In A Nutshell
The Chase Sapphire Preferred(R) Card sets the standard for travel rewards by offering an excellent 5x points on travel purchases through Chase Ultimate Rewards(R), 3x points on dining and 2x points on all other travel purchases. And points are worth 25% more when you redeem travel through Chase Ultimate Rewards(R) – That means the killer 60,000 point sign-up bonus is worth $750 towards travel.
Read reviewWhat We Like:
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A monster of an up-front bonus; 60,000 bonus points after spending $4,000 in the first three months.
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5X points on travel purchased through Chase Ultimate Rewards(R), 3X points on dining, 2X points on all other travel purchases, plus more.
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Points are worth 25% more when you redeem travel through Chase Ultimate Rewards(R)
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards(R).
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards(R). For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Capital One Venture Rewards Credit Card
In A Nutshell
Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.
Read reviewWhat We Like:
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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
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2X miles earned for $1 spent on all purchases
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Receive up to a $100 credit for Global Entry or TSA PreCheck(R)
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck(R)
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
Capital One VentureOne Rewards Credit Card
In A Nutshell
The Capital One VentureOne Rewards Credit Card has a litany of benefits including a 20,000 mile one-time bonus after spending $500 in the first 3 months, a 0% intro APR on purchases and balance transfers for 15 months (after which the standard rate of 19.24% – 29.24% Variable applies). A balance transfer fee of 3% applies to amounts transferred within the first 15 months.
Read reviewWhat We Like:
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A one-time bonus of 20,000 miles after spending $500 in the first three months
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1.25 miles earned on every $1 spent
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No annual fee and no foreign transaction fees
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Journey Student Rewards from Capital One
In A Nutshell
The Journey Student Rewards from Capital One is a great student rewards credit card focused on making on-time payments. One benefit of paying on time is a boost from 1% cash back to 1.25% cash back. Capital One will also automatically review your credit limit in as little as six months.
Read reviewWhat We Like:
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1% cash back on all purchases and pay on time to get a boost to 1.25% cash back
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Be automatically considered for a higher credit line in as little as 6 months
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No annual fee and no foreign transaction fees
Capital One QuicksilverOne Cash Rewards Credit Card
In A Nutshell
If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.
Read reviewWhat We Like:
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1.5% cash back on all purchases.
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Be automatically considered for a higher credit line in as little as six months.
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No foreign transaction fees and a modest $39 annual fee.
Capital One Platinum Secured Credit Card
In A Nutshell
If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.
Read reviewWhat We Like:
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Put down a refundable security deposit starting at $49 to get a $200 initial credit line.
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Be automatically considered for a higher credit line in as little as six months with no additional deposit needed.
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No annual fee and no foreign transaction fees.
Chase Freedom(R) Student credit card
In A Nutshell
The Chase Freedom(R) Student credit card can help students begin to build a strong credit profile while earning a $50 Bonus for signing up and making one purchase during the first three months. There’s no annual fee to own.
Read reviewWhat We Like:
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$50 Bonus after making your first purchase within three months from account opening
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Keep your account in good standing and receive a $20 award each account anniversary for up to five years
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No annual Fee
- $50 Bonus after first purchase made within the first 3 months from account opening
- Earn 1% cash back on all purchases
- No annual Fee
- $20 Good Standing Rewards after each account anniversary for up to 5 years
- Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- Free credit score with Chase Credit Journey
Ink Business Preferred(R) Credit Card
In A Nutshell
The Ink Business Preferred(R) Credit Card blows you away with a 100,000 point bonus after you spend $15,000 in the first three months and keeps you coming back with 3 points per dollar spent on travel and select business categories for the first $150,000 spent each account anniversary year.
Read reviewWhat We Like:
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100,000 bonus points after spending $15,000 in the first three months (Worth $1,250 in travel when redeemed through Chase Ultimate Rewards(R))
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3 points earned per $1 spent on travel and select business categories each account anniversary year
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No foreign transaction fees
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards(R)
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards(R)
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
In-Depth Look at the Best Credit Cards on the Market
If you want to get into the nitty-gritty details of the credit cards we recommend, we get into it here:
Best Credit Cards for Travel
Chase Sapphire Preferred Card®
Chase Sapphire Preferred® Card is one of the top travel cards available.
Not only does it offer one of the best travel reward bonuses around (60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.), but it also provides 5x points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2x points on other travel purchases, and has no foreign transaction fees.
Though it doesn’t offer a 0% introductory APR, it does provide a low rate for the first year, for both purchases and balance transfers.
- Introductory APR: N/A.
- Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater..
- Regular APR: 20.24% - 27.24% Variable on both purchases and balance transfers.
- Annual fee: $95.
- Credit needed: Good/Excellent (750+).
- Sign-up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
- Rewards: 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, plus more.
- Unique features: No foreign transaction fees; get 10,000 bonus points for each referral.
See card details/apply or read our full review.
Capital One Venture Rewards Credit Card
Another one of the top travel credit cards, the Capital One Venture Rewards Credit Card provides a generous bonus of 75,000 miles (equal to $750 in travel) after spending $4,000 on purchases in the first 3 months.
Plus you can also earn 2X miles per dollar on every purchase, every single day.
- Balance transfer fee: $0 at this Transfer APR.
- Regular APR: 20.24% - 28.24% (Variable).
- Annual fee: $95.
- Credit needed: Excellent (750+, No late payments over 60 days, no bankruptcy or loan defaults).
- Sign-up bonus: 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
- Rewards: 2X miles earned for $1 spent on all purchases.
- Unique features: Receive up to a $100 credit on Global TSA PreCheck®.
See card details/apply or read our full review.
Capital One VentureOne Rewards Credit Card
A variant of the Capital One Venture Rewards Credit Card, the Capital One VentureOne Rewards Credit Card offers similar terms and benefits.
But the Capital One VentureOne Rewards Credit Card offers a sign-up bonus of 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
- Regular APR: 19.24% - 29.24% (Variable).
- Annual fee: $0.
- Credit needed: Good/Excellent (700+, No late payments over 60 days, no bankruptcy or loan defaults).
- Sign-up bonus: 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
- Rewards: Unlimited 1.25 miles per dollar on every purchase.
- Unique features: Use your Venture miles on hotels and flights and even transfer miles to 15+ travel partners.
See card details/apply or read our full review.
Journey Student Rewards from Capital One
The Journey Student Rewards from Capital One is perfect for students and non-students alike.
You don’t need excellent credit, and you can even earn rewards. You’ll start with 1% back on all your purchases, but if you pay your bill on time, you’ll jump to 1.25% cash back.
You’ll also get travel benefits like 24-hour assistance in case of an emergency.
- Introductory APR: N/A.
- Balance transfer fee: $0 at this Transfer APR.
- Regular APR: 29.74% (Variable).
- Annual fee: $0
- Credit needed: Fair (640+).
- Sign-up bonus: N/A.
- Rewards: 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
- Unique features: 24-hour assistance including emergency card replacement in case your credit card is lost or stolen while you’re traveling; for every month that you pay on time, you’ll receive an additional 0.25% in rewards for every dollar.
See card details/apply or read our full review.
Best Credit Cards for Cash Back
Discover it® Cash Back
Discover it® Cash Back offers very generous cash back rewards, including 5% on select categories each quarter, like groceries, restaurants, and gas stations. Activation is required and the max spend per quarter is $1,500.
They also offer 1% cash back on all other purchases. But rather than giving you an upfront bonus, instead they match 100% of your rewards within the first year.
They also provide a 0% introductory APR on balance transfers for the first 14 months.
- Introductory APR: 0% introductory APR on balance transfers for the first 14 months.
- Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
- Regular APR: 11.99% - 22.99% Variable.
- Annual fee: $0.
- Credit needed: Good to Excellent (700+).
- Sign-up bonus: Your cash back will be 100% matched at the end of the first year.
- Rewards: 5% cash back on quarterly merchants, like gas stations, grocery stores, and restaurants; 1% cash back on all other purchases. Max spend is $1,500 per quarter and activation is required.
- Unique features: Redeem rewards for cash at any time; no late fee on your first late payment and paying late won’t raise your APR; no foreign transaction fee; free FICO credit score.
Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One QuicksilverOne Cash Rewards Credit Card is one of the very best for both cash back and general rewards. It provides unlimited 1.5% cash back on all purchases, which can be redeemed for cash at any time.
It’s designed specifically for consumers with average credit, even if you’ve defaulted on a loan within the past few years. The weak spot on this card is the APR. The regular rate is high among credit cards, and there is no introductory APR offer.
- Introductory APR: N/A.
- Balance transfer fee: $0 at this Transfer APR.
- Regular APR: 29.74% (Variable).
- Annual fee: $39.
- Credit needed: Average (640+; You have limited credit or you’ve defaulted on a loan in the past 5 years).
- Sign-up bonus: N/A.
- Rewards: Unlimited 1.5% cash back on all purchases
- Unique features: Redeem rewards for cash at any time.
See card details/apply or read our full review.
Best Credit Cards for Balance Transfers
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is an outstanding card for balance transfers.
The card has a unique reward system. Instead of paying a flat percentage on purchases, they pay 1% on purchases, and 1% on the payments you make on the card.
So if you charge $1,000 on the card for the month, you’ll receive $10 cash back. But if you pay the balance in full, you’ll receive another $10. It’s a good incentive to get you to pay back what you purchase while intending to take advantage of the rewards.
But the bigger story with this card is they offer 0% intro for 18 months on Balance Transfers.
- Introductory APR: 0% intro for 18 months on Balance Transfers
- Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
- Regular APR: 18.24% - 28.24% (Variable).
- Annual fee: $0.
- Credit needed: Good/Excellent.
- Sign-up bonus: N/A.
- Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Unique features: Rewards can be redeemed for statement credits or checks; free monthly credit score.
Best Credit Cards for Sign-up Bonus
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card hits our list of the top credit cards, again.
It offers what we believe is the top travel rewards bonus around (60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.). Couple that with 3x points on dining and 2x on other travel, and no foreign transaction fees.
- Introductory APR: N/A.
- Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater..
- Regular APR: 20.24% - 27.24% Variable on both purchases and balance transfers.
- Annual fee: $95.
- Credit needed: Good/Excellent (750+).
- Sign-up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
- Rewards: 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, 1X points on all other purchases.
- Unique features: No foreign transaction fees; get 10,000 bonus points for each referral.
See card details/apply or read our full review.
Capital One Venture Rewards Credit Card
Another amazing sign-up bonus credit card, the Capital One Venture Rewards Credit Card provides a generous bonus of 75,000 miles (equal to $750 in travel) after spending $4,000 on purchases in the first 3 months.
Plus you can also earn 2X miles per dollar on every purchase – every single day.
- Balance transfer fee: $0 at this Transfer APR.
- Regular APR: 20.24% - 28.24% (Variable).
- Annual fee: $95.
- Credit needed: Excellent (750+, No late payments over 60 days, no bankruptcy or loan defaults).
- Sign-up bonus: 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
- Rewards: 2X miles earned for $1 spent on all purchases.
- Unique features: Receive up to a $100 credit on Global TSA PreCheck®.
See card details/apply or read our full review.
Best Credit Cards for General Rewards
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards card is one of the top rewards cards available. You’ll get an incredible bonus of $300 cash when you spend $3,000 in purchases in the first three months,
You also get 4% cash back on dining and entertainment, which includes a diverse range of merchants, including cafes, bars, fast food chains and even bakeries.
Entertainment includes record stores and video rentals, dance clubs, pool halls, bowling alleys. Cash back rewards never expire and can be redeemed at any time.
- Introductory APR: N/A.
- Balance transfer fee: $0.
- Regular APR: See Partner Website*
- Annual fee: $95.
- Credit needed: Excellent (750+; No late payments over 60 days, no bankruptcy or loan defaults).
- Sign-up bonus: $300 cash bonus once you spend $3,000 in purchases in the first three months
- Rewards: Unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores, 1% on all other purchases.
- Unique features: Redeem cash back for any amount; no foreign transaction fees.
See card details or read our full review.
Best Credit Cards for Students
Chase Freedom® Student credit card
The Chase Freedom® Student Credit Card is designed for students, including those with fair credit (and no credit at all).
You’ll get 1% cash back on every dollar you spend using the card, as well as a $20 “Good Standing” reward each year for the first five years. Earn a $50 bonus after first purchase made within the first 3 months from account opening.
Another great perk for students is that you can monitor your credit score through the app. You’ll be able to see how your on-time payments are impacting your score.
- Introductory APR: N/A.
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater.
- Regular APR: 19.24% Variable.
- Annual fee: $0.
- Credit needed: No credit history required.
- Sign-up bonus: Earn a $50 bonus after first purchase made within the first 3 months from account opening.
- Rewards: 1% cash back on every dollar spent.
- Unique features: Credit limit increase after five monthly on-time payments in the first 10 months; $20 annual bonus for accounts in good standing for the first five years; view your credit score at any time.
See card details/apply or read our full review.
Capital One Platinum Secured Credit Card
The Capital One Platinum Secured Credit Card can be an option for students with either poor or no credit. If fact, it’s an option for anyone who has bad credit. It’s designed specifically to help you rebuild your credit.
You start with a $200 credit line. You’ll need to make a refundable security deposit of $49, $99, or $200, based on your creditworthiness.
You can then use the card just as you would any other, and Capital One will report your payment history to all three major credit bureaus — TransUnion, Experian, and Equifax. Cardholders will be automatically considered for a higher credit line in as little as six months.
- Introductory APR: N/A.
- Balance transfer fee: $0 at this Transfer APR.
- Regular APR: 29.74% (Variable).
- Annual fee: $0
- Credit needed: Poor (Less than 640; “Rebuilding” you’ve defaulted on a loan more than once or you’ve been declined for a credit card in the last three months).
- Sign-up bonus: N/A.
- Rewards: N/A.
- Unique features: Your payment history will be reported to all three major credit bureaus, helping you to rebuild your credit, or build it for the first time.
See card details/apply or read our full review.
Best Credit Cards for Business
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is a great option for business owners and entrepreneurs looking for a robust rewards credit card with tons of business-related perks.
The card starts with an impressive 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
As for rewards, the Ink Business Preferred® Credit Card is perfect for business owners that spend a lot on travel and general business expenses like advertisements and utilities. You’ll earn 3x points per $1 (on the first $150,000 spent in combined purchases) on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines. You’ll also earn 1x points per $1 on all other purchases.
- Introductory APR: N/A.
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater..
- Regular APR: 20.24% - 25.24% Variable.
- Annual fee: $95.
- Credit needed: Good (700+).
- Sign-up bonus: 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
- Rewards: 3x points (on the first $150,000 spent in combined purchases) on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines; 1x points on everything else.
- Unique features: Free additional employee cards, fraud protection, purchase protection, and personalized account alerts.
Summary
We’ve covered a lot of ground in this guide, including not only the various major credit card categories, but also offers available at the different credit levels for each.
Now it’s up to you to sift through the options, and find the card that best matches your preferences and credit profile.
Featured image: Katya Havok/Shutterstock.com
