Best Credit Card Deals

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 earn an initial bonus of $200 cash rewards after spending $500 on purchases in the first 3 months and enjoy an introductory APR of 0% for 12 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 as high as $300 cash back for spending $3,000 in purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $3,000 in 6 months, and receive the cash back in the form of Reward Dollars, which can be redeemed for a statement credit or at Amazon.com checkout).

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 eligible U.S. gas stations and on transit, and 1% back on other eligible purchases, received as rewards dollars (which can be redeemed as a statement credit and 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 initial bonus of $200 for spending $500 on purchases in the first 3 months. 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 U.S. Bank Smartly™ Visa Signature® Card offers the best cash back deal for U.S. Bank Smartly® Savings account users. If your savings account maintains a qualifying balance of $10,000, $50,000, or $100,000, you can earn 2.5% - 4% cash back on all purchases.

Even without a U.S. Bank Smartly® Savings account, you’ll still earn 2% cash back on all purchases, so it’s a good option for anyone. Plus, you can get an introductory APR of 0% for 12 billing cycles on purchases and balance transfers.

What We Don’t Like: The U.S. Bank Smartly™ Visa Signature® Card has a regular APR of 17.74% - 27.99% (V) and a transfer fee of 5% (min $5).

Who Should Get It: Apply for the U.S. Bank Smartly™ Visa Signature® Card if you have good credit or better and you can maximize the rewards by being a U.S. Bank Smartly® Savings account user.

Why We Like It: Capital One Venture, long one of the best travel rewards cards, offers uniquely valuable ongoing rewards, giving 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases, and 2 miles per $1 on all other purchases. You can redeem those miles to pay for any travel-related purchase charged to your card. You can also earn 75,000 miles for spending $4,000 on purchases in the first 3 months.

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 have good credit or better and you like to travel but don’t want to commit to a specific airline or hotel chain.

If you’re a very big spender with an excellent credit score, you may want to consider the Capital One Venture X Rewards Credit Card as well.

Why We Like It: The Chase Sapphire Preferred® Card offers higher redemption rates when you use your points to book select flights and hotel reservations through Chase Travel. With the new Points Boost feature, cardholders can get up to 1.75 cents per point on select flights and 1.5 cents per point on select hotels, compared to the usual value of 1 cent per point.

In addition, cardholders can earn 75,000 points for spending $5,000 on purchases in the first 3 months, worth $750 when redeemed for cash, gift cards, and travel, plus 1 - 5 points per $1 spent on purchases normally.

What We Don’t Like: The Chase Sapphire Preferred® Card has a $95 annual fee and a high APR. It’s also not as easy to maximize the value of your points anymore.  

Who Should Get It: Consider applying for this card if you have good credit or better and you are big on using the Chase Travel portal.

If you are a big spender, the Chase Sapphire Reserve® card is worth considering as well. You can get luxury perks like lounge access, along with good rewards. However, it charges a $795 annual fee.

Why We Like It: With the American Express Platinum Card®, you may be eligible to earn as high as 175,000 points for spending $12,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $12,000 in 6 months, and receive the points). Plus, cardholders get rewarded with 5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases.

The Platinum Card® also rewards cardholders with benefits like complimentary lounge access, annual statement credits and more.

What We Don’t Like: The American Express Platinum Card® has a $895 annual fee.

Who Should Get It: Consider applying for the Platinum Card® if you have good credit or better, you can comfortably earn the initial bonus, and you’ll spend enough each year for your rewards earnings to cover the annual fee and then some.

Why We Like It: Discover it® Miles is one of the best credit card deals right now, thanks to a generous welcome bonus that matches all the rewards you earn the first year, after your first anniversary as a new 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 (followed by a standard regular APR). 

What We Don’t Like: A regular APR of 17.49% - 26.49% 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: The BankAmericard® credit card is a steal if you want to avoid interest. This credit card deal gives you introductory APRs of 0% for 21 billing cycles on purchases and 0% for 21 billing cycles for any balance transfers made in the first 60 days, along with a $0 annual fee. 

What We Don’t Like: The BankAmericard® credit card has a balance transfer fee of 5% and the potential for a very high regular APR, at 14.99% - 25.99% Variable.

Who Should Get It: Apply for the BankAmericard® credit card if you have excellent credit and want a great intro APR deal.

Why We Like It: The Citi® Diamond Preferred® Card is a steal if you want to avoid interest. This credit card deal gives you introductory APRs of 0% for 12 months on purchases and 0% for 21 months, along with a $0 annual fee. 

What We Don’t Like: The Citi® Diamond Preferred® Card has a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer and the potential for a very high regular APR, at 16.49% - 27.24% (V).

Who Should Get It: Apply for the Citi® Diamond Preferred® Card if you have good credit and want a great intro APR deal.

Why We Like It: The Capital One Savor 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 $100 for spending $300 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 Savor Student Cash Rewards Credit Card gives 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 Hawaiian Airlines Credit Card has the best airline credit card deal right now: 60,000 points after spending $1,000 within the first 90 days. That's worth roughly $1,026 in airfare, according to our calculations.

The Hawaiian Airlines Credit Card also has plenty of other rewards and perks, including 3 points / $1 spent on Hawaiian Airlines and Alaska Airlines purchases, 50% savings on eligible in-flight purchases, and free checked bags.

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 good credit or better, you fly frequently, and you can commit to Hawaiian and Alaska airlines.

Why We Like It: The Iberia Credit Card offers the best rewards amongst international airlines credit cards. Cardholders can earn an initial bonus of 75,000 Avios after spending $5,000 in the first 3 months, worth roughly $1,027.5 in airfare, according to our calculations.

The Iberia Credit Card gives 3 points / $1 spent on purchases made with Iberia, Aer Lingus, British Airways and LEVEL, and up to 10% on Iberia flights purchased on iberia.com/Chase10.

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

Who Should Get It: Consider applying for this card if you have good credit or better, and you frequently fly to international destinations.

Why We Like It: The Marriott Bonvoy Boundless® Credit Card offers the best hotel credit card deal right now, giving up to 4 Free Night Awards in return for spending $3,000 within 3 months of opening an account. That bonus is worth around $1,580 in hotel reservations, according to WalletHub’s calculations.

On top of that, cardholders earn 2 - 6 points per $1 spent on purchases, with purchases made through Marriott hotels yielding the highest return.

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 Marriott hotels are an option whenever you’re out of town.

If you’re an especially frequent traveler and a big spender, the Marriott Bonvoy Brilliant® American Express® Card could be the best deal for you. It comes with a big initial bonus offer along with 2 - 6 points per $1 spent on purchases. However, it comes at a high cost, charging a $650 annual fee.

Why We Like It: Capital One Spark Cash Plus is the best all-around business card deal, combining a big initial bonus, a high ongoing earning rate, and the flexibility of cash back. New cardholders can earn an initial bonus of $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year. Spark Cash Plus also provides unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel, and 2% cash back on all other purchases.

What We Don’t Like: There is a $150 annual fee.

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.
 

Why We Like It: The Regions Visa® Business Enhanced Credit Card offers an initial bonus of 30,000 points after spending $3,000 within the first 90 days (worth $450 in travel). Cardholders also earn 2 points per $1 spent on all purchases.

In addition to good earning rates and an even better travel redemption rate, this card has a $0 annual fee and offers an introductory APR of 0% for 12 months on purchases.

What We Don’t Like: The Regions Visa® Business Enhanced Credit Card can have a high regular APR.

Who Should Get It: Consider applying for the Regions Visa® Business Enhanced Credit Card if you have at least good credit personally and you want to use everyday savings to pay for business travel.