Jan 2019’s Best Credit Card Deal
The best credit card deal is the Capital One® Venture® Rewards Credit Card
because it currently offers an initial bonus of 50,000 miles (worth $500 in travel) for spending $3,000 in the first three months your account is open. That’s equal to nearly 17% back. Capital One Venture also rewards cardholders with 2 miles / $1 spent on all purchases, except those made on hotels.com/venture, which earn you 10 miles per $1. Plus, Venture has very flexible rewards redemption, and it’s offering an annual fee deal right now: $0 for 1st yr, $95 after.
But there are lots of great credit card deals available these days. In fact, credit card companies are currently offering record-high rewards bonuses and unusually long 0% APR periods, according to WalletHub’s latest Credit Card Landscape Report
. For example, you can score 70,000 miles (worth $700 in travel) by spending $5,000 within 90 days of getting the Barclaycard Arrival® Plus World Elite Mastercard®
. The Amex EveryDay® Credit Card from American Express
also offers an intro APR of 0%
for 15 months on purchases and balance transfers, with a balance transfer fee that’s None.
So it’s a very good time to take advantage of plastic – responsibly, of course. For your convenience, here’s a quick recap of the most notable credit card deals
available right now. Hopefully, this will help you find the right card for your needs:
Best Credit Card Deals
As you can see, all of the very best credit card deals require at least good credit for approval. If you don’t know how good your credit is, you can check your latest credit score for free on WalletHub
But there are plenty of credit card promotions available to people of all credit levels, too. For example, none of Discover’s credit cards
charge annual fees or foreign transaction fees, and all of them double the rewards you’ve earned after one year.
Finally, if you’d like to see how today’s top credit card deals compare to our editors’ favorite cards in major usage categories, check out their picks for the best Rewards
, 0% Financing
, Balance Transfers
Ask the Experts: What's the Deal with Credit Card Deals?
For more information about eye-catching credit card deals, including what credit card companies get in return for giving away so much, we posed the following questions to a panel of rewards experts. You can check out their bios and insights below.
- How can credit card companies afford to offer big initial bonuses?
- How important are limited-time promotions to credit card application rates?
- Are bonus-seekers good customers for credit card companies?
- What does the value of credit card initial bonuses tell us about the economy?
Best Credit Card Deals Methodology
To identify the best credit card deals, WalletHub’s editors regularly compare the latest terms available on 1,000+ credit card credit card offers, including cards from WalletHub’s partners and any new credit cards
Given that people’s needs vary, WalletHub’s editors look for credit card deals in a handful of key categories, including travel rewards, cash back, no annual fee, 0% APR and balance transfer. Each category has its own unique requirements for deal status. WalletHub’s editors also use data from the latest Bureau of Labor Statistics Consumer Expenditure Survey to estimate how much cardholders would earn or save with each card.
Only standout terms can get a card on the best deals list. So understanding the overall credit card landscape is critical to understanding what qualifies as a credit card deal as well as how WalletHub’s editors make their selections. WalletHub’s latest Credit Card Landscape Report
has more information.