Best Credit Cards for Small Purchases 2023

• No minimum redemption is required
• No annual fee
• No foreign transaction fees
• Intro APR period on Purchases
• Generous sign-up bonus

• 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

• $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.

• Unlimited high rewards rate
• Average credit score required
• Automatically considered for a higher credit line after 6 months
• No foreign transaction fees

• Annual fee
• High APR
• No bonus rewards categories

• 1.5% Cash Back;
• No Foreign Transaction Fees;
• Autopay;
• $0 Fraud Liability;
• Card Lock;
• ATM Location Services.

• No Annual Fee

• No Intro APR period
• High APR
• No welcome bonus

• 1.5% Cash Back on every purchase;
• $0 Fraud Liability;
• Emergency Card Replacement;
• Capital One® Travel.

• No Annual Fee
• No Foreign Transaction Fee

• High APR
• No 0% intro APR offer

• $50 bonus (once you spend $100 on purchases within 3 months from account opening);
• 1.5% Cash Back on every purchase;
• Fraud Liability;
• Extended Warranty;
• Travel Accident Insurance;
• Capital One Shopping;
• Complimentary Concierge Service;
• 24-hour Travel Assistance Services.

• No Annual fee
• No extra fees

• No Intro APR reriod

• $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.

• Every Purchase Earns You Cash Back
• Increased Cash Back for Three Categories
• No Limits Abroad
• Forget About Fees

• You Can’t Withdraw Cash
• Cash Back Doesn’t Satisfy Your Monthly Payments

• $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.

• No Annual Fee
• No Foreign Transaction Fee

• No Intro APR period

• $750 cash bonus (once you spend $6,000 on purchases within the first 3 months from account opening);
• 5% Cash Back on hotels and rental cars booked through Capital One Travel;
• 1.5% Cash Back for your business on every purchase;
• $0 Fraud Liability;
• Free Employee Cards;
• Roadside Assistance.

• No fees
• Rewards

• No sign-up bonus

• Unlimited creation of virtual cards;
• Scalable credit line;
• Employee cards for everyone;
• Enforceable budgets;
• Expense reports.

• Flat-rate Cash Back Rewards on Everything
• High Rewards Rate
• No annual fee
• Attractive Intro APR on Balance Transfers

• Losing your 1% Cash-Back Is Pretty Easy
• Foreign transaction fee
• Balance Transfer Fee

• Citi Entertainment;
• 2% Cash Back on every purchase;
• Fraud Protection;
• The Lost Wallet Service;
• $0 Liability for Unauthorized Charges.

• Excellent cashback bonuses
• Generous intro APR on purchases
• Great introductory bonuses

• Cashback cap
• Annual fee
• Foreign transaction fee

• 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.