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Travel Rewards Credit Card Offers From Our Partners

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

By Brad Barrett, founder of TravelMiles101.com

Here are the top credit card picks from Travel Miles 101, which operates a FREE email course that is the fastest and easiest way to get started with travel rewards points and miles. Join the course here or start reading below to immediately find and apply for the cards that are right for you. 


Recently Increased, New or Limited Time Bonuses:

  • Wells Fargo:
  • Barclays:
  • Barclaycard Arrival Plus® World Elite Mastercard®: Limited time offer: 70,000 miles. Click for details

Top Recommended Cards:

Featured Cards:

Chase Sapphire Preferred® Card:

Chase Sapphire Preferred® Card

Bonus: Rake in 50,000 Chase Ultimate Rewards® points after you spend $4,000 in the first three months. Those points are worth as much as $625 in travel if you redeem through the Chase Ultimate Rewards® portal. Or transfer them to one of Chase's airline or hotel partners for even more value.

Annual Fee: $0 Intro for First Year, then $95, waived the first year.

Analysis: This is the best offer we’ve ever seen on the Chase Sapphire Preferred® Card, which we rate as the #1 travel rewards credit card. The points are transferable and Credit needed: Excellent, Good

EDITOR'S NOTE: Already have the Chase Sapphire Preferred® Card in your wallet? How about adding a different travel rewards card, this one with a welcome bonus worth as much as $625 in airfare? Check out all the details of the Citi Premier Card (Citi is a CardRatings.com advertiser.)

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Before Chase launched this business credit card, it talked to small business owners about what they needed in a card. Much of what Chase learned made its way into the card– that research and the resulting features make this card worth taking a long look at.

New cardholders earn 80,000 Chase Ultimate Rewards® points after spending $5,000 in the first three months. The rewards opportunities remain lucrative: Earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping, among others. After meeting the cap, and on all your other purchases, you earn one point per $1 spent. Annual Fee is $95

Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card). Credit needed: Excellent, Good

Apply Now

Chase Credit Cards:

Chase Transferable Points Cards:

Chase Sapphire Preferred® Card:

Chase Sapphire Preferred® Card

Bonus: 50,000 Chase Ultimate Rewards® points when you spend $4,000 in the first three months.

$0 Intro for First Year, then $95

Analysis: This is the best offer we’ve ever seen on the Chase Sapphire Preferred® Card, which we rate as the #1 travel rewards credit card. Credit needed: Excellent, Good

Apply Now


Ink Business Unlimited℠ Credit Card:

Ink Business Unlimited℠ Credit Card

The newest member of the Ink family can really be viewed as a no-annual-fee complement to the Ink Business Preferred℠ Credit Card since it's a flat-rate cash-back rewards card that can be used to earn 1.5 percent cash back on all your purchases that don't earn higher cash back with the Ink Business Preferred℠ Credit Card.

As a welcome offer, new cardholders will earn $500 cash back after you spend $3,000 in the first three months of card membership. Additionally, you can take advantage of 12 months zero interest on purchases and balance transfers (then, 15.24% - 21.24% Variable). And, remember, you'll earn an unlimited 1.5 percent cash back on every purchase.

Credit needed: Excellent, Good

Annual Fee: $0

Apply Now


Chase Sapphire Reserve®:

Chase Sapphire Reserve®

Bonus: Receive 50,000 bonus Ultimate Rewards® points after spending $4,000 in the first three months. All your points are worth 50 percent more when you redeem them for travel, so those 50,000 bonus points are worth up to $750 in travel.

$450 annual fee; an additional $75 each authorized user.

Analysis: This luxury card made quite a splash when it debuted in 2016. While the annual fee is hefty, you get a lot for the money.

Take advantage of up to a $300 reimbursement each account anniversary year for travel expenses like airfare or hotel stays charged to your card, access to more than 1,000 airport lounges worldwide, a chance to earn three points per $1 spent on dining and travel that isn't eligible for the annual travel reimbursement and one point per $1 on everything else, and a number of other luxury perks and benefits. Plus, remember that those points are worth 50 percent more if you redeem them for travel. This card was named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine. Credit needed: Excellent

Apply Now


Ink Business Cash℠ Credit Card:

Ink Business Cash℠ Credit Card

Bonus: Earn $500 bonus cash back when you spend $3,000 in the first 3 months.

$0 annual fee

Analysis: Recently increased offer! The Ultimate Rewards® from the Ink Business Cash℠ Credit Card are transferable to any other Chase card that is part of the Ultimate Rewards® program, meaning that your points could be worth more or could be combined with points earned on your other cards in order to increase your rewards redemption opportunities. Credit needed: Excellent, Good

Apply Now


Chase Freedom Unlimited®:

Chase Freedom Unlimited®

Bonus: Earn a $150 bonus after you spend $500 in the first three months.

$0 annual fee.

Analysis: The Ultimate Rewards® from the Chase Freedom Unlimited® are transferable to other Chase Ultimate Rewards® cards so you can combine them with points earned with a Chase Sapphire Preferred®Card, Chase Sapphire SM, or other participant card which will, in some cases, make those points more valuable. Credit needed: Excellent, Good

Apply Now


Chase Freedom®:

Chase Freedom®

Bonus: Earn a $150 bonus after you spend $500 in the first three months.

$0 annual fee.

Analysis:  The Ultimate Rewards® from the Chase Freedom® are transferable to other Chase Ultimate Rewards® cards so you can combine them with points earned with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or other participant card which will, in some cases, make those points more valuable. Credit needed: Excellent, Good

Apply Now


Chase Airline Credit Cards:

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Bonus: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.

$99 annual fee not waived first year.

Analysis: These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for family travel and travel in the U.S. generally. And this is a nice bonus to take advantage of. Credit needed: Excellent, Good


Southwest Rapid Rewards® Plus Credit Card:

Southwest Rapid Rewards® Plus Credit Card

Bonus: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.

$69 annual fee not waived first year

Analysis: Once again, theses points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for family travel and travel in the U.S. generally. Credit needed: Excellent, Good


Southwest Rapid Rewards® Premier Business Credit Card:

Southwest Rapid Rewards® Premier Business Credit Card

Bonus: 60,000 points after you spend $3,000 in the first 3 months.

$99 annual fee, not waived the first year.

Analysis: 60,000-point bonus is the top offer we’ve seen on this card. These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: Excellent, Good


United℠ Explorer Card:

United℠ Explorer Card

Bonus: Limited time offer! Earn up to 65,000 Bonus Miles through a tiered plan: Earn 40,000 Bonus Miles after you spend $2,000 on purchases in the first 3 months from account opening. Plus, earn an additional 25,000 Bonus Miles after spending $10,000 total on purchases in the first 6 months from account opening. You can earn Bonus Miles from either or both tiers.

Annual fee: Waived first year, then $0 Intro for First Year, then $95

Analysis: There is a nice bonus and many additional benefits with this card, for example: Earn 2 miles per $1 spent at restaurants and on hotel accommodations and  2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases. Receive up to $100 Global Entry or TSA Pre✔® statement fee credit every 4 years as reimbursement for the application fee for either program when charged to your card. Then, get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights when you pay with your Explorer Card. Check your first bag for free (a savings of up to $120 per roundtrip) when you use your card to purchase your ticket and enjoy priority boarding privileges and visit the United Club(SM) with 2 one-time passes each year for your anniversary. So it's a great time to apply if you're in the market.


United MileagePlus®  Explorer Business:

United Business card newBonus: 50,000 United miles when you spend $3,000 in the first 3 months.

$95 annual fee waived the first year.

Analysis: The normal bonus on this card is 30,000 miles, so this is a nice increase!

The information related to the United MileagePlus® Explorer Business credit card has been collected by CardRatings and TravelMiles101 and has not been reviewed or provided by the issuer of this card.


British Airways Visa Signature® Card:

British Airways Visa Signature® Card

Bonus: Earn up to 100,000 bonus British Airways Avios. Spend $3,000 in the first 3 months to earn 50,000 Avios; spend $10,000 total within the first year to earn another 25,000 Avios and spend $20,000 total to earn another 25,000 Avios.

$95 annual fee not waived the first year.

Analysis: You could earn as many as 100,000 bonus Avios in your first year (and that's in addition to the three Avios you earn per $1 spent on every British Airways purchase and one Avios for every $1 spent on other purchases).

British Airways Avios are some of the most valuable miles out there for their "sweet spot" redemptions on short-haul flights on American Airlines and Alaska Airlines, so they make up an essential part of any well-rounded travel rewards strategy. Credit needed: Excellent, Good

Apply Now


Chase Hotel Credit Cards:

The World Of Hyatt Credit Card:

The World Of Hyatt Credit Card

Bonus: Earn up to 60,000 bonus points, worth as many as 12 nights at participating Hyatt properties! Spend $3,000 in the first three months to earn the first 40,000 points and spend a total of $6,000 on your new card within the first six months of account opening to earn another 20,000 bonus points.

Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Enjoy automatic World of Hyatt Discoverist status while you are a card member and receive five qualifying night credits toward your next status tier every year (you'll also earn two status night credits each time you spend $5,000 on your card).

Analysis: Since free nights start as low as 5,000 points per night, the up to 60,000 bonus points could be worth as many as 12 free nights. Additionally, you'll earn an extra free night at a Category 1-4 if you spend at least $15,000 on your card during your anniversary year.

Annual fee: $95

Credit needed: Excellent, Good

Apply Now


IHG® Rewards Club Premier Credit Card:

IHG® Rewards Club Premier Credit Card

Bonus: 80,000 bonus points when you spend $2,000 in the first 3 months.

$89 annual fee.

Free annual bonus night at any eligible IHG property in the world after your account anniversary; plus, stay a bit longer – you'll receive a free night any time you redeem points for a stay of four nights or more.

Analysis: This updated IHG card brings some impressive perks and features to the table, starting with that welcome bonus. In addition, the opportunity to earn free nights when you redeem rewards as well as after each account anniversary is nice. You'll also earn 10 points for every $1 spent at IHG properties; two points per $1 at gas stations, grocery stores and restaurants; and one point per $1 on your other purchases.

Credit needed: Excellent, Good


Marriott Rewards® Premier Plus Credit Card:

Marriott Rewards® Premier Plus Credit Card

(This card is not currently available on CardRatings)

Bonus: Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening. Then, earn 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

$95 annual fee.

Analysis: This is a nice bonus and cardholders also earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels and 2X points for every $1 spent on all other purchases. Guaranteed Silver Elite Status each account anniversary year and a path to Gold Status when $35,000 is spent on purchases each account year combine to make this an attractive card.


Marriott Rewards® Premier Business Card:

Marriott Bus 5-16Bonus: 75,000 bonus points plus One Free Night at a Category 1-5 hotel (after account anniversary) when you spend $3,000 in the first 3 months.

$99 annual fee, waived the first year.

Analysis: Excellent offer on this card!

The information related to the Marriott Rewards® Premier Business Card has been collected by CardRatings and TravelMiles101 and has not been reviewed or provided by the issuer of this card.


American Express Credit Cards:

American Express Transferable Points Cards:

Starwood Preferred Guest® Credit Card from American Express:

Starwood Preferred Guest® Credit Card from American Express

Welcome Offer: 75,000 bonus points when you spend $3,000 in the first 3 months (American Express is a CardRatings.com advertiser).

$0 introductory annual fee for the first year, then $95. Terms apply. See Rates and Fees

Analysis: You'll receive one free reward night each year after your card member anniversary (up to a 35,000-point value). Credit needed: Good, Excellent

Apply Now


Starwood Preferred Guest® Business Credit Card from American Express:

Starwood Preferred Guest® Business Credit Card from American Express

Welcome Offer: Earn 75,000 bonus points after you spend $3,000 in purchases on your card in the first three months.

$0 introductory annual fee for the first year, then $95. Terms apply. See Rates and Fees

Analysis: Earn six points per $1 spent at over 6,700 participating SPG® and Marriott Rewards® properties across 29 brands; four points per $1 at U.S. restaurants, at U.S. gas stations, on wireless phone service purchased from U.S. providers and on U.S. shipping purchases. Earn two points per $1 on everything else.

Credit needed: Good, Excellent

Apply Now


The Amex EveryDay® Credit Card from American Express:

The Amex EveryDay® Credit Card from American Express

(This card is not currently available on CardRatings)

Welcome Offer: 10,000 Membership Rewards® bonus points when you spend $1,000 in the first 3 months.

$0 annual fee. Terms apply. See Rates and Fees

Analysis: The real draw with this card is as a no-annual-fee place to store your Membership Rewards® points. And that you can take advantage of 15 months no interest on purchases and balance transfers (then, 14.99% - 25.99% Variable) as well as paying no balance transfer fees on transfers made within the first 60 days. Credit needed: Good, Excellent


American Express® Business Gold Card:

American Express® Business Gold Card

Apply Now

More Rewards: Get 4x Membership Rewards® points on the two select categories where your business spent the most each month. (4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*)

*Terms apply. See Rates and Fees

Analysis: This card has some interesting benefits. A flexible payment option can help manage cash flow on purchases of $100 or more.* There is also an airline bonus that you get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

Credit needed: Good, Excellent


American Express® Gold Card:

American Express® Gold Card

Welcome Offer: Receive 20% back as a statement credit at U.S. restaurants within the first three months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019. Plus, earn 25,000 Membership Rewards® points after spending $2,000 on eligible purchases with your new card within the first three months. Note: the Limited Edition Rose Gold card is only available until 1/9/2019.

You also earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points® on flights booked directly with airlines or on amextravel.com.

Then you can earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.

There is also a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.

$250 annual fee. Terms apply. See Rates and Fees

Analysis: This card has undergone a complete overhaul. If the new features work for you, it could be a fantastic card to have in your wallet. Credit needed: Good, Excellent

Apply Now


The Business Platinum® Card from American Express:

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® bonus points. Earn the first 50,000 after you spend $10,000 and earn an additional 25,000 points after you spend an additional $10,000 all in the first 3 months.

Rewards: Get 5X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com. Earn 1.5 points per $1 on purchases of more than $5,000 and earn one point per $1 on everything else.

$450. Terms apply. See Rates and Fees

Analysis: The $450 annual fee is significant. But, Amex is giving you 35 percent of your points back when you Pay with Points for flights through American Express Travel (you must select one airline for economy bookings, but you get 35 percent back on ALL business and first class flights available through Amex Travel, up to 500,000 points back annually). Credit needed: Good, Excellent

Apply Now


The Platinum Card® from American Express:

The Platinum Card® from American Express

Welcome Offer: 60,000 Membership Rewards® bonus points when you spend $5,000 in the first 3 months. Plus, receive $200 per calendar year in airline credit for incidentals with one airline and up to $200 in Uber savings annually.

$550 annual fee not waived. Terms apply. See Rates and Fees

Analysis: The $550 annual fee is significant, though you can significantly offset that with the $200 of airline fee credit plus the Uber savings annually. Credit needed: Good, Excellent

Apply Now


American Express Airline Credit Cards:

Gold Delta SkyMiles® Credit Card from American Express:

Gold Delta SkyMiles® Credit Card from American Express

Welcome Offer: Earn 30,000 bonus miles when you spend $1,000 on your card in the first three months and earn a $50 statement credit after making a Delta purchase in the same time frame.

$0 introductory annual fee for the first year, then $95. Terms apply. See Rates and Fees

Analysis: This is a typical offer on this card, but we've seen it go higher. It might be worth waiting to apply if that fits in your plans. Credit needed: Good, Excellent


Gold Delta SkyMiles® Business Credit Card from American Express:

Gold Delta SkyMiles® Business Credit Card from American Express

Welcome Offer: Earn 30,000 bonus miles when you spend $1,000 on your card in the first three months and earn a $50 statement credit after you make a Delta purchase in the same time frame.

$0 introductory annual fee for the first year, then $95 Terms apply. See Rates and Fees

Analysis: This is a typical offer for this card, but we've seen higher. You might want to consider waiting to apply if that fits in your plans. Credit needed: Good, Excellent


Platinum Delta SkyMiles® Credit Card from American Express:

Platinum Delta SkyMiles® Credit Card from American Express

(This card is not currently available on CardRatings)

Welcome Offer: For a limited time, earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in the first three months. (Offer ended September 19, 2018.)

$195 Terms apply. See Rates and Fees

Analysis: This is a high welcome offer for this card, so now would be a good time to consider applying. Credit Needed: Good, Excellent


Platinum Delta SkyMiles® Business Credit Card from American Express:

Platinum Delta SkyMiles® Business Credit Card from American Express

Welcome Offer: Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 on the card in the first three months as a card member. Plus get a $100 statement credit after making a Delta purchase on your new card within three months. The regular APR is: 17.74% - 26.74% Variable.

$195. Terms and limitations apply. See Rates and Fees

Analysis: This is an excellent offer for this card. You might want to consider applying now if that fits in your plans. Credit needed: Good, Excellent

Apply Now


American Express Hotel Credit Cards:

Starwood Preferred Guest® Business Credit Card from American Express:

Starwood Preferred Guest® Business Credit Card from American Express

Welcome Offer: Earn 75,000 bonus points after you make $3,000 in purchases on your card in the first three months.

$0 introductory annual fee for the first year, then $95. Terms apply. See Rates and Fees

Analysis: Earn six points per $1 spent at over 6,700 participating SPG® and Marriott Rewards® properties across 29 brands; four points per $1 at U.S. restaurants, at U.S. gas stations, on wireless phone service purchased from U.S. providers and on U.S. shipping purchases. Earn two points per $1 on everything else.

Credit needed: Good, Excellent

Apply Now


Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

Welcome Offer: Receive 125,000 bonus points after spending $2,000 in the first three months. Also, earn a weekend night stay reward after you spend $15,000 in a calendar year.

$95. Terms apply. See Rates and Fees

Analysis: Earning a weekend night stay each calendar year after you put at least $15,000 on the card should more than offset the annual fee. Furthermore, you earn 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio and six points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations. All your other purchases net you three points per $1 spent making this an easy card with which to rack up points whether staying close to home or traveling far and wide.


The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Welcome Offer: Earn 125,000 bonus points after you spend $3,000 in the first three months.

$95. Terms apply. See Rates and Fees

Analysis: You have an opportunity to earn up to two weekend nights with this card – earn your first night after spending $15,000 on the card in a calendar year and earn a second night after spending an additional $45,000 in the same calendar year. That perk is in addition to your everyday rewards earning power of 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio, six points per $1 spent on select business and travel purchases and three points per $1 everywhere else. As if all that wasn't enough for the modest annual fee, you'll also receive 10 airport lounge visits each year after you enroll in a complimentary Priority Pass™ Select membership.


Citibank Credit Cards:

Citibank Transferable Points Cards

Citi Premier Card

Citi Premier<sup>℠</sup> Card

(Citi is a CardRatings.com advertiser)

Bonus: Receive 50,000 bonus ThankYou® points – those are worth up to $625 in airfare when redeemed through the ThankYou® Travel Center or $500 in gift cards – after you spend $4,000 in the first three months of account opening.

Annual fee: $95, waived for first 12 months*

Analysis: Citi has upped its game with this card’s latest welcome offer. You can redeem your points on any airline without worrying about blackout dates. Even more, your points are worth 25 percent more when redeemed for airfare through the ThankYou® Travel Center.

When it comes to ongoing rewards, you’ll earn three times the points on travel (including on your gas station purchases), two times the points on dining out and entertainment, and one point per $1 spent on your other purchases. Furthermore, points are transferable to a number of airline loyalty programs. Overall, this is a solid travel rewards card that has just gotten better thanks to some recent updates and offers.


Citi Prestige® Card:

Citi Prestige® Card

(This offer is expired and not currently available on CardRatings)

(Citi is a CardRatings.com advertiser)

Bonus: 40,000 Citi ThankYou® points plus $250 per calendar year airfare credit (worth $500 for one 12-month period of card) when you spend $4,000 in the first 3 months.

$450 annual fee not waived. 

Analysis: The $450 annual fee is significant, but there’s a strong case to be made: You get a $250 per calendar year airfare credit (or gift cards), so you can get two of these worth a total of $500. 40,000 ThankYou® points valuable to transfer to partners. Credit needed: Excellent

Apply Now



Citi ThankYou® Preferred Card:

(This card is not currently available on CardRatings)
Citi ThankYou<sup>®</sup> Preferred Card

(Citi is a CardRatings.com advertiser)

Bonus: New cardholders can take advantage of 15 months of no interest on purchases and balance transfers (then, 15.49% - 25.49%* Variable).

$0 annual fee

Analysis: This is a solid option for people who enjoy going out. You'll earn two ThankYou® points per $1 spent at restaurants and on entertainment and one point per $1 on all other purchases. Credit needed: Excellent


Citibank Airline Cards:

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®:

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite<sup>™</sup> Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in the first 3 months and 10,000 after making a total of $6,000 in purchases in the first 12 months of account opening.*

Annual Fee: $99, waived for first 12 months*.

Analysis: This is a nice bonus for this card, but we've seen it go a bit higher; you might want to consider waiting to apply if that fits in your plans. Credit needed: Excellent, Good


American Airlines AAdvantage MileUp Card:

American Airlines AAdvantage MileUp<sup>℠</sup> Card

Bonus: Earn 10,000 American Airlines AAdvantage® miles and receive a $50 statement credit after you spend $500 in the first three months of account opening.

Annual Fee: $0*

Analysis: This new no-annual-fee airline rewards card is designed for the person who likes a free or reduced cost flight now and then, but doesn't fly enough to offset any kind of annual fee. In addition to earning two miles per $1 spent on American Airlines purchases, you'll also earn two miles per $1 on your grocery store and grocery delivery services purchases, making this a solid choice for your everyday credit card. Credit needed: Excellent

Apply Now


CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: For a limited time, earn 70,000 American Airlines AAdvantage® miles when you spend $4,000 in the first four months.

$99 annual fee waived the first 12 months.

Analysis: This is an awesome bonus on this card, so consider applying now if you're in the market for a new card. Credit needed: Excellent, Good

Apply Now


Citi® / AAdvantage® Executive World Elite Mastercard®:

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite<sup>™</sup> Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: Earn 50,000 AAdvantage® bonus miles after you spend $5,000 in purchases within the first three months of opening your card. $450 annual fee not waived the first year.

Other Noteworthy Benefits: AA Admirals Club® access and up to a $100 statement credit (every 5 years) for Global Entry or TSA Pre✓® application fees.

Analysis: This is a good bonus on this card, so now is a great time to apply if that fits into your plans and budget. Credit needed: Excellent


Capital One Credit Cards:

Capital One® Venture® Rewards Credit Card:

Capital One® Venture® Rewards Credit Card

Welcome offer: 50,000 Venture® miles when you spend $3,000 in the first 3 months. $95 annual fee waived the first year.

50,000 miles (plus the 6,000 you'll earn at the regular reward rate for spending $3,000 (2 miles per $1)) = 56,000 worth $560 of statement credits for completely flexible travel.

Analysis: This welcome offer is higher than typical for this card, so jump on it while it lasts. Additionally, if you book a stay through Hotels.com/Venture using your card, you'll earn 10x the miles per $1 spent on the booking. That's in addition to the regular Hotels.com rewards program in which you earn a free night for every 10 nights booked through the site. Credit needed: Excellent, Good

Learn More


Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

Welcome offer: 20,000 Venture® miles when you spend $1,000 in the first 3 months. You earn 1.25 miles on every purchase. There is no annual fee on this card.

20,000 miles = $200 of statement credits for completely flexible travel.

Analysis: This welcome offer has held steady for many months with no indication this will increase. That said, there is a new promotion in which VentureOne® cardholders earn 10x the miles per $1 spent when they book a stay through Hotels.com/Venture. That's in addition to the regular rewards programs with Hotels.com in which you earn a free night for every 10 nights you book. Credit needed: Excellent, Good

Learn More


Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Bonus: $500 cash back after you spend $3,000 in the first three months.

Annual Fee: $0 intro for first year; $95 after that. No foreign transaction fees.

Analysis: Capital One seemed to have food lovers in mind with this card as it rewards you with 4 percent cash back on dining and entertainment as well as 2 percent cash back at grocery stores and 1 percent on everything else. Plus, that cash-back bonus is a nice appetizer to your ongoing rewards.


Capital One® SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

Bonus: Earn a $150 cash bonus after spending just $500 in the first three months.

Annual Fee: $0 annual fee and no foreign transaction fees.

Analysis: You can think of this card as the little sibling of the Capital One® Savor® Cash Rewards Credit Card. It has a similar focus on food, but a slightly lower earning rate, a lower bonus offer and no annual fee. You earn 3 percent cash back on dining and entertainment, 2 percent at grocery stores and 1 percent on everything else. If you want to dip your toe into the world of cash-back rewards but aren’t ready for an annual fee, this could be a great option for you.


Capital One® Spark® Cash for Business:

Capital One® Spark® Cash for Business

Welcome offer: Earn up to $2,000: Get a $500 cash bonus when you spend $5,000 in the first 3 months. Plus, for a limited time, earn $1,500 when you spend $50,000 in the first 6 months of opening your account.

Annual fee: $0 intro for first year; $95 after that.

Analysis: Welcome offer increased. Best we’ve seen for the Capital One® Spark® Cash for Business! Credit needed: Excellent, Good

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Capital One® Spark® Miles for Business:

Capital One® Spark® Miles for Business

Welcome offer: Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account, then earn 150,000 miles when you spend $50,000 within the first 6 months. Limited Time Offer.

Annual fee: $0 intro for first year; $95 after that

Analysis: Welcome offer increased. Best we’ve seen! Credit needed: Excellent, Good

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Wells Fargo Credit Cards:

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

Bonus: Earn 30,000 bonus points – valued at $300 in cash redemption – after you spend $3,000 in the first three months.

Annual fee: $0

Analysis: When Wells Fargo relaunched this card it did so with some nice added rewards opportunities, including three points per $1 spent on dining out and ordering in; travel, which includes airfare, hotels, homestays and car rentals; and transportation-related purchases like those at gas stations, for rideshares and for transit. You also earn one point per $1 on your other purchases. The best part? That three points per $1 rate is usually reserved for cards with annual fees and this Wells Fargo card charges none.

Additional perks include a 0 percent APR for 12 months on purchases and balance transfers (then, 14.49%-26.99% Variable) as well as up to $600 in cell phone protection against covered damage and theft if you pay your monthly cellular bill on the card. Note that balance transfer fees apply and transfers made within 120 days qualify.

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Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Bonus: New cardholders earn a $200 cash rewards bonus after spending just $1,000 in purchases in the first three months. Additionally, you can take advantage of 12 months no interest on purchases and balance transfers (then, 15.99%-26.99% Variable)

Annual fee: $0

Analysis: This is a flat-rate (ie. simple to understand and use) cash-back rewards card that doesn't burden you with an annual fee. You'll earn 1.5 percent cash back on every purchase, no matter the category or how much you spend. And, if you're the mobile wallet type, you'll appreciate that you can earn 1.8 percent cash back on your mobile wallet purchases – think, Apple Pay® and Google Pay™ – for the first 12 months you're a card member. This card also comes with the up to $600 in cell phone protection against covered damage and theft if you pay your monthly cellular bill on the card.

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Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card

Bonus: This is primarily a balance transfer card, so you'll want to think of your bonus as the opportunity to pay off a balance transfer (or purchase, actually) interest-free over the course of 18 months (then, 13.49%-26.99% Variable.) Note that balance transfer fees apply and transfers made within 120 days qualify for the offer.

Annual fee: $0

Analysis: This isn't a rewards card, but you could certainly find its 18 months of no interest on purchases and balance transfers to be rewarding in terms of the money you'll save on interest. This card does, however, come with the added perk of cell phone protection of up to $600 (subject to a $25 deductible) against covered damage and theft if you pay your monthly cellular bill on the card.

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Discover Credit Cards:

Discover it® Miles:

Discover it® Miles

(This card is not currently available on CardRatings)

Introductory offer: Discover will MATCH all the miles new cardholders earn during their first year of membership.

No annual fee

Analysis: Discover it® Miles cardholders earn an unlimited 1.5 miles on every purchase, and Discover will match all the miles you earn during your first year. If you do the math, that effectively means you’ll earn three miles per $1 spent for the first year. You can redeem miles in any amount for statement credit to cover travel purchases within the past 180 days or for an electronic deposit directly to a bank account; either way, your miles are always worth $.01 each, so 100 miles will always equal $1. Additional perks of the card include up to $30 in statement credit annually to cover in-flight WiFi fees (a real rarity among no-annual-fee cards), no foreign transaction fees, all U.S.-based customer service and an introductory 0-percent APR on purchases for your first 14 months. Credit needed: Excellent, Good


Barclays Credit Cards:

Barclaycard Arrival Plus® World Elite Mastercard®:

Barclaycard Arrival Plus® World Elite Mastercard®

Bonus: Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days. Plus, each time you redeem your miles, you receive 5 percent back for a future redemption.

Annual fee: $89 (waived first year). See Rates and Fees

Analysis: The easy rewards-earning with this card is one of its biggest perks: a simple two miles per $1 spent on every purchase means that you can rack up miles quickly on your everyday purchases. Then, when you redeem your rewards you'll enjoy 5 percent back to use on a future redemption. Credit needed: Good/Excellent

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JetBlue Plus Card:

JetBlue Plus Card

(This card is not currently available on CardRatings)

Bonus: 30,000 bonus points after you spend $1,000 in purchases within the first 90 days. $99 annual fee.

You get 10% of your points back every time you redeem to use toward your next redemption. Your first checked bag is free on JetBlue operated flights

Analysis: This is a new card offered by Barclays and is therefore the best bonus we’ve seen on this card. Credit needed: Excellent


JetBlue Business Card:

Jetblue business 5-16Bonus: 40,000 bonus points after you spend $1,000 in purchases within the first 90 days. $99 annual fee.

You get 10% of your points back every time you redeem to use toward your next redemption. Your first checked bag is free on JetBlue operated flights.

Analysis: This is a new card offered by Barclays and is therefore the best bonus we’ve seen on this card.


Hawaiian Airlines® World Elite MasterCard®:

Hawaiian Airlines World Elite MasterCard®

Bonus: 50,000 Hawaiian Airlines miles when you spend $3,000 in the first 90 days.

$99 annual fee applies.

Analysis: This is a higher-than-typical offer on the Hawaiian Airlines® World Elite MasterCard®, so now would be a good time to apply.


Wyndham Rewards® Visa®:

Wyndham - newBonus: Earn up to 45,000 points. Earn 30,000 after your first purchase and an additional 15,000 after spending $2,000 in the first 90 days.

$75 annual fee.

Analysis: Wyndham just changed their award chart so every room is 15k per night. This gets you two nights at any of their hotels worldwide including NYC and Hawaii. 


Lufthansa Miles & More® Premier World MasterCard®:

Lufthansa 3-16Bonus: 50,000 total Lufthansa miles. 20,000 miles upon first purchase and payment of the annual fee plus an additional 30,000 miles when you spend $5,000 in the first 90 days.

$89 annual fee not waived the first year.

Additional perks: Annual companion certificate plus two business lounge vouchers annually.

Analysis: Increased bonus!


Frontier Airlines World MasterCard®:

Frontier 2-16

Bonus: Earn 40,000 Frontier Airlines Miles when you spend $500 in the first 90 days.

$79 annual fee applies.

Analysis: Frontier is a niche airline, but if you live near Denver International Airport where they have a major hub, this can be a solid card. 40,000 miles will get you two round-trip Saver tickets on Frontier in the continental US.


AAdvantage® Aviator™ Red World Elite Mastercard®:

AAdvantage® Aviator™ Red World Elite Mastercard®

Bonus: 50,000 miles with no spending requirement – you simply earn the miles after making your first purchase – is a nice bonus offer.

$95 annual fee is not waived the first year.

Analysis: This card from Barclays offers another way to earn valuable American Airlines AAdvantage® miles.


US Bank Credit Cards:

U.S. Bank FlexPerks® Gold American Express® Card:

U.S. Bank FlexPerks® Gold American Express® Card

 Bonus: 30,000 FlexPoints when you spend $2,000 in the first 4 months. $85 annual fee.

FlexPoints can be redeemed for air travel, cash back, merchandise, gift cards and more. You also get a $25 credit for baggage fees/in-flight food and drinks purchased with your card on every award flight. TSA PreCheck ($85) or Global Entry ($100) automatic statement credit reimbursement for whichever program you apply for first.

Analysis: This is a newly increased bonus offer.


U.S. Bank FlexPerks® Travel Rewards Visa Signature® card:

FlexPerks Travel 5-16Bonus: 25,000 FlexPoints when you spend $2,000 in the first 4 months. $49 annual fee waived the first year.

25,000 FlexPoints can be redeemed for an airline award ticket up to $375 in value. You also get a $25 credit for baggage fees/in-flight food and drinks purchased with your card on your award flight.

Analysis: This bonus has recently increased after holding steady for many months.


Radisson Rewards™ Premier Visa Signature® Card:

Radisson Premier Rewards Visa SignatureBonus: 85,000 bonus points. 50,000 upon first purchase and additional 35,000 when you spend $2,500 in the first 90 days. $75 annual fee not waived the first year.

10x the points on purchases at participating Radisson Family of Hotels; 5x the points on all other purchases. 40,000 additional points awarded each subsequent year for renewing and paying $75 fee.

Analysis: This bonus has held steady for many months with no indication this will increase.


Radisson Rewards™ Business Visa® Card:

Radisson Rewards Business VisaBonus: 85,000 points. Earn 50,000 points upon first purchase and additional 35,000 after you spend $2,500 in the first 90 days. $60 annual fee.

10x points on all spending with participating Radisson Family of Hotels; 5x the points on all other purchases. 40,000 additional points awarded each subsequent year for renewing and paying $60 fee.

Analysis: This bonus has held steady for many months with no indication this will increase.


Small Business Credit Cards:

Ink Business Unlimited℠ Credit Card:

Ink Business Unlimited℠ Credit Card

The newest member of the Ink family can really be viewed as a no-annual-fee complement to the Ink Business Preferred℠ Credit Card since it's a flat-rate cash-back rewards card that can be used to earn 1.5 percent cash back on all your purchases that don't earn higher cash back with the Ink Business Preferred℠ Credit Card.

As a welcome offer, new cardholders will earn $500 cash back after you spend $3,000 in the first three months of card membership. Additionally, you can take advantage of 12 months zero interest on purchases and balance transfers (then, 15.24% - 21.24% Variable). And, remember, you'll earn an unlimited 1.5 percent cash back on every purchase.

Credit needed: Excellent, Good

Annual Fee: $0

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Ink Business Cash℠ Credit Card:

Ink Business Cash℠ Credit Card

Bonus: Earn $500 bonus cash back when you spend $3,000 in the first 3 months.

$0 annual fee

Analysis: Recently increased offer! The Ultimate Rewards® from the Ink Business Cash℠ Credit Card are transferable to any other Chase card that is part of the Ultimate Rewards® program, meaning that your points could be worth more or could be combined with points earned on your other cards in order to increase your rewards redemption opportunities. Credit needed: Excellent, Good

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Southwest Rapid Rewards® Premier Business Credit Card:

Southwest Rapid Rewards® Premier Business Credit Card

Bonus: 60,000 points after you spend $3,000 in the first 3 months.

$99 annual fee, not waived the first year.

Analysis: 60,000-point bonus is the top offer we’ve seen on this card. These points are among the easiest to redeem as Southwest doesn’t have any blackout dates! This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: Excellent, Good

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American Express® Business Gold Card:

American Express® Business Gold Card

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More Rewards: Get 4x Membership Rewards® points on the two select categories where your business spent the most each month. (4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*)

*Terms apply. See Rates and Fees

Analysis: This card has some interesting benefits. A flexible payment option can help manage cash flow on purchases of $100 or more.* There is also an airline bonus that you get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

Credit needed: Good, Excellent


The Business Platinum® Card from American Express:

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® bonus points. Earn the first 50,000 after you spend $10,000 and earn an additional 25,000 points after you spend an additional $10,000 in the first 3 months.

Rewards: Get 5X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com. Earn 1.5 points per $1 on purchases of more than $5,000 and earn one point per $1 on everything else.

$450. Terms apply. See Rates and Fees

Analysis: The $450 annual fee is significant. But, Amex is giving you 35 percent of your points back when you Pay with Points for flights through American Express Travel (you must select one airline for economy bookings, but you get 35 percent back on ALL business and first class flights available through Amex Travel, up to 500,000 points back annually). Credit needed: Good, Excellent

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Gold Delta SkyMiles® Business Credit Card from American Express:

Gold Delta SkyMiles® Business Credit Card from American Express

Welcome Offer: Earn 30,000 bonus miles when you spend $1,000 on your card in the first three months and earn a $50 statement credit after you make a Delta purchase in the same time frame.

$0 introductory annual fee for the first year, then $95 Terms apply. See Rates and Fees

Analysis: This is a typical offer for this card, but we've seen higher. You might want to consider waiting to apply if that fits in your plans. Credit needed: Good, Excellent


Platinum Delta SkyMiles® Business Credit Card from American Express:

Platinum Delta SkyMiles® Business Credit Card from American Express

Welcome Offer: Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 on the card in the first three months as a card member. Plus get a $100 statement credit after making a Delta purchase on your new card within three months. The regular APR is: 17.74% - 26.74% Variable.

$195. Terms and limitations apply. See Rates and Fees

Analysis: This is an excellent offer for this card. You might want to consider applying now if that fits in your plans. Credit needed: Good, Excellent

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The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Welcome Offer: Earn 125,000 bonus points after you spend $3,000 in the first three months.

$95. Terms apply. See Rates and Fees

Analysis: You have an opportunity to earn up to two weekend nights with this card – earn your first night after spending $15,000 on the card in a calendar year and earn a second night after spending an additional $45,000 in the same calendar year. That perk is in addition to your everyday rewards earning power of 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio, six points per $1 spent on select business and travel purchases and three points per $1 everywhere else. As if all that wasn't enough for the modest annual fee, you'll also receive 10 airport lounge visits each year after you enroll in a complimentary Priority Pass™ Select membership.


CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Mastercard<sup>®</sup>

(Citi is a CardRatings.com advertiser)

Bonus: For a limited time, earn 70,000 American Airlines AAdvantage® miles when you spend $4,000 in the first four months.

$99 annual fee waived the first 12 months.

Analysis: This is an awesome bonus on this card, so consider applying now if you're in the market for a new card. Credit needed: Excellent, Good

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Capital One® Spark® Cash for Business:

Capital One® Spark® Cash for Business

Welcome offer: Earn up to $2,000: Get a $500 cash bonus when you spend $5,000 in the first 3 months. Plus, for a limited time, earn $1,500 when you spend $50,000 in the first 6 months of opening your account.

Annual fee: $0 intro for first year; $95 after that.

Analysis: Welcome offer increased. Best we’ve seen for the Capital One® Spark® Cash for Business! Credit needed: Excellent, Good

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Capital One® Spark® Miles for Business:

Capital One® Spark® Miles for Business

Welcome offer: Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account, then earn 150,000 miles when you spend $50,000 within the first 6 months. Limited Time Offer.

Annual fee: $0 intro for first year; $95 after that

Analysis: Welcome offer increased. Best we’ve seen! Credit needed: Excellent, Good

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Starwood Preferred Guest® Business Credit Card from American Express:

Starwood Preferred Guest® Business Credit Card from American Express

Welcome Offer: Earn 75,000 bonus points after you spend $3,000 in purchases on your card in the first three months.

$0 introductory annual fee for the first year, then $95. Terms apply. See Rates and Fees

Analysis: Earn six points per $1 spent at over 6,700 participating SPG® and Marriott Rewards® properties across 29 brands; four points per $1 at U.S. restaurants, at U.S. gas stations, on wireless phone service purchased from U.S. providers and on U.S. shipping purchases. Earn two points per $1 on everything else.

Credit needed: Good, Excellent

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Cash Back Credit Cards:

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Bonus: $500 cash back after you spend $3,000 in the first three months.

Annual Fee: $0 intro for first year; $95 after that. No foreign transaction fees.

Analysis: Capital One seemed to have food lovers in mind with this card as it rewards you with 4 percent cash back on dining and entertainment as well as 2 percent cash back at grocery stores and 1 percent on everything else. Plus, that cash-back bonus is a nice appetizer to your ongoing rewards.


Capital One® SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

Bonus: Earn a $150 cash bonus after spending just $500 in the first three months.

Annual Fee: $0 annual fee and no foreign transaction fees.

Analysis: You can think of this card as the little sibling of the Capital One® Savor® Cash Rewards Credit Card. It has a similar focus on food, but a slightly lower earning rate, a lower bonus offer and no annual fee. You earn 3 percent cash back on dining and entertainment, 2 percent at grocery stores and 1 percent on everything else. If you want to dip your toe into the world of cash-back rewards but aren’t ready for an annual fee, this could be a great option for you.


Citi® Double Cash Card - 18 month BT offer:

Citi<sup>®</sup> Double Cash Card - 18 month BT offer

(Citi is a CardRatings.com advertiser)

Analysis: Unlimited 2 percent cash back (1 percent when you buy, another 1 percent when you pay) with no annual fee makes this card a real winner! This card also offers 0 percent APR on balance transfers the first 18 months (then, 15.49% - 25.49%* Variable). This card basically rewards your good financial habits, so it's one worth having in your wallet. 

$0 annual fee. Credit needed: Excellent, Good

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Blue Cash Preferred® Card from American Express:

Blue Cash Preferred® Card from American Express

Welcome Offer: Earn $200 back after you make $1,000 in purchases on your new card in the first three months.

Analysis: Solid cash back card with some appealing bonus categories: 6% at U.S. supermarkets (up to $6,000 spent per year, then 1%); 3% at U.S. gas stations. 1% cash back on other purchases.

Note that there is an annual fee on this card, but there is also a welcome offer. 

$95 annual fee. Terms apply. See Rates and Fees

Credit needed: Good, Excellent

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Blue Cash Everyday® Card from American Express:

Blue Cash Everyday® Card from American Express

Welcome Offer: Earn $150 cash back after you spend $1,000 within the first three months.

Analysis: Solid cash back card with some appealing bonus categories: 3 percent at U.S. supermarkets (up to $6k spent per year, then 1 percent), 2 percent at U.S. gas stations and select U.S. department stores and 1 percent on all other purchases. No annual fee plus a welcome offer makes this one to consider. See Rates and Fees

$0 annual fee. Terms apply. See Rates and Fees

Credit needed: Good, Excellent

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The Blue Business℠ Plus Credit Card from American Express:

The Blue Business℠ Plus Credit Card from American Express

Welcome Offer: There is not currently a traditional welcome offer for this card, but enjoy an introductory 15 months of 0 percent interest on purchases and balance transfers (then 13.24% - 21.24% Variable).

No annual fee

Analysis: One of the best no-annual-fee cash-back cards for business. Its simple earn structure of 2 points per $1 on your first $50,000 spent annually and 1 point per $1 on your purchases after that is a no-brainer. Plus, you can spend above your credit limit and still collect points on those purchases (the amount you can spend above your limit is not unlimited; it is based on several factors including your payment history, credit history, etc.) Terms apply. See Rates and Fees

Credit needed: Good, Excellent

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SimplyCash® Plus Business Credit Card from American Express:

SimplyCash® Plus Business Credit Card from American Express

Welcome Offer: New cardholders enjoy 15 months of no interest on purchases (then, 14.24% - 21.24% Variable).

No annual fee. Terms apply. See Rates and Fees

Analysis: The introductory 0 percent APR period could be just what your business needs to get off the ground or take your next big step. And bonus categories make this an attractive card option. Credit needed: Good, Excellent

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Capital One® Quicksilver® Cash Rewards Credit Card:

Capital One® Quicksilver® Cash Rewards Credit Card

Welcome offer: Earn $150 cash back when you spend $500 on purchases in the first 3 months after account approval. Enjoy 15 months no interest on purchases and balance transfers (then, 14.74% - 24.74% (Variable)).

$0 annual fee

Analysis: Unlimited 1.5 percent cash back makes this an attractive card for everyday spending and the $150 welcome offer when you reach the minimum spend is an added bonus. Credit needed: Excellent, Good

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Balance Transfer Credit Cards:

The Amex EveryDay® Credit Card from American Express:

The Amex EveryDay® Credit Card from American Express

(This card is not currently available on CardRatings)

Welcome Offer: 10,000 Membership Rewards® bonus points when you spend $1,000 in the first 3 months.

$0 annual fee. Terms apply. See Rates and Fees

Analysis: The real draw with this card is as a no-annual-fee place to store your Membership Rewards® points. And that you can take advantage of 15 months no interest on purchases and balance transfers (then, 14.99% - 25.99% Variable) as well as paying no balance transfer fees on transfers made within the first 60 days. Credit needed: Good, Excellent


Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card

Bonus: This is primarily a balance transfer card, so you'll want to think of your bonus as the opportunity to pay off a balance transfer (or purchase, actually) interest-free over the course of 18 months (then, 13.49%-26.99% Variable)

Annual fee: $0

Analysis: This isn't a rewards card, but you could certainly find its 18 months of no interest on purchases and balance transfers to be rewarding in terms of the money you'll save on interest. Note that balance transfer fees apply and transfers made within 120 days qualify. This card does, however, come with the added perk of cell phone protection of up to $600 (subject to a $25 deductible) against covered damage and theft if you pay your monthly cellular bill on the card.

Apply Now