Best Credit Card Promotions

One of the best Bank of America credit card promotions is a 50,000 points initial bonus from Bank of America® Premium Rewards® credit card. The best Bank of America credit card promotion for cash back is $200 for spending $1,000 in the first 90 days with Bank of America® Customized Cash Rewards credit card. It also has a $0 annual fee and gives intro APRs of 0% for 15 billing cycles on purchases and 0% for 15 billing cycles for any balance transfers made in the first 60 days, followed by a regular APR of 13.99% - 23.99% Variable. The balance transfer fee is 3% (min $10).

If you're looking for a Bank of America credit card promotion for financing, the BankAmericard® credit card will give you 0% intro APR on purchases for 18 billing cycles and balance transfers for 18 billing cycles for any balance transfers made in the first 60 days, followed by a regular APR of 12.99% - 22.99% Variable. There are a few more cards worth your attention, too.

Here are the Bank of America credit card promotions:

• 50,000 points for spending $3,000 in the first 90 days: Bank of America Premium Rewards credit card
• $200 cash bonus for spending $1,000 in the first 90 days: Bank of America Cash Rewards credit card
• 25,000 points bonus for spending $1,000 in the first 90 days: Bank of America® Travel Rewards credit card
• 0% intro APR on purchases for 18 billing cycles and balance transfers for 18 billing cycles for any balance transfers made in the first 60 days (3% (min $5) balance transfer fee): BankAmericard credit card
• $200 cash bonus for spending $1,000 in the first 90 days: Bank of America® Customized Cash Rewards Credit Card for Students
• 25,000 points bonus for spending $1,000 in the first 90 days: Bank of America® Travel Rewards Credit Card for Students

You'll need to have excellent credit or be a college student to get one of these Bank of America credit card promotions. The cards also come with more than just their sign-up perks. They offer rewards on all purchases, for one thing.

For example, the Bank of America Premium Rewards credit card gives 2 points / $1 on travel, and the Bank of America Cash Rewards credit card gives 3% cash back in the category of your choice and 2% on groceries and wholesale clubs (up to $2,500 spent per quarter in those categories combined). And most cards give you even more rewards when you have a Bank of America checking or savings account.

If you have bad credit, there's still a BofA card for you. You can get the Bank of America® Customized Cash Rewards Secured Credit Card, which has a $0 annual fee. You make a security deposit of $300 and receive a credit line equal to that amount.

Current Lowe's credit card promotions include 5% off all Lowe's purchases and 6 months of 0% deferred interest on purchases of $299 or more. The Lowe's Store Card gives you a choice between the two.

There are also Lowe's Business Credit Card promotions. You get $100 cash back upon approval.

Occasionally, Lowe's also runs limited-time credit card promotions for all cardholders. Lowe's Store Card can only be used at Lowe's. But the business card can be used anywhere American Express is accepted.

Here are the Lowe's credit card promotions:

• 5% off all Lowe's purchases: Both Lowe's credit cards
• 0% to 7.99% for 6 to 84 months deferred interest, depending on the purchase: Lowe's Store Card. Can get this or 5% off purchases. 26.99% regular APR.
• $100 cash back upon approval: Lowe's Business Credit Card
• Special temporary discounts: Both Lowe's credit cards. A recent example is 20% off your purchase when you open and use your card (up to $100 discount) with Lowe's Store Card.

The Lowe's Business Credit Card offers some great rewards, too; 1 - 3 points per $1 spent, depending on the type of purchase. Plus, the card comes with purchase protection, car rental loss and damage insurance, extended warranty coverage, and special discounts with LowesForPros.

As far as the personal card goes, you should probably pick 5% off Lowe's purchases out of the two promotions. Deferred interest really isn't worthwhile. You'd get no interest if you pay in full within 6 months. But if you don't, you'd owe all 6 months' worth of interest at 26.99%. If you need to finance, you're better off getting a card that really gives you 0% interest and only charges interest on the balance that's left after the intro period ends. For example, you could try the Citi Simplicity® Card - No Late Fees Ever.

All in all, the best-value Chase credit card promotion comes from the Chase Sapphire Preferred® Card. It offers 100,000 points – worth $1,250 in travel – for spending $4,000 in the first 3 months. And its annual fee is just $95.

There are several great Chase Sapphire promotions right now. The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® both offer large initial bonuses, along with even more ways to earn extra. And there's a lot more to be excited about too, like extra point redemption value and airport lounge access.

Here are all the Chase Sapphire promotions right now:

• 100,000 initial bonus points. Chase Sapphire Preferred offers 100,000 points when you spend $4,000 in the first 3 months your account is open. This promotion is available to anyone who hasn't gotten a Sapphire sign-up bonus in the past 48 months.
• 60,000 initial bonus points. Chase Sapphire Reserve offers 60,000 points when you spend $4,000 in the first 3 months your account is open. This promotion is available to anyone who hasn't gotten a Sapphire sign-up bonus in the past 48 months.
• Up to $300 Annual Travel Credit. The Chase Sapphire Reserve gets you up to $300 every account anniversary as reimbursement in statement credits for travel purchases charged to your account. Gas station and grocery purchases will also earn you Travel Credit until June 30th, 2021.
• Referral bonus. If you own a Chase Sapphire Preferred and someone applies for the same card with your referral link and gets approved, you'll get 15,000 bonus points. You can do this up to 5 times per year, for a total of 75,000 points.
• Extra rewards on travel & dining. You'll earn 2 points / $1 in these categories with Chase Sapphire Preferred and 3 points / $1 with Chase Sapphire Reserve after earning your $300 travel credit. 1 point / $1 for all other purchases on both Sapphire cards.
• Travel redemption bonus. Chase Sapphire Preferred points are worth 25% more when redeemed for travel through Chase Ultimate Rewards, compared to cash redemptions. Chase Sapphire Reserve points are worth 50% more.
• Statement credit redemption bonus with Pay Yourself Back. Chase Sapphire Preferred gets you 25% more value when you redeem points for statement credits against existing purchases in select, rotating categories through the Pay Yourself Back feature from the Ultimate Rewards portal. Chase Sapphire Reserve will boost your points worth by 50% using the same method. Points must be redeemed within 90 days of the eligible purchase.
• Extra Statement Credit through Peloton purchases. Chase Sapphire Preferred earns you up to $60 in statement credits on qualifying Peloton purchases, while Chase Sapphire Reserve can get you up to $120 through December 31st, 2021.
• Extra Statement Credit through DoorDash. Receive up to $60 in statement credit when making qualifying DoorDash purchases with your Chase Sapphire Reserve by December 31st, 2021.
• Complimentary DashPass from DoorDash. 12 month of complimentary DashPass for use on the DoorDash and Caviar apps when the subscription is activated either through a Chase Sapphire Preferred, or Chase Sapphire Reserve card.
• 12 months of Lyft Pink membership. Chase Sapphire Reserve accounts receive a complimentary Lyft Pink membership (worth at least $199) for 12 consecutive months when the membership is activated with a Chase Sapphire Reserve by March 31st 2022.
• Global Entry or TSA PreCheck Application Fee Statement Credit. Up to $100 statement credit for Global Entry and TSA PreCheck application fees covered with the Chase Sapphire Reserve.
• Priority Pass Select Membership. Chase Sapphire Reserve gives you access to lounges, restaurants, cafes and markets participating in the Priority Pass network worldwide.

So, in conclusion, with all of these Chase Sapphire promotions combined, you're in pretty good shape. You'll recoup the cost of many years' annual fees from points alone. And the other promotions pile more value on top.

One of the best Delta credit card promotions is 80,000 miles for spending $5,000 in the first 3 months with the Delta SkyMiles® Reserve American Express Card. It also offers a round-trip companion certificate every year. There's free Delta Sky Club access too. This card charges a hefty $550 annual fee, but its rewards more than make up for it for frequent flyers.

The Delta SkyMiles® Reserve American Express Card, the Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Gold American Express Card provide a free first checked bag and priority boarding. All Delta SkyMiles cards also offer a 20% statement credit on food, alcohol and audio headset purchases made on Delta flights. And those are just some of the Delta credit card promotions the airline currently offers.

Here are the best Delta Airlines credit card promotions:

• Delta SkyMiles® Reserve American Express Card: 80,000 miles and 20,000 Medallion Qualification Miles for spending $5,000 in the first 3 months, plus a $200 statement credit after making a Delta purchase in the first 3 months (this is a limited-time offer ending 7/28/2021). Accelerated Medallion Qualification Miles earnings, that get you closer to Medallion Status. 3 miles per $1 spent on Delta purchases and 1 mile per $1 on all other purchases. Free Delta Sky Club access for the cardholder and discounted per-visit rate for up to two guests. Free companion certificate every account anniversary.
• Delta SkyMiles® Platinum American Express Card: 90,000 miles for spending $3,000 in the first 3 months, plus a $200 statement credit after making a Delta purchase in the first 3 months (this is a limited-time offer ending 7/28/2021). Accelerated Medallion Qualification Miles earnings, that get you closer to Medallion Status. 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants and U.S. supermarkets, and 1 mile per $1 on all other purchases. Discounted Delta Sky Club rate for the cardholder and up to two guests. Free companion certificate every account anniversary.
• Delta SkyMiles® Gold American Express Card: 70,000 miles for spending $2,000 in the first 3 months, plus a $200 statement credit after making a Delta purchase in the first 3 months (this is a limited-time offer ending 7/28/2021). After you spend $10,000 in purchases in a calendar year, you will also receive a $100 Delta Flight Credit. 2 miles per $1 on Delta purchases, 2 miles per $1 at restaurants and U.S. supermarkets, and 1 mile per $1 on all other purchases.
• Delta SkyMiles® Blue American Express Card: 10,000 miles for spending $500 in the first 3 months. 2 miles per $1 spent on Delta purchases, 2 miles per $1 at restaurants, and 1 mile per $1 on all other purchases.

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, 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.

Yes, there are some ongoing Chase Freedom Unlimited® promotions, including a $200 sign up bonus after spending $500 within 3 months, along with an introductory APR offer of 0% for 15 months on purchases.

The Chase Freedom Unlimited® sign-up bonus is available to new cardholders. Previous cardholders who open a new account are also eligible as long as they have not received this bonus in the past 24 months.

The introductory APR promotion of 0% for 15 months is above-average when compared to cards with similar offers. Once the intro rate expires, the APR for purchases goes to 14.99% - 23.74% (V).

In addition to those limited-time Chase Freedom Unlimited® promotions, the card comes with a $0 annual fee. It also offers 1.5 - 5% cash back on purchases. Cash back rewards do not expire as long as your account is open. There's also no minimum amount required to redeem.

The best Capital One credit card promotions are $0 foreign transaction fees on all cards and the Capital One Venture Rewards Credit Card's 100,000 miles bonus for spending $20,000 within the first 12 months. Or, you can still get 50,000 miles for spending $3,000 in the first 3 months. Plus, this card offers 5 miles per $1 spent on Capital One Travel. And it gives 2 miles per $1 on all other purchases.

This card is a bit expensive though. It costs $95 per year after the first. Luckily, there's another Capital One credit card promotion for travelers who don't want to pay an annual fee. You get 20,000 miles for spending $500 in the first 3 months with the Capital One VentureOne Rewards Credit Card.

Capital One has more than just travel card promotions. The Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back for spending $500 in the first 3 months. Plus, it gives 0% intro APR for 15 months on purchases. And the Capital One® Spark® Cash for Business offers a $500 bonus for spending $4,500 in the first 3 months.

But the best Capital One credit card promotion is the fact that they offer credit cards to people with all credit scores. Everyone with bad to excellent credit, from students to small business owners, can find a card for them.

Here are the best Capital One credit card promotions:

• 100,000 miles for spending $20,000 within the first 12 months or 50,000 miles for spending $3,000 in the first 3 months: Capital One Venture
• 50,000 miles for spending $4,500 in the first 3 months: Capital One® Spark® Miles for Business
• 20,000 miles for spending $500 in the first 3 months: Capital One VentureOne Rewards Credit Card
• 20,000 miles for spending $3,000 in the first 3 months: Capital One® Spark® Miles Select for Business
• $500 cash back when you spend $4,500 in the first 3 months: Capital One® Spark® Cash for Business
• $200 cash back when you spend $3,000 in the first 3 months: Capital One® Spark® Cash Select for Business
• $200 cash back when you spend $500 in the first 3 months: Capital One Quicksilver
• $300 cash back when you spend $3,000 in the first 3 months: Capital One® Savor® Cash Rewards Credit Card
• 0% intro APR on purchases 15 months ($0 at the Transfer APR transfer fee): Capital One Quicksilver
• 0% intro APR on purchases for 12 months: Capital One VentureOne Rewards Credit Card
• 0% APR on purchases for 9 months: Capital One® Spark® Cash Select for Business & Capital One® Spark® Miles Select for Business
• No foreign transaction fee: All Capital One cards
• Pick your own monthly due date: Journey Student Rewards from Capital One

There are also some great Capital One credit card deals that are more permanent than promotional. For example, Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases. People with limited can get it. The Capital One Platinum Credit Card is a $0 annual fee starter card. And the Secured Mastercard® from Capital One might give you a credit line that's bigger than your security deposit.

The best Wells Fargo credit card promotions running right now are a $150 cash bonus from the Wells Fargo Cash Wise Visa® card and a bonus of 20,000 points with the Wells Fargo Propel American Express® card.

To get the Wells Fargo Cash Wise Visa® card bonus, spend just $500 in the first 3 months after opening an account. The Wells Fargo Propel American Express® card requires spending $1,000 in the first 3 months to qualify for its bonus.

Other Wells Fargo credit card promos include extra rewards on certain spending categories. For example, both the Wells Fargo Visa Signature® Card and the Wells Fargo Rewards® Card give 5 points per $1 spent for six months on up to $12,500 in gas, grocery and drugstore purchases. After that, it's 1 point per $1 spent. These two cards also come with a long 0% introductory APR offer: The Wells Fargo Visa Signature® Card gives an intro APR of 0% for 15 months for purchases and 0% for 15 months for balance transfers. The Wells Fargo Rewards® Card gives 0% APR for 15 months for purchases and 0% for 15 months for balance transfers.

The Wells Fargo Platinum card has the best introductory APR offer. For purchases, it's 0% for 18 months. And it also offers 0% for 18 months on qualifying balance transfers. The balance transfer fee is 3% intro for 120 days, then up to 5% (min $5).

There is no Uber credit card promotion anymore as the Uber Credit Card has been discontinued. However, there are other cards that feature Uber promotions or other general perks that can be used toward Uber.

Here are some of the credit cards that are best for Uber:

• The Platinum Card® from American Express: Offers up to $200 in Uber credits each year for Uber rides or eats in the U.S. (up to $15 per month and $20 in December), redeemable by adding your card as a payment method to the Uber app.
• : Gives you $300 annual travel credit as a statement credit reimbursement for your travel purchases, including Uber rides. Through December 31st 2021, gas station and grocery store purchases will also earn you travel credit. Once you've earned the $300 annual travel credit, you also get 3 points / $1 spent on travel and an extra 7 points (for a total of 10 points) on qualifying Lyft rides until March 31st 2022. 1 point / $1 on everything else.
• Blue Cash Preferred® Card from American Express: Doesn't feature any promotions specifically designed with Uber in mind, but it earns you a $150 statement credit after spending $3,000 in the first 6 months. On top of that, you earn N/A cash back on U.S. supermarkets purchases (up to $6,000 spent per year, then 1% thereafter) and many U.S streaming services. You also get 3% cash back on U.S. gas stations and transit, including Uber, taxis, subways and buses and 1% on all other purchases. Cash back is paid out in the form of statement credits.
• : Doesn't have any Uber-specific promotions, but its initial bonus coupled with its earn rate of 2 miles / $1 spent on all purchases makes it a great general purpose travel card. New cardholders earn 100,000 miles bonus for spending $20,000 within the first 12 months or 50,000 bonus miles for spending $3,000 in the first 3 months. Miles can be redeemed for recent Uber rides through Capital One's Purchase Eraser at a rate of 1 cent per point within 90 days from the date the purchase posts to your account.

You could pay for Uber rides with a debit card. But if you do, you'll lose out on all the rewards that credit cards offer. Even if the rewards aren't Uber-specific, it'll still be worthwhile to get something back for every dollar you spend.

The best credit card balance transfer promotions right now are from the Citi® Diamond Preferred® Card and the U.S. Bank Visa® Platinum Card, as they both have long introductory balance transfer APRs.

Another interesting credit card balance transfer promotion is from Citi® Double Cash Card – 18 month BT offer. It's attractive because you get 0% intro APR for 18 months on balance transfers. The balance transfer fee is 3% (min $5). You may also want to consider the SunTrust Prime Rewards Credit Card, which has a 3.25% (V) intro APR on balance transfers for 36 months, $0 balance transfer fees and $0 annual fees.

In other words, there are plenty of credit card balance transfer promotions out there. Which you choose depends a lot on things like your credit score and timeline for paying off what you owe.

Latest credit card balance transfer promotions:

• Citi Double Cash Card:

  0% intro APR for 18 months, 3% (min $5) balance transfer fee, $0 annual fee. 13.99% - 23.99% (V) regular APR. 2% cash back. Requires good credit.

• U.S. Bank Visa® Platinum Card:

  0% intro APR for 20 billing cycles, 3% (min $5) balance transfer fee, $0 annual fee. 14.49% - 24.49% (V) regular APR. Requires good credit.

• Bank of America® Customized Cash Rewards Credit Card for Students:

  0% intro APR for 15 months, 3% (min $10) balance transfer fee, $0 annual fee. Transfers must be completed in the first 60 days to keep the 0% intro APR. 13.99% - 23.99% (V) regular APR. Offers 1 - 3% cash back depending on type of purchase. Limited History is accepted.

• BankAmericard® credit card:

  0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days, 3% (min $10) balance transfer fee, $0 annual fee. 12.99% - 22.99% Variable regular APR. Requires excellent credit.

• Citi Diamond Preferred:

  0% intro APR for 18 months, 3% (min $5) balance transfer fee, $0 annual fee. Transfer needs to be completed in first 4 months. 14.74% - 24.74% (V) regular APR. Requires good credit.

• Wells Fargo Platinum card:

  0% intro APR for 18 months on qualifying balance transfers, 3% intro for 120 days, then up to 5% (min $5) balance transfer fee, $0 annual fee. 16.49% - 24.49% Variable regular APR. Requires good credit.

• SunTrust Prime Rewards Credit Card:

  3.25% (V) intro APR for 36 months, $0 balance transfer fee, $0 annual fee. 11.24% - 21.24% (V) regular APR. Offers 1 - 3% cash back on all purchases. Requires excellent credit.

The best credit card balance transfer promotions aren't guaranteed to last forever. If you've been thinking about a balance transfer and have worked out a solid repayment plan, jump on the chance for a long 0% APR with a $0 transfer fee.

The best deals are reserved for those with good or excellent credit, so if you have bad or fair credit, your first goal should be to improve it. Once you get approved for a balance transfer credit card, don't wait around to complete the transfer because the 0% APR clock usually starts ticking the day your account opens.