Top 10 Credit Cards

Best Bonus Credit Card: Chase Sapphire Preferred® Card

Chase Sapphire Preferred®

(0 Reviews)
Annual Fee Apr
$ 0
Apply Now on bank’s secure website

Strengths

  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Rewards redemption bonus through Ultimate Rewards

Weaknesses

  • Has annual fee
  • Best for savvy travelers

Bonus Offer

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®

Annual Fee

$0

Intro APR Promotions

None

APR

  • APR: 16.24%-23.24% Variable
  • Cash Advance APR: 25.24%, 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
  • Sleek metal card design
  • 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 confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more

 

Check out our full review here.

 

Best 0% APR & Balance Transfer Credit Card: Discover it®

Discover it®

(0 Reviews)
Annual Fee Apr
$ 0.00
Apply Now on bank’s secure website

Strengths

  • It has Bonus cash back categories
  • No annual fee
  • 0% on purchases for 12 months and 0% on balance transfers for 12 months
  • Foreign transactions are absolutely free

Weaknesses

  • None

Bonus Offer

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

Annual Fee

$0.00

Intro APR Promotions

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

APR

  • APR: 11.24% – 23.24% Variable*
  • Cash Advance APR: 25.24%, Variable*

Card Details

  • Discover matches all the cash back you’ve earned at the end of your first year – automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Freeze It℠ on/off switch prevents new purchases, cash advances & balance transfers in seconds.*
  • Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.*
  • No annual fee.* No late fee on first late payment. No APR change for paying late.*
  • You’re never responsible for unauthorized purchases on your Discover card.
  • Click “Apply Now”. *See rates, rewards, FICO® Credit Score terms & other information.
Interest Over 2 Years
Intro purchase APR, first 12 months 0.00%
Ongoing APR after 12 months 11.24% – 23.24% Variable
True Interest Cost 11.62%

Check out our full review here.

 

Best Airline Credit Card: United MileagePlus Explorer

Check out our full review here.

 

Best Hotel Credit Card: Starwood Preferred Guest

Starwood Preferred Guest® Business Credit Card from American Express

(0 Reviews)
Annual Fee Apr
$ 0
Apply Now on bank’s secure website

Strengths

  • High rewards rate
  • No foreign transaction fee

Weaknesses

  • It has annual fee

Bonus Offer

Get 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.

Annual Fee

$0

Intro APR Promotions

None

APR

  • APR: 15.49% - 19.49% Variable
  • Penalty APR: Up to 29.49%, Variable
  • Cash Advance APR: 25.49%, Variable

Card Details

 

  • Get 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in over 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 conditions apply

 

Check out our full review here.

 

Best Business Credit Card: Chase Ink Plus

Ink Plus® Business Credit Card

(0 Reviews)
Annual Fee Apr
$ 95.00
Apply Now on bank’s secure website

Strengths

  • No foreign transaction fee

Weaknesses

  • It has annual fee

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®

Annual Fee

$95.00

Intro APR Promotions

None

APR

  • APR: 15.49%-19.49% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • 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 5X 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 2X 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

Check out our full review here.

 

Best No Fee Cash Back Credit Card: Chase Freedom

Chase Freedom®

(0 Reviews)
Annual Fee Apr
$ 0.00
Apply Now on bank’s secure website

Strengths

  • Bonus 5% cash back categories
  • No annual fee
  • 0% intro APR on purchases and balance transfers
  • Qualify with Good credit

Weaknesses

  • If you value simplicity, a flat rate cash back card may be better

Bonus Offer

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

Annual Fee

$0.00

Intro APR Promotions

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

APR

  • APR: 14.24-23.24% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 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
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, select grocery stores, and wholesale clubs
  • Cash Back rewards never expire as long as your account is open
  • No annual fee
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time 5.00%
Intro balance transfer, first 15 months 0.00%
Ongoing Rate, after 15 months 14.24% – 23.24% Variable
True Interest Cost 11.22%

 

Interest Over 2 Years
Intro purchase APR, first 15 months 0.00%
Ongoing APR after 15 months 14.24% – 23.24% Variable
True Interest Cost 8.72%

Check out our full review here.

 

Best Gas & Groceries Credit Card: American Express Blue Cash Everyday/Preferred

Blue Cash Preferred® Card from American Express

(0 Reviews)
Annual Fee Apr
$ 75
Apply Now on bank’s secure website

Strengths

  • Leading cash back rewards for groceries
  • Sign-up bonus
  • 0% APR for 12 months on purchases and balance transfers

Weaknesses

  • Has annual fee - but if you spend more than $27/week the rewards offset the fees
  • American Express isn’t accepted at as many merchants as Visa or MasterCard

Bonus Offer

Special Offer - Get up to $350 back. Offer Ends 6/15/2016.
See if you qualify for a better offer with American Express:

Annual Fee

$75

Intro APR Promotions

0% on Purchases for 12 months and 0% on Balance Transfers for 12 months

APR

  • APR: 13.24%-23.24% Variable
  • Penalty APR: Up to 29.49%, Variable
  • Cash Advance APR: 25.49%, Variable

Card Details

  • Special Offer – Get up to $350 back. Offer Ends 6/15/2016.
  • Get Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 3% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can get cash back. 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 get 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 restrictions apply.
  • View Rates and Fees

Check out our full review here.

 

Best Credit Card for Poor Credit: Capital One Secured

Check out our full review here.

 

Best Student Credit Card: Discover it® for Students

Discover it® Chrome for Students

(0 Reviews)
Annual Fee Apr
$ 0
Apply Now on bank’s secure website

Strengths

  • Qualify with average credit
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases for 6 months and 10.99% on balance transfers for 6 months
  • No foreign transaction fee

Weaknesses

    Bonus Offer

    Qualify with average credit
    Bonus cash back categories
    No annual fee
    0% on purchases for 6 months and 10.99% on balance transfers for 6 months
    No foreign transaction fee

    Annual Fee

    $0

    Intro APR Promotions

    0% on purchases for 6 months and 10.99% on balance transfers for 6 months

    APR

    • APR: 13.24% - 22.24% Variable*
    • Cash Advance APR: 25.24%, Variable*

    Card Details

    • Discover matches all the cash back you’ve earned at the end of your first year – 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.
    • 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 customer 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.

    Check out our full review here. 

     

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