Best Credit Cards of April 2024

• Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
• Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
• No foreign transaction fees

• High rewards rate
• Flexible rewards redemption
• No foreign transaction fee
• Sign-up bonus

• Has annual fee
• Redemption value for cash is half of value for travel
• Requires good/excellent credit

• New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
• $0 annual fee
• No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
• Select “Apply Now” to learn more about the product features, terms and conditions
• View Rates and Fees

• High rewards rate
• No annual fee
• Intro APR period

No bonus categories

• Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
• Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
• $0 intro annual fee for the first year, then $95.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
• Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Terms Apply.
• View Rates and Fees

• Leading cash-back rewards at U.S. supermarkets
• Rich bonus offer for new cardholders
• Intro APR period on Purchases

• Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
• American Express isn’t accepted at as many merchants as Visa or Mastercard
• $25 minimum redemption

• 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
• No annual fee
• No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
• Access your FICO® Score for free within Online Banking or your Mobile Banking app
• Contactless Cards - The security of a chip card, with the convenience of a tap
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• No annual fee
• Intro APR period on Purchases and Balance Transfers

• No rewards

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

• High rewards rate
• No annual fee
• Intro APR period on Balance Transfers

• No sign-up bonus
• No 0% APR for purchases
• $25 minimum redemption

• 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
• No annual fee
• No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
• Access your FICO® Score for free within Online Banking or your Mobile Banking app
• Contactless Cards - The security of a chip card, with the convenience of a tap
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• No annual fee
• Intro APR period on Purchases and Balance Transfers

• No rewards

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

• High rewards rate
• No annual fee
• Intro APR period on Balance Transfers

• No sign-up bonus
• No 0% APR for purchases
• $25 minimum redemption

• 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
• Get free access to your FICO® Score online.
• With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
• Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
• The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

• No annual fee
• 0% for 18 months on transfers if you qualify

• No rewards

• 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
• Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
• No Annual Fee*
• Flexibility to choose a payment due date that fits your schedule.
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
• View Rates and Fees

• No annual fee
• Intro APR period on Purchases and Balance Transfers
• Cell phone insurance

• No rewards
• Foreign transaction fee

• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
• Redeem cash back any amount, any time. Rewards never expire.
• #1 Most Trusted Credit Card according to Investor’s Business Daily.
• Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
• No annual fee.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• View Rates and Fees

• Bonus cash back categories
• No annual fee
• Intro APR period on Purchases and Balance Transfers
• No foreign transaction fee

• Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
• If you value simplicity, a flat rate cash back card may be better

• Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
• Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
• No foreign transaction fees

• High rewards rate
• Flexible rewards redemption
• No foreign transaction fee
• Sign-up bonus

• Has annual fee
• Redemption value for cash is half of value for travel
• Requires good/excellent credit

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
• Earn unlimited 1.5% cash back on all other purchases.
• Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
• No annual fee.
• 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
• No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

• See if you qualify for a better offer with Chase:

• High rewards rate and no minimum redemption
• No annual fee
• Intro APR period on Purchases

• Has foreign transaction fee
• Requires good/excellent credit

• Rose Gold is back. You can now choose between Gold or Rose Gold.
• Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
• Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
• Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.
• View Rates and Fees

• High rewards rate in certain categories
• No foreign transaction fees
• Transfer partners
• Annual dining credit

• American Express isn’t accepted as widely as Visa or Mastercard internationally
• No lounge membership

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout
• 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 13.99% - 23.99% Variable APR will apply
• If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
• Contactless Cards - The security of a chip card, with the convenience of a tap
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• No annual fee and no foreign transaction fees
• Generous flat rewards rate on all purchases
• Flexibility to book travel how you want
• Rewards accelerator if you bank with Bank of America or invest with Merrill

• More restrictive than a straight cash back card
• If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards

• Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
• Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
• Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
• $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
• New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
• $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
• $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
• $695 annual fee.
• Terms Apply.
• View Rates and Fees

• Luxury travel perks (Uber credit, airline fee credit, lounge access, etc.)
• High rewards rate in certain categories
• No foreign transaction fees

• High annual fee
• Airline fee credit is limited
• Low rewards rate on most spending

• New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
• $0 annual fee
• No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
• Select “Apply Now” to learn more about the product features, terms and conditions
• View Rates and Fees

• High rewards rate
• No annual fee
• Intro APR period

No bonus categories

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
• $0 Annual Fee
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
• Easy access to your FICO® Credit Score with Wells Fargo Online®
• Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
• Convenient tools to help create a budget and manage your spending with My Money Map
• Select "Apply Now" to learn more about the product features, terms and conditions

• No annual fee
• Intro APR period on Purchases and qualifying Balance Transfers

• No rewards

• 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
• No annual fee
• No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
• Access your FICO® Score for free within Online Banking or your Mobile Banking app
• Contactless Cards - The security of a chip card, with the convenience of a tap
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• No annual fee
• Intro APR period on Purchases and Balance Transfers

• No rewards

• 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
• Get free access to your FICO® Score online.
• With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
• Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
• The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

• No annual fee
• 0% for 18 months on transfers if you qualify

• No rewards

• 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
• Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
• No Annual Fee*
• Flexibility to choose a payment due date that fits your schedule.
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
• View Rates and Fees

• No annual fee
• Intro APR period on Purchases and Balance Transfers
• Cell phone insurance

• No rewards
• Foreign transaction fee

• New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
• $0 annual fee
• No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
• Select “Apply Now” to learn more about the product features, terms and conditions
• View Rates and Fees

• High rewards rate
• No annual fee
• Intro APR period

No bonus categories

• Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
• Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
• $0 intro annual fee for the first year, then $95.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
• Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Terms Apply.
• View Rates and Fees

• Leading cash-back rewards at U.S. supermarkets
• Rich bonus offer for new cardholders
• Intro APR period on Purchases

• Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
• American Express isn’t accepted at as many merchants as Visa or Mastercard
• $25 minimum redemption

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

• High rewards rate
• No annual fee
• Intro APR period on Balance Transfers

• No sign-up bonus
• No 0% APR for purchases
• $25 minimum redemption

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
• Earn unlimited 1.5% cash back on all other purchases.
• Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
• No annual fee.
• 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
• No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

• See if you qualify for a better offer with Chase:

• High rewards rate and no minimum redemption
• No annual fee
• Intro APR period on Purchases

• Has foreign transaction fee
• Requires good/excellent credit

• Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash℠ Card account per person.

• No annual fee
• 5% bonus categories
• Intro APR Period

• Low rate outside bonus categories
• Requires good/excellent credit

• Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
• Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
• No foreign transaction fees

• High rewards rate
• Flexible rewards redemption
• No foreign transaction fee
• Sign-up bonus

• Has annual fee
• Redemption value for cash is half of value for travel
• Requires good/excellent credit

• New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
• $0 annual fee
• No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
• Select “Apply Now” to learn more about the product features, terms and conditions
• View Rates and Fees

• High rewards rate
• No annual fee
• Intro APR period

No bonus categories

• Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
• Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
• $0 intro annual fee for the first year, then $95.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
• Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Terms Apply.
• View Rates and Fees

• Leading cash-back rewards at U.S. supermarkets
• Rich bonus offer for new cardholders
• Intro APR period on Purchases

• Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
• American Express isn’t accepted at as many merchants as Visa or Mastercard
• $25 minimum redemption

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
• Earn unlimited 1.5% cash back on all other purchases.
• Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
• No annual fee.
• 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
• No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

• See if you qualify for a better offer with Chase:

• High rewards rate and no minimum redemption
• No annual fee
• Intro APR period on Purchases

• Has foreign transaction fee
• Requires good/excellent credit

• Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash℠ Card account per person.

• No annual fee
• 5% bonus categories
• Intro APR Period

• Low rate outside bonus categories
• Requires good/excellent credit

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
• No Annual Fee
• Terms Apply
• View Rates and Fees

• High rewards rate
• No annual fee

• Annual spending cap

• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
• No Annual Fee
• Terms Apply
• View Rates and Fees

• High rewards rate
• No annual fe

• Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• 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.
• 0% introductory APR for 12 months on purchases

• High rewards rate
• No annual fee
• Intro APR period on Purchases

• Has foreign transaction fee

• Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

• No annual fee
• Intro APR period on purchases
• High rewards rates in certain categories
• Sign-up bonus

• Requires good/excellent credit
• Spending caps in bonus categories
• Low rewards rate outside bonus categories

• Earn unlimited 1.5% cash back on every purchase, every day
• Earn cash rewards without signing up for rotating categories
• Be automatically considered for a higher credit line in as little as 6 months
• Monitor your credit profile with the CreditWise® app, free for everyone
• $0 fraud liability if your card is ever lost or stolen
• No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
• Help strengthen your credit for the future with responsible card use
• Get customized alerts and manage your account with the Capital One mobile app

• Qualify with average credit
• High rewards rate
• No foreign transaction fee

• Has annual fee
• High APR

• Earn 1.5% unlimited cash back on card purchases every time you make a payment
• Combine the flexibility of a card with the low cost and predictability of a loan
• $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Access to a virtual card while you wait for your card to arrive in the mail
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

• Qualify with average credit
• No late fee
• No annual fee
• No foreign transaction fee

• Potentially high APR
• Not available in all states

• Earn 1.5% unlimited cash back on card purchases every time you make a payment
• Combine the flexibility of a card with the low cost and predictability of a loan
• $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Access to a virtual card while you wait for your card to arrive in the mail
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

• Qualify with average credit
• No annual fee
• No foreign transaction fee

• No rewards
• High APR

• Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
• Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
• Enjoy no annual fee and no foreign transaction fees
• You can help build your credit with responsible use of a card like this
• Pick the monthly due date that works best for you
• Be automatically considered for a higher credit line in as little as 6 months
• $0 fraud liability if your card is ever lost or stolen
• Monitor your credit profile with the CreditWise® app, free for everyone

• Qualify with average credit
• No annual fee
• No foreign transaction fee

• High APR

• No Annual Fee, earn cash back, and build your credit with responsible use.
• Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
• Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
• Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

• No annual fee
• Reports to the three major credit bureaus
• Offers rewards and a sign-up bonus
• Chance to upgrade to unsecured account after 8 months

• Requires minimum deposit of $200
• Discover cards not widely accepted outside the U.S.

• No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
• The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
• Build credit quickly. OpenSky reports to all 3 major credit bureaus.
• 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
• We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
• OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
• *View our Cardholder Agreement located at the bottom of the application page for details of the card

• No credit check required
• Doesn't require a bank account
• Reports to the three major credit bureaus

• Has annual fee
• High ongoing APR
• Requires $200 mininum deposit

• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
• Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
• Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
• No annual fee. No late fee on first late payment. No APR change for paying late.
• Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
• Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

• Earn 5% Cash Back in rotating categories each quarter up to the quarterly maximum when you activate
• No FICO history required.
• Bonus cash back categories
• No annual fee
• Intro APR period on Purchases and Balance Transfers
• No foreign transaction fee

• Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
• Bonus rewards categories require quarterly activation

• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
• Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
• Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
• No annual fee. No late fee on first late payment. No APR change for paying late.
• Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
• Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

• No FICO history required.
• Bonus cash back categories
• No annual fee
• Intro APR period on Purchases and Balance Transfers
• No foreign transaction fee

• Higher rewards available elsewhere
• Discover cards not widely accepted outside the U.S.