Best credit cards in USA for today.
Best credit cards in USA for today.
The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases.
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.
The Capital One Venture Rewards Credit Card's Regular APR: 17.24% - 24.49% (Variable).The card has an annual fee of $95.
When using your Venture card to cover the application fee, you can receive up to $100 in credit for your Global Entry or TSA Precheck application.
As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.
Capital One’s assistant program, Eno, is like your account management system rolled into one helpful assistant. It monitors your account for fraud, sends alerts, creates virtual credit card numbers and provides useful account info like your balance.
Perhaps the most interesting of these abilities is its virtual credit card number storage. Virtual credit cards are getting harder to come by, and Eno provides another layer of protection when you shop online by saving a unique virtual card number for each merchant you transact with.
The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.
In order to receive an additional 1 percent cash back rewards for your purchases (on top of the automatic 1 percent cash back you earn), you must pay off the balance you owe.
In addition to being a cash back card, the Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer on balance transfers (13.99 percent to 23.99 percent variable APR after) is one of the longest balance transfer periods currently available. Keep in mind, if you take advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is greater. Additionally, balance transfers must be made in the first four months of account opening to qualify for the rate.
For reference, if you had $2,000 in credit card debt and transferred it to the Citi Double Cash, you could pay just over $111 a month for 18 months and completely wipe out your debt — all without paying a dime in interest. Bear in mind, you’d also owe a balance transfer fee.
The Citi Double Cash extends a myriad of security and fraud protections.Get $0 fraud liability, 24-hour fraud protection, Citi Identity Theft Solutions and Lost Wallet Service — meaning Citi will replace your lost card within 24 hours and provide you with emergency cash in the meantime.
Citi Entertainment gets you access to presale tickets, events and more, whether it be a music festival, professional football game or high-end restaurant experience.
The Blue Cash Preferred provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services and transit expenses. It has a $0 introductory annual fee for the first year, then $95, but you can easily make it back if you find yourself in the grocery aisle or at the gas pump often enough.
The Blue Cash Preferred Card from American Express offers a 0% introductory APR promotion. You’ll pay no interest on purchases for 12 months and then an APR of 13.99% - 23.99% Variable, depending on your creditworthiness. The Blue Cash Preferred Card's Penalty APR is 29.24%.
The Card also has 0%introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.
The Blue Cash Preferred has a welcome bonus where cardholders earn a $300 statement credit after spending $3,000 on the new card within the first six months of card membership.
When you purchase a product with your Blue Cash Preferred card, return protection covers you if the seller won’t accept a return for the item, up to 90 days from the date of purchase.
The card’s Pay It Plan It feature can be helpful in paying down small balances but dangerous for larger purchases. With Pay It, you can quickly tap a purchase in the mobile app that is for less than $100 to make payments throughout the month. Plan It is the reverse of this: You can select purchases that are $100 or more and have them split up to make monthly payments for a fixed monthly fee instead of interest charges. This can be a good deal if the monthly fee is less than you would pay in interest. Of course, an even better strategy would be to pay off your balance in full every month so you never have to pay more than necessary for your purchases.
The Chase Freedom Flex card could be a good fit for those who want to earn Cash Back in a wide variety of categories.
New cardholders will earn a modest sign-up bonus with a low minimum spending requirement, plus up to 5% Cash Back on purchases in select bonus categories. You’ll need to activate your rotating 5% Cash Back categories every quarter by a deadline. You’ll have about 15 days before the quarter begins to activate, and up until about 15 days before the quarter ends.
You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides), an incredible rate for a card with no annual fee, so book with the Freedom Flex and bring it with you when you go. You’ll get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases. But if you don’t feel like eating at a restaurant, thanks to your three-month DoorDash membership your orders of $12 or more won’t have any delivery fees.
The card offers a 15-month 0% annual percentage rate for purchases, after which the APR is 14.99% - 23.74% Variable. Unfortunately, the card does not offer an introductory APR on balance transfers. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.
My Chase PlanSM Fee is 0% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.
The Chase Freedom Unlimited® offers a compelling combination of valuable rewards, flexible redemption options, a lengthy 0% introductory APR period (14.99 percent to 23.74 percent variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.
My Chase PlanSM Fee is 0% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.
The card earns 3% Cash Back on restaurants and drugstore purchases, 5% back on travel booked through Chase and 1.5% back on other purchases. Plus earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
The Chase Freedom Unlimited offers a ton of choice in how you can redeem your rewards. You can opt for cash back in the form of a statement credit or direct deposit, redeem for travel or gift cards or shop online at Amazon.com. Like many other credit cards, you can also redeem your rewards for charitable contributions (which currently have a 25 percent boost in value).
With the Wells Fargo Propel American Express card, you’ll earn 3X rewards points on dining, travel, rideshare, transit, gas station purchases and popular streaming services, plus 1X points for other purchases. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. You can redeem your points for $200 Cash Back, gift cards, merchandise and more.
There’s also a 0% introductory APR for 12 months from account opening on purchases and on qualifying balance transfers (14.49%-24.99% variable thereafter), but you must make all balance transfers within 120 days to qualify for the introductory rate.
Overdraft Protection Advances: $12.50 if the total of overdraft protection advances for the day is $50 or less;$20if the total of overdraft protection advances for the day is greater than $50.
Enjoy Zero Liability protection, which protects you against unauthorized purchases, Cell Phone Protection when you pay your phone bill with the card and various travel protections.
The American Express® Gold Card offers solid value for most travelers.
If you plan on traveling in the future and you dine out or shop at supermarkets often, the rewards you earn will easily offset the $250 annual fee. In fact, you only need to spend $261 across your 4X-point bonus categories each month to cover it.
Other than that, there isn’t anything out of the ordinary fee-wise. Naturally, there are no foreign transaction fees with this travel card. And since it isn’t a traditional credit card, there isn’t an ongoing APR since you’ll need to pay off your balance every billing cycle. However, there is a 15.99 percent to 22.99 percent variable ongoing APR if you need to carry a balance with the Pay Over Time feature.
As a new cardholder, you have the chance to earn an impressive 75,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art .
Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.
Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.
By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.
The Chase Sapphire Preferred® Card offers 2X points on travel and dining at restaurants and 1 point on every $1 spent on everything else. Plus earn up to $50 in statement credits towards grocery store purchases.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Ultimate Rewards ®.
The Sapphire Preferred has a $95 annual fee. The card’s variable APR, which you’ll be charged should you carry a balance month-to-month, is 15.99 percent to 22.99 percent.
My Chase PlanSM Fee is1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.
With this card, you can move your rewards to a wide variety of loyalty programs, such as United Airlines or Hyatt, at a 1:1 ratio. This makes it possible to get far more than 1 cent out of each point with strategic redemptions. For travelers who can benefit from these valuable redemption options — and especially for those who delight in finding ways to get the most value out of their rewards — it's a must-have.
The Chase Sapphire Reserve® offers some of the best travel rewards available today. A combination of the welcome bonus, ongoing rewards, 50% Chase Ultimate Rewards travel booking or Pay Yourself Back bonus, and travel credits make it well worth the annual fee for those who travel regularly. The Chase Sapphire Reserve offers no intro APR.
New cardmembers can Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.
Earning rewards with the Chase Sapphire Reserve is very straightforward. You’ll earn 3 points per dollar on travel after earning your $300 travel credit and 3 points per dollar on dining purchases. Keep in mind, although purchases on travel earn 3x points, this does not include the purchases that the $300 travel credit reimburses. All other purchases earn 1 point per dollar spent.
Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.
Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.
The Discover it® Cash Back Credit Card offers 5% Cash Back on up to $1,500 spent each quarter on rotating bonus categories like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, each time you activate them. However, you’ll only receive 1% Cash Back on all other purchases. Instead of extending a traditional sign-up bonus to new cardholders, Discover will match all the Cash Back you earn during the first year.
Discover it Cash Back doesn’t offer some of the benefits that come standard with many other credit cards, including price protection and extended warranty coverage. However, as a cardholder, you have zero-liability fraud protection, plus free access to your FICO credit score and alerts if your Social Security number shows up on a risky website. If someone steals your credit card or you lose it, you can freeze your account from your mobile app or online account, plus get free overnight delivery for your replacement card.
The Discover it® Cash Back Credit Card has a generous introductory offer: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. The balance transfer fee is an introductory 3% of the amount transferred, but can be as high as 5% on future balance transfers (see terms). That's on par with other balance transfer cards.