Best Credit Cards
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Advertiser Disclosure
Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Best Credit Card Deals 2017: What Are The Top Promotions Available This Month?

Shopping for the best credit card deals can be a laborious task, especially given how many different banks and cards are currently out there. To help you shortcut this process, our team searched through hundreds of cards and hand-picked some of the top offers available to consumers at the moment. Some of these cards will give you tremendous short-term value through welcome bonuses while others are designed to save you more money over a long-term. Look through our categories below to find the credit card deal that best fits the type of benefits you're looking for.

Table of Contents

ValuePenguin's Top Credit Card Deals 2017

We categorized each of the best credit card deals into different buckets that can help in your search for the right card. Here are our picks:

Best Credit Card Deal for February 2017: Discover it® ­- Cashback Match™

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

On its own, the Discover it® ­- Cashback Match™ is a fantastic rewards card. It provides a 5% cash back rate in categories that change each quarter, up to the quarterly maximum when you sign up. That is a higher rewards rate that you can get with most other credit cards. The card's special offer makes this even better. During your first 12 months, you will be effectively earning anywhere between a 2% and 10% rewards rate on all your purchases. From April through June 2017 Discover's 5% category includes home improvement stores and wholesale clubs.

Other Highlights

  • No annual fee
  • No foreign transaction fees
  • 5% cash back in categories that change each quarter, up to the quarterly maximum

Best Travel Credit Card Deal: Chase Sapphire Reserve℠

Special Offer: $300 annual travel credit.

The Chase Sapphire Reserve℠ is currently one of the absolute best travel credit cards around. As of 2017, no other credit card throws as many perks at its users as this one. First of, as noted in the special offer, users get a $300 annual travel credit that can be used towards things like airfare, cab rides, hotels or any other purchases associated with travel. This credit helps offset the card's high annual fee of $450 annual. Additionally, as a cardmember you receive access to Priority Pass airport lounges, and a TSA Pre/Global Entry fee waiver. Together, these benefits are worth hundreds of dollars. To top it all off, users get a 4.5% rewards rate on travel and dining, which is a higher reward than most credit cards can provide.

Highlights

  • $450 Annual Fee
  • 4.5% rewards rate on travel, dining out; 1.5% rewards rate on all other purchases
  • 50,000 bonus points available if you manage to spend at least $4,000 on purchases within the first 3 months of card membership

Best Combo Deal: Chase Sapphire Preferred® Card + Chase Freedom®

Special Offer: Both cards offer Ultimate Rewards points that can be pooled together, which increases their value.

Both the Chase Sapphire Preferred® Card and the Chase Freedom® offer enough benefits that each could qualify for this list on their own. When combined, however, they become even more powerful. What allows these cards to work in tandem is the fact that both accumulate the same rewards currency -- Chase Ultimate Rewards (UR). These points are ordinarily worth $0.01 each. However, when you get a tier 2 Chase credit card, like the Chase Sapphire Preferred® Card, you gain the ability to use them from travel bookings, which increases the value to $0.0125. That, in turn, boosts the rewards rate on the Chase Freedom® well past its 5%/1% caps. You may also transfer your UR points to participating hotel and airline partners that have the potential to increase their value even further.

Highlights

  • Annual Fee on the Chase Freedom®:$0
  • Chase Freedom® Rewards: 5 UR points per dollar on up to $1,500 in combined purchases in bonus categories each quarter you activate; 1 point per $1 everywhere else
  • Annual Fee on the Chase Sapphire Preferred® Card: $0 Intro for the First Year. Then $95
  • Chase Sapphire Preferred® Card Rewards: 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases

Best Credit Card Deal for Students: Discover it® for Students

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

The Discover it® ­- Cashback Match™ is one of the best credit card deals, so it only makes sense its student counterpart also makes the list. The Discover it® for Students is a lot like its non-student version. Cardholders earn 5% cash back cash back in categories that change each quarter, up to a quarterly maximum. New cardmembers also have their cash back doubled at the end of their first year. The Discover it® for Students is also currently running some student-specific promotions. Users can get $20 cash back each school year their GPA is 3.0 or higher for up to the next 5 years. Also, you won't pay a late fee on your first late payment. This can be great for a student who is just starting out and getting used to managing a credit card.

Highlights

  • 5% cash back cash back in categories that change each quarter, up to a quarterly maximum, when you sign up
  • No annual fee
  • $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years

Best Credit Card Deal for Small Businesses: Ink Business Preferred℠ Credit Card

Special Offer: 80,000 Ultimate Rewards points after you spend at least $5,000 within your first 3 months of card membership.

The Ink Business Preferred℠ Credit Card has one of the best sign-up bonuses currently available, which is a cherry on top of a already fantastic small business credit card. Those who use the card to make $5,000 in purchases within their first 3 months of card membership may receive 80,000 Ultimate Rewards points. We estimate the value of this award to be roughly around $1,000 in travel bookings. Outside of the bonus, this card offers a solid rewards rate of 3.75% on select purchases and doesn't charge its users any foreign transaction fees when used abroad.

Highlights

  • 80,000 bonus points after spending $5,000 on purchases in the first 3 months after account opening (Estimated Value: $750)
  • $95 annual fee
  • Points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards travel portal
  • 3x points on the first $150,000 combined spending on travel, shipping, advertising through search engines and social media sites, and internet/cable/phone services.

Best Credit Card Deal for Balance Transfers: Chase Slate®

Special Offer: $0 Intro Fee on Transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

The Chase Slate® is one of the top balance transfer credit cards on the market right now because of its fantastic intro offer. The card has a $0 intro fee on balance transfers made within 60 days of account opening. Most other credit cards will charge their users anywhere between 3% and 5% for carrying out a transfer. On top of that, the Chase Slate® provides its users 0% APR on balance transfers for the first 15 months of card membership, allowing you to tackle your outstanding debts, interest free, for well over a year.

Highlights

  • $0 Intro Fee on Transfers made within 60 days of account opening
  • 0% Intro APR on balance transfers and purchases for the first 15 billing cycles that your Account is open
  • 15.99% to 24.74% APR (variable) after that

Best Credit Card Deal for Online Shoppers: Amazon Prime Rewards Visa Signature Card

Image of Amazon Prime Rewards Visa Signature Card

Special Offer: Unlimited 5% back on all Amazon.com purchases.

Amazon and Chase recently rolled out the Amazon Prime Rewards Visa Signature Card and it's currently one of the best ways to shop for things through the online giant. If you are someone who has Amazon Prime membership, we can't stress enough how much of a good deal this card is. You get an unlimited 5% cash back on all your Amazon purchases -- that's better than what any other credit card can currently give you. If you don't have Amazon Prime, you can still get a good deal with the Amazon.com Rewards Visa Card. The non-Prime card gives a 3% cash back rate on Amazon purchases.

Highlights

  • Unlimited 5% cash back on all Amazon purchases
  • 2% back at gas stations, restaurants and drugstores
  • Exclusively available to Amazon Prime members

Best Credit Card Bonus Deal: Marriott Rewards® Premier Credit Card

Special Offer: 100,000 Bonus points after you spend $5,000 on purchases in your first 3 months from your account opening

Currently, the Marriott Rewards® Premier Credit Card offers one of the best bonuses around, though it has its limitations. Those who get the card and spend $5,000 on it within the first 3 months of card membership will receive 100,0000 reward points. By our estimates, these points are worth roughly $1,125 in hotel bookings. The major limitation is that these points can't be used anywhere else while retaining their high value. You can't get the $1,125 value as statement credit or cash back. Therefore, this bonus is only worthwhile if you like to travel and enjoy staying with Marriott properties when you do.

Highlights

  • 100,000 Points after spending $5,000 on purchases in your first 3 months from account opening
  • No foreign transaction fees
  • $85 annual fee

List of the Top 8 Credit Cards For February 2017

In case you want another reminder of our top 8 credit card deals, below is a quick table that summarizes all the important details about each pick.

DealCard
Discover doubles cash back at the end of first year for new cardmembersDiscover it® ­- Cashback Match™
$300 annual travel creditChase Sapphire Reserve℠
Use both cards to earn Ultimate Reward PointsChase Sapphire Preferred® Card & Chase Freedom®
Discover doubles cash back at the end of first year for new cardmembersDiscover it® for Students
80,000 Ultimate Rewards points after you spend at least $5,000 within your first 3 months of card membership.Ink Business Preferred℠ Credit Card
$0 Intro Fee on Transfers made within 60 days of account openingChase Slate®
Unlimited 5% back on all Amazon.com purchasesAmazon Prime Rewards Visa Signature Card
100,000 Bonus points after you spend $5,000 on purchases in your first 3 months from your account openingMarriott Rewards® Premier Credit Card

How To Find The Best Credit Card Deals?

If you are unsatisfied with the list of cards we presented above, you can always seek out credit card deals on your own. In certain circumstances, better offers may be available to you as we’ll explain below. Doing your own research may be an involved process and will likely require some effort on your part. This section of our guide will focus on cutting down the time you have to spend sifting through contracts, and help you get the right framework for finding card deals.

Look through e-mail and ordinary mail offers. The best credit card deals out there are not publically available to consumers. Instead, a bank may present you with a special discount or promotional offer that is only available to you. These are referred to as “targeted offers”, due to their nature. Many people have trained themselves to immediately treat such offers as spam. However, if you are on the hunt for a good credit card deal, you shouldn’t ignore these mailings.

Know what benefits you want, before you search. Credit cards can have a ton of different purposes and features that make them geared towards very specific users. While a multitude of features is great for consumers, it can also lead to a paralysis when they are presented with an overwhelming amount of options. This is why you should try to have at least a rough outline of what you want your credit card to have, in terms of benefits, before you even begin your search.

Know that the net value of rewards can outweigh an annual fee. Some people shy away from a whole world of possible credit card deals just because they come with an annual fee attached. This is a wrong mindset to have. Consumers should, instead, focus on the net value. Sometimes, one particular credit card deal may give you a better net return, even if it has an annual fee and another one doesn’t. Use credit card comparison tools, like this one, to help you figure out the best net rewards for your particular spending habits.

Shopping portals often have the best deals. Many of the major credit card issuers offer their users special discounts when they buy things through online shopping portals. These are often several magnitudes better than the promotional rewards you get from simply using the card in-store. Unfortunately, you cannot cross-compare shopping portals between different cards – they are almost always locked behind a log-in that requires you to be a cardmember. However, you should still be aware of their existence, since they are worth looking at once you apply for a certain card.

Methodology

For the purposes of this article, we examined 300+ credit cards found in our card database. This database includes cards from all 10 major credit card issuers in the United States – American Express, Bank of America, Capital One, JPMorgan Chase, Discover, Barclaycard, Synchrony Bank, Citibank, Wells Fargo and US Bank. We use cards from these banks because they are, for the most part, available nationwide to customers. Even if there is no branch near you, you can apply for most of the cards from these banks online. For the purposes of completeness, our database also contains information on cards from major credit unions, and large regional banks such as Key Bank.

Deals were chose on a basis of their value and compared to the relative cost of each card. Therefore, a card that offers consumers a deal we estimate to be worth at most $200 would not make the list if it had an annual fee that eats up most, if not more, of that deal value.

Comments and Questions

* 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.