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Cash-back credit cards
Not everyone travels enough to make cards like the Chase Sapphire Preferred® Card worth it. If you'd prefer to earn money back on your spending, you have plenty of great options as well. Unless otherwise specified, these cash-back cards don't have an annual fee.
Blue Cash Preferred® Card from American Express — This card has a $95 (waived the first year) annual fee (See rates), and it has some great bonus categories. These include 6% back on select U.S. streaming services, 6% back on up to $6,000 spent at U.S. supermarkets each year (then 1%), 3% back at U.S. gas stations and on transit, and 1% on everything else. Read the Blue Cash Preferred Card review.
Blue Cash Everyday® Card from American Express — If you don't want to pay an annual fee while you earn cash back, this Amex card is worth a look. Bonus categories include U.S. supermarkets, U.S. gas stations, and select U.S. department stores. Read the Blue Cash Everyday card review.
Capital One® Savor® Cash Rewards Credit Card — If you want to earn extra cash back on your dining purchases, this is a good pick. The Savor card earns an unlimited 4% back on dining and entertainment, 2% back at grocery stores, and 1% back on everything else. There's a $95 annual fee, and no foreign transaction fees. Read the Capital One Savor card review.
Capital One Quicksilver Cash Rewards Credit Card — For those who don't want to worry about different cash-back bonus categories, the Quicksilver is a straightforward choice. It earns 1.5% cash back on all purchases, with no annual fee and no foreign transaction fees. Read the Capital One Quicksilver card review.
Chase Freedom Flex℠ — This new card replaces the original Chase Freedom, which is no longer open to new applicants. it earns 5% cash back on up to $1,500 spent in rotating bonus categories each quarter, and it also earns bonus cash back on dining, drugstores, and more. Plus, there's no annual fee. Read the Chase Freedom Flex review.
Chase Freedom Unlimited® — This card offers a solid flat rate (1.5% back) on most purchases, and it's one of the most flexible cash-back cards around, because it gives you options (the Freedom Unlimited also recently started offering bonus cash back on eligible travel, grocery, and drugstore purchases). If you decide you'd like to get into travel rewards further down the line, you can combine your cash-back earnings from the Freedom Unlimited with Chase Ultimate Rewards points from a card like the Chase Sapphire Preferred to use them toward travel. Read the Chase Freedom Unlimited review.
Chase Freedom® — Like the Freedom Unlimited, the Chase Freedom earns cash back on every purchase. But instead of offering a flat cash-back rate, it offers 5% back on up to $1,500 spent each quarter of the year in rotating bonus categories, such as gas stations and streaming services, and 1% back on everything else. You have to activate the bonus each quarter to earn the 5% back. The Freedom's cash-back earnings can be combined with Ultimate Rewards points if you have a more premium Chase card. Read the Chase Freedom review.
Citi® Double Cash Card — If your priority is simplicity when it comes to earning cash back, the Citi® Double Cash Card is hard to beat. You'll earn 2% cash back on every purchase: 1% back when you buy, and 1% back when you pay your bill. There's no annual fee, and there are no bonus categories to keep track of. If you have another Citi card, you have the option to redeem your cash back as Citi ThankYou Rewards points that can be used for travel. Read the Citi Double Cash review.
Wells Fargo Propel American Express® card — This is a top cash-back card thanks to its many bonus categories. You'll earn 3x points (3% cash back) on eating out and ordering in, on travel, gas stations, rideshares, and transit, and on popular streaming services, and 1% back on everything else. It's also one of the rare no-annual-fee cash-back cards to waive foreign transaction fees. Read the Wells Fargo Propel Amex card review.
0% APR and balance-transfer credit cards
Credit cards that offer introductory APR periods can save you money on interest if you need to transfer an existing credit card balance or finance a large purchase over several months. Just remember that you need to pay off your debt by the end of the introductory period to avoid interest; if you don't, the fees will add up quickly.
Amex EveryDay® Preferred Credit Card from American Express — Not only is this card a great option for earning Amex Membership Rewards points without paying a sky-high annual fee (it's a reasonable $95), but this card also offers 0% intro APR on purchases for 12 months, then a 12.99% to 22.99% Variable APR. Read the Amex EveryDay Preferred card review.
Citi Simplicity® Card — This card has one of the longest introductory APR periods for balance transfers: 18 months with 0% APR, then a rate of 14.74% - 24.74% (Variable). There's no annual fee, and no rewards — the point of the card is to help you maximize your time to pay off debt without accruing interest. Read the Citi Simplicity card review.
Travel rewards credit cards
First up are the cards that can get you the most value if you're willing to put in the work: travel rewards credit cards that earn Amex, Chase, and other bank points. You can transfer these points to various airline and hotel partners, as well as use them to book travel directly through your credit card issuer.
American Express® Gold Card — If dining is one of your top spending categories, the Amex Gold is a great card for you. It earns 4x points at restaurants (and 4x at U.S. supermarkets on up to $25,000 each calendar year, then 1x) and each month you get up to $10 per month in statement credits when you use the card at GrubHub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shacks. There's a $250 annual fee (See Rates). Read the Amex Gold Card review.
American Express® Green Card — Amex recently revamped its Green card from the ground up, and the result is a great rewards card with a moderate annual fee of $150. That fee is especially easy to justify if you can use the card's annual statement credits: up to $100 toward CLEAR membership each year, and up to $100 toward airport lounge access through LoungeBuddy each year. Read the Amex Green card review.
Bank of America® Premium Rewards® credit card — This card has a $95 annual fee and earns 2x points on travel and dining, and 1.5x points on all other purchases. If you have a lot of money parked with Bank of America and you enroll in the Bank of America Preferred Rewards program, you could get even more bonus points. Reader the Bank of America Premium Rewards card review.
Capital One Venture Rewards Credit Card —Like the Sapphire Preferred, the Venture Rewards Card packs in a lot of benefits for a sub-$100-annual-fee card. You'll earn 2x miles on all purchase, and you can redeem miles to cover travel purchases on your statement, or transfer them to a selection of airline programs. Read the Capital One Venture Rewards card review.
Chase Sapphire Preferred® Card — The rewards card that started it all. For a $95 annual fee, you get 2x points on travel and dining, not to mention valuable protections like primary car rental insurance and baggage delay insurance. Read the Chase Sapphire Preferred Card review.
Chase Sapphire Reserve® — The premium sibling to the Sapphire Preferred has a $550 annual fee, but offers more perks like a $300 annual travel credit and 3x points on travel and dining. Read the Chase Sapphire Reserve review.
Citi Premier® Card — This card doesn't get nearly as much attention as the Chase Sapphire Preferred, but it offers similar valuable perks at the same price of $95 per year. It earns 3x Citi points on air travel and restaurants and offers a high sign-up bonus. Read the Citi Premier card review.
Citi Prestige® Card — This premium card has a $495 annual fee, but it could be worth it for frequent travelers thanks to a $250 annual travel credit and a 4th Night Free benefit that you can use twice per year to save money on hotel stays. Read the Citi Prestige card review.
Discover it® Miles — This card isn't a premium travel rewards cards with airport lounge access and statement credits. It has no annual fee, and it earns 1.5x miles on every purchase. You can redeem the Discover miles you earn to cover any travel purchases you make with your card. Read the Discover it Miles review.
The Platinum Card® from American Express — It's one of the most premium personal cards out there, with a $550 annual fee and a long list of benefits (See Rates). You get annual statement credits for airline incidental fees, Saks purchases, and Uber rides, and can access a variety of airport lounges including Amex's own Centurion Lounges. Read the Amex Platinum review.
Business credit cards
If you run your own company or even if you just have a side gig like freelancing or selling items online, a business credit card is a great way to separate your work expenses and earn rewards targeted to business spenders. Many business credit cards offer bonus points on categories like office supplies, and if you opt for a high-end card you can enjoy luxury travel benefits like airport lounge access.
Capital One Spark Miles for Business — The Spark Miles for Business earns 2 miles per dollar on all purchases with no cap on what you can earn, and you can either redeem your miles to cover travel expenses or transfer them to airline partners like Air Canada and Singapore Airlines. There's a $95 annual fee, but it's waived the first year. Read the Spark Miles for Business review.
Capital One Spark Cash for Business — This card is similar to the Spark Miles for Business, except it has no annual fee and earns cash back instead of miles. You'll earn 2% back on all your purchases, with no cap on how much you can earn. Read the Spark Cash for Business review.
Ink Business Preferred® Credit Card — This Chase Business card has one of the best sign-up bonuses around, and it offers great points-earning potential on categories like travel and online advertising for a reasonable $95 annual fee. Read the Ink Business Preferred card review.
Ink Business Cash® Credit Card — This no-annual-fee business card from Chase earns bonus cash back on categories like office supply stores, internet, cable, and phone services. If you pair it with a Chase card that earns Ultimate Rewards points, you can redeem the Ink Card's cash back as travel rewards with partners like British Airways and Hyatt. Read the Ink Business Cash card review.
The Business Platinum Card® from American Express — The business version of the Amex Platinum Card comes with several unique benefits, including up to $200 in statement credits for Dell purchases each year, and a 35% points rebate when you book eligible air travel through Amex. There's a $595 annual fee (See Rates), but it could be worth it for frequent business travelers. Read the Amex Business Platinum card review.
The Blue Business® Plus Credit Card from American Express — This is a great option for anyone who's looking to earn Amex points and can qualify for a business credit card. The Blue Business Plus has no annual fee (See Rates), and it earns 2x points on the first $50,000 spent each year (then 1x point). Read the Blue Business Plus card review.
American Express® Business Gold Card — If your business spends a lot on categories like U.S. advertising and airfare purchased directly from airlines, the Business Gold is a great choice. It earns you 4x points on your top two spending categories each month (from a list of six categories), on up to $150,000 in combined purchases each year (then 1x). The card has a $295 annual fee (See Rates). Read the Amex Business Gold card review.
Ink Business Unlimited® Credit Card — This card has no annual fee, and earns a flat 1.5% back on every purchase. If you want a simple card that doesn't require keeping track of any bonus categories, this could be a good choice. Read the Ink Business Unlimited review.
Brex Corporate Card for Startups and the Brex Corporate Card for Ecommerce — Brex's corporate credit card comes in two versions with slightly different benefits tailored for startups and ecommerce companies. Both flavors have no annual fee, and if you make the Brex card your exclusive corporate credit card, you can earn up to 7 points per dollar on spending, and transfer points to airlines like JetBlue. Read the Brex corporate card review.
Airline credit cards
If you're loyal to a specific airline — or even if you just travel with the same airline multiple times a year — it could be worth holding a co-branded credit card to get a free checked bag, priority boarding, and other perks. Airline credit cards run the gamut from entry-level to premium options, and the best choice for you will depend on how frequently you travel.
Alaska Airlines Visa Signature credit card — Alaska miles are very valuable, and also hard to come by. Alaska's co-branded card (with a $75 annual fee) is a great way to earn them, and you also get a companion fare each year. Read the Alaska Airlines Visa review.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®— This is one of the best credit cards for American Airlines flyers, offering 2x miles at gas stations, restaurants, and eligible American Airlines purchases, along with a free checked bag on domestic itineraries with the airline. Read the Citi / AAdvantage Platinum Select card review.
Delta SkyMiles® Blue American Express Card — If you want to earn Delta SkyMiles without paying an annual fee, this card is a good option. You'll earn 2 miles per dollar on eligible Delta purchases and at restaurants, and 1 mile per dollar on everything else. You'll also get 20% off eligible in-flight purchases with Delta. Read the Delta SkyMiles Blue Amex review.
Delta SkyMiles® Gold American Express Card — If you fly Delta a handful of times each year, this card is a good option. It has a $99 annual fee (See Rates) that's waived the first year, and offers the basic airline perks like a free checked bag when you fly Delta, priority boarding, and 2 miles per dollar on Delta purchases (and at restaurants worldwide and U.S. supermarkets). Read the Delta SkyMiles Gold Amex review.
Delta SkyMiles® Platinum American Express Card — For more frequent Delta flyers, the Platinum Delta Amex could make sense thanks to additional benefits like an annual companion certificate and the ability to earn Medallion Qualification Miles (MQMs) toward Delta Medallion elite Status. The card has a higher $250 annual fee (See Rates), but if those perks are useful to you, it can be worth it. Read the Delta SkyMiles Platinum Amex review.
Delta SkyMiles® Reserve American Express Card — Delta's most premium credit card offers an annual companion certificate and the ability to earn MQMs, but also complimentary access to Delta Sky Clubs and American Express Centurion lounges when you're flying Delta. It has a $550 annual fee (See Rates). Read the Delta Reserve Amex review.
Southwest Rapid Rewards® Performance Business Credit Card — If you qualify for a small-business credit card and you frequently fly Southwest, this card gives you lots of benefits to make your travel more comfortable. You get four upgraded boardings per year (where available), in-flight Wi-Fi credits, and up to a $100 statement credit to cover the application fee for Global Entry or TSA PreCheck. You also get 9,000 points each year after your cardmember anniversary. There's a $199 annual fee. Read the Southwest Rapid Rewards Performance Business card review.
Southwest Rapid Rewards® Premier Credit Card — This card has a $99 annual fee. One of the top reasons to consider it — or any other Southwest credit card — is that the sign-up bonus you earn from meeting the minimum spending requirement counts toward the Southwest Companion Pass. The Companion Pass lets you designate one person to travel with you on Southwest for free (minus taxes and fees) when you have a flight booked. Read the Southwest Rapid Rewards Premier card review.
Southwest Rapid Rewards® Priority Credit Card — Southwest's most premium personal credit card has a $149 annual fee and comes with some valuable benefits for the frequent Southwest flyer. You get up to $75 in Southwest travel credit each year, plus four upgraded boardings per year (where available). The points you earn with this card count toward the Companion Pass as well. Read the Southwest Rapid Rewards Priority card review.
United Club℠ Infinite Card — If you're a regular traveler and United is your airline of choice, this card could be a smart option, in large part because you get full United Club membership just for holding the card. Given the airport lounge benefit, this card charges an annual fee of $525. Read the United Club Infinite card review.
United℠ Explorer Card — United's co-branded credit card with a $95 annual fee (waived the first year) stands out for offering bonus miles on categories other than just United purchases, and an application fee credit for up to $100 for TSA PreCheck or Global Entry. As a cardholder, you also get access to additional low-level award space, which makes it easier to stretch the miles you earn. Read the United Explorer card review.
United℠ Business Card — This card has an annual fee of $99, waived the first year, and it offers bonus miles at gas stations, office supply stores, and restaurants, in addition to on United purchases. Read the United Business card review.
Read more: The best airline credit cards
Hotel credit cards
Hotel credit cards can get you complimentary elite status, bonus points on stays, and other solid perks. As with airline credit cards, the options run the gamut from basic cards with annual fees under $100 to premium picks that offer fancier benefits.
Hilton Honors American Express Aspire Card — This card has a $450 annual fee (See Review), but if you have even just a few Hilton stays in a year it can be well worth it. You get complimentary Hilton Diamond status, which can get you free breakfast and complimentary room upgrades, and each cardmember year you'll get up to $250 in Hilton resort credits and up to $250 in airline fee credits each calendar year. Read the Hilton Aspire card review.
The Hilton Honors American Express Business Card — If you qualify for a small business credit card and are a Hilton loyalist, consider this card with a moderate $95 annual fee (See Rates) and benefits like bonus points on Hilton stays and complimentary Gold Hilton status. Read the Hilton Honors Amex Business card review.
Hilton Honors American Express Surpass® Card— If you don't want to pay the $450 annual fee of the Hilton Honors American Express Aspire Card but still want to enjoy some benefits with Hilton, this card is a good option, with a moderate $95 annual fee (See Rates). You get complimentary Gold Hilton status, and you'll earn 12 points per dollar on eligible Hilton purchases. Read the Hilton Honors Surpass card review.
IHG® Rewards Club Premier Credit Card — This card gets you a lot in exchange for a fee of $89 . Each year you get an anniversary night that you can use at hotels that cost up to 40,000 points, and you get complimentary IHG Platinum status. It often runs lucrative sign-up offers, to boot. Read the IHG Rewards Club Premier card review.
Marriott Bonvoy Boundless™ Credit Card — If Marriott is your hotel chain of choice but you don't stay in hotels often enough to justify a higher-annual-fee card, the Boundless card (with a $95 annual fee) is a great option. Each year after your cardmember anniversary, you get a free night at any property that costs 35,000 points or less. Read the Marriott Bonvoy Boundless card review.
Marriott Bonvoy Brilliant™ American Express® Card — Marriott's premium consumer card has a $450 annual fee (See Rates) but offers lots of benefits to justify it, like up to $300 in annual statement credits for eligible Marriott purchases (including stays). Read the Marriott Bonvoy Brilliant Amex card review.
Marriott Bonvoy Business™ American Express® Card — If you're a small-business user who stays at Marriott hotels when you're on the road, this card offers bonus points and complimentary Silver status to make your stay more rewarding. Read the Marriott Bonvoy Business Amex review.
The World Of Hyatt Credit Card — Hyatt has a smaller portfolio of hotels than some of the other chains like Hilton and Marriott, but it has some great luxury properties, and there are some real sweet spots in the Hyatt award chart. This card earns you bonus points on Hyatt stays, at restaurants, on gym memberships, and more, and it gets you a free night at a Category 1-4 hotel each year. Read the World of Hyatt card review.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Gold Card, please click here.
Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.
For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.
For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
Get the latest Bank of America stock price here.
- Chase Sapphire Preferred
- Chase Sapphire Reserve
- The Platinum Card from American Express
- American Express Gold Card
- Capital One Venture Rewards Credit Card
- PFI TPG
- Chase Freedom Unlimited
- Cash Back Credit Cards
- Chase Freedom
- Rewards Cards
- Blue Cash Preferred Card from American Express
- Wells Fargo Propel Card
- Capital One Savor Cash Rewards Credit Card
- Gold Delta SkyMiles Credit Card from American Express
- United Explorer Card
- Southwest Rapid Rewards Premier Credit Card
- Hilton Honors American Express Aspire Card
- Hilton Honors American Express Business Card
- Ink Business Preferred
- The Business Platinum Card from American Express
- Ink Business Cash Credit Card
- Blue Business Plus Credit Card from American Express
- IP Graphics
- IHG Rewards Club Premier Credit Card
- Ink Business Unlimited
- Marriott Bonvoy Business American Express Card
- Marriott Bonvoy Brilliant American Express Card
- Alyssa Powell
- Hilton Honors American Express Surpass Card
- Capital One Spark Cash for Business
- World of Hyatt Credit Card
- American Express Green Card
- PFI More Card Coverage
- Citi Double Cash
- Citi Double Cash Card
- United Business Card
- Southwest Rapid Rewards Performance Business Card
- Southwest Rapid Rewards Priority Credit Card
- Delta Reserve Credit Card from American Express
- Credit Card roundup
- Marriott Bonvoy Boundless Credit Card
- Blue Delta SkyMiles Credit Card from American Express
- Capital One Quicksilver Cash Rewards Credit Card
- Citi/AAdvantage Platinum Select World Elite Mastercard
- Citi AAdvantage Platinum Select
- PFI Short Code
- Citi Premier Card
- Blue Cash Everyday Card from American Express
- PFI Related Content Module
- Citi Simplicity Card
- Chase Freedom Flex
- Citi Prestige Card
- Amex EveryDay Preferred Credit Card from American Express
- United Club Infinite Card
- Discover it Miles
- Discover it Miles Card
- Bank of America
- Bank of America Premium Rewards card