WalletHub Credit Card Offers for April 2024
WalletHub experts track 1,500+ offers to help you get the right credit card
Compare credit card offers to find the right card for you. WalletHub's credit card comparison tools and expert recommendations make it easy to compare credit cards with rewards, low interest rates, no fees, different credit ... show more
- Low Intro APR & Bonus Rewards: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesEveryday Cash Back: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesTerms ApplyGood Credit: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Rates & FeesBad Credit: Discover it® Secured Credit CardDiscover it® Secured Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesNo Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
FILTER CREDIT CARD OFFERS
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- Offers 2% cash back
- $0 annual fee
- $200 initial rewards bonus
- Low intro APR on balance transfers
- 3% foreign transaction fee
- High regular APR
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Rotating categories which require activation
- Balance transfer fee
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- No rewards
- High regular APR
- Foreign fee
- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No foreign fee
- No intro APR
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign transaction fees
- $39 annual fee
- Above-average regular APR
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- High regular APR
- No reduced introductory rates
WalletHub's Research
Notable Credit Card Offers
| Credit Card | Best For | Annual Fee | Credit Required |
| Chase Freedom Unlimited® | Low Intro APR & Bonus Rewards | $0 | Good |
| Wells Fargo Active Cash® Card | Everyday Cash Back | $0 | Good |
| Blue Cash Preferred® Card from American Express | Good Credit | $0 intro 1st yr, $95 after | Good |
| Discover it® Secured Credit Card | Bad Credit | $0 | Bad |
| Wells Fargo Reflect® Card | 0% Intro APR | $0 | Good |
| Capital One Platinum Credit Card (see Rates & Fees) | No Credit | $0 | Limited History |
Picking the right credit card for your needs might seem a bit daunting, but we've done the research to make things as easy as possible for you.
How We Picked the Most Notable Credit Card Offers
The notable credit card offers that WalletHub's editors decide to highlight are selected after a comparison of more than 1,500 credit cards, spanning different credit ratings, types of users, and features. Selections are ultimately made according to how much each card can be expected to save its target user. Although some cards may come from WalletHub partners, editors' picks are based solely on cardholder savings.
Popular Credit Card Offers by Company
Beginner’s Guide to Credit Card Offers
Types of Credit Cards
There are six main types of credit card offers you’re likely to come across. All of them work pretty much the same way and will improve your credit if used responsibly, but they differ in terms of certain special features or requirements and who typically uses them.
- Standard unsecured credit cards – These cards are what most people would consider “normal credit cards.” Most credit card offers fit in this bucket.
- Secured credit cards – These cards require a security deposit, the amount of which acts as your spending limit. This makes it easy for people with limited or bad credit to get approved.
- Credit cards for students – Students tend to have above-average income potential and lots of financial needs ahead of them, so they tend to get better credit card offers than other people with limited credit history.
- Small business credit cards – These cards offer rewards and other account features tailored to business use. They also lack certain cardholder protections that general-purpose cards provide.
- Store credit cards – Store credit cards can only be used with affiliated retailers, but they tend to be pretty easy to get, free to own, and highly rewarding.
- Charge cards – Charge cards require you to pay your bill in full every month. They aren’t very common, but most of the charge card offers that are still available offer good rewards.
On the one hand, you could group cards based on whether they require you to place a refundable security deposit. Secured credit cards do; unsecured credit cards don’t.
You could also segment things based on where a card can be used. Credit cards with the Visa, Mastercard, American Express or Discover logo can be used anywhere. Store credit cards can only be used at the retailers they’re affiliated with.
Or you could split up the offers based on whether they require you to pay your bill in full every month. Charge cards do; other credit cards don’t. But at the end of the day, finding the best credit card for your needs is all that really matters.
4 Things to Know Before You Apply for a Credit Card Offer
What your credit score is
The very best credit cards require good credit or better, which means a 700+ credit score. There are credit cards for people of all credit levels, though, including people with bad credit or no credit. Knowing where you stand will help you identify the right cards to consider, and you can check your latest credit score for free on WalletHub.
How you plan to use the credit card
If you plan to pay your bill in full every month, focus on comparing the cards’ rewards and annual fees. If you want to avoid interest, concentrate on credit cards offering 0% introductory APRs on purchases or balance transfers, depending on whether or not you already owe the money. And if you’re just trying to build or rebuild your credit, aim for low fees and high approval odds.
How long you expect to keep the account open
Ongoing features such as annual fees and regular rewards rates become more and more important the longer you plan to have the card. On the other hand, there are times when it will make more sense to capitalize on short-term deals like initial rewards bonuses and low intro APRs. When it comes to initial bonuses, you’ll also want to make sure you’re in a position to spend enough to trigger the bonus in the allotted time frame without overburdening yourself.
How soon you’ll need your credit score for a big-money transaction
Applying for a new credit card account usually results in a hard inquiry into your credit history, which can cause your credit score to drop a bit temporarily. This shouldn’t be a problem unless you plan to apply for a mortgage or an auto loan in the near future, however. You can estimate how long it will take your score to recover using WalletHub’s Free Credit Score Simulator.
How to Compare Credit Card Offers
Once you know what you’re looking for, comparing credit card offers is easy. You’re already in the right place, and we’ve got all the tools you need to make the best selection. Just follow the steps below.
- Use the first filter on this page to choose between personal, business and student cards.
- Use the second filter to remove offers you can’t qualify for based on your credit score.
- Use the third filter to select features you want, such as rewards, an intro 0% APR on purchases, 0% on balance transfers, a low regular APR, or no annual fee.
- Use the fourth filter to refine your options based on the card network, issuer, foreign transaction fee, balance transfer fee, security deposit, and more.
- Set your filters and review the remaining cards.
- Click the “Compare” box at the bottom right of an offer to add it to your list of cards to compare.
- Click the blue “Compare” button at the bottom of the screen. You’ll see the offers you’ve flagged side by side, for a convenient comparison of their key terms.
- Read reviews for the cards you’re considering, to learn from other people’s experiences.
Mistakes to Avoid When Comparing Credit Card Offers
Comparing Card Terms That Won’t Ever Affect You
Focus on the features that will affect you the most. These are likely to include rewards, annual fees and approval requirements. Interest rates might be worth considering, too, depending on how you plan on using your card. If you plan on paying your bill in full each month by the due date, the interest rate won’t matter. Spending time and energy finding a card with a low APR is therefore fruitless in that situation, and it might even cost you in areas you care about.
Similarly, things like cash advance fees and balance transfer fees shouldn’t matter if you never plan to use your card for either type of transaction. The same can be said of features like airport lounge access, too.
Applying for a Credit Card Before Comparing It to the Alternatives
You can’t really tell how good a credit card offer is without comparing it to what else is out there. A $100 bonus might sound pretty good, for example, but it’s not so hot when you consider that bonuses worth 2-5+ times as much are available. Similarly, 0% for 12 months is nothing to scoff at, unless you can get 0% for 21 months, for example.
WalletHub makes it easy to put offers into context, as we track more than 1,500 credit card offers and provide tools to help you compare cards efficiently.
Assuming Credit Cards With Annual Fees Are Not as Good
Cheaper is not always better when it comes to credit cards. Sure, when in doubt or all else being equal, a lower annual fee is the way to go. However, paying a fee can get you access to some of the best rewards offers on the market, and it’s worthwhile if you’re a big spender. The best approach is to compare credit card offers with and without fees to see which will save you the most money at the end of the day.
Trusting Best Card Lists Blindly
Certain other websites have biased best lists. They consider a very limited universe of credit card offers in order to ensure the cards they call the best come from advertising partners. In other words, these lists are better for the sites than their users.
WalletHub is different, fortunately. We consider more than 1,500 credit card offers when we select the best cards, and our picks are made based on what will save cardholders the most money. You can check out our rating system to see for yourself.
When you’re shopping for a credit card, you can use our transparent best picks as a starting point for offers to compare. This will help you narrow down your options to only an elite few, and then you can pinpoint the right one to apply for.
Learn more about mistakes to avoid when comparing credit card offers.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the author
John S Kiernan
Credit Card Offers FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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What time of year are the best credit card offers? Reply
The best time of year for credit card offers is the fourth quarter of the year, October through December. During most years in the past decade, the average credit card bonus has been highest in the fourth quarter, and the second half of the year has historically been better than the first half. One reason why this could be the case is that the end of the year includes the holiday shopping season, so credit card companies want to entice people to spend more by offering lucrative initial bonuses, as well as introductory 0% APRs.
It's worth noting, though, that the general trend for credit card offers is to increase over time. For example, the average cash back credit card bonus increased by 266% between the fourth quarter of 2011 and the fourth quarter of 2021. That’s good news for people who like to take advantage of a great credit card deal each year.
Finally, remember that good credit card offers – whether for regular rewards, initial bonuses, 0% introductory APRs or supplemental perks – can appear at any time of the year. Issuers may be more likely to debut their best offers during the fourth quarter of the year, but many offers stick around for months or even years after they’re introduced.
What is the 5/24 rule? Reply
The 5/24 rule is one of the criteria Chase used to have in order to qualify new credit card accounts. When this rule was in effect, it meant that you couldn’t get approved for most Chase credit cards if you had opened five or more personal credit cards (from any card issuer) within the past 24 months. However, Chase no longer takes this factor into consideration for their credit card applications.
According to Chase customer service,...
What are the best credit card deals right now?
The best credit card deals you can get right now include initial rewards bonuses worth $500+, 0% intro APRs for as long as 15-21 months , and $0 fees for the first year or longer. Lots of money-saving credit card deals are available right now, but the details change often, so you should strike while the iron is hot.
As you consider the best credit card deals and pick a card, you should make sure that you are able to take full advantage of the offer. For example, if you want to get a card's initial bonus, you will usually need to be able to meet a spending requirement within a certain time period. Or, if you get a card with a 0% introductory APR, you should create a plan to pay off all or most of your balance by the time it ends.
- Chase Sapphire Preferred® Card: Winner
- Chase Sapphire Reserve®: Travel Rewards
- Wells Fargo Reflect® Card: 0% Intro APR
- Blue Cash Preferred® Card from American Express: Bonus Rewards
- Wells Fargo Active Cash® Card: Cash Back
- Choice Privileges® Select Mastercard®: Hotel Points
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information for some of the cards on this page.
What are the easiest credit cards to get approved for?
The easiest credit cards for you to get approved for with bad credit or no credit are secured credit cards because they require a refundable security deposit that protects the issuer. Secured cards can help you avoid annual fees, add to your credit history with the 3 major credit bureaus, and even earn rewards of 1% or more on your purchases. To help you maximize your odds of approval for a credit card, we compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates and rewards.
Easiest Credit Cards to Get
- Best Overall: OpenSky® Plus Secured Visa® Credit Card
- Best for No Annual Fee: Petal® 2 Visa® Credit Card
- Best for After Bankruptcy: Capital One Quicksilver Secured Cash Rewards Credit Card
- Best for Students: Capital One SavorOne Student Cash Rewards Credit Card
- Best for No Credit: Capital One Platinum Credit Card
- Best Unsecured Card: Indigo® Mastercard® for Less than Perfect Credit
It’s important for you to get a good credit card because credit cards are the best credit-building tools available to us. Nearly all of them report information to the major credit bureaus on a monthly basis, and unlike loans, they don’t require you to incur any debt. Some credit cards are much easier to get approved for than others, though. You can learn all about the best easy approval credit cards below, which include both secured cards and unsecured cards for bad or no credit. Using one of these cards responsibly can help you eventually transition to one of the best credit cards overall.
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information for some of the cards on this page.
What are the best free credit cards?
A free credit card is an offer with no annual fees, monthly fees or one-time membership fees. Some free credit cards also have 0% introductory interest rates, $0 balance transfer fees and no foreign transaction fees. The best free cards are usually reserved for people with good or excellent credit, but no-fee options are available to people of all credit levels (some cards are from WalletHub partners). Even folks with bad credit can usually find a free credit card, as long as they’re willing to place a refundable deposit.
4 Best Free Credit Cards (April 2024)
- Winner: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesRewards: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesBuilding Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesTravel Rewards: Capital One VentureOne Rewards Credit CardCapital One VentureOne Rewards Credit CardLearn MoreLearn Moreon issuer's website
What are the 3 best credit cards to have? Reply
The 3 best credit cards to have are the Wells Fargo Active Cash® Card, the Chase Sapphire Preferred® Card, and the Wells Fargo Reflect® Card. Having these cards in your wallet gives you access to great cash back rewards, a big initial bonus, travel rewards and 0% financing.
Top 3 Credit Cards of April 2024
- Wells Fargo Active Cash® Card: Best for Cash Back
- Chase Sapphire Preferred® Card: Best Initial Bonus
- Wells Fargo Reflect® Card: Best for 0% APR
Of these three cards, the best all-around option is...
Should I get a credit card? Reply
Yes, you should get a credit card. You should get your own credit card account if you’re at least 18 years old, and you should get a parent to make you an authorized user on their credit card account when you are too young to get a credit card alone. There are many reasons to get a credit card, including convenience and earning rewards on purchases, but the best benefit is building the credit history...
Featured Credit Cards
Expert Opinions
To help educate people on the possibilities, we asked a panel of experts to share their thoughts on the following questions. You can meet our expert panel and check out their comments below.
- Should everyone have at least one credit card?
- Has it become easier or harder to get a credit card in recent years?
- Are credit cards safer now than before the Great Recession?
- What tips do you have for someone who is applying for a credit card?
- Are consumers good at picking credit cards? What are the biggest pitfalls?
MS, AFC®, Adjunct Instructor, University of Northern Iowa, College of Social and Behavioral Sciences
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Professor, California State University, Stanislaus
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Assistant Professor of Finance & Economics, Concordia University, St. Paul
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Lecturer, University of California, San Diego, Rady School of Management
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Ph.D., CFP®, Assistant Professor, Director of Financial Planning and Financial Literacy, School of Business and Leadership, University of Charleston
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Ph.D., Professor and Stephen L. Clark Chair of Real Estate and Finance, Director, WSU Center for Real Estate, Wichita State University, W. Frank Barton School of Business
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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