Credit Cards
WalletHub makes it easy to find the right credit card offer.
Popular Credit Card Offers for January 2021
- Citi® Double Cash Card – 18 month BT offer: Cash Back
- Chase Sapphire Preferred® Card: Bonus Rewards
- Blue Cash Preferred® Card from American Express: Groceries
- Bank of America® Cash Rewards Secured Credit Card: Bad Credit
- Petal® 2 Visa® Credit Card: Beginners
- U.S. Bank Visa® Platinum Card: Low Rates
- Capital One Venture Rewards Credit Card: Travel Rewards
- Bank of America® Cash Rewards Credit Card for Students: Students … show more
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 10+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Chase Freedom Unlimited® Chase Freedom Unlimited®

- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- See More Details & Reviews About TheChase Freedom Unlimited®
Capital One® Walmart Rewards® Mastercard® Capital One® Walmart Rewards® Mastercard®

- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Walmart Rewards® Mastercard®
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Diamond Preferred® Card
Indigo® Mastercard® for Less than Perfect Credit Indigo® Mastercard® for Less than Perfect Credit

- Pre-qualify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
- See More Details & Reviews About TheIndigo® Mastercard® for Less than Perfect Credit
Destiny Mastercard® Destiny Mastercard®

- All the benefits of a Mastercard, without a security deposit
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
- See More Details & Reviews About TheDestiny Mastercard®
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card

- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 2 Visa® Credit Card
Milestone® Mastercard® - Less Than Perfect Credit Considered Milestone® Mastercard® - Less Than Perfect Credit Considered

- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
- Disclaimers: *Dependent on credit worthiness
- See More Details & Reviews About TheMilestone® Mastercard® - Less Than Perfect Credit Considered
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Learn More About the Latest Credit Card Offers

For all of the latest credit card market averages, you can check out WalletHub’s complete Credit Card Landscape Report. And if you want to learn more about which credit card offers in particular are leading the credit card landscape right now, just keep reading.
WalletHub's editors compared 1,500+ credit card offers and picked the best credit cards in the most popular categories, based on rewards, rates, fees, approval requirements and benefits. You can find a summary of their selections below.
Best Credit Card Offers for January 2021
Credit Card | Best For | Annual Fee | Credit Required |
Citi® Double Cash Card – 18 month BT offer | Cash Back | $0 | Excellent |
Bank of America® Cash Rewards Secured Credit Card | Bad Credit | $0 | Bad |
Petal® 2 Visa® Credit Card | Beginners | $0 | Limited History |
U.S. Bank Visa® Platinum Card | Low Rates | $0 | Excellent |
Bank of America® Cash Rewards Credit Card for Students | Students | $0 | Limited History |
Chase Sapphire Preferred® Card | Bonus Rewards | $95 | Good |
Blue Cash Preferred® Card from American Express | Groceries | $95 | Good |
Capital One Venture Rewards Credit Card | Travel Rewards | $95 | Good |
Knowing your credit score is crucial to finding the right credit card offers for your needs. If you don’t know where you currently stand, you can check your latest credit score for free on WalletHub. The top credit cards overall require good or excellent credit for approval.
If you’re more in the market for information about how credit cards work and the latest credit card market trends than a new credit card to apply for, WalletHub has a lot of great guides, studies and statistics pages to help you learn. You’ll find a number of prominent examples in the sections below.
Credit Card Industry Statistics
- Market Share by Credit Card Issuer: Learn which banks and credit unions issue the most credit cards, plus which credit card company’s customers spend the most.
- Market Share by Credit Card Network: See how Visa, Mastercard, Discover and American Express credit card offers compare in terms of purchase volume and number of cards in circulation.
- Number of Credit Cards and Credit Card Holders: Find out how many people have credit cards, how many cards they have on average, and how those stats have changed over time.
- Credit Card Consumer Satisfaction: Credit cards should make life easier, not become a source of frustration. Learning which credit card companies make their customers happiest can help you find the right fit.
- Historical Credit Card Interest Rates: See what interest rates credit card users have paid over time, including the averages for all accounts and accounts with a balance.
- Currency Exchange Study: Find out how much you can save by automatically converting currency with a credit card while traveling abroad, versus exchanging money at a bank or airport kiosk.
- Credit Card Deferred Interest Study: Retailer financing can be a dangerous proposition, thanks to a feature known as deferred interest. Learn what it is, who uses it and how to avoid it.
Credit Card Benefits Studies
- Credit Card Rewards Report: Hundreds of credit cards offer rewards. But they won’t all reward you equally. To help credit card shoppers make an informed decision, we compared the most popular rewards cards to see how much the average person would earn with each over two years of use.
- Return Protection: Find out whether your favorite credit cards will cover returns on recent items that the store won’t accept.
- Rental Car Insurance: Don’t pay for rental car insurance when your credit card provides it for free. But make sure your card has good enough coverage.
- Price Protection: Lots of credit cards have a price-matching feature, where you can get a refund for the difference between what you paid for an item and a lower price advertised soon thereafter.
- Extended Warranty: Many credit cards will extend the manufacturer’s warranty on eligible items, giving you extra time to get a refund, exchange or free repairs.
- Travel Insurance: The best credit cards for travel insurance will cover you for accidents while in transit, lost or delayed luggage, delayed or cancelled travel, and more.
- Purchase Protection: Sometimes, items we pay for with a credit card break or get stolen soon after we buy them. Purchase protection is a complimentary benefit on some credit cards that covers the cost of repairing or replacing the item.
- Small Business Credit Card Study: Business credit cards are not legally bound to provide the same user protections as personal credit cards. But some credit card companies proactively extend certain benefits to their business card customers.
Post-Holiday Shopping Survey
WalletHub conducted a nationally representative online survey to see how consumers have handled the holiday shopping season as well as to gauge people’s financial expectations for the new year. You can find the complete results in the following infographic.

Questions & Answers
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....show moreshow less
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Featured Credit Cards
Ask the Experts
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?
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Qianwen (Rachel) Bi
Assistant Professor of Finance and Economics in the Woodbury Business School at Utah Valley University
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Joshua R. Zender
Ph.D., CPA, CIA, CGFM, CGMA, Associate Professor/MBA Program Coordinator, Humboldt State University
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Alexander Regina
Ph.D., Assistant Professor of Marketing, Walker College of Business, Mercyhurst University
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Scott W. Hegerty
Associate Professor of Economics, Northeastern Illinois University
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Tom Lehman
Ph.D., Professor of Economics, College Of Arts And Sciences, Indiana Wesleyan University
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Ryan Decker
Ph.D., Assistant Professor of Economics and Finance, Director, Center for Financial Literacy, School of Business and Entrepreneurship, North Central College
Read More
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.
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.