| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
2025 award winner
Best Overall Travel Credit Card
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Apply Now
Chase Sapphire PreferredĀ® Card 4.9
|
1X - 5X
Points
|
75,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.74% - 27.99% Variable
|
$95
|
/images/2024/12/16/bofa-travel.png)
Apply Now
Bank of AmericaĀ® Travel Rewards credit card 4.4
Apply Now
on Bank of America's secure website
|
1.5X - 3X
Points
|
25,000
Points
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.99% - 27.99% Variable
|
$0
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Apply Now
Discover itĀ® Cash Back 4.7
|
1% - 5%
Cash back
|
Cashback Matchā¢
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
17.99% - 26.99% Variable
|
$0
|
|
2025 award winner
Best for Simple Travel Rewards
/images/2024/12/18/capital_one_venture_rewards_card_art.png)
Apply Now
Capital One Venture Rewards Credit Card 4.7
|
2X - 5X
Miles
|
75,000 Miles
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.99% - 28.99% (Variable)
|
$95
|
/images/2025/07/16/citi_strata_elite_card_art.png)
Apply Now
Citi Strata Eliteā Card 4.8
|
1.5X - 12X
Points
|
100,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
20.99% - 28.99% (Variable)
|
$595
|
/images/2024/12/16/citi-double-cash.jpg)
Apply Now
Citi Double CashĀ® Card 5.0
|
2% - 5%
Cash back
|
$200
|
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
17.99% - 27.99% (Variable)
|
$0
|
|
2025 award winner
Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Apply Now
Chase Freedom UnlimitedĀ® 4.7
|
1.5% - 5%
Cash Back
|
$200
Bonus
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.74% - 28.24% Variable
|
$0
|
|
2025 award winner
Best Premium Travel Credit Card
/images/2024/12/18/capital_one_venture_x_card_art_-_12-18-24.png)
Apply Now
Capital One Venture X Rewards Credit Card 4.9
|
2X - 10X
Miles
|
75,000
Miles
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.99% - 28.99% (Variable)
|
$395
|
|
2025 award winner
Best 0% Intro APR Credit Card
/images/2022/04/27/0427_reflect.png)
Apply Now
Wells Fargo ReflectĀ® Card 4.9
|
N/A
|
N/A
|
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.99%, 24.49%, or 28.74% Variable
|
$0
|
/images/2025/09/09/capital_one_ventureone_lto_card_art.png)
Apply Now
Capital One VentureOne Rewards Credit Card 4.0
|
1.25X - 5X
Miles
|
20,000 Bonus Miles + $100 Capital One Travel credit
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.99% (Variable)
|
$0
|
Today's Top Credit Cards
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- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy beneļ¬ts such as 5x on travel purchased through Chase Travelā , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travelā
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
/images/2024/12/16/bofa-travel.png)
0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- 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.
- 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 as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR thatās currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred RewardsĀ® 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. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- 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.
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
0%, 15 months
0%, 15 months
- INTRO OFFER: Unlimited Cashback Match for all new cardmembersāonly from Discover. Discover will automatically match all the cash back youāve earned at the end of your first year! Thereās no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 17.99% to 26.99% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
/images/2024/12/18/capital_one_venture_rewards_card_art.png)
- 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
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 $120 credit for Global Entry or TSA PreCheckĀ®
- Use your miles to get reimbursed for any travel purchaseāor redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
/images/2025/07/16/citi_strata_elite_card_art.png)
- For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNightsā purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
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N/A, N/A
0%, 18 months
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYouĀ® Points, which can be redeemed for $200 cash back.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
0%, 15 months
0%, 15 months
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travelā , our premier rewards program thatĀ lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back.Ā You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireĀ as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee āĀ You won't have to pay an annual fee for all the great features that come with your Freedom UnlimitedĀ® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
/images/2024/12/18/capital_one_venture_x_card_art_-_12-18-24.png)
- 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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Passā¢ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and moreāyou can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheckĀ®
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99%, 24.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account creditĀ whenĀ you shop, dine, or enjoy an experience simply by usingĀ an eligibleĀ Wells Fargo credit card.
/images/2025/09/09/capital_one_ventureone_lto_card_art.png)
0%, 15 months
0%, 15 months;
- LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - thatās equal to $300 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchaseāor redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.99% - 28.99% variable APR after that; balance transfer fee applies
Bottom Line
The Chase Sapphire PreferredĀ® Card(Rates and fees) is a great choice if you're looking for a card that offers great perks with a low annual fee. Take advantage of a strong welcome offer, up to 5X on travel purchased through Chase Travelā , and a range of ongoing benefits including trip cancellation/interruption insurance, and primary auto rental collision damage waiver.
- Welcome offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Rewards: Earn 5X points on travel purchased through Chase Travelā ; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.
- No foreign transaction fees: No need to worry about foreign transaction fees while you are traveling around the world!
- Additional benefits: Cardholders can enjoy complimentary auto rental collision damage waiver, trip cancellation/trip interruption insurance, travel and emergency assistance services, extended warranty protection, and purchase protection.
- Low annual fee: Take advantage of all these amazing perks for a low annual fee of $95.
Benefits Card Details Intro Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee $95 Why we like it
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How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.