Best Bonus Credit Card: Chase Sapphire Preferred® Card
Chase Sapphire Preferred®
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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®
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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 |
| 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
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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
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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®
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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 |
| 11.22% | |
| Interest Over 2 Years | |
|---|---|
| Intro purchase APR, first 15 months | 0.00% |
| Ongoing APR after 15 months | 14.24% – 23.24% Variable |
| 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
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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)
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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.