Advertiser Disclosure

Best Credit Cards Of September 2024

Updated: Aug 31, 2024, 9:05am

Credit Propose has compiled a list of the best credit cards of 2024 to cater to diverse needs of families, purchases, and budgets. We have chosen the most suitable credit cards for various situations.

Editorial Note: Our editors’ opinions and evaluations remain unaffected by the commissions we earn from partner links on Credit Propose.

Best Credit Cards of 2024

On This Page

0% APR Best Credit Cards

Best Balance Transfer Credit Cards

Best Cash Back Credit Cards

Best Travel Credit Cards

Best First Credit Cards To Build Credit

Best student cards

Best cards for bad credit

Best Rewards Credit Cards

Best Airline Credit Cards

Best Business Credit Cards

Top Best 0% APR Credit Cards Of 2024

BEST 0% APR ON PURCHASES AND BEST BALANCE TRANSFER

Wells Fargo Reflect® Card

Apply Now
On Wells Fargo’s secure website
Wells Fargo Reflect® Card

Credit Propose

5.0

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Welcome Bonus

None

N/A

Annual Fee

$0

Regular APR

18.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BEST BALANCE TRANSFER

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

Credit Propose

5.0

Apply Now
On Wells Fargo’s secure website

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Welcome Bonus

N/A

N/A

Annual Fee

$0

Regular APR

18.24% – 24.99%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. 
  • Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
  • Transaction Fee- 5% for each balance transfer, with a minimum of $5.
  • Late Payment Up to $40
  • 0.00% intro APR for up to 21 months on purchases and qualifying balance transfers.
  • After that, your APR will be 18.24%, 24.74%, or 29.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
  • APR for Cash Advances and Overdraft Protection Advances- 29.99%
  • No annual fee
  • Balance Transfers Fee- 5% for each balance transfer, with a minimum of $5.
  • Cash Advances Fee- Either $10 or 5% of the amount of each advance, whichever is greater.
  • Foreign Currency Conversion/Foreign Transaction Fee- 3% of each transaction converted to U.S. dollars.
  • Late Payment fee-Up to $40

Top Best Balance Transfer Credit Cards Of 2024

BEST 0% APR ON BALANCE TRANSFER

Citi Double Cash® Card

Apply Now
On Citi’s secure website
Citi Double Cash® Card

Credit Propose

5.0

With the Citi Double Cash® Card, earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps or annual fee. 0% Intro APR for 18 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months. 

intro APR

0% Intro APR for 18 months on balance transfers only

18 months

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON BALANCE TRANSFER

Citi Double Cash® Card

Citi Double Cash® Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

With the Citi Double Cash® Card, earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps or annual fee. 0% Intro APR for 18 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.

intro APR

0% Intro APR for 18 months on balance transfers only

18 months

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.
  • 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase. No category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
  • Limited time offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24
  • 0% Intro APR for 18 months on balance transfers only
  • 0% annual fee
  • $200 Cash Back- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening
  • 2% Cash Back- Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase. No category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
  • Limited time offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24.
  • Purchase Rate: 19.24% – 29.24% Variable APR, based on your creditworthiness.
  • Balance Transfer Fee: Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
  • Balance Transfers do not earn cash back.
  • The intro rate does not apply to purchases.

BEST 0% APR ON PURCHASES AND BALANCE TRANSFER

U.S. Bank Visa® Platinum Card

Apply Now
On Citi’s secure website
U.S. Bank Visa® Platinum Card

Credit Propose

5.0

For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that the APR is variable, currently 18.74% – 29.74%.

intro APR

0% Intro APR for 18 months on purchases and balance transfers

18 months

Annual Fee

$0

Regular APR

18.74% – 29.74%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BALANCE TRANSFER

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that the APR is variable, currently 18.74% – 29.74%.

intro APR

0% Intro APR for 18 months on purchases and balance transfers

18 months

Annual Fee

$0

Regular APR

18.74% – 29.74%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • 0% Intro APR for 18 months on purchases and balance transfers
  • Balance Transfer fee: 3% of each transfer amount, $5 minimum.
  • Pay over time with a U.S. Bank ExtendPay® Plan.
  • Autopay & due date choice
  • Cell phone protection -up to $600
  • ID Navigator Powered by NortonLifeLock™
  • 3%- Foreign Transaction fee
  • U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% 
  • No annual fee
  • The 0% introductory APR applies to purchases and is valid for the first 18 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to cash advances.
  • Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 18.74% – 29.74% based on your creditworthiness.
  • The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum.
  • Balance Transfer fee: 3% of each transfer amount, $5 minimum.
  •  Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. 
  •  U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan.
  • Balance Transfers transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585.
  • Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule.
  • Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card

Best Cash Back Credit Cards

BEST CASH BACK & 0% INTRO APR

Citi Custom Cash℠ Card

Apply Now
On Citi’s secure website
Citi Custom Cash℠ Card

Credit Propose

5.0

0% intro APR for 15 months on purchases and balance transfers. 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1%unlimited cash back on all other purchases

Welcome Bonus

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% intro APR for 15 months on purchases and balance transfers. 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1%unlimited cash back on all other purchases

Welcome Bonus

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum.
  • 1% unlimited cash back on all other purchases.
  • 0% intro APR for 15 months on purchases and balance transfers.
  • Fee for foreign purchases — 3%
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
  • 1% unlimited cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Introductory rate of 0% for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After the introductory period ends, a variable APR of 19.24% – 29.24%, based on your creditworthiness
  • No annual fee
  • Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater.

BEST CASH BACK & 0% INTRO APR

Bank of America® Customized Cash Rewards credit card

Apply Now
On Citi’s secure website
Bank of America® Customized Cash Rewards credit card

Credit Propose

5.0

0% Intro APR for your first 15 billing cycles for purchases and balance transfers. Earn 3% cash back in the category of your choice. 

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% Intro APR for your first 15 billing cycles for purchases and balance transfers. Earn 3% cash back in the category of your choice. 

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn 3% cash back in the category of your choice — with newly-expanded options
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn unlimited 1% cash back on all other purchases.
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • 0% Intro APR for your first 15 billing cycles for purchases and balance transfers
  • 3% Balance Transfer Fee
  • 3% Foreign Transaction Fee
  • Up to 40% Late Payment Fee
  • $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.
  • Earn 3% cash back in the category of your choice — with newly-expanded options: gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
  • Earn unlimited 1% cash back on all other purchases.
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that’s currently 18.24% to 28.24% will apply. A 3% fee applies to all balance transfers.
  • No annual fee

Best Travel Credit Cards

BEST FOR TRAVEL AND 3X, 5X REWARDS

Chase Sapphire Preferred® Card

Apply Now
On Chase’s secure website
Chase Sapphire Preferred® Card

Credit Propose

5.0

For example 60,000 points are worth $750 toward travel when redeemed through Chase Ultimate Rewards®, or $600 when redeemed for cash.

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when redeemed through Chase Ultimate Rewards®

60,000 points

Annual Fee

$95

Regular APR

21.49% – 28.49%

Credit Score

Excellent, Good (700 – 749)

BEST FOR TRAVEL AND 3X, 5X REWARDS

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Credit Propose

5.0

Apply Now
On Chase’s secure website

For example 60,000 points are worth $750 toward travel when redeemed through Chase Ultimate Rewards®, or $600 when redeemed for cash.

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when redeemed through Chase Ultimate Rewards®

60,000 points

Annual Fee

$95

Regular APR

21.49% – 28.49%

Credit Score

Excellent, Good (700 – 749)

  • 60,000 Bonus Points
  • 10% anniversary points bonus
  • $50 Annual Ultimate Rewards Hotel Credit:
  • 5X and 3X rewards rates
  • $95 annual fee
  • No Intro APR
  • 60,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening
  • Each point you redeem for travel booked through Chase Ultimate Rewards is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value. For example, 60,000 points are worth $750 when redeemed for travel purchases, or $600 when redeemed for cash. 
  • 10% anniversary points bonus: Each account anniversary year, you’ll earn bonus points that equal 10% of your total spend in points
  • $50 Annual Ultimate Rewards Hotel Credit: A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program
  • Earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery
  • Earn an additional 2 points (total 5 points) for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application 
  • $95 annual fee
  • APR-21.49% to 28.49%, based on your creditworthiness

Best First Credit Cards To Build Credit

BEST SECURED CREDIT CARD

Discover It® Secured Credit Card

Apply Now
On Discover’s secure website
Discover It® Secured Credit Card

Credit Propose

5.0

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Plus, earn unlimited 1% cash back on all other purchases.

Minimum Deposit

You must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit.

$200

Annual Fee

$ 0

Regular APR

28.24%

Credit Score

Build/Rebuild Credit

BEST SECURED CREDIT CARD

Discover It® Secured Credit Card

Discover It® Secured Credit Card

Credit Propose

5.0

Apply Now
On Discover’s secure website

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Plus, earn unlimited 1% cash back on all other purchases.

Minimum Deposit

You must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit.

$200

Annual Fee

$ 0

Regular APR

28.24%

Credit Score

Build/Rebuild Credit

  • No annual fee
  • Minimum security deposit is $200
  • You will get your deposit back after 7 months
  • Earn 2% Cashback Bonus® at Gas Stations and Restaurants.
  • And unlimited 1% cash back on all other purchases.
  • Rewards never expire.
  • $0 Fraud Liability
  • Free Social Security number alerts
  • 100% U.S. Based Customer Service
  • View your FICO® Credit Score for free
  • Returned Payment fee is up to $41
  • You must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit.
  • Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit. 
  • Discover will refund your security deposit if you have made all payments on time for the last six billing cycles.
  • Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
  •  Plus, earn unlimited 1% cash back on all other purchases.
  • Rewards Redemption: Rewards never expire. 
  • APR – 28.24%.
  • No annual fee
  • You’re never responsible for unauthorized purchases on your Discover Card
  • Free Social Security number alerts. Get an alert if Discover finds your Social Security Number on any of thousands of Dark Web sites. Activate for free.
  • 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683).
  • View your FICO® Credit Score for free. Viewing your Credit Scorecard will never impact your FICO® Score.

Best student cards

BEST CASH REWARDS

Capital One SavorOne Student Cash Rewards Credit Card

Apply Now
On Capital One’s secure website
Capital One SavorOne Student Cash Rewards Credit Card

Credit Propose

5.0

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered.

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Welcome Bonus

Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening

$50

Annual Fee

$0

Regular APR

19.99% – 29.99%

Credit Score

Fair (580-669)

BEST CASH REWARDS

Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Credit Propose

5.0

Apply Now
On Capital One’s secure website

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered.

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Welcome Bonus

Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening

$50

Annual Fee

$0

Regular APR

19.99% – 29.99%

Credit Score

Fair (580-669)

  • No annual fee
  • Earn a one-time $50 cash bonus
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered 
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Travel rewards rate rivals some of the best premium travel cards
  • Generous rewards rate in several other categories
  • No intro offer
  • No annual fee
  • Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered 
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 19.99% – 29.99% variable APR
  • No Transfer Fee with this APR

Best cards for bad credit

BEST CREDIT BUILDER

Chime Credit Builder Secured Credit Card

Apply Now
On Citi’s secure website
Chime Credit Builder Secured Credit Card

Credit Propose

5.0

Chime Doesn’t Run Credit Checks for Approval

Welcome Bonus

N/A

None

Annual Fee

$0

Regular APR

No interest

Credit Score

Credit Builder

BEST CREDIT BUILDER

Chime Credit Builder Secured Credit Card

Chime Credit Builder Secured Credit Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

Chime Doesn’t Run Credit Checks for Approval

Welcome Bonus

N/A

None

Annual Fee

$0

Regular APR

No interest

Credit Score

Credit Builder

  • No annual fee
  • No interest
  • No credit check for approval
  • Direct deposits of $200 or more
  • No rewards
  • No annual fee
  • No interest
  • Chime Doesn’t Run Credit Checks for Approval
  • You need a Chime Checking Account and qualifying direct deposits of $200 or more.
  • Chime reports to the major credit bureaus – TransUnion®, Experian®, and Equifax®

Best Rewards Credit Cards

BEST CASH BACK & 0% INTRO APR

Wells Fargo Active Cash® Card

Apply Now
On Citi’s secure website
Ink Business Cash® Credit Card

Credit Propose

5.0

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers and earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

$200

Annual Fee

$0

Regular APR

20.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Wells Fargo Active Cash® Card

Ink Business Cash® Credit Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers and earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

$200

Annual Fee

$0

Regular APR

20.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • $200 cash rewards bonus
  • 0.00% introductory APR for 15 months
  • $3%  balance transfer fee
  • Unlimited 2% cash rewards on purchases
  • 3% Foreign Transaction Fee
  • $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
  • Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.24% – 29.99%.
  • No annual fee
  • 3% Foreign Transaction Fee

Best Airline Credit Cards

BEST REWARD CARD FOR AIRLINES

Chase Sapphire Reserve®

Apply Now
On Citi’s secure website
Ink Business Cash® Credit Card

Credit Propose

5.0

The 60,000 bonus points are worth $900 toward travel when redeemed through Chase Ultimate Rewards®

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®

60,000 points

Annual Fee

$550

Regular APR

22.49%–29.49% 

Credit Score

Excellent, Good (700 – 749)

BEST REWARD CARD FOR AIRLINES

Chase Sapphire Reserve®

Chase Sapphire Preferred®

Credit Propose

5.0

Apply Now
On Citi’s secure website

The 60,000 bonus points are worth $900 toward travel when redeemed through Chase Ultimate Rewards®

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®

60,000 points

Annual Fee

$550

Regular APR

22.49%–29.49% 

Credit Score

Excellent, Good (700 – 749)

  • 60,000 bonus points
  • $1,200 in additional partnership benefit value
  • $300 Annual Travel Credit
  • 5x total points on flights
  • 10x total points on hotels
  • 3x points on dining at restaurants
  • 10x total points on Chase Dining purchases with Ultimate Rewards®
  • Complimentary Airport Lounge Access
  • Global Entry or TSA PreCheck® or NEXUS Fee Credit
  • $550 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards
  • Take advantage of over $1,200 in partner value with Sapphire Reserve
  • Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card
  • Earn 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
  • Earn 10x total points on hotels (excluding The Luxury Hotel & Resort Collection) and car rentals when you purchase travel through Chase after the first $300 is spent on travel purchases annually.
  • Earn 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out. Plus earn 3x points on other travel worldwide after the first $300 is spent on travel purchases annually
  • Earn 10x total points on Chase Dining purchases with Ultimate Rewards
  • Get 50% more value when you redeem for travel through Chase. For example, 60,000 points are worth $900 toward travel.
  • Earned ultimate rewards points do not expire as long as the account is open
  • Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass™ Select
  • 22.49%–29.49% variable APR..
  • $550 annual fee

Best Business Credit Cards

BEST CASH BACK FOR BUSINESS

American Express® Business Gold Card

Apply Now
On Citi’s secure website
American Express® Business Gold Card

Credit Propose

5.0

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle from 6 categories:

  • Purchases at US media providers for advertising in select media (online, TV, radio)
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Welcome Offer

Earn 70,000 Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership

70,000 points

Annual Fee

$295

Regular APR

19.49% – 27.49%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK FOR BUSINESS

American Express® Business Gold Card

Ink Business Cash® Credit Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle from 6 categories:

  • Purchases at US media providers for advertising in select media (online, TV, radio)
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Welcome Offer

Earn 70,000 Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership

70,000 points

Annual Fee

$295

Regular APR

19.49% – 27.49%

Credit Score

Excellent, Good (700 – 749)

  • Earn 70,000 Membership Rewards® Points
  • Earn 4X Membership Rewards® points on the 2 categories
  • Earn 3X Points on Flights & Pre-Paid Hotels
  • Earn 1X Points on other select purchases
  • $240 Flexible Business Credit
  • $155 Walmart+ Credit
  • Foreign Transaction Fee – None
  • $295 Annual fee
  • Earn 70,000 Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership.
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle from 6 categories: 1. Purchases at US media providers for advertising; 2. U.S. purchases made from electronic goods retailers and software & cloud system providers; 3.U.S. purchases at restaurants, including takeout and delivery; 4.U.S. purchases at gas stations; 5.Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways; 6.Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • Earn 1X Points on other select purchases made using your Business Gold Card.
  • $240 Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240.
  • $155 Walmart+ Credit. Walmart+ members enjoy shopping perks — both online and in-store — at Walmart. Use your Business Gold Card to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost1 each month.
  • APR on purchases will be a variable rate, 19.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Annual fee is $295
  • Foreign Transaction Fee – None
  • You may add up to 99 total Employee Cards on your account.