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Credit cards offer a combination of valuable rewards, low interest rates, and flexible terms to suit your spending habits. Look for cards with high cash-back percentages, generous sign-up bonuses, minimal fees, or attractive balance transfer terms to maximize your benefits. Explore our cards today to find the right card for your financial needs.
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Rewards Rate:
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Intro APR: N/A
The American Express Blue Cash Everyday Card grants generous cash back rewards at U.S. supermarkets and U.S. gas stations. With no annual fee for cardholders, its benefits accumulate rapidly if you commute to work or have expensive grocery bills.
With this card, you’ll earn 3% cash back rewards at U.S. supermarkets and U.S. gas stations (up to $6,000 annually for each category, after which you’ll get a 1% return). Terms Apply.
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Rewards Rate:
5x on travel purchased through Chase Travel℠
3x on dining, select streaming services and online groceries
2x on all other travel purchases
1x on all other purchases
$50 Annual Chase Travel Hotel Credit, plus more
Welcome Bonus: Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Intro APR: N/A
Rewards Rate:
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on every purchase you make
Welcome Bonus: $200 when you spend $500 within the first 3 months
Intro APR: 0% intro APR for 15 months on purchases
It’s easy to earn rewards with AMEX Gold Card’s exceptional rewards and benefits for a variety of purchasing categories. You’ll earn 3X points on flights if you book on amextravel.com or with the airline itself, and 4X the points at restaurants and U.S. supermarkets, up to $25,000 every calendar year, at which point your rewards decrease to 1X.
There’s a modest introductory offer of 60,000 points if you make $4,000 in purchases within the first 6 months after opening the card. You may also earn an annual meal credit of $120 (up to $10 in monthly statement credits) at specified restaurants if you enroll in this additional program. Terms Apply.
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Rewards Rate:
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
Earn 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Welcome Bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Intro APR: N/A
Rewards Rate:
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu
Intro APR: N/A
Terms Apply, See Rates & Fees
The Chime Secured Credit Builder Visa® Credit Card offers a better way to build credit.* There's no credit check, no annual fee, and no minimum security deposit** to worry about. Your spending limit is based on the amount you transfer from your Chime® checking account. Chime® reports your on-time payments to all three major credit bureaus so you can boost your credit score faster.***
Learn more about Secured Chime Credit Builder Visa® Credit Card
The Varo Believe card offers a unique way to safely build credit. You choose how much money to add from your bank account to set how much you can spend on the card. That money will automatically be used to pay off your spending balance each month if you have Safe Pay turned on, or you can also make the payment manually.
Varo reports payment activity to the credit bureaus each month to help build your credit, and you can track your score in the Varo app. Best of all, applying for the card won’t impact your credit score and no security deposit is required.
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Balance transfer credit cards could save you money on interest payments if you transfer debt from a source with a higher interest rate to a card offering a lower interest rate and you pay off the debt quickly.
Keep in mind, balance transfer credit cards offering introductory 0% APRs only do so for a limited time. If you can’t pay off the debt balance before the introductory period expires, understand what interest rate will get charged down the road.
Don’t forget to account for balance transfer fees when calculating whether you’ll save money. These fees get charged upfront and can be hefty.
A balance transfer credit card could allow you to move all of your debt to a single card, assuming your approved credit limit is high enough. This can make it easier for you to keep track of the monthly payments. Avoiding missed payments by doing this could help improve your credit score as long as your credit utilization on your new card doesn’t get too high.
Balance transfer credit cards can help tremendously if you pay off the debt quickly and don’t incur any new debt. Unfortunately, many people see the 0 balance on their old credit card as an opportunity to spend more money. If you transfer a balance and then run up the balance on your old credit card again, you just dig yourself deeper into debt.
Lenders don’t want to lose money on balance transfer credit card offers. For this reason, lenders typically won’t allow you to transfer a debt balance from their bank to a balance transfer credit card they issue. For instance, you can’t move a balance from your Chase Sapphire Preferred credit card to your Chase Slate credit card.
When you apply for a credit card, you may not get approved for the credit limit you desire. You may apply for a balance transfer offer and only get approved for a $5,000 credit limit. If you planned to transfer $10,000 of other credit card debt, you end up maxing out the new credit card with the balance transfer and still have $5,000 of debt on the old card.
Picking the right card for your situation requires you to examine a few key factors.
First, you want to have a good shot of getting approved for the card. Look for cards that typically approve people with your current credit score.
Next, make sure the credit card you’re applying for will allow you to transfer the balance you want to move. Some banks don’t allow loan transfers, while others do.
Finally, compare offers to find the card that can save you the most money. Look for long introductory 0% APR periods, low or no balance transfer fee offers, and a low regular APR after the balance transfer promotion expires.
