Best Credit Cards of 2022

Whether you’re looking for travel rewards, cash back, or 0% APR, take a look at these top cards from our partners.
Last updated Dec. 7, 2022 | By Ben Walker, CEPF | Edited By Melinda Sineriz

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There's a credit card for everyone and every occasion, but before you can start enjoying the perks credit cards can offer, you need to find the right one. Whether you're looking for a travel card to earn points for a fabulous vacation, a cash back card to earn money back on your purchases, a starter or student card to build your credit, a balance transfer card to pay down debt, or a business card, you've got plenty of options.

Keep reading to learn more about our editors' picks for the best credit cards and find your match.

In this article

Best travel cards

Current Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Why We Like It

If you love to travel, the Chase Sapphire Preferred® Card may be an excellent match for you. It’s one of the most popular travel credit cards available, offering a generous sign-up bonus for new cardmembers, premium travel benefits, and a strong rewards program.

With the Chase Sapphire Preferred, you earn 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases.

Each year on your card anniversary, you will also earn bonus points equal to 10% of the total purchases you made in the previous year.

If you redeem your points for travel through Chase Ultimate Rewards, your points are worth 25% more, helping you get more value for your points. You can book hotel stays, airfare, and even cruises with your points.

Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Current Offer

Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

$395

Rewards Rate

2X miles per dollar on every purchase, every day; 10X miles on hotels and rental cars booked through Capital One Travel, 10X miles per dollar when you book on Turo through May 16, 2023; and 5X miles on flights booked through Capital One Travel

Why We Like It

This premium travel card from Capital One earns 2X miles per dollar on every purchase, every day; 10X miles on hotels and rental cars booked through Capital One Travel, 10X miles per dollar when you book on Turo through May 16, 2023; and 5X miles on flights booked through Capital One Travel.

Cardholders receive up to $300 in annual travel credits for bookings made through Capital One Travel. They also receive 10,000 bonus miles (equal to $100 through Capital One Travel) on each account anniversary.

The Venture X provides complimentary and unlimited access to Priority Pass lounges, as well as access to Capital One Lounges and others in the Capital One Partner Lounge Network. You also receive up to a $100 statement credit for the Global Entry or TSA PreCheck® programs.

The regular purchase APR for this card is 19.99% - 26.99% (variable).

Card Details
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400 lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15 travel loyalty programs

Current Offer

Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening

Annual Fee

$95

Rewards Rate

2X miles per dollar on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel and 5X miles per dollar when you book on Turo through May 16, 2023

Why We Like It

The Capital One Venture Rewards Credit Card is best for frequent travelers who aren’t loyal to one particular airline or hotel. It’s a travel rewards card with a generous welcome offer.

Cardholders can also enjoy 2 complimentary visits per year to Capital One Lounges and Plaza Premium Lounges.

You’ll earn 2X miles per $1 spent on every purchase you make and you'll get up to $100 as a statement credit for Global Entry or TSA PreCheck® application fees, helping you breeze through airport security.

The regular purchase APR for this card is 18.99% - 26.99% (variable).

Card Details
  • 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®
  • 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

Annual Fee

$0

Why We Like It

The Bank of America® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.

Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel and dining purchases.

Earn 1.5X points on all purchases everywhere, every time.

Card Details
  • 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.
  • New longer intro period! 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, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • 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.

Citi Premier® Card

Citi Premier® Card

Citi Premier® Card

Current Offer

Earn 80,000 bonus points after spending $4,000 in the first 3 months

Annual Fee

$95

Rewards Rate

3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases

Why We Like It

The Citi Premier® Card is a rewards credit card fit for those who enjoy traveling and earning points on everyday spending.

Cardholders can redeem points for a wide range of rewards options, including: travel, cash back, gift cards, bill payments, and more.

Earn 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases.

Card Details
  • Earn 80,000 bonus points after spending $4,000 in the first 3 months
  • 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

Current Offer

Earn 50,000 bonus points after spending $2,000 on purchases in the first 120 days

Annual Fee

$95 (waived first year)

Rewards Rate

5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel, at gas stations, and at EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases

Why We Like It

The U.S. Bank Altitude® Connect Visa Signature® Card offers some special features including a $30 annual credit for streaming services such as Netflix and Spotify, as well as cell phone protection. You can also receive up to $100 in statement credits toward your TSA PreCheck or Global Entry application fee (once every four years).

This card earns generous rewards in areas where you are likely to spend regularly. You'll earn 5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel, at gas stations, and at EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases.

Card Details
  • Earn 50,000 bonus points after spending $2,000 on purchases in the first 120 days
  • 5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel, at gas stations, and at EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases

Current Offer

Earn 80,000 Membership Rewards points after spending $6,000 in the first 6 months

Annual Fee

$695

Rewards Rate

5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases

Why We Like It

If you want a premium rewards card with deluxe travel perks, consider The Platinum Card® from American Express. With a generous welcome offer, high rewards rate on eligible purchases, and upscale travel experiences, this card can enhance and streamline your next trip.

The Platinum Card® from American Express allows you to earn 5X points on flights booked directly with airlines or on Amextravel.com (on up to $500,000 per calendar year, after that 1X) and prepaid hotels booked on Amextravel.com.

The card offers a number of perks to justify its annual fee, including statement credits for airline fees, digital entertainment, Equinox, and CLEAR membership. You can also enjoy a $200 hotel credit each year on prepaid bookings at Fine Hotels + Resorts® or The Hotel Collection, which require a minimum two-night stay. Add a flight to this trip and receive up to $200 in statement credits once you select a qualifying airline and pay for incidental fees with your Card. (Select benefits require enrollment.)

You'll also gain access to more than 1,200 airport lounges in over 130 countries through the American Express Global Lounge Collection. You'll also automatically earn Gold Status with the Marriott Bonvoy and Hilton Honors programs. (Select benefits require enrollment.)®

Card Details
  • Earn 80,000 Membership Rewards points after spending $6,000 in the first 6 months
  • 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
  • Terms apply

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

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

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

Current Offer

Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months

Annual Fee

$99 (waived first year)

Rewards Rate

2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases

Why We Like It

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a solid airline credit card with a generous sign-up offer and exclusive perks when flying American Airlines.

Cardholders will enjoy their first checked bag free, preferred boarding, and savings on eligible in-flight purchases.

Earn 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases.

Card Details
  • Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months
  • 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases

Best cashback credit cards

Current Offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual Fee

$0

Rewards Rate

1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)

Why We Like It

If you want a rewards credit card and don’t want to worry about rotating spending categories, consider the Capital One Quicksilver Cash Rewards Credit Card. It’s a simple, easy-to-use card that offers a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

The Capital One Quicksilver card also offers a competitive 0% introductory APR for 15 months on purchases and balance transfers, then a 17.99% - 27.99% (variable) APR. There is a 3% fee on balances transferred within the first 15 months.

The card also has a welcome bonus for new cardmembers, an unexpected perk for a card that has no annual fee.

Card Details
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Annual Fee

$0

Why We Like It

The Bank of America® Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases.

Earn 3% cash back on the category of your choice — dining, drugstores, gas, home improvement/furnishings, online shopping, or travel; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.

Cardholders also benefit from a long introductory APR on purchases and qualifying balance transfers.

Card Details
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • New longer intro period! 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, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • 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.

Current Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Why We Like It

If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card could be a good option for you. Cardmembers can earn 2% cash rewards on purchases.

This card also offers a 0% intro APR on qualifying balance transfers and purchases for 15 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR. Those looking for straightforward rewards and an introductory APR will likely find value in this card.

Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in 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 18.74%, 23.74%, or 28.74% 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 categories to track or remember 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 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Current Offer

Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that

Annual Fee

$0

Rewards Rate

up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases

Why We Like It

The Citi® Double Cash Card lets you earn cash back twice. Earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% (variable) APR, and no annual fee.

Card Details
  • Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • Intro balance transfer 0% APR offer: 0% for 18 months then 17.74% to 27.74% (variable)

Current Offer

Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year

Annual Fee

$0

Rewards Rate

5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases

Why We Like It

With no annual fee, the Chase Freedom Unlimited® card is a powerful rewards credit card. It has an easy-to-earn and potentially lucrative sign-up bonus for new cardholders.

When spending with this card, you can earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases. You can earn 5% on Lyft rides as well.

It's a fantastic everyday use card - you'll earn at least 1.5% cash back whenever you shop.

Card Details
  • Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year
  • 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 18.74% - 27.49% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 18.74% - 27.49% (variable)

Current Offer

Earn $200 cash back after spending $500 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases

Why We Like It

With the Chase Freedom Flex℠, you can earn 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases. You'll also be able to activate a different 5% bonus category each quarter. 

With no annual fee, the Chase Freedom Flex is a great option for both regular travel spending and everyday purchases. With the added earning potential of the rotating bonus category, the Flex could be a powerful tool for earning valuable Ultimate Rewards points.

The Chase Freedom Flex also provides purchase protection, extended warranty coverage, and cell phone protection.

Card Details
  • Earn $200 cash back after spending $500 on purchases in the first 3 months
  • 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 18.74% to 27.49% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 18.74% to 27.49% (variable)

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Current Offer

Earn a $300 cash bonus after spending $3,000 in the first 3 months

Annual Fee

$95

Rewards Rate

10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases

Why We Like It

For foodies who spend a significant amount of money on dining and entertainment, the Capital One Savor Cash Rewards Credit Card card can be an excellent rewards card option. It has a valuable welcome offer for new cardmembers.

You’ll earn unlimited 4% cash back on dining, entertainment, and select streaming services and  3% cash back at grocery stores (excluding superstores such as Walmart® and Target®). If you tend to spend lots of money at restaurants and bars, you can quickly rack up valuable rewards.

Gourmands will enjoy access to culinary and dining experiences, including five-star meals, intimate dinners, and chef-curated cuisine.

Card Details
  • Earn a $300 cash bonus after spending $3,000 in the first 3 months
  • 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases

Current Offer

Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months

Annual Fee

$0

Rewards Rate

3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases

Why We Like It

If you have good to excellent credit and want a rewards credit card that allows you to earn valuable cash back on your most common purchases, the Blue Cash Everyday® Card from American Express may be a good match for you.

You’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases. Cash back is received in the form of statement credits. There’s also a welcome bonus, a nice perk for a card that has no annual fee.

The Blue Cash Everyday card is also good for large purchases with a 0% intro APR on purchases for 15 months, then 17.74% to 28.74% (variable) APR after that.

Card Details
  • Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months
  • 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.74% to 28.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.74% to 28.74% (variable)
  • Terms apply

Current Offer

Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months

Annual Fee

$95 (waived first year)

Rewards Rate

6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases

Why We Like It

If you’re looking for a powerful rewards card, the Blue Cash Preferred® Card from American Express allows you to earn up to a whopping 6% cash back in select categories. 

You’ll earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases. Cash back is received in the form of statement credits.

The card does have a generous welcome offer and is a great card for large purchases and balance transfers.

Card Details
  • Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months
  • 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases
  • Intro purchase 0% APR offer: 0% for 12 months then 17.74% to 28.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 12 months then 17.74% to 28.74% (variable)
  • Terms apply


Best balance transfer credit cards

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Current Offer

Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that

Annual Fee

$0

Rewards Rate

up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases

Why We Like It

The Citi® Double Cash Card lets you earn cash back twice. Earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% (variable) APR, and no annual fee.

Card Details
  • Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • Intro balance transfer 0% APR offer: 0% for 18 months then 17.74% to 27.74% (variable)

Citi Simplicity® Card

Citi Simplicity® Card

Citi Simplicity® Card

Current Offer

Long introductory APR period on balance transfers

Annual Fee

$0

Why We Like It

The Citi Simplicity® Card is a great option for anyone who is looking for a long introductory APR period. Cardholders can enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After that your balance will be subject to the regular 17.74% to 28.49% (variable) APR, based upon your creditworthiness.

Cardholders also don't need to worry about fees: There are no late fees, penalty fees, or annual fees with this no-frills, high-impact card.

Card Details
  • Long introductory APR period on balance transfers
  • Intro purchase 0% APR offer: 0% for 12 months then 17.74% to 28.49% (variable)
  • Intro balance transfer 0% APR offer: 0% for 21 months then 17.74% to 28.49% (variable)

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Current Offer

Earn $200 cash back after spending $1500 on purchases in the first 6 months

Annual Fee

$0

Rewards Rate

5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases

Why We Like It

The Citi Custom Cash℠ Card is a great option for those who want flexible cash rewards, with no annual fee, and the option to pay off existing credit card debt over time. Cardholders earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases.

In addition to generous cash back, the Citi Custom Cash Card offers a 0% introductory APR on balance transfers and purchases for 15 months, then 17.74% to 27.74% (variable) APR after that.

Card Details
  • Earn $200 cash back after spending $1500 on purchases in the first 6 months
  • 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.74% to 27.74% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.74% to 27.74% (variable)

Current Offer

Intro APR on balance transfers and purchases for first 18 months

Annual Fee

$0

Why We Like It

The Chase Slate Edge℠ is a great card for anyone who is interested in making balance transfers and having a card with an ongoing low interest rate.

Cardholders can benefit from this card's 0% intro apr on balance transfers and purchases for first 18 months. After that intro period, you'll be automatically considered for a reduction of your regular APR. You could reduce your rate by 2% if you pay on time and spend a minimum of $1,000 per card anniversary year.

You'll also be eligible for an automatic review for a credit limit increase if you pay on time and spend $500 in the first six months of being a cardholder.

Card Details
  • Intro APR on balance transfers and purchases for first 18 months
  • Intro purchase 0% APR offer: 0% for 18 months then 18.74% - 27.49% (variable)
  • Intro balance transfer 0% APR offer: 0% for 18 months then 18.74% - 27.49% (variable)

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Current Offer

Long introductory APR period for balance transfers

Annual Fee

$0

Why We Like It

The Citi® Diamond Preferred® Card is a great option if you need to finance a large purchase or have existing credit card debt and would like to pay it down over time. 

Cardholders can enjoy a 0% intro purchase APR for 12 months from date of account opening and a 0% intro APR on balance transfers for 21 months from the date of first transfer. After that, the regular 16.74% to 27.49% (variable) APR will apply.

In addition to its introductory APR, this card also has no annual fee, making it a solid, inexpensive option.

Card Details
  • Long introductory APR period for balance transfers
  • Intro purchase 0% APR offer: 0% for 12 months then 16.74% to 27.49% (variable)
  • Intro balance transfer 0% APR offer: 0% for 21 months then 16.74% to 27.49% (variable)

Citi Rewards+® Card

Citi Rewards+® Card

Citi Rewards+® Card

Current Offer

Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)

Annual Fee

$0

Rewards Rate

2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases

Why We Like It

The Citi Rewards+® Card is a great option for those who enjoy earning rewards on their everyday purchases.

Cardmembers earn 2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases.

This card is good for smaller purchases because every purchase rounds up to the nearest 10 points. So both a $1 item and a $9 item will earn you 10 points. 

Citi Rewards+ cardmembers can also enjoy an introductory offer on new purchases and balance transfers, a valuable welcome offer, and no annual fee.

Card Details
  • Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter)
  • 2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.24% to 27.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.24% to 27.24% (variable)

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Current Offer

Long introductory APR period on purchases and balance transfers

Annual Fee

$0

Why We Like It

The U.S. Bank Visa® Platinum Card is a great option for individuals looking for a card with a lengthy 0% introductory APR offer period.

Cardholders enjoy 0% introductory APR on new purchases and balance transfers for 18 billing cycles, then 18.24% to 28.24% (variable) APR. And while it doesn't earn rewards, it does offer no annual fee, making it an inexpensive option.

Card Details
  • Long introductory APR period on purchases and balance transfers
  • Intro purchase 0% APR offer: 0% for 18 billing cycles then 18.24% to 28.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 18 billing cycles then 18.24% to 28.24% (variable)

Best credit cards for building credit

Current Offer

Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account

Annual Fee

$0

Rewards Rate

1% cash back for each $1 spent

Why We Like It

Students looking to build credit, but not give up perks, should take a look at the Chase Freedom® Student credit card. 

Cardholders can enjoy $20 each year in Good Standing Rewards for up to 5 years when requirements are met, along with no annual fee, 

Earn 1% cash back on all purchases.

Card Details
  • Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account
  • 1% cash back for each $1 spent

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Current Offer

Reports to all three major credit bureaus

Annual Fee

$0

Rewards Rate

Unlimited 1% cash back on purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back

Why We Like It

The Petal 2 Visa is a great option for anyone looking to build credit while earning rewards. Petal 2 is one of the only cards you can get without a credit history or an upfront deposit.

You can earn 1.5% unlimited cash back on all purchases after 12 on-time payments. Plus, there's no annual fees, late payment fees, or foreign transaction fees.

Card Details
  • Reports to all three major credit bureaus
  • Unlimited 1% cash back on purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card

Current Offer

Earn $100 after spending $100 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

unlimited 1.5% cash back on every purchase, every day; 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Why We Like It

For students looking to earn cash back on their everyday purchases, the Capital One Quicksilver Student Cash Rewards Credit Card makes the grade. This card offers unlimited 1.5% cash back on every purchase, every day; 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

In addition to flat-rate, unlimited cash back, this no-annual-fee card also comes with other perks. Cardholders get automatic consideration for a higher credit line after 6 months, and students traveling abroad can benefit from no foreign transaction fees on their purchases.

Card Details
  • Earn $100 after spending $100 in the first 3 months (limited time offer)
  • unlimited 1.5% cash back on every purchase, every day; 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card

Current Offer

1.5% cash back on every purchase, every day

Annual Fee

$0

Rewards Rate

unlimited 1.5% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Why We Like It

The Capital One Quicksilver Secured Cash Rewards Credit Card is an attractive entry point into the Capital One suite of credit cards for those who need to rebuild their credit. By using this card responsibly, your credit line can increase over time and you can eventually graduate to an unsecured Capital One credit card.

While building your credit, you can earn 1.5% cash back on every purchase, every day. Also, this card has a $0 annual fee and no foreign transaction fees.

Card Details
  • 1.5% cash back on every purchase, every day
  • unlimited 1.5% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Best business cards

Current Offer

Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months

Annual Fee

$195

Rewards Rate

5% cash back on travel purchases made through Chase Ultimate Rewards; 2.5% cash back on purchases of $5,000 or more; 2% cash back on all other business purchases

Why We Like It

For business owners who prefer to pay their balance in full each month, the New Business Card! Ink Business Premier℠ Credit Card offers Increased spending power, competitive rewards for business spending, and strong travel benefits. 

Small business owners who pay in full will gain greater spending capacity, and for eligible purchases, the Flex for Business benefit offers the ability to pay off certain purchases over time with interest.

Cardholders can earn unlimited 2.5% on purchases of $5,000 or more and 2% on all other business purchases. For travel, the Ink Business Premier offers unlimited 5% on travel purchases made through Chase Ultimate Rewards, no foreign transaction fees, and several travel protections that include primary rental car collision insurance and roadside dispatch.

The Ink Business Premier also offers additional employee cards at no added cost to track spending and increase reward earnings. Pay your monthly cell phone bill with this card and receive cell phone coverage for yourself and each employee listed on your bill  (up to $1,000 per claim, max 3 claims per year, $100 deductible per claim.)

Card Details
  • Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months
  • 5% cash back on travel purchases made through Chase Ultimate Rewards; 2.5% cash back on purchases of $5,000 or more; 2% cash back on all other business purchases

Current Offer

Earn 100,000 points after spending $15,000 in the first 3 months

Annual Fee

$95

Rewards Rate

3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

Why We Like It

For business owners looking for a rewards card with premium benefits, the Ink Business Preferred® Credit Card is a standout option. It has a lucrative sign-up bonus, valuable rewards program, and flexible redemption options.

With this card, you’ll earn 3X Chase Ultimate Rewards points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines.

It also has comprehensive travel benefits, including trip cancellation and interruption insurance, primary car rental insurance, and cell phone protection.

Card Details
  • Earn 100,000 points after spending $15,000 in the first 3 months
  • 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

Current Offer

Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else

Why We Like It

If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash® Credit Card. It has no annual fee, a valuable sign-up bonus for new cardmembers, and rewards for common business purchases.

You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

With the Ink Business Cash card, you’ll earn 5% cash back at office supply stores and internet, cable, or phone services (up to $25,000 combined annually). You’ll also earn 2% cash back at gas stations and restaurants (up to $25,000 combined annually).

Card Details
  • Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)
  • 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else
  • Intro purchase 0% APR offer: 0% for 12 months then 16.99% - 22.99% (variable)

Current Offer

Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

1.5% cash back on all spending

Why We Like It

The Ink Business Unlimited® Credit Card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn sign-up bonus, a flat rewards structure on all purchases, and an introductory APR offer on purchases that can help you save money. And, there’s no annual fee.

You’ll earn a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

If you have a major purchase coming up for your business, you can take advantage of this card’s 0% introductory APR. You’ll get 0% APR on purchases for 12 months after account opening (then 16.99% - 22.99% (variable)), giving you a full year to pay down your balance without paying interest charges.

Card Details
  • Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer)
  • 1.5% cash back on all spending
  • Intro purchase 0% APR offer: 0% for 12 months then 16.99% - 22.99% (variable)

Current Offer

80,000 points after you spend $5,000 in the first 3 months

Annual Fee

$199

Rewards Rate

4X points on Southwest purchases; 3X on Rapid Rewards hotel and car partners; 2X on local transit and commuting, rideshare, social media and search engine advertising, internet, cable, and phone services; and 1X on everything else

Why We Like It

The Southwest® Rapid Rewards® Performance Business Credit Card is a good credit card for budget-conscious business owners who travel often for work, and who prefer to fly on Southwest Airlines.

The card offers a large sign-up bonus for new cardmembers, a high rewards rate on Southwest Airlines purchases, and extra perks to enhance your travel experience.

Every year on your cardmember anniversary, you’ll receive 9,000 bonus points. This bonus can help you earn Southwest A-list status and a Companion Pass. Each year, you can also take advantage of four upgraded boardings, when available.

Card Details
  • 80,000 points after you spend $5,000 in the first 3 months
  • 4X points on Southwest purchases; 3X on Rapid Rewards hotel and car partners; 2X on local transit and commuting, rideshare, social media and search engine advertising, internet, cable, and phone services; and 1X on everything else

Current Offer

Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

2% cash back on the first $50,000 in eligible purchases each year, then 1% after that

Why We Like It

For business owners who want to earn rewards without worrying about expensive fees, the American Express Blue Business Cash™ Card is a great option. It has no annual fee and offers a simple rewards structure that’s perfect for busy business owners who don’t want to think about different spending categories.

With the Blue Business Cash Card, you’ll earn 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that. Cash back is received in the form of statement credits.

This is also a good card for large purchases.

Card Details
  • Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months
  • 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that
  • Intro purchase 0% APR offer: 0% for 12 months then 16.99% to 24.99% (variable)
  • Terms apply

Current Offer

Earn 15,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that

Why We Like It

The Blue Business® Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases with no annual fee.

Cardmembers can create employee cards, designate an account manager, and receive a complete year-end summary each year. 

Earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that.

Card Details
  • Earn 15,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months
  • 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that
  • Intro purchase 0% APR offer: 0% for 12 months then 16.99% to 24.99% (variable)
  • Terms apply

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Current Offer

Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months

Annual Fee

$99 (waived first year)

Rewards Rate

Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases in select business categories (telecommunications, cable, satellite, car rental, gas), and 1X miles on other purchases

Why We Like It

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a great option for businesses that frequently fly on American Airlines with high travel expenses. Cardholders enjoy perks like a first checked bag free and preferred boarding on American Airlines flights.

Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases in select business categories (telecommunications, cable, satellite, car rental, gas), and 1X miles on other purchases.

Card Details
  • Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months
  • Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases in select business categories (telecommunications, cable, satellite, car rental, gas), and 1X miles on other purchases

Current Offer

Earn 50,000 bonus miles after spending $2,000 in the first 3 months

Annual Fee

$99 (waived first year)

Rewards Rate

2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases

Why We Like It

The Delta SkyMiles® Gold Business American Express Card is a solid travel rewards card for Delta Air Lines travelers.

Cardmembers enjoy benefits such as first checked bag free, 20% in-flight savings on eligible purchases, and no foreign transaction fees.

Earn 2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases.

Card Details
  • Earn 50,000 bonus miles after spending $2,000 in the first 3 months
  • 2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases
  • Terms apply

Current Offer

Earn 130,000 Hilton Honors Bonus Points after spending $5,000 in the first 3 months (plus earn a Free Night Reward after spending $10,000 in the first 6 months; limited time offer ends 12/21/22)

Annual Fee

$95

Rewards Rate

12X Hilton Honors Bonus Points on direct purchases with Hilton; 6X at U.S. gas stations, cell phone services from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals; and 3X on all other eligible purchases

Why We Like It

The Hilton Honors American Express Business Card is a highly regarded hotel rewards credit card offering generous benefits for business travelers.

Cardmembers receive complimentary Hilton Honors Gold Status, qualifying them for an 80% bonus on all Base Points, space-available room upgrades, daily food and beverage credit or continental breakfast (depending on the property), and more.

Earn 12X Hilton Honors Bonus Points on direct purchases with Hilton; 6X at U.S. gas stations, cell phone services from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals; and 3X on all other eligible purchases.

Card Details
  • Earn 130,000 Hilton Honors Bonus Points after spending $5,000 in the first 3 months (plus earn a Free Night Reward after spending $10,000 in the first 6 months; limited time offer ends 12/21/22)
  • 12X Hilton Honors Bonus Points on direct purchases with Hilton; 6X at U.S. gas stations, cell phone services from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals; and 3X on all other eligible purchases
  • Terms apply

Current Offer

Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months

Annual Fee

$295

Rewards Rate

4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases

Why We Like It

If you’re a business owner looking for a rewards credit card that offers great travel benefits, the American Express® Business Gold Card is a good choice for you. 

It has a robust welcome offer for new cardmembers, and you can earn valuable rewards on some of your most common business expenses. You’ll earn 4X points per $1 spent on two select categories (up to $150,000 annually, after that 1X) where your business spends the most money.

If you travel often for work, this card is an excellent addition to your wallet. When you book your flight with American Express Travel with your Membership Rewards Points, you’ll get 25% of those points back, up to 250,000 points per year.

Card Details
  • Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months
  • 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases
  • Terms apply

Current Offer

Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months

Annual Fee

$695

Rewards Rate

5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases

Why We Like It

The Business Platinum Card® from American Express is best for business owners looking for a rewards card with premium benefits. If you make major purchases throughout the year and travel often, the card can be very useful to you and your business.

New cardmembers can earn a lucrative welcome bonus and generous rewards. You’ll also earn 5X points per $1 spent on flights and prepaid hotels on Amextravel.com. On all other eligible purchases, you’ll get 1X point per $1 spent. However, on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X), you receive 1.5X points per $1 spent.

You’ll get Centurion Lounge access at airports, as well as access to the American Express Global Lounge Collection, Delta Sky Club, and Priority Pass Select. Each year, you’ll get up to $200 in airline credits to reimburse you for fees paid to an airline of your choice.

Card Details
  • Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months
  • 5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases
  • Terms apply

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Current Offer

Earn up to $1,000 cash bonus — $500 after spending $5,000 in the first 3 months, plus $500 after spending $50,000 in the first 6 months

Annual Fee

$150

Rewards Rate

2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel

Why We Like It

The Capital One Spark Cash Plus is a strong contender for business owners wanting to earn cash back to reinvest into their business. Because it's a charge card, there's no preset spending limit, making it flexible as your business grows.

Cardholders can request free employee cards and redeem cash back rewards at any time.

Earn 2% unlimited cash back on every purchase, every day.

Card Details
  • Earn up to $1,000 cash bonus — $500 after spending $5,000 in the first 3 months, plus $500 after spending $50,000 in the first 6 months
  • 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel

Capital One Spark Miles for Business

Capital One Spark Miles for Business

Capital One Spark Miles for Business

Current Offer

Earn 50,000 miles after spending $4,500 in the first 3 months

Annual Fee

$95 (waived first year)

Rewards Rate

5X miles on rental cars and hotels booked through Capital One Travel, and 2X miles on every purchase, every day

Why We Like It

The Capital One Spark Miles for Business offers business owners a straightforward, simple rewards program with flexible options for redeeming rewards.

Cardholders can request free employee cards, generate expense summaries, and benefit from no foreign transaction fees.

Earn 5X miles on rental cars and hotels booked through Capital One Travel, and 2X on every purchase, every day — no blackouts, seat restrictions, or minimum to redeem rewards.

Card Details
  • Earn 50,000 miles after spending $4,500 in the first 3 months
  • 5X miles on rental cars and hotels booked through Capital One Travel, and 2X miles on every purchase, every day

Current Offer

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months

Annual Fee

$99 (waived first year)

Rewards Rate

2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

Why We Like It

The United℠ Business Card is best for business travelers who regularly fly on United and are looking for valuable rewards and travel benefits. This card boasts perks to make your next trip more pleasant.

With the United Business card, you’ll earn 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else.

Each year, United Business cardmembers who make seven United flight purchases of $100 or more will receive a $100 United travel credit. On your cardmember anniversary each year, United will add two one-time United Club passes to your account, giving you airport lounge access. 

On all United flights, you and your travel companions on the same reservation get priority boarding. When you pay for your flight with your card, you and one companion also get one free checked bag on all United flights.

Card Details
  • Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months
  • 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

Compare the best credit cards of 2022

Best travel cards
Best for … Welcome offer Earning rate Annual fee
Chase Sapphire Preferred® Card Points and miles beginners Earn 60,000 points after spending $4,000 on purchases in the first 3 months 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases $95
Capital One Venture X Rewards Credit Card Luxury travel perks with a lower annual fee Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening 2X miles per dollar on every purchase, every day; 10X miles on hotels and rental cars booked through Capital One Travel, 10X miles per dollar when you book on Turo through May 16, 2023; and 5X miles on flights booked through Capital One Travel $395
Capital One Venture Rewards Credit Card Low annual fee with impressive perks Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening 2X miles per dollar on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel and 5X miles per dollar when you book on Turo through May 16, 2023 $95
Bank of America® Travel Rewards credit card Straightforward earnings rate Earn 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 1.5 points per $1 spent on all purchases $0
Citi Premier® Card Useful bonus categories Earn 80,000 bonus points after spending $4,000 in the first 3 months 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases $95
U.S. Bank Altitude® Connect Visa Signature® Card Useful perks Earn 50,000 bonus points after spending $2,000 on purchases in the first 120 days 5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel, at gas stations, and at EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases $95 (waived first year)
The Platinum Card® from American Express Luxury travel perks Earn 80,000 Membership Rewards points after spending $6,000 in the first 6 months 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases $695 (Terms apply)
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Earning American Airlines AAdvantage miles Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases $99 (waived first year)
Best cashback credit cards
Best for … Welcome offer Earning rate Annual fee
Capital One Quicksilver Cash Rewards Credit Card Simple rewards with no annual fee Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply) $0
Bank of America®️ Customized Cash Rewards Credit Card for Students Choosing your bonus category $200 cash rewards bonus after spending a $1,000 on purchases in the first 90 days 3% cash back in a category of your choice and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 quarterly for these two categories combined); and 1% cash back on all other purchases $0
Wells Fargo Active Cash® Card Simple earnings rate $200 cash rewards bonus after spending $1,000 in the first 3 months Earn 2% cash rewards on purchases $0
Citi® Double Cash Card - 18 month BT offer Lengthy balance transfer period and a simple earnings rate Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases $0
Citi® Double Cash Card - 18 month BT offer Additional cash back during the first year Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases $0
Chase Freedom Flex℠ Generous earnings on rotating categories Earn $200 cash back after spending $500 on purchases in the first 3 months 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases $0
Capital One Savor Cash Rewards Credit Card Rewards on dining, entertainment, and streaming Earn a $300 cash bonus after spending $3,000 in the first 3 months 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases $95
Blue Cash Everyday® Card from American Express Cash back with no annual fee Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases $0 (Terms apply)
Blue Cash Preferred® Card from American Express Cash back at U.S. supermarkets Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases $95 (waived first year) (Terms apply)
Best balance transfer credit cards
Best for … Welcome offer Earning rate Annual fee
Capital One Quicksilver Cash Rewards Credit Card Simple rewards with no annual fee Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply) $0
Citi® Double Cash Card - 18 month BT offer Additional cash back during the first year Introductory APR on Balance Transfers: 0% intro APR on balance transfers for 18 months, then 17.74% to 27.74% variable APR after that up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases $0
Citi Simplicity® Card No late fees Long introductory APR period on balance transfers $0
Citi Custom Cash℠ Card Flexible cash rewards Earn $200 cash back after spending $1500 on purchases in the first 6 months 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases $0
Chase Slate Edge℠ Automatic reviews for credit limit increases Intro APR on balance transfers and purchases for first 18 months $0
Citi® Diamond Preferred® Card Long introductory period Long introductory APR period for balance transfers $0
Citi Rewards+® Card Rounding up points Earn 20,000 points after spending $1,500 on purchases in the first 3 months (plus, earn 5X points at restaurants, up to $6,000 in the first 12 months, then 1X points thereafter) 2X points at supermarkets and gas stations on the first $6,000 in purchases per year (and then 1X points thereafter), and 1X points on all other purchases $0
U.S. Bank Visa® Platinum Card No annual fee Long introductory APR period on purchases and balance transfers $0
Best credit cards for building credit
Best for … Welcome offer Earning rate Annual fee
Chase Freedom® Student credit card Achievable sign-up bonus Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account 1% cash back for each $1 spent $0
Petal® 2 "Cash Back, No Fees" Visa® Credit Card No annual fees or late fees Reports to all three major credit bureaus Unlimited 1% cash back on purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back $0
Capital One Quicksilver Student Cash Rewards Credit Card Unlimited cash back Earn $100 after spending $100 in the first 3 months (limited time offer) unlimited 1.5% cash back on every purchase, every day; 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel $0
Capital One Quicksilver Secured Cash Rewards Credit Card Secured card with cash back rewards 1.5% cash back on every purchase, every day unlimited 1.5% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel $0
Best business cards
Best for … Welcome offer Earning rate Annual fee
New Business Card! Ink Business Premier℠ Credit Card Large business expenses Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months 5% cash back on travel purchases made through Chase Ultimate Rewards; 2.5% cash back on purchases of $5,000 or more; 2% cash back on all other business purchases $195
Ink Business Preferred® Credit Card Generous welcome offer Earn 100,000 points after spending $15,000 in the first 3 months 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else $95
Ink Business Cash® Credit Card No annual fee Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer) 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else $0
Ink Business Unlimited® Credit Card Simple cash back Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer) 1.5% cash back on all spending $0
Southwest® Rapid Rewards® Performance Business Credit Card Earning Southwest Rapid Rewards 80,000 points after you spend $5,000 in the first 3 months 4X points on Southwest purchases; 3X on Rapid Rewards hotel and car partners; 2X on local transit and commuting, rideshare, social media and search engine advertising, internet, cable, and phone services; and 1X on everything else $199
American Express Blue Business Cash™ Card Introductory APR on purchases Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that $0 (Terms apply)
The Blue Business® Plus Credit Card from American Express Small business owners Earn 15,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that $0 (Terms apply)
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Earning American Airlines AAdvantage miles Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases in select business categories (telecommunications, cable, satellite, car rental, gas), and 1X miles on other purchases $99 (waived first year)
Delta SkyMiles® Gold Business American Express Card Earning Delta SkyMiles Earn 50,000 bonus miles after spending $2,000 in the first 3 months 2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases $99 (waived first year) (Terms apply)
Hilton Honors American Express Card Earning Hilton Honors bonus points Earn 80,000 Hilton Honors Bonus Points after spending $1,000 in the first 3 months 7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases $0 (Terms apply)
American Express® Business Gold Card Selecting bonus categories Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases $295 (Terms apply)
The Business Platinum Card® from American Express Frequent travelers Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months 5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases $695 (Terms apply)
Capital One Spark Cash Plus Simple cash back earnings Earn up to $1,000 cash bonus — $500 after spending $5,000 in the first 3 months, plus $500 after spending $50,000 in the first 6 months 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel $150
Capital One Spark Miles for Business Simple miles earnings Earn 50,000 miles after spending $4,500 in the first 3 months 5X miles on rental cars and hotels booked through Capital One Travel, and 2X miles on every purchase, every day $95 (waived first year)
United℠ Business Card Earning United miles Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else $99 (waived first year)

How to choose the best credit card

Choosing the best credit card for you generally comes down to six different factors.

1. Your credit score and credit history

Lenders use your credit score and credit history to help determine whether they should give you any money in the form of credit. Many lenders check your FICO score, which is a type of credit score. FICO scores typically use these ranges:

  • Excellent: 800 to 850
  • Very good: 740 to 799
  • Good: 670 to 739
  • Fair: 580 to 669
  • Poor: 300 to 579

You usually need at least a good credit score for many of the better credit card options out there, or credit cards with elevated rewards and benefits. But there are also credit cards available if you have a fair or poor credit score or no credit history at all.

2. Welcome offers

A welcome offer, welcome bonus, or sign-up bonus is typically an offer for new cardmembers that’s available on rewards credit cards. These offers can vary, but they often follow the format of giving you a substantial amount of rewards for spending a certain amount of money on the applicable card within a few or more months of signing up.

For example, the Chase Sapphire Preferred® Card provides this sign-up bonus: Earn 60,000 points after spending $4,000 on purchases in the first 3 months.

Welcome offers can provide loads of value and should be considered if you’re comparing multiple credit cards. If two credit cards generally offer the same benefits, the one with the higher welcome bonus might be the better choice.

3. Types of rewards

You can typically earn credit card rewards in the form of points, miles, or cash back. Points and miles are often best suited if you prefer to redeem rewards for travel, such as flights or hotel stays. Cash back is likely best for you if you don’t need travel redemptions and prefer the opportunity to save money on everyday expenses.

4. Rewards categories

Along with earning different types of rewards, you can also earn rewards in different ways:

  • Flat-rate rewards: You earn the same rewards rate on every purchase.
  • Bonus categories: You earn more rewards on specific purchases.
  • Rotating categories: You earn more rewards on specific purchases at certain times of the year.

You might prefer a card with flat-rate rewards because it’s simple and you likely wouldn’t have to carry more than one card in your wallet.

But you might discover that your spending habits typically align with certain types of purchases, such as groceries and gas. If that’s the case, having a card that earns more rewards in those bonus categories could provide more value.

If you find your expenses tend to vary, a credit card with rotating bonus categories might make sense. The rotating categories often align with common expenses, so you can potentially earn plenty of rewards on your everyday purchases throughout the year.

5. Annual fees

Some credit cards have annual fees, while others don’t. Cards with annual fees tend to have more benefits, but you have to consider the annual cost against the value of the benefits to see if it’s worth it for you.

Keep in mind that both credit cards with annual fees and no-annual-fee cards could be worth it depending on your situation. So don’t be thrown off immediately if a card has an annual fee.

6. Interest and other fees

We don’t recommend using credit cards if you plan to carry a balance that will end up collecting interest. Or making late payments and having to pay fees. But sometimes things happen and it’s reasonable to be aware of a credit card’s interest rate and other fees.

And if you’re looking for a low-interest credit card, it could make sense to find a card with a 0% intro APR on purchases and/or balance transfers. This could help you avoid interest charges if you have an upcoming large purchase or want to pay down an existing balance.

Callout box: Note that in some cases you might choose a credit card depending on the payment network, such as Visa, Mastercard, Discover, or American Express. For example, Visa and Mastercard credit cards are typically accepted worldwide, but Amex cards aren’t as globally accepted.

5 types of credit cards

Credit card companies provide many different types of credit cards to help people meet their specific financial goals. For example, you might want to earn rewards on everyday purchases, so you could be interested in comparing the best rewards credit cards.

But do you want to earn bonus rewards in the form of cash back, points, or miles? And are you interested in earning a welcome bonus after spending a certain amount on your card within a few months of account opening? Or can you float an annual fee?

It can get slightly overwhelming trying to narrow down the type of credit card that might be right for you. To make it simple, we’ve separated the different types of cards into five primary categories and who they might be best for:

1. Travel credit cards

Travel credit cards focus on earning travel rewards in the form of points or miles and providing travel-related benefits. You can typically redeem your points or miles toward many types of common travel expenses, including flights, hotel stays, and rental cars.

Travel benefits vary by card, but could include:

  • Airport lounge access
  • Travel credit
  • Elite status with a loyalty program such as Hilton Honors or Marriott Bonvoy

You should choose a travel credit card if you want to earn rewards that you can redeem toward travel and you want benefits that can enhance your travel experiences.

Here are our picks for the best travel credit cards.

2. Cashback credit cards

Cashback credit cards are a type of rewards card that earn cash back rather than points or miles. Cashback redemptions vary by card, but could include:

  • Statement credits
  • Deposits into a linked bank account
  • Mailed checks

You should choose a cashback credit card if you prefer earning cash back over points or miles. This typically means you’re not as interested in redeeming rewards for travel.

Check out our picks for the best cashback credit cards.

3. Balance transfer

Balance transfer credit cards often provide a 0% intro APR offer on balance transfers for a certain amount of time, usually between 12 and 18 months. This type of offer gives you an opportunity to move debt from another credit product onto your new credit card and not have to pay interest on the balance for the specified amount of time.

Note that you typically have to pay a balance transfer fee to do a balance transfer, regardless of whether you have an intro APR offer.

You should choose a balance transfer credit card if you need some time to pay off debt without worrying about interest charges for a while.

Find out more about the best balance transfer cards.

4. Credit cards for building credit

Credit cards for building credit are designed to help you build your credit history and improve your credit score if you have fair credit, bad credit, or no credit. Just about any credit card can help you build your credit, but you likely won’t qualify for all types of cards if you have little or no credit history.

Fortunately, secured credit cards exist, as well as other cards that don’t have strict credit requirements. These types of cards don’t typically have high credit limits or many benefits, and secured credit cards have a required security deposit. But they can help you build your credit score and qualify for better credit cards and other credit products.

You should choose a credit card for building credit if you don’t qualify for other credit cards with elevated rewards and benefits.

5. Business cards

Business credit cards are for small business owners with business expenses. There’s not much difference between personal credit cards and business credit cards, but you might find specific business-related benefits and rewards on a business card.

Business credit cards also typically have little impact on your personal credit score, even though you often need a decent credit score to qualify for many business cards. Additionally, business credit cards can help you separate personal and business expenses for tax purposes.

You should choose a business credit card if you’re a small business owner who wants to separate personal and business expenses while benefiting from specific business-related card perks.

Check out our list of the best small business credit cards.

FAQs

Does opening a credit card hurt my credit?

Opening a credit card can negatively impact your credit score in two ways:

  1. Lenders check your credit reports with a hard inquiry that can cause a small drop in your credit score.
  2. A new credit card lowers the average age of your credit accounts and potentially your credit score as well.

Hard inquiries stay on your credit report for two years, but they typically only affect your credit score for one year.

How often should you use a credit card to build credit?

Credit card issuers and other lenders typically report your credit usage on a monthly basis, so it makes sense to use your credit card each month. This will help build your credit score and keep your credit account active as long as you’re making full and on-time payments.

Bottom line

The best credit card for you depends on your preferences and financial goals. Be sure to look at multiple cards, their benefits, and their credit score requirements to select the best card for you.

Methodology

We evaluated cards from our partners on a variety of factors to determine which cards to feature in each category. These factors include intro APRs, ongoing APRs, rewards programs, fees, and overall consumer value. We did not evaluate or include all cards available.

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.