Best Credit Cards for Teachers 2023

• 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 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 fees
• Rewards

• No sign-up bonus

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

• 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.

• $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

• Foreign transaction fee
• Rotating spending categories require activation
• No intro APR on balance transfers

• 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.

• No Annual Fee
• Generous rewards
• 0% intro APR
• Sign-up bonus

• Foreign Transaction Fee

• 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.

• High rewards rate for select categories
• Introductory Bonus Points
• No Foreign Transaction Fee
• UberCash Credit
• $120 Dining Credit

• Complicated Rewards System
• High Annual Fee
• Limited International Acceptance
• Relatively High Credit Score Requirements
• Balance transfers are not available

• Up to $120 Uber Cash to Dine or Ride;
• $100 hotel credit with The Hotel Collection;
• 60,000 Membership Rewards® Points;
• 4x Membership Rewards® Points on dining at restaurants;
• 4x Membership Rewards® Points on groceries at U.S. supermarkets;
• 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
• 1x Membership Rewards® Points on all other purchases;
• Additional Cards;
• American Express Experiences;
• Car Rental Loss and Damage Insurance;
• Baggage Insurance Plan;
• Global Assist^® Hotline;
• The Hotel Collection;
• Terms Apply.

• Excellent sign-up bonus
• No foreign transaction fees
• 25% more redemption value
• Unique “My Chase Plan” offer
• Great Referral Program

• There is an annual fee
• Steep penalty APR of 29.99%
• No 0% intro APR offer

• 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.

• Generous signup offer
• Annual $300 travel credit
• High travel and dining rewards
• Transfer points to loyalty programs
• Increase point value by 50%

• Typically requires excellent credit
• High annual fee

• 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.