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 Bizee 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 120,000 bonus points*

0% APR Month/Billing Cycle IntroAPRDuration

Annual Fee AnnualFees

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Welcome offer

*New cardholders earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠.

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 150,000 points*

Regular APR RegAPR

Annual Fee AnnualFees

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Welcome offer

*This card features a welcome offer of 150,000 Membership Rewards points that you can earn by spending $20,000 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 Membership Rewards points on the two categories where your business spends the most (each billing cycle) from six eligible categories. While your top two categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x thereafter). Only the top two categories each billing cycle will count towards the $150,000 cap. Additionally, earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold card. 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 up to $750 cash bonus*

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

Annual Fee AnnualFees

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Welcome offer

*New cardholders earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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

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Welcome offer

Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months. Plus, you can 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 earn 2% cash back on all your eligible purchases up to $50,000 spent per calendar year, then 1%.

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

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Welcome offer

New cardholders earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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

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Welcome offer

Earn 15,000 Membership Rewards points after you spend $2,000 in eligible purchases on your card within the first three months of membership.

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

Welcome offer

New cardholders will earn $750 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 IntroAPRDuration on purchases

Regular APR RegAPR

Annual Fee AnnualFees

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Welcome offer

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

Key Benefits

Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.

Consumer Credit Cards for Cash-Back Rewards

CardName Our RatingsEditorRating

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.

Information related to Chase Freedom FlexSM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

CardName Our RatingsEditorRating

Welcome Offer 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!

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

Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back on all other purchases.

Key Benefits

No annual fee. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

CardName Our RatingsEditorRating

Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.

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

Annual Fee AnnualFees

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Welcome offer

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. (Citi is a CardRatings advertiser)

Key Benefits

Earn 2% on every purchase with unlimited 1% cash back when you buy, and an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Consumer Credit Cards for Travel Rewards

CardName Our RatingsEditorRating

Welcome Offer 60,000 bonus points*

0% APR Month/Billing Cycle IntroAPRRate

Annual Fee AnnualFees

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Welcome offer

*New cardholders earn 60,000 bonus points – worth $750 in travel through Chase Travel℠ – after spending $4,000 in the first three months.

Key Benefits

On an ongoing basis, you can earn 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

CardName Our RatingsEditorRating

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 bonus points – worth $900 when redeemed through Chase 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 Chase Travel (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 Our RatingsEditorRating

Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.

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

Annual Fee AnnualFees

discontinued

Welcome offer

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. (Citi is a CardRatings advertiser)

Key Benefits

Earn 2% on every purchase with unlimited 1% cash back when you buy, and an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.


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.