Best Credit Card Deals

Why We Like It: Capital One Venture, long one of the best travel rewards cards, is currently one of the best credit card deals due to its large initial bonus: 75,000 miles for spending $4,000 within 3 months of opening an account.

What We Don’t Like: The Venture Card charges a $95 annual fee and has a high APR. 

Who Should Get It: Consider applying for Capital One Venture if you like to travel but don’t spend enough to justify applying for the Capital One Venture X Rewards Credit Card instead. You also need good credit or better.

Why We Like It: Discover it® Miles is one of the best credit card deals right now, thanks to a generous initial bonus that doubles all the rewards you earn the first year, after your first anniversary as a cardholder. Discover it Miles also gives 1.5 miles per $1 on all purchases and has no annual fee.

It even offers a deal on interest, too: 0% intro APR on new purchases and balance transfers for 15 months. This is a limited-time offer for new customers.

What We Don’t Like: A regular APR of 17.24% - 28.24% Variable kicks in after the introductory rate expires.

Who Should Get It: Consider applying for this card if you have good credit or better and have a big year of spending required.

Why We Like It: Chase Sapphire Reserve® is one of the best travel rewards credit cards available to people with excellent credit scores. There’s an initial bonus of 60,000 for spending $4,000 within 3 months of opening an account – worth $900 in travel through Chase. Cardholders also get ongoing rewards of 1 - 10 points per $1 spent on purchases, plus the opportunity to earn annual statement credits.

What We Don’t Like: Chase Sapphire Reserve charges an annual fee of $550, but it’s worth it if you take full advantage of all the perks.

Who Should Get It: Big-spenders who travel frequently and have excellent credit should consider applying for Chase Sapphire Reserve.

Why We Like It: This credit card deal gets you an initial bonus of 60,000 points for spending $4,000 in the first 3 months. You’ll also earn 1 - 3 points per $1 on purchases, depending on the category. Specifically, you’ll get a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024, 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases.

In addition to its rewards, Citi Premier is a deal because it gives you the chance to save $100 per year on hotel stays and has a reasonable annual fee.

What We Don’t Like: It costs at least $95 per year to own this card. In addition to the annual fee, an APR of 21.24% - 29.24% (V) will apply to balances carried from month to month.

Who Should Get It: Consider applying for this card if you have good credit or better and its bonus rewards suit your spending habits.

Why We Like It: The U.S. Bank Altitude® Connect Visa Signature® Card is the best credit cards for people with excellent credit because it has great rewards. For starters, it offers an attractive initial bonus deal: 50,000 points for spending $2,000 in the first 120 days. Those points are worth $500. You’ll also earn 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points per $1 spent on travel, 4 points per $1 at gas stations, 2 points per $1 at grocery stores, 2 points per $1 on dining, grocery delivery and streaming services, and 1 point per $1 on all other purchases.

What We Don’t Like: U.S. Bank Altitude Connect has a $95 starting the second year your account is open. It also has a high APR. Fortunately, you can avoid the APR by paying your bill in full monthly, and the annual fee can be worth paying given the rewards.

Who Should Get It: Consider applying for this card if you have excellent credit and travel and gas are among your top spending categories.
 

Why We Like It: The Wells Fargo Active Cash® Card has the best credit card deal for everyday cash back, offering 2% cash rewards on purchases. Plus, cardholders get an initial bonus of $200 cash rewards after spending $500 in the first 3 months and an introductory APR of 0% for 15 months from account opening. Wells Fargo Active Cash comes with a $0 annual fee, too.

What We Don’t Like: This card’s regular APR and balance transfer fee can cost you if you’re not careful.

Who Should Get It: Apply for Wells Fargo Active Cash if you want straightforward cash back rewards and you have good credit or better.

Why We Like It: The Blue Cash Preferred® Card from American Express offers some of the best credit card deals for cash back right now, giving up to 6% cash back on purchases in popular spending categories. Plus, new cardholders can earn a $250 statement credit as an initial bonus for spending $3,000 within 6 months of opening an account.

When it comes to the card’s ongoing rewards, cardholders earn 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, received as rewards dollars (which can be redeemed as a statement credit or at Amazon.com checkout). Plus, there is a $0 intro annual fee the first year.

What We Don’t Like: The card has a $95 annual fee from the second year on and a high regular APR.

Who Should Get It: People with good credit who spend a lot in the Blue Cash Preferred Card’s bonus categories will find the card to be a worthwhile investment. 

Why We Like It: Chase Freedom Unlimited® is a deal because it currently offers an extra 1.5% cash back on everything you buy, up to $20,000 spent in the first year. Cardholders get 5% cash back on travel purchased through Chase and 3% cash back at restaurants and on drugstore purchases. All other purchases provide 1.5% cash back, and there is a $0 annual fee.

Freedom Unlimited has financing deals, too. New cardholders get an intro APR of 0% for 15 months on new purchases, plus 0% for 15 months on balance transfers.

What We Don’t Like: A high regular APR takes effect after the introductory APR expires.

Who Should Get It: Consider applying for Chase Freedom Unlimited if you want a well-rounded card that’s good for both rewards and financing. You also need at least good credit.

Why We Like It: The Wells Fargo Reflect® Card is a steal if you want to avoid interest. This credit card deal gives you introductory APRs of 0% for 21 months from account opening on purchases and 0% for 21 months from account opening on qualifying balance transfers, along with a $0 annual fee. 

What We Don’t Like: Wells Fargo Reflect has a balance transfer fee of 5% (min $5) and the potential for a very high regular APR.

Who Should Get It: Apply for Wells Fargo Reflect if you have good credit and want to save money on interest.

Why We Like It: The Citi Simplicity® Card offers a great introductory balance transfer deal: 0% for 21 months on transfers made in the first 4 months. It also has a $0 annual fee and offers an intro APR of 0% for 12 months on purchases.

What We Don’t Like: You will have to contend with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that. The card also has a high regular APR.

Who Should Get It: Consider applying for this card if you have good credit or better and want to avoid interest charges.

Why We Like It: The Fifth Third 1% Cash/Back Card offers a low introductory interest rate for a long time, on both balance transfers and purchases, plus decent rewards on purchases. Specifically, new cardholders enjoy 0% for 15 months on transfers and 0% for 15 months on new purchases.

All purchases also get you 1% cash back. There’s a $0 annual fee, too.

What We Don’t Like: This card’s regular APR and balance transfer fee are higher than average. You can avoid the regular APR by paying off your balance by the end of the intro period.
 
Who Should Get It: Consider applying for the Fifth Third 1% Cash/Back Card if you have excellent credit and you’re looking for a way to lower the cost of current or future debt.
 

Why We Like It: The Capital One SavorOne Student Cash Rewards Credit Card is one of the best credit card deals available to students with limited credit right now because it offers great rewards, starting with an initial bonus of $50 for spending $100 in the first 3 months. Cardholders also earn ongoing rewards of 1 - 8% cash back on purchases and enjoy both a $0 annual fee and a $0 foreign transaction fee.

Particularly, Capital One SavorOne Student Card gives 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024, and 8% cash back on purchases made through the Capital One Entertainment portal. 

What We Don’t Like: The APR is fairly high, so it’s a good idea to pay the bill in full monthly.

Who Should Get It: If you’re a student with limited credit, this card should be at the top of your list.

Why We Like It: The Choice Privileges® Select Mastercard® offers the best hotel credit card deal right now, giving 60,000 points in return for spending $3,000 within 3 months of opening an account.

On top of that, cardholders earn 1 - 10 points per $1 spent on purchases, with purchases made through Choice yielding the highest return. Cardholders also get 30,000 bonus points after each account anniversary and automatic Platinum Elite status in the Choice Privileges loyalty program.

What We Don’t Like: This card has a $95 annual fee and a high APR.

Who Should Get It: Consider applying for this card if you have good credit or better, you travel frequently, and a Choice Hotels property is an option whenever you’re out of town.

Why We Like It: If you're looking for rewards tied to a specific airline, the JetBlue Plus Card has a great offer: 60,000 points after spending $1,000 in the first 90 days and paying the annual fee after opening an account. That's worth roughly $816 in airfare, according to our calculations.

The JetBlue Plus Card also has plenty of other rewards and perks, including 6 points / $1 spent on JetBlue operated flights, 50% savings on in-flight purchases, and a free first checked bag for you and up to 3 companions on the same reservation each time you fly JetBlue. Plus, you get 10% of your points back every time you redeem for and travel on a JetBlue-operated award flight.

What We Don’t Like: This card charges an annual fee of $99. It also has a high APR.

Who Should Get It: Consider applying for this card if you have excellent credit or better, you fly frequently, and you can commit to JetBlue.

Why We Like It: The Ink Business Premier offers an initial bonus of $1,000 for spending $10,000 during the first 3 months. This deal is limited to new customers.

Cardholders also earn 2 - 5% cash back on purchases.

What We Don’t Like: There is a $195 annual fee and a high APR.

Who Should Get It: Consider applying for the Ink Business Premier if its bonus rewards suit your company’s spending and you have at least good credit personally.

Why We Like It: Capital One Spark 2% Cash Plus is the best all-around business credit card deal, combining a big initial bonus, a high ongoing earning rate, and the flexibility of cash back. New cardholders can get an initial bonus of $1,200 for spending $30,000 in the first 3 months. Spark Cash Plus also provides unlimited 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 2% cash back on all other purchases.

What We Don’t Like: There is a $150 annual fee, and you have to pay the bill in full every month.

Who Should Get It: Consider applying for Capital One Spark Cash Plus if you’re a business owner with excellent personal credit who can easily qualify for the initial bonus and pay the monthly bills in full by the due date.