediate family
  • No foreign transaction fees
  • First checked bag is free for you and your companions
  • Priority check-in, screening, and boarding
  • Receive a 25% savings on eligible in-flight purchases
  • No annual mileage cap
  • Estimated Rewards Through 24 Months

    Card Rewards Dollars*
    Spending Rewards 38,400 518
    Less Annual Fees 900
    Total 38,400 -382

    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.