Rewards, No Annual Fee, Daily use
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Best Credit Cards for Emergencies of January 2023

We found 105 credit cards that will be useful in case of emergency.

By Hanna Volkava
Updated January 31, 2023

Best Credit Cards for Emergencies in January 2023

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Capital One VentureOne Rewards Credit Card best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
4.67
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 19.24% - 29.24% variable APR applies after that.

    The Card doesn't charge an annual fee. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No annual fee
    • No Foreign Transaction Fee
    • 15-month 0% APR intro offer
    • Bonus for New Members
  • Cons:
    • Lower Reward Rates
    • High APR
  • Benefits:
    • 20,000 bonus miles (once you spend $500 on purchases within the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 1.25x miles per dollar on every purchase;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
4.3
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 19.24% - 29.24%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
20.24% - 28.24% Variable
Our Rating:
3.46
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    20.24% - 28.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 20.24% - 28.24% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    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.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
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Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
29.74% Variable
Our Rating:
3.61
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    29.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 29.74% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
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American Express® EveryDay® best for Honeymoon

EveryDay® American Express
Annual fee:
$0
Regular APR:
17.24% - 28.24% Variable
Our Rating:
3.97
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 20% Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
    • 2x Points at U.S. supermarkets, on up to $6,000 per year in purchases, then 1x.
    • 1x Points on other purchases.
  • Intro Offer:
    • 10,000x Membership Rewards® Points after you use your new Card to make $2,000 in purchases in your first 6 months.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening
  • Balance Transfer APR:
    17.24% - 28.24% Variable
  • Issuer name:
    American Express®
  • Details:

    The Amex EveryDay® Credit Card is the best card to earn American Express Membership Rewards points for no annual fee.

    Earn 10,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 6 months of Card Membership.

    This card has an introductory APR of 0% for 15 months from the date of account opening (on purchases and balance transfers), then a variable APR, 17.24% to 28.24%.

    Cardholders earn 2x points per dollar at U.S. supermarkets, on up to $6,000 in purchases per year, then 1x point. 1x point is provided for all other purchases.

    When you use your American Express® Credit Card, you won't be held responsible for fraudulent charges. If you see a charge that you think is fraudulent, just call us at the number on the back of your Card. There's no deductible, so you can use your Card with confidence.

  • Pros:
    • No Annual Fee
    • 0% APR on purchases for the first 15 months
    • Flexible travel rewards

  • Cons:
    • Foreign Transaction Fee
    • Mediocre welcome offer
  • Benefits:
    • Earn 20% Extra Points;
    • 10,000 Membership Rewards® Points;
    • 2x Points at U.S. Supermarkets;
    • 2x Membership Rewards® Points at Amextravel.com;
    • 1x Points on Other Eligible Purchases;
    • Membership Rewards® Program;
    • Use Points for Your Charges;
    • Membership Rewards® Pay with Points;
    • Transfer Points to Frequent Traveler Programs;
    • Global Assist® Hotline;
    • Car Rental Loss and Damage Insurance;
    • Terms Apply.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
18.74% - 27.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year (that's $600 cash back).
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    18.74% - 27.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (18.74% to 27.49% 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.

    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% Cash Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year (that's $600 cash back).

  • Pros:
    • No Annual Fee
    • Generous rewards
    • 0% intro APR
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5% Cash Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year (that's $600 cash back);
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Annual fee:
$0
Regular APR:
19.24% - 27.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year (that's $600 cash back).
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    19.24% - 27.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 19.24% - 27.99% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

  • Pros:
    • $200 sign-up bonus
    • High cash back rewards on quarterly rotating bonus categories
    • Decent cash back rewards on select spending categories
    • 0% intro APR on purchases
    • No annual fee
  • Cons:
    • Foreign transaction fee
    • Rotating spending categories require activation
    • No intro APR on balance transfers
  • Benefits:
    • 5% Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year (that's $600 cash back);
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Bank of America Premium Rewards® best for Daily use

Premium Rewards® Bank of America
Annual fee:
$95 annually
Regular APR:
20.24% - 27.24% Variable
Our Rating:
4.29
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 2x Points per $1 spent on travel purchases.
    • 2x Points per $1 spent on dining purchases.
    • 1.5x Points per $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus points (a $500 value) when you spend $3,000 in first 90 days.
  • Balance Transfer APR:
    20.24% - 27.24% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Premium Rewards® Credit Card offers two points per dollar spent on travel and dining purchases and 1.5 points per dollar spent everywhere else.

    You can qualify to earn a 25% to 75% rewards bonus if you’re a Bank of America Preferred Rewards client. New cardholders receive 50,000 bonus points (a $500 value) after you spend $3,000 in purchases in the first 90 days of account opening.

    Points can be redeemed for a credit on your statement, gift cards, a deposit into a Bank of America® or Merrill account (checking, savings or 529 plan) or travel booked through the Bank of America Travel Center.

    The credit card's annual fee is $95. ATM, Over-the-Counter, Same-Day Online Cash Advances Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.

    The Bank of America Premium Rewards® Credit Card has no Intro APR period on purchases and balance transfers. The card's APR: 20.24% - 27.24% (Variable).

  • Pros:
    • Earn Unlimited Points on Every Purchase
    • Travel Related Statement Credits
    • Earn Sign-up Bonus Points
    • No Foreign Transaction Fees
  • Cons:
    • Has an Annual Fee
    • No intro APR offers
    • There Is Minimum Redemption
  • Benefits:
    • 2x points on travel purchases;
    • 2x points on dining;
    • 1.5x points on all other purchases;
    • 50,000 bonus points;
    • Up to $200 in Airline Incidental Statement Credits;
    • TSA PreCheck or Global Entry Statement Credits;
    • Digital Wallets;
    • $0 Liability Guarantee;
    • Overdraft Protection;
    • FICO® Score for Free;
    • Trip Delay Reimbursement;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Coverage;
    • Baggage Delay Coverage;
    • Lost Baggage Reimbursement;
    • Emergency Evacuation and Transportation Coverage.
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual fee:
$95 annually
Regular APR:
20.24% - 27.24% Variable
Our Rating:
4.3
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x 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®.
  • Balance Transfer APR:
    20.24% - 27.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

    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®.

    The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 20.24% to 27.24%.

    My Chase PlanSM Fee is 1.72% (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.

  • Pros:
    • Excellent sign-up bonus
    • No foreign transaction fees
    • 25% more redemption value
    • Unique “My Chase Plan” offer
    • Great Referral Program
  • Cons:
    • There is an annual fee
    • Steep penalty APR of 29.99%
    • No 0% intro APR offer
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Annual fee:
$550 annually ($75 for each authorized user)
Regular APR:
21.24% - 28.24% Variable
Our Rating:
3.9
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x 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®.
  • Balance Transfer APR:
    21.24% - 28.24% Variable
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® Credit Card is very straightforward.

    The card’s variable APR is 21.24% to 28.24%.

    The Chase Sapphire Reserve® has a $550 annual fee.

    New cardmembers can 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®.

    The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 5x total points on flights (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually), 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out.

    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.

  • Pros:
    • Generous signup offer
    • Annual $300 travel credit
    • High travel and dining rewards
    • Transfer points to loyalty programs
    • Increase point value by 50%
  • Cons:
    • Typically requires excellent credit
    • High annual fee
  • Benefits:
    • 60,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
4.53
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Citi
  • Details:

    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.

    Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

    The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (18.24 percent to 28.24 percent variable APR after).

    The Citi Double Cash extends a myriad of security and fraud protections.

  • Pros:
    • Flat-rate Cash Back Rewards on Everything
    • High Rewards Rate
    • No annual fee
    • Attractive Intro APR on Balance Transfers
  • Cons:
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
Card detail

Citi Simplicity® best for 0 APR, Single mom

Citi Simplicity®
Annual fee:
$0
Regular APR:
18.24% - 28.99% Variable
Our Rating:
3.54
scorer
Credit score
Excellent (740-799)
  • Purchase Intro APR:
    0% Introductory APR for 12 months from date of account opening
  • Balance Transfer APR:
    18.24% - 28.99% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Simplicity® Credit Card is a no annual fee card that can be utilized for balance transfers and ultimately paying off debt. The card does not offer a rewards program

    The Citi Simplicity® Card offers an introductory 0% Intro APR on purchases for 12 months. Additionally, the card offers 0% Intro APR on balance transfers for 21 months from the date of the first transfer. After that, the APR will be 18.24% – 28.99%, based on your creditworthiness.

    The card has a balance transfer fee of $5 or 5 percent of the amount of each transfer, whichever is greater. Balance transfers must be completed within four months of opening the account. If you miss a payment, there is no late fee or penalty APR.

    The Card's Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

    Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track.

  • Pros:
    • 0% intro APR on Balance Transfers for 21 months
    • 0% intro APR on purchases for 12 months
    • No annual fee
    • No late fees or penalty rates ever
  • Cons:
    • No rewards system or sign-up bonus
    • Foreign transaction fee
  • Benefits:
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • Digital Wallets;
    • Citi® Identity Theft Solutions.
Card detail

Citi Costco Anywhere Visa® best for Cash Back, Young couples

Costco Anywhere Visa® Citi
Annual fee:
$0
Regular APR:
19.49% Variable
Our Rating:
4.21
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
    • 3% Cash Back on restaurants and eligible travel purchase worldwide.
    • 2% Cash Back on all other purchases from Costco and Costco.com.
    • 1% Cash Back on all other purchases.
  • Balance Transfer APR:
    19.49% Variable
  • Issuer name:
    Citi
  • Details:

    The Costco Anywhere Visa® Credit Card by Citi has no annual fee. You have to be a Costco member to get the card.

    The Card’s variable APR is 19.49%.

    You'll earn 2% cash back on Costco/Costco.com purchases, you’ll also earn 4% on eligible gas purchases (on up to $7,000 in purchases per year, then 1 percent), 3% on eligible restaurant and travel purchases and 1% on all other purchases.

    With purchase protection, You may be reimbursed if your purchases are stolen or damaged within three to four months after you bought them.

  • Pros:
    • Excellent rewards rate for gas
    • Great rewards for dining and travel
    • Decent APR rate
    • No foreign transaction fees
  • Cons:
    • Costco membership required
    • No welcome offer
    • Limiting redemption policy
  • Benefits:
    • Cash Back Rewards;
    • Damage & Theft Purchase Protection;
    • Extended Warranty;
    • Citi Entertainment®.
Card detail

Discover Bank Discover it® Cash Back best for Cash Back, 0 APR, No Annual Fee, Young couples, Daily use

Discover it® Cash Back Discover Bank
Annual fee:
$0
Regular APR:
16.24% - 27.24% Variable
Our Rating:
4.78
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% On everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate (on up to $1,500 in purchases each quarter, then 1%).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x New cardmembers get double Cash Back in the first year (awarded after the first year).
  • Purchase Intro APR:
    0% Intro APR for 15 months from date of account opening
  • Balance Transfer APR:
    16.24% - 27.24% Variable
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Cash Back Credit Card offers 5% Cash Back on up to $1,500 spent each quarter on rotating bonus categories (then 1%) 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.

    The Discover it® Cash Back Credit Card has a generous introductory offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 16.24% - 27.24% 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.

  • Pros:
    • Generous rewards program
    • Flexible redemptions
    • 0% intro APR for purchases and balance transfers
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • You must activate the rewards every quarter
    • No fixed bonus categories
    • Low flat rate
  • Benefits:
    • 5% Cash Back on everyday purchases at different places each quarter;
    • 1% Cash Back on all other purchases;
    • Discover® Cashback Match;
    • $0 Fraud Liability;
    • FICO® Credit Score;
    • 24/7 customer service line.
Card detail

Discover Bank Discover it® chrome best for First time applicants

Discover it® chrome Discover Bank
Annual fee:
$0
Regular APR:
16.24% - 27.24% Variable
Our Rating:
4
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back every quarter at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x Discover will automatically match all the Cash Back you’ve earned at the end of your first year.
  • Purchase Intro APR:
    0% Intro APR for 14 months from date of account opening
  • Balance Transfer APR:
    16.24% - 27.24% Variable
  • Issuer name:
    Discover Bank
  • Details:

    Discover it® chrome earns 2% cash back on gas and restaurant purchases (on up to $1,000 in purchases each quarter, then 1 percent), plus 1% cash back on all other purchases.

    Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.

    The card's ARR: 0% intro APR for 14 months from date of account opening, 16.24% - 27.24% (Variable).

    Discover it® chrome doesn’t charge an annual fee, foreign transaction fees or a penalty APR. You also have a one-time safety net since your first late payment fee is waived (up to $41 after that).

  • Pros:
    • 2% cashback at gas stations and restaurants
    • Cashback Match in the first year
    • 0% APR up to 14 months for new purchases and balance transfers
    • No penalty APR
    • No annual fee
    • No cashback redemption minimum
  • Cons:
    • 2% cashbacks are capped
    • Rewards are limited
  • Benefits:
    • $0 Fraud Liability;
    • Unlimited Cashback Match;
    • No Foreign Transaction Fees;
    • 2% Cash Back every quarter;
    • 1% Unlimited Cash Back.
Card detail

Discover Bank Discover it® Miles best for Low Interest, Daily use

Discover it® Miles Discover Bank
Annual fee:
$0
Regular APR:
16.24% - 27.24% Variable
Our Rating:
3.9
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Miles on every dollar of every purchase.
  • Intro Offer:
    • 2x Discover will automatically match all the miles you've earned — essentially doubling your rewards for that period. For example, if you earn 35,000 miles throughout the year, Discover will match it and increase your rewards balance to 70,000 miles.
  • Purchase Intro APR:
    0% Intro APR for 14 months from date of account opening
  • Balance Transfer APR:
    16.24% - 27.24% Variable
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Miles Credit Card offers 0% Intro APR for 15 months on purchases and balance transfers. Thereafter, the card’s standard APR will apply (16.24% - 27.24% Variable).

    Cardholders will automatically earn unlimited 1.5x miles per dollar spent on all purchases. There is no annual fee, no foreign transaction fees, no penalty APR and no first late payment fee (none the first time you pay late. After that, up to $41).

    Discover will automatically match all the Miles you’ve earned at the end of your first year.

  • Pros:
    • No annual fee
    • Rewards Rate
    • Unlimited Match for Miles in the First Year
    • Intro APR
    • Flexible Redemption Options
    • No Foreign Transaction Fee
  • Cons:
    • Limited International Acceptance
    • Relatively High Credit Score Required
  • Benefits:
    • Discover Match®;
    • Unlimited 1.5x miles;
    • $0 Fraud Liability;
    • Free FICO Score Each Month.
Card detail

Chase Ink Business Cash® best for No Annual Fee, Small business

Ink Business Cash® Chase
Annual fee:
$0
Regular APR:
17.49% - 23.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
    • 2% Cash Back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $900 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening.
  • Purchase Intro APR:
    0% Fixed Intro APR for the first 12 months that your Account is open
  • Balance Transfer APR:
    17.49% - 23.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Ink Business Unlimited Credit Card, issued by Chase, offers small-business owners easy Cash Back on their purchases with no annual fee.

    The 0% introductory APR for purchases lasts for 12 months, then APR reverts to the regular rate of 17.49% to 23.49% (Variable). The card's Penalty APR: up to 29.99%.

    The Ink Business Cash’s welcome offer of $900 bonus Сash Back when you spend $6,000 on purchases in the first three months.

    You’ll earn 5% Cash Back on the first $25,000 worth of office supplies, cable, internet, and phone service purchases each year as well as 2% Cash Back on the first $25,000 in purchases at restaurants and gas stations each year. All other purchases earn 1% Cash Back.

    Other useful benefits include purchase protection for up to 120 days and a 12-month extended warranty when you make an eligible purchase with your card. The extended warranty only applies to qualifying warranties of up to three years.

  • Pros:
    • No Annual Fee
    • Intro APR on new purchases
    • High rewards rates in certain categories
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
    • Spending caps in bonus categories
    • Low rewards rate outside bonus categories
  • Benefits:
    • $900 bonus Cash Back;
    • 5% Cash Back at office supply stores and on internet, cable and phone services;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Free employee cards;
    • Protection and insurance;
    • Gift Cards;
    • Apple® Ultimate Rewards Store;
    • Build your business credit;
    • Get insights into your business;
    • Manage your cash flow.

Card detail

U.S. Bank Visa® Platinum Card best for 0 APR, No Annual Fee

U.S. Bank Visa® Platinum
Annual fee:
$0
Regular APR:
18.74% - 28.74% Variable
Our Rating:
3.62
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 18 billing cycles
  • Balance Transfer APR:
    18.74% - 28.74% Variable
  • Issuer name:
    US bank
  • Details:

    The U.S. Bank Visa® Platinum Credit Card is a good 0% intro APR card.

    The Visa® Platinum Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 18 billing cycles on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.74% to 28.74%.

    Cardholders who pay their cell phone bill every month with the U.S. Bank Visa® Platinum Card will receive this benefit. Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card.

  • Pros:
    • Great introductory APR
    • No Penalty APR
    • No Annual Fee
    • Excellent Cell Phone Protection Coverage
    • Flexible payment date
  • Cons:
    • No Rewards
    • No Welcome Bonus
    • Foreign Transaction Fee
  • Benefits:
    • Cell phone protection;
    • Auto pay & due date choice;
    • ID Navigator Powered by NortonLifeLock.
Card detail

Best credit cards for Emergencies

Anyone can find themselves in a situation where they're in a sudden need of cash. Although you cannot predict when an emergency will arise, what you can do is prepare yourself for such a situation. It’ll still be very unpleasant, but at least easier if you can pay for it right away. Whether your car or an appliance broke down unexpectedly, or you or a loved one is in a medical emergency, a suitable credit card can be your friend during these distressing times.

This article is all about that – the best credit cards for emergencies and how to use them. Keep reading to find the right one for you because you are never safe enough.

Short Review of Best Cards for Emergencies

NameBest forRewards RateAPRApply
Capital One VentureOne Rewards Credit Card
4.67
Rewards, No Annual Fee, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 1.25x Miles per dollar on all purchases.
  • 19.24% - 29.24% VariableLearn more
    on our partner’s site
    Capital One SavorOne Cash Rewards Credit Card
    4.3
    Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
  • 1% Cash Back on all other purchases.
  • 19.24% - 29.24% VariableLearn more
    on our partner’s site
    Capital One Venture Rewards Credit Card
    3.46
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 20.24% - 28.24% VariableLearn more
    on our partner’s site
    Capital One QuicksilverOne Cash Rewards Credit Card
    3.61
    Fair credit
  • 1.5% Cash Back on every purchase.
  • 29.74% VariableLearn more
    on our partner’s site
    American Express® EveryDay®
    3.97
    Honeymoon
  • 20% Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • 2x Points at U.S. supermarkets, on up to $6,000 per year in purchases, then 1x.
  • 1x Points on other purchases.
  • 17.24% - 28.24% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 18.74% - 27.49% VariableLearn more
    Chase Freedom Flex℠
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1% Cash Back on all other purchases.
  • 19.24% - 27.99% VariableLearn more
    Bank of America Premium Rewards®
    4.29
    Daily use
  • 2x Points per $1 spent on travel purchases.
  • 2x Points per $1 spent on dining purchases.
  • 1.5x Points per $1 spent on all other purchases.
  • 20.24% - 27.24% VariableLearn more
    Chase Sapphire Preferred®
    4.3
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 20.24% - 27.24% VariableLearn more
    Chase Sapphire Reserve®
    3.9
    Travel, Restaurants, Daily use
  • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
  • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
  • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
  • 1x Point per dollar spent on all other purchases.
  • 21.24% - 28.24% VariableLearn more
    Citi Double Cash
    4.53
    Cash Back, No Annual Fee, Daily use
  • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • 18.24% - 28.24% VariableLearn more
    Citi Simplicity®
    3.54
    0 APR, Single mom
  • This card doesn't offer cash back, miles or points.
  • 18.24% - 28.99% VariableLearn more
    Citi Costco Anywhere Visa®
    4.21
    Cash Back, Young couples
  • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
  • 3% Cash Back on restaurants and eligible travel purchase worldwide.
  • 2% Cash Back on all other purchases from Costco and Costco.com.
  • 1% Cash Back on all other purchases.
  • 19.49% VariableLearn more
    Discover Bank Discover it® Cash Back
    4.78
    Cash Back, 0 APR, No Annual Fee, Young couples, Daily use
  • 5% On everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate (on up to $1,500 in purchases each quarter, then 1%).
  • 1% Cash Back on all other purchases.
  • 16.24% - 27.24% VariableLearn more
    Discover Bank Discover it® chrome
    4
    First time applicants
  • 2% Cash Back every quarter at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
  • 1% Cash Back on all other purchases.
  • 16.24% - 27.24% VariableLearn more
    Discover Bank Discover it® Miles
    3.9
    Low Interest, Daily use
  • 1.5x Miles on every dollar of every purchase.
  • 16.24% - 27.24% VariableLearn more
    Chase Ink Business Cash®
    5
    No Annual Fee, Small business
  • 5% Cash Back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • 2% Cash Back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% Cash Back on all other purchases.
  • 17.49% - 23.49% VariableLearn more
    U.S. Bank Visa® Platinum Card
    3.62
    0 APR, No Annual Fee
  • This card doesn't offer cash back, miles or points.
  • 18.74% - 28.74% VariableLearn more

    Who should apply

    Capital One Venture Rewards Credit Card

    A travel card that can be suitable for emergencies too. It’ll earn you 2 miles per dollar spent on every purchase. So, if you must spend a lot in an emergency, at least you’ll earn valuable rewards for it. If you've paid for a trip with your card, you'll get travel accident insurance. In case your card gets stolen or lost, you can call the 24/7 travel assistance service and ask for an emergency replacement or a cash advance. If you spend $4,000 in the first 3 months, you'll get 75,000 bonus miles. If you don't like the $95 annual cost that comes with this card, check out its no-annual-fee version – the Capital One VentureOne Rewards.

    Read more about Capital One Venture Rewards Credit Card

    Capital One QuicksilverOne Cash Rewards Credit Card

    One of the most straightforward cards on the market, the QuicksilverOne earns its cardholders an unlimited 1.5% cash back on every purchase. It’s available to people with fair credit too, and it comes with a small $39 annual fee.

    Read more about Capital One QuicksilverOne Cash Rewards Credit Card

    American Express® EveryDay®

    As soon as you’re approved and authenticated by Amex, you will get your Amex EveryDay® card’s number immediately. You will be then able to use your credit card, although you might not have access to your full credit line until you receive the physical card (within 3 - 5 days after approval). In an emergency, where time is critical, a fast approval process is always helpful. On top of that, you'll be free of paying interest on purchases during the first 15 months after opening the account (a variable APR of 17.24% - 28.24% after). Since this is a rewards card, it’s not only for emergencies. You can use it for example at U.S. supermarkets since it will earn you 2x points for every dollar you spend there (1x points on everything else). Unless you carry a balance, it will cost you nothing to have this no-annual-fee card in your wallet.

    Read more about American Express® EveryDay®

    Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a great rewards card that, besides a few bonus categories, has a generous flat rewards rate too. If you get in some trouble during a trip, you can call the card’s travel and emergency assistance services. The APR on purchases for the first 15 months is 0%, which is great because if an unexpected purchase arises during that time, you’ll have some breathing space to pay it off interest-free (18.74% - 27.49% after). As for the rewards, there’s 5% cash back on travel purchased through Chase, 3% at restaurants and drugstores, and 1.5% on everything else. By spending $500 in the first 3 months, you’ll also get a $200 sign-up bonus. This card has no annual fee.

    Read more about Chase Freedom Unlimited®

    Chase Freedom Flex℠

    This one is the sister card of Chase Freedom Unlimited®. The difference is that it has a lower flat rate for all purchases – 1%, but it offers 5% in quarterly rotating categories (up to $1,500 spent each quarter). All other features are the same – 15 months 0% APR (19.24% - 27.99% after), $200 sign-up bonus, and no annual fee. So, both can be great for emergencies - it just depends whether you're ready to make an effort on strategic purchasing (quarterly rotating categories – Flex), or you want a simple card with a good flat rate on all purchases (Unlimited).

    Read more about Chase Freedom Flex℠

    Bank of America Premium Rewards®

    For a $95 annual fee cardholders will truly get premium rewards with this card – 2x points at restaurants and on travel (plus 1.5x points on everything else). The 50,000 bonus points, worth $500, can be yours if you spend $3,000 in the first 90 days after opening the account. You can get yourself some small pleasures during your flights with the card's (up to) $100 airline incidental statement credit. This card gets even better if you become a Preferred Rewards member since you'll earn 25% - 75% more points every time you use your card for purchases (up to 3.5x points on travel and dining, and up to 2.62x points on everything else).

    Read more about Bank of America Premium Rewards®

    Chase Sapphire Preferred®

    A travel card that’ll help you sleep better on your trips due to the travel protection it offers. If you pay for a rental car with your card, you’ll be protected against damage and theft on it. Also, you can call Chase’s travel and emergency assistance anytime during your trip. Now, let’s talk rewards – 5x points on travel , 3x points on dining, online grocery purchases and select streaming services, and 1x points on everything else. Plus, an amazing 60,000-point sign-up bonus, which you can get by spending $4,000 in the first 3 months. If you redeem your points for travel through Chase Ultimate Rewards, they'll have 25% more value (for example, the welcome bonus will be worth $1,250). We believe all this makes the card worth its $95 annual fee.

    Read more about Chase Sapphire Preferred®

    Chase Sapphire Reserve®

    While the Sapphire Preferred® is for those who travel occasionally, the Sapphire Reserve® is for those who travel all the time and are willing to pay a higher annual fee for an excellent travel card like this one. It offers 3x points on dining and travel plus 1x points on everything else. When you redeem for travel through Chase Ultimate Rewards your points will be worth 50% more. New cardholders can get 60,000 bonus points if they spend $4,000 in the first 3 months. The annual fee is $550, but the $300 travel credit you'll get each year already makes up for a good portion of it.

    Read more about Chase Sapphire Reserve®

    Citi Double Cash

    The Citi Double Cash is a top choice for everyday spending because it has the best flat rate on the market and no annual fee. Cardholders will earn 2% cash back on every purchase, 1% when they buy, and 1% when they pay for it. This card is great if an emergency already occurred and you’re paying it off on a high-interest card. It offers new cardholders 18 months of 0% APR on balance transfers followed by a 18.24% - 28.24% variable.

    Read more about Citi Double Cash

    Citi Simplicity®

    The Citi Simplicity® is a great card to have when you find yourself in urgent need of cash. This card offers a long 0% APR offer (12 months on purchases, 21 months on balance transfers ). Unplanned expenses are annoying enough without having to worry about interest piling up on your card. Another thing you won't have to worry about with this card are fees because it has none - no annual fee and no late fee. You can take the time to deal with the situation and pay the balance off later.

    Read more about Citi Simplicity®

    Citi Costco Anywhere Visa®

    The Costco Anywhere Visa® is very beneficial for Costco fans - it earns them rewards in several popular categories, which they can later redeem at Costco. Gas purchases earn 4% cash back (up to $7,000 annually, 1% after), 3% cash back on dining and travel, 2% at Costco (both physical and online store), and 1% on all other purchases. This card comes with extra protection for you – items you bought with the card will be protected against damage and theft (within 120 days of purchase), plus get an extended warranty. Although it doesn’t have an annual fee, a Costco membership, which costs $60 or $120, is a requirement.

    Read more about Citi Costco Anywhere Visa®

    Discover Bank Discover it® Cash Back

    The Discover it® Cash Back comes with a solid, 15-month long 0% APR offer on balance transfers and purchases (16.24% - 27.24% after). That is a rewards card with quarterly rotating categories which earn you 5% cash back. There are usually common spending bonus categories, like grocery stores, gas, restaurants, wholesale clubs, and others. Purchases outside these categories will earn you 1% cash back, and Discover it will match all the cash back you earned in the first year. There is no annual fee with this card.

    Read more about Discover Bank Discover it® Cash Back

    Discover Bank Discover it® chrome

    All those who are constantly on the road and spend a lot at gas stations should consider Discover it® chrome. It earns 2% cash back on gas up to $1,000 in combined purchases every quarter and 1% on all other purchases. A great thing about this card is the 14-month interest-free period it offers on purchases and balance transfers (16.24% - 27.24% after). Of course, the no-annual-fee part is great too!

    Read more about Discover Bank Discover it® chrome

    Discover Bank Discover it® Miles

    A mile-earning card with a nice intro APR on purchases. You'll get 1.5x miles on all purchases, and Discover it will match them all at the end of the first year. The first 15 months of your membership you'll get to pay off your purchases interest-free, followed by a variable 16.24% - 27.24% APR afterward. This card won’t cost you an annual fee.

    Read more about Discover Bank Discover it® Miles

    Chase Ink Business Cash®

    Chase’s Ink Business Cash® is a great, no-annual-fee card that’ll come in handy to business owners should they encounter any emergencies and difficulties with their business. The 0% intro APR offer on purchases in the first year will help businesses to get on their feet, before the variable 17.49% - 23.49% APR takes place. It earns rewards in business-spending categories – 5% cash back on office supply and telecommunication services (up to $25,000 spent annually), 2% cash back at gas stations and restaurants (up to $25,000 spent annually), and 1% on everything else. The welcome offer is $900 for those cardholders who’ll spend $6,000 in the first 3 months.

    Read more about Chase Ink Business Cash®

    U.S. Bank Visa® Platinum Card

    This card has deserved its place on this list with the longest intro APR offer – 18 billing cycles. Any emergency expenses you might have during the first 18 months will be interest-free. After that, there’s a variable 18.74% - 28.74% APR. Also, it has cell phone protection if you pay your monthly bill with the card. The annual fee won’t be a problem because there isn’t one!

    Read more about U.S. Bank Visa® Platinum Card

    How do credit cards for emergencies work?

    There isn’t a credit card specifically designed for emergencies, all the credit cards that made our list offer features that can come in handy in the event of an emergency. They work like all other credit cards. Your emergency card can be one you use for everyday purchases (American Express® EveryDay®) or even a travel card (the Chase Sapphire cards). Finally, it can be a card with a great intro APR offer (Citi Simplicity®) that doesn’t have rewards, but it’ll serve you only for emergencies.

    What to look for in an emergency credit card?

    That will depend on your situation and what features can be useful to you. We’ll offer you a list of some things to keep in mind when choosing an emergency credit card.

    First things first, if you’re reading this because an emergency just happened to you, and you need an emergency card immediately, consider cards with instant access, like the Amex Everyday. (Also, check out the next section.)

    Now, if you only want to add an extra safety layer to your finances, you're probably not in a hurry. Let's start with an annual fee. If you're going for a rewards card that you can also use in an emergency, an annual fee will be okay if you earn enough rewards to justify it. However, we do not recommend paying an annual fee for a card that's just going to sit in your wallet waiting for an unexpected bill and costing you money.

    Next, look at the cards’ APR offers and think about how long it’ll take to pay off your emergency costs. Some great cards with long interest-free periods on purchases are Citi Simplicity® (12 months), and the US bank Visa® Platinum (18 billing cycles). If you’re already paying off high-interest emergency debt on another card, those three also have the same offer on balance transfers. In that case, you can also check out the best balance transfer credit cards.

    icon-notification

    Of course, all intro APR offers eventually end, and the ongoing APR is a very important factor when deciding on an emergency card. If anything happens after the period has ended, it'll be better if the card has a low interest rate.

    Otherwise, you can end up in a lot of debt since you didn't even plan that expense in the first place, let alone interest. Although the APR will depend on your creditworthiness, the Discover it credit cards have the lowest starting range – 13.49% - 24.49%. If low interest rates are very important to you, this list of the best low interest credit cards might be what you need.

    Another thing to be aware of is your credit limit. That also depends on your credit score - the better it is, the higher the credit limit. Make sure to never max out your credit line but give yourself some space instead. You'll be in a bad position if an unexpected cost arises, and you cannot borrow from your credit line.

    Which credit cards Give you instant access?

    There are some credit cards that’ll give you instant access as soon as you're approved for the card. For example, Amex cards usually offer instant card numbers once your identity is confirmed. After that, you can use it anywhere where American Express cards are accepted. Some of the Amex credit cards that offer instant access are the following:

    • American Express® EveryDay® Credit Card
    • American Express® Blue Cash Preferred®
    • The Platinum Card® from American Express®
    • American Express® Cash Magnet® Card

    Another option is co-branded credit cards. The Apple card is probably the best example here because you get access as soon as you're approved. Then, you can add it to your Apple Wallet and use it anywhere where Mastercard is accepted (which is pretty much everywhere). However, some co-branded credit cards, like the Costco Anywhere Visa® Card by Citi, have temporary cards that can be used only at the brand’s stores. Here are some co-branded credit cards that give instant access:

    • Apple Card
    • Costco Anywhere Visa® Card by Citi
    • Bloomingdale’s Credit Card
    • Amazon Prime Rewards Visa Signature Credit Card

    When to use emergency credit cards?

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    We'd advise you to use your emergency credit card only for a real emergency. Do not use it for a not-so-important purchase you simply cannot afford at the moment. Credit cards have high interest rates, and carrying a balance can be very expensive.

    Let’s look at some potential real-life emergency situations and see which card will come in handy for each.

    A travel emergency - a bad situation can be a lot worse if it happens to you while on a trip in an unfamiliar environment. You can’t call family or friends to come running and you’ll have to deal with it by yourself. If you travel often, an uncomfortable situation is bound to happen sooner or later. And in that case, the Chase Sapphire Reserve® would have your back. It comes with a variety of travel protections, including emergency evacuation and transportation for you or a close family member (it will cover medical expenses and transportation for up to $100,000).

    Trouble while on the road - anyone who drives can find themselves in a situation where they need roadside assistance. If you’re often on the road, consider the United Explorer card. It’s one of the best cards to have in your wallet should you ever run out of fuel, need help with a flat tire, or something like that. The Chase Roadside Assistance that comes with this card offers lockout service, tire changing, standard towing and a few other services.

    You need cash immediately - something has happened and you need cash ASAP. A card that offers instant access will be the most useful for such a situation. With the Amex EveryDay you’ll get assigned a credit card number ready for use as soon as you get approved.

    An appliance broke down - having an appliance breaking down all of a sudden always comes with a lot of hassle. In most cases, if it is something essential (like a fridge, an oven, a washing machine), it’ll have to be repaired or replaced right away. So, you’ll be facing a big, unplanned cost you cannot postpone. Having a card with an APR offer can be a huge relief and it’ll allow you to finance your purchase interest-free. Let us suggest two cards with great 0% APR offers on purchases (and balance transfers) - the US bank Visa® Platinum (18 months) and the Citi Simplicity® (12 months).

    FAQ

    What are other credit cards to consider?

    Other cards that are good to have in your wallet during an emergency are the United℠ Explorer Card (great for roadside assistance), and the Capital One Walmart Rewards® Card (great for emergency food and supplies).

    Is it a good idea to have a credit card for emergencies?

    Yes, emergencies come unexpectedly. All of a sudden, you have a cost that you didn't plan for but have to pay right now. Having a credit card in those situations can be very convenient. You'll simply borrow from it, and once everything calms down, you can pay off that debt.

    What is the best credit card for emergencies?

    If there were a single best credit card for emergencies that would be a great fit for every one, our list wouldn’t have been so long. Make sure you go through this article in detail and take into account your spending habits and potential emergencies when deciding.
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us