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Best Credit Cards for Seniors of April 2024

Are you close to the metaphorical finish line, or you’ve already crossed it? Retirement is the time for all the things you wanted to do throughout the years but never really got down to. It could be traveling, spending time with family, a new hobby, just lying around, or all of those. As you enter this new chapter of your life, your finances and your daily routine will change. So, you might be thinking about retiring your credit card, too, if it no longer suits your needs. However, the search for a new credit card can be exhausting, and you might not want to bother too much with that. Well, you don’t have to. We’ve put together a list of the best credit cards for seniors, plus some additional information that will help you make a decision. Keep reading to find the card that will perfectly complement your new lifestyle (and even add some rewards and perks to it!).

By Hanna Volkava
Updated April 15, 2024

Best Credit Cards for Retired person in April 2024

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Capital One Venture X Rewards Credit Card best for Car rental

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Venture X Rewards Capital One
Annual fee:
$395 annually
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.53
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
    • 10x Miles on hotels & rental cars booked through Capital One Travel.
    • 5x Miles on flights booked through Capital One Travel.
    • 2x Miles on all other purchases.
  • Intro Offer:
    • 75,000x Bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture X Rewards Credit Card offers a welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    Earn 10x Miles on hotels and rental cars (booked through Capital One Travel), 5x Miles on flights (booked through Capital One Travel), 2x Miles per dollar on every purchase.

    The Capital One Venture X Rewards Credit Card charges an annual fee of $395. The APR for purchases and balance transfers is 19.99% - 29.99% (Variable). The card has a balance transfer fee of 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    Refer your friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they’re approved.

  • Pros:
    • No Foreign Transaction Fee
    • Welcome offer
    • Miles don’t expire for the life of the account
  • Cons:
    • Annual Fee
  • Benefits:
    • 10,000 Miles (Anniversary Bonus);
    • 10x Miles on hotels & rental cars (booked through Capital One Travel);
    • 5x Miles on flights (booked through Capital One Travel);
    • 2x Miles on all other purchases;
    • $300 Annual Travel Credit;
    • $200 Vacation Rental Credit;
    • Capital One Lounge;
    • Priority Pass™;
    • Global Entry & TSA PreCheck®;
    • Cell Phone Protection;
    • Hertz President’s Circle® status;
    • Free Additional Cardholders.
View all Venture X Rewards details
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Capital One Venture Rewards Credit Card best for Travel, Daily use

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Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.43
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
    • 2x Unlimited 2X miles on every purchase, every day.
  • Intro Offer:
    • 75,000x Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
  • Balance Transfer APR:
    19.99% - 29.99% 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.

    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

    The Capital One Venture Rewards Credit Card's APR: 19.99% - 29.99% (Variable). The card has an annual fee of $95. Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

    Transfer your miles to your choice of 15+ travel loyalty programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel;
    • 5x miles on hotels and car rentals;
    • 2x miles on every purchase, every day;
    • $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;
    • Hertz Five Star status;
    • 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 Walmart Rewards® Mastercard® best for Walmart purchases

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Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
19.48% - 29.99% Variable
Our Rating:
4.03
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    19.48% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 19.48% – 29.99% (Variable). Balance transfer fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability;
    • Extended Warranty;
    • Concierge Services;
    • Mastercard ID Theft Protection™;
    • Travel Assistance Services;
    • MasterRental Coverage;
    • Lost or Damaged Luggage;
    • Trip Cancellation/Interruption Insurance.
View all Walmart Rewards® details
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Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

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Quicksilver Capital One
Annual fee:
$0
Regular APR:
19.99% - 29.99% Variable
Our Rating:
4.49
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 19.99% - 29.99% (Variable). The card has a balance transfer fee of 3%. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
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Upgrade Cash Rewards Visa® best for Good credit score

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Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Balance Transfer APR:
    14.99% - 29.99% Regular
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Annual fee
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

View all Upgrade Cash Rewards Visa® details
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On Upgrade‘s website
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Upgrade Triple Cash Rewards Visa® best for Low income

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Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.06
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Balance Transfer APR:
    14.99% - 29.99% Regular
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*.

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

View all Upgrade Triple Cash Rewards Visa® details
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On Upgrade‘s website
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First Access Visa® Card best for Low income

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First Access Visa® The Bank of Missouri
Annual fee:
$75.00 for the 1st year, $48.00 after
Regular APR:
35.99%
Our Rating:
4.2
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • Issuer name:
    The Bank of Missouri
  • Details:

    The First Access Visa® Card is a true VISA® credit card that does not require perfect credit for approval.

    The First Access Visa® Card's APR: 35.99%.

    The First Access Visa® Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

    Read full review

  • Pros:
    • Available to those with bad credit
    • Reports to three major credit bureaus
    • Easy application
    • No security deposit
  • Cons:
    • High APR
    • Several fees
    • Low credit limit
  • Benefits:
    • 1% Cash Back rewards on payments made to your First Access Credit Card;
    • First Access Visa credit card accepted nationwide;
    • Rebuild your credit;
    • Easy and Secure Online Application.
View all First Access Visa® details
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On the First Access Visa® Card secure website
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Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

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Reflex® Platinum Mastercard®​ Celtic Bank
Annual fee:
$75 - $99 for the first year
$99 after the first year
Regular APR:
29.99% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Good (0-739)
    • Issuer name:
      Celtic Bank
    • Details:

      The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 29.99% (Variable).

      With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

      Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

      Read full review

    • Pros:
      • Chance to get a higher credit limit
      • All credit scores are welcome to apply
      • Reports to three bureaus
      • Check if you prequalify without affecting your credit score
      • No deposit required
    • Cons:
      • No rewards
      • High Regular APR
      • High annual fee
      • Monthly maintenance fee
      • Additional card fee
      • Foreign transaction fee
    • Benefits:
      • $0 Fraud Liability;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Monthly Reporting to All Three Major Credit Bureaus;
      • Credit Protection program.
    View all Reflex® Platinum Mastercard® details
    Apply now
    On Celtic Bank‘s site
    Card detail
    Apply now
    First Progress Platinum Elite Mastercard® Secured Credit Card Synovus Bank
    Annual fee:
    $29 annually
    Regular APR:
    25.24% Variable
    Our Rating:
    3.3
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Synovus Bank
      • Details:

        The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

        As a secured credit card, the First Progress Platinum Elite Mastercard® Secured Credit Card doesn’t come with any welcome offers, sign-up bonuses or reward rates.

        As a Mastercard®-branded credit option, this First Progress Platinum Elite Mastercard® Secured Credit Card is accepted nationwide.

        The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

        Read full review

      • Pros:
        • No credit history required
        • No Minimum Credit Score needed
        • Low Annual Percentage Rates
        • It builds your Credit Score
      • Cons:
        • No option to graduate to an unsecured credit card
        • Credit limit is equal to your deposit amount
        • There is no Rewards program
      • Benefits:
        • No Minimum Credit Score;
        • No Credit History Required;
        • Accepted Nationwide.
      View all First Progress Platinum Elite Mastercard® Secured details
      Apply now
      On First Progress’s site
      Card detail
      Apply now
      Secured Mastercard® Merrick Bank
      Annual fee:
      $36 for first year. Billed $3 per month thereafter
      Regular APR:
      22.70% Variable
      Our Rating:
      3.2
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Issuer name:
          Merrick Bank
        • Details:

          The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

          The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

          The Card's APR: 22.70% Variable for purchases.

          The Secured Mastercard® credit card reports to all three major credit bureaus.

          Read full review

        • Pros:
          • Up to $3000 credit limit
          • Reports to three major credit bureaus
          • You don’t need a bank account to apply
          • Access to FICO score
          • Low APR
        • Cons:
          • No rewards or intro offers
          • $200 minimum deposit
          • Extra fees
          • $36 annual fee
        • Benefits:
          • Monthly Reporting to the 3 Major Credit Bureaus;
          • $0 Fraud Liability;
          • Low interest;
          • FICO® Score for Free Each Month.
        View all Secured Mastercard® details
        Apply now
        On Merrick Bank‘s site
        Card detail
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        First Progress Platinum Select Mastercard® Secured Synovus Bank
        Annual fee:
        $39 annually
        Regular APR:
        19.24% Variable
        Our Rating:
        3.5
        scorer
        Credit score
        No Credit History to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back on payments made to your First Progress Secured credit card account.
        • Issuer name:
          Synovus Bank
        • Details:

          The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

          The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

          The card's APR: 19.24% (Variable for Purchases), 25.24% (Variable for Cash Advances).

          The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

          Read full review

        • Pros:
          • No credit history required
          • No Minimum Credit Score needed
          • Low Annual Percentage Rates
        • Cons:
          • Annual Fee
          • Foreign Transaction Fee
        • Benefits:
          • 1% Cash Back on payments made to your First Progress Secured credit card account;
          • Accepted Nationwide;
          • No Minimum Credit Score;
          • No Credit History Required.
        View all First Progress Platinum Select Mastercard® Secured details
        Apply now
        On First Progress’s site
        Card detail
        Apply now
        The Owner’s Rewards Card by M1 Celtic Bank
        Annual fee:
        $0 annually (for active M1 Plus customers)
        $95 annually
        Regular APR:
        17.99% - 27.99% Variable
        Our Rating:
        3.91
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
          • 1.5% Cash Back on everything else.
        • Issuer name:
          Celtic Bank
        • Details:

          The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

          Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

          The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

          Read full review

        • Pros:
          • No Foreign Transaction Fee
          • High rewards rate
        • Cons:
          • No Intro APR period
          • $95 annual fee (for non-plus members)
        • Benefits:
          • Up to 10% Cash Back on purchases with eligible brands;
          • 1.5% Cash Back on everything else;
          • Visa® Zero Liability.
        View all The Owner’s Rewards Card by M1 details
        Apply now
        On Celtic Bank‘s site
        Card detail

        Capital One Spark Miles for Business best for Walmart purchases

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        Capital One Spark® Miles
        Annual fee:
        $0 intro for the first year
        $95 thereafter
        Regular APR:
        26.24% Variable
        Our Rating:
        4.11
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 5x Miles on hotels and rental cars booked through Capital One Travel.
          • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
        • Intro Offer:
          • 50,000x Miles once you spend $4,500 on purchases within the first 3 months of account opening.
        • Balance Transfer APR:
          26.24% Variable
        • Issuer name:
          Capital One
        • Details:

          The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

          The Card's APR for both purchases and transfers is 26.24% Variable.

          The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

          Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

        • Pros:
          • Attractive sign-up bonus
          • No foreign transaction fees
        • Cons:
          • No 0% APR period
          • Annual fee after the first year
        • Benefits:
          • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
          • 5x miles on hotels and car rentals;
          • 2x miles on all purchases;
          • $0 Fraud Liability;
          • $100 Travel Credit;
          • Capital One Lounge.

          For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

        View all Spark® Miles details
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        on our partner’s site
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        First Electronic Bank Destiny® Mastercard® best for Unsecured

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        Destiny® Mastercard® First Electronic Bank
        Annual fee:
        *see terms*
        Regular APR:
        35.90%
        Our Rating:
        1.47
        scorer
        Credit score
        No Credit History to Fair (0-669)
          • Issuer name:
            First Electronic Bank
          • Details:

            The Destiny® Mastercard® is a good credit card for people with poor or no credit.

            The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

            The card charges an annual fee of $75 for the first year ($99 thereafter).

          • Pros:
            • No monthly fees
            • Prior bankruptcies are acceptable
            • Liability protection
            • No security deposit required
          • Cons:
            • No reward
            • High-interest rates
            • No mobile app
            • Credit limit
          • Benefits:
            • Mastercard® benefits;
            • Fraud protection;
            • Reports to all three major credit bureaus.
          View all Destiny® Mastercard® details
          Apply now
          On First Electronic Bank‘s site
          Card detail
          Apply now
          Divvy Cross River Bank
          Annual fee:
          $0
          Regular APR:
          None
          Our Rating:
          4.04
          scorer
          Credit score
          Fair to Excellent (580-799)
          • Rewards Rate:
            • 2x - 7x:
            • Points on restaurants.
            • 2x - 5x:
            • Points on hotels.
            • 1.5x - 2x:
            • Points on recurring software subscriptions.
            • 1x - 1.5x:
            • Points on everything else.
          • Issuer name:
            Cross River Bank
          • Details:

            The Divvy Card is a corporate credit card.

            The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

            Points can be redeemed for travel, gift cards, statement credits or cash back.

            Read full review

          • Pros:
            • No fees
            • Rewards
          • Cons:
            • No sign-up bonus
          • Benefits:
            • Unlimited creation of virtual cards;
            • Scalable credit line;
            • Employee cards for everyone;
            • Enforceable budgets;
            • Expense reports.
          View all Divvy details
          Apply now
          On Cross River Bank‘s site
          Card detail

          American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

          Blue Cash Preferred® American Express
          Annual fee:
          $0 intro annual fee for the first year
          $95 for the rest years
          Regular APR:
          19.24% - 29.99% Variable
          Our Rating:
          5
          scorer
          Credit score
          Good to Excellent (670-799)
          • Rewards Rate:
            • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
            • 6% Cash Back on streaming (select U.S. streaming subscriptions).
            • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
            • 3% Cash Back at U.S. Gas Stations.
            • 1% Cash Back on other purchases.
          • Intro Offer:
            • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
          • Purchase Intro APR:
            0% Introductory APR for the first 12 months from the date of account opening
          • Balance Transfer APR:
            19.24% - 29.99% Variable
          • Issuer name:
            American Express®
          • Details:

            The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

            The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 19.24% - 29.99% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

            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® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

          • Pros:
            • Excellent cashback bonuses
            • Generous intro APR on purchases
            • Great introductory bonuses
          • Cons:
            • Cashback cap
            • Annual fee
            • Foreign transaction fee
          • Benefits:
            • Earn $250 Back (in the form of a statement credit);
            • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
            • 6% Cash Back on streaming subscriptions;
            • 3% Cash Back on transit;
            • 3% Cash Back at U.S. Gas Stations;
            • 1% Cash Back on other purchases;
            • Extended warranty;
            • Fraud Protection;
            • Return Protection;
            • Car Rental Loss and Damage Insurance;
            • Global Assist® Hotline;
            • Pay It Plan It®;
            • American Express Experiences;
            • Terms Apply.
          Card detail

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

          Chase Freedom Flex℠
          Annual fee:
          $0
          Regular APR:
          20.49% - 29.24% 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.
          • Purchase Intro APR:
            0% Intro APR for the first 15 months that your Account is open
          • Balance Transfer APR:
            20.49% - 29.24% 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 20.49% - 29.24% 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% 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

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

          Chase Freedom Unlimited®
          Annual fee:
          $0
          Regular APR:
          20.49% - 29.24% 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.
          • Purchase Intro APR:
            0% Intro APR for the first 15 months that your Account is open
          • Balance Transfer APR:
            20.49% - 29.24% Variable
          • Issuer name:
            Chase
          • Details:

            The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (20.49% to 29.24% 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.

          • Pros:
            • No Annual Fee
            • Generous rewards
            • 0% intro APR
            • Sign-up bonus
          • Cons:
            • Foreign Transaction Fee
          • Benefits:
            • Zero Liability Protection;
            • $200 intro bonus;
            • 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

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

          Double Cash Citi
          Annual fee:
          $0
          Regular APR:
          19.24% - 29.24% Variable
          Our Rating:
          4.49
          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.
          • Intro Offer:
            • $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
          • Balance Transfer APR:
            19.24% - 29.24% 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 $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

            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 introductory APR offer on balance transfers (19.24% to 29.24% 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;
            • $200 Cash Back;
            • 2% Cash Back on every purchase;
            • Fraud Protection;
            • The Lost Wallet Service;
            • $0 Liability for Unauthorized Charges.
          Card detail

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

          Costco Anywhere Visa® Citi
          Annual fee:
          $0
          Regular APR:
          20.49% Variable
          Our Rating:
          4.15
          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:
            20.49% 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 20.49%.

            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

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

          Chase Sapphire Preferred®
          Annual fee:
          $95 annually
          Regular APR:
          21.49% - 28.49% Variable
          Our Rating:
          4.25
          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:
            21.49% - 28.49% 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 21.49% to 28.49%.

            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

          Citi Diamond Preferred® best for 0 APR, No Annual Fee

          Diamond Preferred® Citi
          Annual fee:
          $0
          Regular APR:
          18.24% - 28.99% Variable
          Our Rating:
          3.71
          scorer
          Credit score
          Excellent (740-799)
          • Intro Offer:
            • No current offer .
          • 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 Diamond Preferred® Card comes with 0% introductory APR offer for 12 months on purchases and 21 months on balance transfers (18.24% - 28.99% variable after that).

            The Card charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

          • Pros:
            • 0% Intro APR for 12 months on purchases and 21 months on balance transfers
            • Flexible payment due date
            • No annual fee
            • Free access to FICO® score
          • Cons:
            • No rewards
            • Foreign transaction fee applied
            • Late payment fees
          • Benefits:
            • $0 Liability;
            • Digital Wallets;
            • Citi Entertainment.
          Card detail

          Credit One® Bank Platinum Visa For Rebuilding Credit best for Retired person

          Platinum Visa For Rebuilding Credit Credit One Bank
          Annual fee:
          $75 for the first year
          $99 annually
          Regular APR:
          29.24% Variable
          Our Rating:
          1.46
          scorer
          Credit score
          No Credit History to Fair (0-669)
          • Rewards Rate:
            • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
          • Issuer name:
            Credit One® Bank
          • Details:

            Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

            Minimum Credit Line: $300 and Future credit line increases may be granted based on your overall credit performance.

          • Pros:
            • Cash Back Rewards
            • Chance to get a higher credit limit
            • Reports to three major credit bureaus
            • Check if you prequalify online without affecting your credit score
            • No security deposit
          • Cons:
            • No guaranteed grace period
            • Potentially high annual fee
            • Foreign transaction fee
            • Low credit limit
            • Balance transfers are not available
          • Benefits:
            • 1% Cash Back Rewards;
            • Zero Fraud Liability;
            • Free online access to your Experian credit score;
            • Choose Your Payment Due Date.
          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% - 29.74% Variable
          Our Rating:
          3.74
          scorer
          Credit score
          Good to Excellent (670-799)
          • Purchase Intro APR:
            0% Introductory APR for the first 21 billing cycles
          • Balance Transfer APR:
            18.74% - 29.74% 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 21 billing cycles on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.74% to 29.74%.

            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

          Short Review of Best Credit Cards for Retired Person

          NameBest forRewards RatePurchase APRApply
          Capital One Venture X Rewards Credit Card
          3.53
          Car rental
        • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
        • 10x Miles on hotels & rental cars booked through Capital One Travel.
        • 5x Miles on flights booked through Capital One Travel.
        • 2x Miles on all other purchases.
        • 19.99% - 29.99% VariableLearn more
          on our partner’s site
          Capital One Venture Rewards Credit Card
          3.43
          Travel, Daily use
        • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
        • 2x Unlimited 2X miles on every purchase, every day.
        • 19.99% - 29.99% VariableLearn more
          on our partner’s site
          Capital One Walmart Rewards® Mastercard®
          4.03
          Walmart purchases
        • 5% Cash Back at Walmart.com, including pickup and delivery.
        • 2% Cash Back in Walmart stores, at restaurants and on travel.
        • 1% Everywhere else Mastercard® is accepted.
        • 19.48% - 29.99% VariableLearn more
          on our partner’s site
          Capital One Quicksilver Cash Rewards Credit Card
          4.49
          Cash Back, No Annual Fee, Daily use
        • 1.5% Cash Back on every purchase.
        • 19.99% - 29.99% VariableLearn more
          on our partner’s site
          Upgrade Cash Rewards Visa®
          4.35
          Good credit score
        • 1.5% Cash Back on payments.
        • 14.99% - 29.99% RegularApply now
          On Upgrade‘s website
          Upgrade Triple Cash Rewards Visa®
          4.06
          Low income
        • 3% Cash Back on Home, Auto and Health categories.
        • 1% Cash Back on everything else.
        • 14.99% - 29.99% RegularApply now
          On Upgrade‘s website
          First Access Visa® Card
          4.2
          Low income
        • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
        • 35.99%Apply now
          On the First Access Visa® Card secure website
          Celtic Bank Reflex® Platinum Mastercard®
          3.8
          Unsecured
        • This card doesn't offer cash back, miles or points.
        • 29.99% VariableApply now
          On Celtic Bank‘s site
          First Progress Platinum Elite Mastercard® Secured Credit Card
          3.3
        • This card doesn't offer cash back, miles or points.
        • 25.24% VariableApply now
          On First Progress’s site
          Merrick Bank Secured Credit Card
          3.2
        • This card doesn't offer cash back, miles or points.
        • 22.70% VariableApply now
          On Merrick Bank‘s site
          First Progress Platinum Select Mastercard® Secured Credit Card
          3.5
        • 1% Cash Back on payments made to your First Progress Secured credit card account.
        • 19.24% VariableApply now
          On First Progress’s site
          Celtic Bank The Owner’s Rewards Card by M1
          3.91
        • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
        • 1.5% Cash Back on everything else.
        • 17.99% - 27.99% VariableApply now
          On Celtic Bank‘s site
          Capital One Spark Miles for Business
          4.11
          Walmart purchases
        • 5x Miles on hotels and rental cars booked through Capital One Travel.
        • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
        • 26.24% VariableLearn more
          on our partner’s site
          First Electronic Bank Destiny® Mastercard®
          1.47
          Unsecured
        • This card doesn't offer cash back, miles or points.
        • 35.90%Apply now
          On First Electronic Bank‘s site
          Cross River Bank Divvy
          4.04
        • 2x - 7x:
        • Points on restaurants.
        • 2x - 5x:
        • Points on hotels.
        • 1.5x - 2x:
        • Points on recurring software subscriptions.
        • 1x - 1.5x:
        • Points on everything else.
        • NoneApply now
          On Cross River Bank‘s site
          American Express Blue Cash Preferred
          5
          Gas, Groceries, Streaming services, Daily use
        • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
        • 6% Cash Back on streaming (select U.S. streaming subscriptions).
        • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
        • 3% Cash Back at U.S. Gas Stations.
        • 1% Cash Back on other purchases.
        • 19.24% - 29.99% 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.
        • 20.49% - 29.24% 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.
        • 20.49% - 29.24% VariableLearn more
          Citi Double Cash
          4.49
          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.
        • 19.24% - 29.24% VariableLearn more
          Citi Costco Anywhere Visa®
          4.15
          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.
        • 20.49% VariableLearn more
          Chase Sapphire Preferred®
          4.25
          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.
        • 21.49% - 28.49% VariableLearn more
          Citi Diamond Preferred®
          3.71
          0 APR, No Annual Fee
        • This card doesn't offer cash back, miles or points.
        • 18.24% - 28.99% VariableLearn more
          Credit One® Bank Platinum Visa For Rebuilding Credit
          1.46
          Retired person
        • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
        • 29.24% VariableLearn more
          U.S. Bank Visa® Platinum Card
          3.74
          0 APR, No Annual Fee
        • This card doesn't offer cash back, miles or points.
        • 18.74% - 29.74% VariableLearn more

          Capital One Venture Rewards Credit Card

          If you’re planning to travel in your retirement years, you should consider this card. It will earn you unlimited 2 miles on all purchases, which you can apply toward travel. New cardholders can get 75,000 bonus miles if they spend $4,000 on purchases in the first 3 months after account opening. The Capital One Venture Rewards will make your trips worry-free because it comes with travel accident insurance. You won't have to pay a foreign transaction fee with it. However, there's a $95 annual fee which, considering the rewards, is not too high anyway.

          Read more about Capital One Venture Rewards Credit Card

          American Express Blue Cash Preferred

          This one is a star for grocery shopping with its outstanding 6% cash back at U.S. supermarkets (up to $6,000 annually). The same rate applies to streaming services too. So, if you're eager to finally spend your days in bed watching movies and cooking, why not earn valuable rewards while doing that? Additionally, there's a 3% cash back on transit and gas purchases (at U.S. gas stations) and 1% on everything else. There is one offer for new cardholders at the moment: a $350 welcome bonus if you spend $3,000 on purchases in the first 6 months. The card has a $0 intro annual fee in the first year , then $95 after that.

          Read more about American Express Blue Cash Preferred

          Chase Freedom Flex℠

          With the Chase Freedom Flex℠, you're in for a rewards surprise each quarter, as this card offers 5% cash back in quarterly rotating bonus categories. There's also 5% on travel purchased through Chase, 3% at drugstores and restaurants, and 1% on everything else. There's a welcome offer of $200 which you can get by spending $500 in the first 3 months after account opening. If you've been eyeing some expensive treat for yourself, take advantage of the card's 0% APR intro period (15 months) on purchases and transfers (20.49% - 29.24% Variable after). Great for a no-annual fee card!

          Read more about Chase Freedom Flex℠

          Chase Freedom Unlimited®

          The Chase Freedom Unlimited® is the sister card of the Freedom Flex℠ card described above. The difference is that this one has no rotating quarterly categories and a 1.5% cash back rate on all purchases. So, if you haven't recognized yourself in some of the bonus rotating categories of the Flex, and your spending is all over the place, you might want to go with the Unlimited.

          Read more about Chase Freedom Unlimited®

          Citi Double Cash

          The Citi Double Cash comes with the best 2% flat rate on all purchases, you’ll get 1% when you buy and another 1% when you pay. This card has a long 18-month intro offer on balance transfers (19.24% - 29.24% Variable after). It’s great to save money if you have some credit card debt left, and it has no annual fee.

          Read more about Citi Double Cash

          Citi Costco Anywhere Visa®

          You’ve always dreamed of making a long road trip and feel like now is finally the right time. It is! And the Costco Anywhere Visa® will allow you to earn valuable rewards while driving around the country. It offers a 4% on gas purchases worldwide (up to $7,000 spent annually). Additionally, there’s 3% at restaurants and travel, 2% at Costco (physical stores and online), and 1% on everything else. This card has no annual fee, but you should only consider it if you’re a Costco fan as it requires a membership ($60 or $120).

          Read more about Citi Costco Anywhere Visa®

          Chase Sapphire Preferred®

          The Chase Sapphire Preferred® offers valuable travel rewards. You will earn 2 points per dollar spent on dining and travel and 1 point for all other purchases. There's an 60,000 points sign-up bonus, and to get it, you'd have to spend $4,000 in the first 3 months from account opening (that's $750 toward travel when redeemed through Chase Ultimate Rewards®). Retirees planning an exotic trip can easily reach that spending requirement. Additionally, you can earn up to $50 grocery store credit. As for rewards redemption, you can do it through Chase Ultimate Rewards and get 25% more redemption value or through one of the many Chase airline partners. This card comes with a $95 annual fee, but we believe retirees who enjoy traveling will find the rewards worth it.

          Read more about Chase Sapphire Preferred®

          Citi Diamond Preferred®

          This card is for all who need a bit more time to pay off their debts and expenses. You can do that interest-free with the Citi Diamond Preferred’s 21-month 0% APR offer on balance transfers and 12-month 0% APR purchases (18.24% - 28.99% Variable after). You can still enjoy yourself with the help of Citi Entertainment which gets you special access to many event tickets. The card has no annual fee. However, since it lacks rewards it doesn’t offer much reason to keep it after the introductory APR period ends.

          Read more about Citi Diamond Preferred®

          Credit One® Bank Platinum Visa For Rebuilding Credit

          You've struggled financially and are now entering retirement with poor credit? No need to worry you can use the Credit One® Bank Platinum Visa to rebuild your credit. It will earn you 1% cash back on all purchases, and its annual fee varies from $75 for the first year ($99 thereafter), based on your creditworthiness. You'll get a credit limit of at least $300 which will be regularly reviewed and potentially increased if you make timely payments. The card offers free access to the Experian credit score, and after you've improved your credit score, you can move on to better rewards cards.

          Read more about Credit One® Bank Platinum Visa For Rebuilding Credit

          U.S. Bank Visa® Platinum Card

          There’s nothing wrong if you have not yet settled all your debt. The no-annual-fee US bank Visa® Platinum has the longest introductory APR offer of even 18 billing cycles on both balance transfers and purchases. That should give you enough time to pay off your outstanding balances or even get yourself something pricey (you deserved it!).

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

          Should you get a credit card if you are retired?

          We know you might be thinking why would you need a credit card if you've already paid off all your loans, saved enough to enjoy retirement, and aren't planning any big expenses now. However, a credit card's only use is not just for borrowing from it. You can also earn valuable rewards on every purchase and get great benefits.

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          For example, the US bank Visa® Platinum and the Wells Fargo Cash Wise Visa® offer cell phone protection if you use your card to pay for your monthly mobile bills.

          Another thing you'll get from credit cards is protection. Almost all of them come with zero fraud liability, many of them come with extended warranties and purchase protection, and travel insurance is a common perk with travel credit cards.

          You'll also have breathing space between your payments as credit cards give you a certain period to pay off your balance without acquiring interest. You will avoid situations when you want to buy something but don't have enough money on your account at that moment.

          Most retirees will probably have high credit scores assuming they’ve been financially responsible throughout the years and are going into retirement debt-free. Depending on your income in retirement years, you might have a good chance at some great rewards cards. But even if that’s not the case, you can still get a credit building card, like the Credit One® Bank Platinum Visa For Rebuilding Credit. It will earn you rewards and enable you to apply for a better card once you improve your credit.

          How to choose the right type of card?

          Here are a few things you should consider when choosing a credit card:

          1. Annual fee – if retired, you probably live on a fixed income, unless you have some investments (good for you!). However, you should still make sure that an annual fee will be worth the rewards before you apply for a card. The potential rewards have to be higher than the annual fee, and this will depend on how much you spend in the bonus categories.
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              Let's take the Blue Cash Preferred® as an example. You'll need to spend around $1,600 on groceries annually to make up for the $95 annual fee.
          3. Rewards – some retirees will choose to spend their days traveling all around the world. They will benefit most from a travel rewards card, like the Chase Sapphire Preferred®. There are many cash back cards to choose from, too, with bonus categories ranging from groceries to home improvement. And, if you don't have favorite spending categories, just go for a card with a flat rate, like the Citi Double Cash.
          4. Other features and benefits – Finally, consider things like no foreign transaction fee, extended warranties, travel or rental car insurance, and many others.

          Mistakes seniors can avoid when applying for a credit card

          Spending too much

          Getting a credit card doesn’t mean you should go on a shopping spree right away and spend more than you can handle. Keep in mind that you’re not working anymore, so your income isn’t getting any higher. Make sure you can make all your payments on time.

          Not taking the time to research

          Maybe it seems like you’ve found your perfect card, but don’t act too fast. Read carefully the card’s fine print and be realistic about whether you can get approved for it. Rejected card applications will lower your credit score, and thus your chances for a good rewards card.

          Applying for several cards

          If you got rejected for one credit card, don’t immediately just apply for another one. Take the time to understand why you were rejected. If the reason was a poor credit score, work on it first before applying for another card.

          Spending tips for your retirement

          Make payments on time – don’t allow yourself to have to pay interests and hold debts at a life period when you should be free of those things.

          Maximize your rewards – make sure you spend enough to get the sign-up bonus and swipe your card for every purchase you make.

          Get a second card – because why not? If your credit score allows for that, get two credit cards to earn higher rewards in as many categories.

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          For example, you can have one card for common purchases (with a bonus category like groceries or dining out) and another one with travel rewards and no foreign transaction fee.

          FAQ

          What is the best credit card for a retired person?

          If there was a single best card for everyone, there wouldn’t have been that many options. The best credit card for you will be the one that best fits your lifestyle and spending habits.

          What are other credit cards to consider?

          Other great credit cards a senior citizen should consider are: Capital One Quicksilver, Discover it® Miles, and the Capital One SavorOne.

          Can I get a credit card as a retired person?

          Yes. If you meet the basic eligibility criteria you can apply for a credit card. Issuers take into account the applicant's income when considering an applicant. For you, this will be your pension, plus any additional investment income if you have some.
          Hanna VolkavaHanna Volkava

          Financial and product expert

          hv@myfin.us