Credit cards are useful tools for saving money, whether you’re running a business or a household. Everyone has expenses, so why not get more out of your expenses by using a credit card with benefits like cash back, travel and hotel accommodations or save with an excellent balance transfer offer (Any balance transfer savings vary depending upon account usage and payment behavior). We at Incfile analyzed the business and consumer credit card market to find you the best offers.

Choose a category that best suits your business needs.

 
Travel Rewards
 
Cash Back
 
Low Rate

Choose a category that best suits your personal/consumer needs.

 
Cash Back
 
Travel Rewards
 
Balance Transfer

About Our Ratings

All credit cards are rated objectively based on the features the credit card offers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

Rewards Credit Cards for Travel Rewards

CardName Our RatingsEditorRating

Welcome Offer 100,000 bonus points*

0% APR Month/Billing Cycle IntroAPRDuration

Annual Fee AnnualFees

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Welcome offer

*New cardholders earn a welcome bonus of 100,000 Chase Ultimate Rewards® points after spending $15,000 in the first three months.

Key Benefits

Thereafter, you can earn 3 points per $1 on up to $150,000 spent on travel; shipping; cable, internet and phone services; and advertising on social media platforms and search engines. After meeting the cap, and on all your other purchases, you earn 1 point per $1 spent.

CardName Our RatingsEditorRating

Welcome Offer 120,000 points*

Regular APR RegAPR

Annual Fee AnnualFees

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Welcome offer

*This card features a welcome offer of 120,000 Membership Rewards® points that you can earn by spending $15,000 on eligible purchases within the first three months. American Express is a CardRatings advertiser.

Key Benefits

You will earn 5 points on flights and prepaid hotels through amextravel.com; an extra half-point (1.5 Membership Rewards® points total) per $1 spent on eligible purchases with U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers as well as on each purchase of $5,000 or more, up to a cap; and you’ll earn 1 point for every $1 you spend on other eligible purchases. You can certainly receive a good amount of luxury travel perks, but you will want to consider how much travel you do in order to overcome the substantial annual fee of AnnualFees

CardName Our RatingsEditorRating

Welcome Offer 70,000 Membership Rewards® points*

0% APR Month/Billing Cycle IntroAPRDuration

Annual Fee AnnualFees

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Welcome offer

*When you qualify for this card, you can earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first three months of opening an account.

You will earn 4x rewards for the top two select categories where your business spend the most in each billing cycle out of a list of six categories. You’ll earn 1x rewards for other select purchases. This card offers good perks, but be mindful that you will have to pay a AnnualFees annual fee. 

Rewards Credit Cards for Cash Back

CardName Our RatingsEditorRating

Welcome Offer $900 cash bonus*

0% APR Month/Billing Cycle 0% intro APR for IntroAPRDuration on purchases
(then, RegAPR)

Annual Fee AnnualFees

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Best ever welcome offer

*New cardholders earn a $900 cash-back bonus after you spend $6,000 on purchases within the first three months of account opening.

Key Benefits

Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.

CardName Our RatingsEditorRating

0% APR Month/Billing Cycle 0% intro APR for 12 months from date of account opening on purchases

Regular APR RegAPR

Annual Fee AnnualFees

discontinued

Welcome offer

Earn a $250 statement credit when you spend $3,000 in the first 3 months. You can also take advantage of a 12-month intro period with 0% APR on purchases (then, RegAPR). This is a great card to help get you through your startup costs.

Key Benefits

You’ll also receive 2% cash back on all your eligible purchases up to $50,000 spent per calendar year, then 1%.

CardName Our RatingsEditorRating

Welcome Offer $300 statement credit toward travel*

0% APR Month/Billing Cycle 0% intro APR for IntroAPRDuration on purchases
(then, RegAPR)

Annual Fee AnnualFees

discontinued

Welcome offer

*You can get a $300 statement credit toward travel purchases after making at least $3,000 in purchases within 90 days of opening your account.

Key Benefits

New! Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

Rewards Credit Cards for Low Rate

CardName Our RatingsEditorRating

0% APR Month/Billing Cycle 0% intro APR for IntroAPRDuration on purchases

Regular APR RegAPR

Annual Fee AnnualFees

discontinued

Best ever welcome offer

New cardholders earn a $900 cash-back bonus after you spend $6,000 on purchases within the first three months of account opening.

Key Benefits

Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.

CardName Our RatingsEditorRating

0% APR Month/Billing Cycle 0% intro APR for 12 months from date of account opening on purchases

Regular APR RegAPR

Annual Fee AnnualFees

discontinued

Welcome offer

Earn a $250 statement credit when you spend $3,000 in the first 3 months. You can also take advantage of a 12-month intro period with 0% APR on purchases. If you need to make any big purchases to pay off gradually, this is a great card to help get you through your startup costs.

Key Benefits

This card is one of the top low-interest business credit cards that also provides good cash back benefits. Of all the top low-rate cards, this one is a great choice if you want sustained rewards.

CardName Our RatingsEditorRating

0% APR Month/Billing Cycle 0% intro APR for IntroAPRDuration on purchases

Regular APR RegAPR

Annual Fee AnnualFees

discontinued

Best ever welcome offer

New cardholders will earn $900 cash back after you spend $6,000 in the first three months of card membership. Additionally, you can take advantage of an introductory IntroAPRDuration no interest on purchases (then, RegAPR).

Key Benefits

You’ll earn an unlimited 1.5% cash back on every purchase.

CardName Our RatingsEditorRating

0% APR Month/Billing Cycle 0% intro APR for IntroAPRDuration on purchases

Regular APR RegAPR

Annual Fee AnnualFees

discontinued

Welcome offer

Earn 30,000 bonus points after making $3,000 in purchases within the first 90 days of account opening.

Key Benefits

Earn 3 points per every $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center; earn 1.5 points for every $1 spent on all other purchases everywhere, every time, no matter how much your spend. Points don’t expire.

Consumer Credit Cards for Cash-Back Rewards

CardName EditorRating

Welcome Offer $200 cash back bonus*

0% APR Month/Billing Cycle 0% intro APR on purchases and balance transfers for 15 months (then, RegAPR)

Annual Fee AnnualFees

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Welcome offer

*New cardholders earn a $200 cash-back bonus after spending only $500 in the first 3 months. 

Key Benefits

Earn 5% cash back each quarter on up to $1,500 spent in categories that rotate (enrollment required); 5% cash back on travel purchased through the Ultimate Rewards® portal; 3% cash back at restaurants (including takeout and delivery); 3% at drugstores; and 1% on other eligible purchases and in the rotating bonus categories once meeting the cap.

CardName EditorRating

Welcome Offer Earn an additional 1.5% cash back*

0% APR Month/Billing Cycle 0% intro APR on purchases and balance transfers for 15 months (then, RegAPR)

Annual Fee AnnualFees

discontinued

Welcome offer

*New cardholders earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back.

Key Benefits

Earn 5% cash back on travel purchased through Ultimate Rewards®; 3% cash back at restaurants (including takeout and delivery); 3% back at drugstores; and 1% cash back on other eligible purchases.

CardName EditorRating

Welcome Offer N/A

Balance Transfer Offer 0% intro APR on balance transfers
for 18 months (then, RegAPR)

Annual Fee AnnualFees

discontinued

Welcome offer

*There’s no traditional offer, but you can take advantage of an intro BT offer for 18 months. (Citi is a CardRatings advertiser)

Key Benefits

Earn 1% cash back when you buy and 1% cash back when you pay your bill for effectively 2% cash back on every purchase.

Consumer Credit Cards for Travel Rewards

CardName EditorRating

Welcome Offer 60,000 bonus points*

0% APR Month/Billing Cycle IntroAPRRate

Annual Fee AnnualFees

discontinued

Welcome offer

*New cardholders earn 60,000 Chase Ultimate Rewards® points – worth up to $750 in travel –after spending $4,000 in the first three months.

Key Benefits

On an ongoing basis, you can earn 5 points on travel booked through the Ultimate Rewards® portal; 3 points on dining (including eligible takeout and delivery), on select streaming services, on online grocery store purchases (excluding Target, Walmart and wholesale clubs); 2 points on travel; and 1 point per $1 on everything else.

CardName EditorRating

Welcome Offer 60,000 bonus points*

0% APR Month/Billing Cycle N/A

Annual Fee AnnualFees

discontinued

Welcome offer

*New cardholders earn a welcome bonus of 60,000 Chase Ultimate Rewards points – worth up to $900 in travel – after spending $4,000 in the first three months.

Key Benefits

On an ongoing basis, earn 5 points on flights and 10 points on car rentals and hotels when you book through the Ultimate Rewards portal (on purchases not eligible for the annual travel reimbursement); earn 3 points per $1 on all dining and on other travel (after earning your annual $300 travel credit). Earn 1 point per $1 elsewhere. And take advantage of complimentary airport lounge access.

Consumer Credit Cards for Balance Transfers

CardName EditorRating

Welcome Offer N/A

Balance Transfer Offer 0% intro APR on balance transfers
for 18 months (then, RegAPR)

Annual Fee AnnualFees

discontinued

Welcome offer

*There’s no traditional offer, but you can take advantage of an intro BT offer for 18 months. (Citi is a CardRatings advertiser)

Key Benefits

Earn 1% cash back when you buy and 1% cash back when you pay your bill for effectively 2% cash back on every purchase.


For rates and fees of American Express cards mentioned in this article, please see the following links: CardName (See Rates and Fees) CardName (See Rates and Fees); CardName (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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