Best Credit Card Deals

Many credit cards give you money for signing up and then spending a certain amount of money in the first few months. One of the best credit card sign-up bonuses is from the Citi Premier® Card, which offers 60,000 points for spending $4,000 in the first 3 months.

It's less common for credit cards to give you money just for signing up, but that does happen in a few cases. For example, on the Amazon.com Credit Card, the bonus is a $50 gift card that is automatically loaded to your Amazon account after your application for the card is approved.

Popular Credit Cards With Initial Bonuses

• Citi Premier® Card - 60,000 points for spending $4,000 in the first 3 months
• Amazon.com Credit Card - $50 Amazon.com gift card upon approval ($100 for Prime members)
• Marriott Bonvoy Boundless® Credit Card - 3 Free Nights for spending $3,000 in the first 3 months
• Capital One Venture X Rewards Credit Card - 75,000 miles for spending $4,000 in the first 3 months
• Chase Sapphire Preferred® Card - 60,000 bonus points for spending $4,000 in the first 3 months
• Bank of America® Travel Rewards credit card - 25,000 points for spending $1,000 in the first 90 days
• Wells Fargo Active Cash® Card - $200 cash rewards after spending $1,000 in the first 3 months
• Capital One Quicksilver Cash Rewards Credit Card - $200 for spending $500 in the first 3 months
• U.S. Bank Altitude Reserve Visa Infinite® Card - 50,000 points for spending $4,500 in the first 90 days
• JetBlue Plus Card - 40,000 points after spending $1,000 in the first 90 days and paying the annual fee
• Capital One Savor Cash Rewards Credit Card - $300 for spending $3,000 in the first 3 months

You can learn more about the best credit cards with signup bonuses on WalletHub.

The best credit card for low income applicants is the Upgrade Credit Card because it has a $0 annual fee and offers 1.5% cash back on all purchases. You might also receive a cash back bonus if you get an Upgrade Rewards checking account around the same time as the credit card and then make a few debit card purchases. The Upgrade Credit Card requires fair credit or better for approval and guarantees a credit limit of at least $500.

There is no official minimum income requirement for getting a credit card, though most credit card issuers impose their own limits. The goal is to ensure that you have enough income or assets to afford the card's monthly payments. Your assets are anything of value that you own, such as a car or real estate. In general, you should be able to get a credit card with an income as low as $10,000 per year if your debt-to-income ratio is low enough.

Best Credit Cards for Low Income

If you have a low income, you might only be approved for a modest credit limit. Credit card issuers determine spending limits based on what minimum monthly payment you can comfortably afford given your annual income. For example, if you have around $100 of disposable income per month and you apply for a credit card with a 5% minimum monthly payment, then your credit limit will likely be around $2,000, since 5% of $2,000 is $100.

In most cases, the best credit cards for low income have no annual fees and offer rewards. For more options, you can compare the best credit cards with no annual fee on WalletHub.

The Best Buy® Credit Card is issued by Citibank. The same applies for the Best Buy® Store Card and the Best Buy® Gold Visa Credit Card. 

Aside from these cards, other Citibank credit cards include the Citi® Double Cash Card – 18 month BT offer and the Citi Rewards+® Card.

What you should know about the Best Buy® Credit Card:

The Best Buy® Credit Card is intended for applicants with Good credit. Its key features are 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days of account opening and 0.5 - 2.5 points per $1 spent on purchases. Plus, it offers a financing intro APR of 0% for 12 - 24 months. The card's annual fee is $0.

This card has a WalletHub editor's rating of 4/5. More details can be found in our full Best Buy® Credit Card review.

The best Discover card deals include $0 annual fees, $0 foreign transaction fees and a 1st-year rewards match on all cards. Several Discover cards also offer 0% APRs on purchases and balance transfers for up to 15 months (a standard variable rate applies after that). Some Discover offers listed here are not currently available on WalletHub and may be out of date.

There used to be a program called Discover Deals, but Discover discontinued it on October 31, 2018. When it was active, it gave Discover cardholders the chance to earn extra rewards or get special discounts at over 100 partnered retailers.

Similarly, Discover recently eliminated a lot of benefits from their cards. They no longer offer purchase protection, return protection, extended warranties, rental car insurance or travel accident insurance. You can still earn some great rewards and save a lot on interest with the remaining Discover card deals, though. For example, one of Discover's best deals is its $0 annual fee Discover it® Secured Credit Card. It offers better rewards than the average card for any score. It gives 1 - 2% cash back on purchases, and matches whatever you earn the first year, as a post-anniversary bonus.

Another Discover card that's an especially good deal compared to the competition is the Discover it® Miles card. It gives 1.5 miles per $1 spent on all purchases. You can redeem miles earned toward travel purchases such as airfare, hotel stays, car rentals, and more. There's also a 0% for 15 months intro APR on purchases and a 0% for 15 months intro APR on balance transfers. There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* and a regular APR of 16.24% - 27.24% Variable.

Discover it® Cash Back, Discover it® chrome, and the NHL® Discover it® offer a 0% APR for 15 months on purchases and balance transfers. There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* and a regular APR of 16.24% - 27.24% Variable, that takes effect when the intro promotions end. To take advantage of these Discover card deals, you'll need at least good credit. NHL® Discover it® is not currently available on WalletHub and may be out of date.

Current Best Buy credit card deals include 5 points per $1 spent on your first day of purchases (within 14 days of account opening), 0% financing for 6-24 months on select purchases of $199-$799+, and an 11.99% offer for 48 months. Those deals are available on all three Best Buy cards: the Best Buy Credit Card, the Best Buy Gold Visa, and the Best Buy Store Card. All three also offer 2.5 points per $1 at Best Buy. And if you're an Elite Plus member, you get an extra 0.5 point per $1 as a bonus.

If you don't have the good credit needed for a Best Buy Credit Card, you can go for the Best Buy Store Card. It offers the same deal of 5 points per $1 on the first day and 2.5 after on all Best Buy purchases. 

There aren't really any other credit cards with Best Buy deals. And even the Best Buy cards' 0% rate isn't guaranteed to be a deal. If you still have a balance after the promotional period expires, you'll have to pay interest like a 26.99% (V) APR was there from the start.  

Here are the current Best Buy credit card deals:

• 5 points per $1 on your first day of purchases (within 14 days of approval): Best Buy Credit Card, Best Buy Gold Visa and Best Buy Store Card 
• 2.5 points per $1 at Best Buy: Best Buy Credit Card, Best Buy Gold VisaandBest Buy Store Card 
• 0%-11.9% promo rate for 6-48 months: Best Buy Credit Card, Best Buy Gold Visa and Best Buy Store Card 
• 0.5 point per $1 bonus for My Best Buy Elite Plus members: Best Buy Credit Card, Best Buy Gold Visa and Best Buy Store Card 

The Gold Visa card's 2 points per $1 at entertainment merchants applies to sports promoters, theatrical promoters, movie theaters, amusement parks, tourist attractions and video game arcades/establishments. But you should hurry, because that Best Buy credit card has a time limit. 

The Best Buy Gold Visa and Best Buy Credit Card offer 1.5 points per $1 at gas stations, plus 1 point per $1 at restaurants, bars and grocery stores. You also get 1 point per $2 everywhere else. Those earning rates are more permanent than promotional. 

Yes, there are several good Delta credit card deals available right now. A good example would be the initial bonus of 50,000 miles and 10,000 Medallion Qualification Miles after spending $5,000 in the first 6 months, offered by the Delta SkyMiles® Reserve American Express Card. This card also offers a round-trip companion certificate every year. The Delta Reserve Credit Card charges a hefty $550 annual fee, but its rewards more than make up for it if you're frequently flying with Delta.

The Delta Reserve Credit Card, the Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Gold American Express Card provide a free first checked bag. All Delta SkyMiles cards also offer statement credits on food, alcohol, and audio headset purchases made on Delta flights. Plus, these are just some of the Delta credit card promotions the airline currently offers.

Here are the best Delta Airlines credit card deals in 2023:

The Delta Reserve Credit Card offers 50,000 miles and 10,000 Medallion Qualification Miles after spending $5,000 in the first 6 months. In addition, you can earn accelerated Medallion Qualification Miles, getting you closer to Medallion Status. The card also offers 3 miles per $1 spent on Delta purchases and 1 mile per $1 on all other purchases.

Plus, you get Free Delta Sky Club access as a cardholder and two guest passes each year. The Delta Reserve Credit Card also offers a free companion certificate every account anniversary.

With the Amex Delta Platinum you can earn 50,000 miles and 5,000 Medallion Qualification Miles after spending $3,000 in the first 6 months. Plus, it offers accelerated Medallion Qualification Miles earnings, getting you closer to Medallion Status. The card also earns you 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, as well as 1 mile per $1 on all other purchases.

In addition, you'll get Discounted Delta Sky Club rate for you and up to two guests. You will also receive a free companion certificate every account anniversary.

The Delta Gold Card offers 40,000 miles after spending $2,000 in the first 6 months. After you spend $10,000 in purchases in a calendar year, you will also receive a $100 Delta Flight Credit.

Plus, you can earn 2 miles per $1 on Delta purchases, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, and 1 mile per $1 on all other purchases.

With the Blue Delta SkyMiles Credit Card you can earn 10,000 miles for spending $1,000 in the first 6 months. Plus, it offers 2 miles per $1 spent on Delta purchases, 2 miles per $1 at restaurants worldwide (plus takeout and delivery in the U.S.), and 1 mile per $1 on all other purchases.

What you should know about the Medallion Qualification Miles:

• If you're not familiar with Medallion Qualification Miles (MQMs), know that they go toward earning you Medallion status in the SkyMiles loyalty rewards program. 
• In addition to the cards' MQM spending bonuses, you also earn MQMs based on the distance flown with Delta.
• You also earn Medallion Qualification Segments (MQSs), based on your number of flights and Medallion Qualifying Dollars (MQDs), based on the money you spend on Delta flights.

Medallion Status comes in four different tiers and the higher your status, the better perks you get on Delta flights. Medallion Status benefits include travel/vacation discounts, waived fees, complimentary upgrades, and more.

The best Alaska Airlines Credit Card deal is 70,000 miles and a companion fare ticket for spending $3,000 in the first 90 days.

In terms of earning rates, the best you can get out of your Alaska Airlines Credit Card will be 3 miles / $1 spent on Alaska Airlines purchases, 2 miles / $1 spent on gas, cable, streaming services and local transit, while other purchases will get you 1 mile / $1 spent. But there are more great deals that come with this card.

Here are the best Alaska Airlines credit card deals:

To top it off, the Alaska Airlines Credit Card benefits from a 0% foreign transaction fee.

It is also worth noting that there are two Alaska Airlines credit cards. Apart from the Alaska Airlines Credit Card, which is for personal use, there is also the Alaska Airlines Business card, which is for business. Both cards share nearly the same rewards structure.

Yes, there is a Discover card that offers flight deals. With the Discover it Miles credit card you can earn 1.5 miles per $1 spent on all purchases. Miles can be redeemed at 1 cent each for airfare and other travel purchases posted to your account within the last 180 days. Discover even doubles all miles earned in the first year you own the card. So, if you earn 25,000 miles in the first 12 months, for example, you get 25,000 bonus miles on your first account anniversary.

If you're flying internationally, Discover it Miles and all other Discover cards do not charge a foreign transaction fee. This means you'll avoid paying up to 3% extra on any international purchases, either in-person or online. But it's worth noting that Discover cards don't have the high global acceptance rates of Visa and Mastercard credit cards. So you could run into trouble if it's your only travel option.  

The best Mastercard deal is the Mastercard Priceless program. But you also get other benefits such as identity theft protection, 24/7 global service, and many other promotions for several products and services.

Here are the best Mastercard deals:

• Mastercard Priceless Program: Features special events and discounts exclusive to cardholders. Mastercard Priceless deals going on now include priority access to future sporting events, digital experiences like art tours, celebrity encounters, culinary and health lessons.
• ID Theft Protection: Provides a number of identity theft resolution services by enrolling into its portal.
• Mastercard Global Service: 24/7 assistance with lost and stolen credit cards, emergency card replacements and emergency cash advances. To access this service, just call (800) 307-7309 if you're in the U.S. or a country-specific toll-free number for when you're abroad.
• World and World Elite Mastercard Perks: Cardholders also benefit from several offers for services like online shopping, food delivery and ride-sharing. These membership levels also enable access to the Mastercard Airport Concierge service which offers savings on airport meet and greet services. This benefit provides you with assistance from agents who escort you through the airport at over 700 destinations, no matter the time of day.

Here are some of the best Mastercard credit cards in 2023

You can browse through even more recommendations to get a better picture of the best Mastercard credit card deals available right now.

The best Chase credit card deal is the Chase Sapphire Preferred® Card's 60,000-point initial bonus for spending $4,000 within 3 months of opening an account. That bonus is worth $750 in travel booked through Chase Ultimate Rewards.

There are plenty of other deals available, too, including some special cash back promotions. The best Chase credit card deal for cash back is $200 for spending $500 in the first 3 months, which is offered by Chase Freedom Flex. It also offers 5% back on travel booked through Chase.

Below, you can find a rundown of the Chase credit cards offering the best deals in a series of popular categories, from cash back to business travel.

Best Chase Credit Card Deals

Some of these Chase credit cards also have many more deals packed inside. For example, Chase Sapphire Reserve gives a $300 annual travel credit and lounge access. And IHG Premier gives a free night's stay each account anniversary and when you book at least 4 consecutive nights.