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Best Credit Cards of April 2019

Searching for a great credit card? Check out the latest and best offers for travel rewards cards, cash-back cards, balance transfer cards and much more.

Best Card Offers for April 2019

 Best Travel Rewards Cards

Southwest Rapid Rewards® Priority Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Southwest Rapid Rewards® Priority Credit Card is an excellent card for regular customers of Southwest Airlines who want to redeem rewards for Southwest flights.

Key benefits:

Cardholders will earn 2 points for every $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases. Cardholders will earn 1 point per $1 spent on all other purchases.

Other perks include 20% back on in-flight drinks and Wi-Fi and $75 in Southwest travel credit each year.

Chase Sapphire Reserve®
Credit Rating Needed:
Excellent
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Who it's good for:

The Chase Sapphire Reserve® card is for people who are going places. Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine, it has some of the most generous travel rewards around --- and it makes an impression.

Key benefits:

Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when the points are redeemed through the Chase Ultimate Rewards® program.

Cardholders also get a $300 annual travel credit as reimbursement for travel purchases charged to the card each account anniversary year, and an up to $100 credit on Global Entry or TSA Pre✔® application fees. The card provides access to more than 1,000 airport lounges worldwide, and it charges no foreign transaction fees.

Capital One® VentureOne® Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® VentureOne® Rewards Credit Card is the perfect card for the frequent traveler who flies on a variety of airlines and stays at a range of hotels.

Key benefits:

Earn 10X miles on thousands of hotels, through January 2020, and transfer miles to over 12 leading travel loyalty programs. Fly any airline, stay at any hotel, anytime --- with no blackout dates. Miles won't expire for the life of the account, and there's no limit to how many can be earned.

Plus, a cardholder will receive a one-time bonus of 20,000 Miles after spending $1,000 on purchases within 3 months from account opening. That's equal to earning $200 off travel.

Citi Premier Card
Credit Rating Needed:
Excellent
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Who it’s good for:

Frequent travelers with good credit.

Key benefits:

The Citi Premier Card offers a low APR and low annual fee, with the first annual fee waived. Cardholders earn unlimited points for all purchases, and extra points for travel, gas, restaurants and entertainment, and these points don't expire. And for a limited time, cardholders can Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening..

U.S. Bank Altitude™ Reserve Visa Infinite® Card
Credit Rating Needed:
Excellent Credit
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Who it's good for:

Frequent travelers who want to earn points on their travel expenses.

Key benefits:

The U.S. Bank Altitude™ Reserve Visa Infinite® Card offers great travel benefits for frequent travelers, including airport lounge access, reimbursement for TSA PreCheck or Global Entry application fees, and 3x points on travel purchases. New Cardholders can earn 50,000 bonus points worth $750 on travel when you spend $4,500 in eligible net purchases within the first 90 days of account opening.

The Platinum Card® from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Platinum Card® from American Express is iconic, one of the original premium credit cards --- and it remains a solid travel rewards card for anyone who loves amassing points and being pampered with perks.

Key benefits:

Earn 60,000 Membership Rewards® points once a new card has been used to make $5,000 in purchases during the first 3 months. And, cardholders collect 5X Membership Rewards® points on: flights booked directly with airlines or with American Express Travel; and prepaid hotels booked on amextravel.com.

Cardholders pay a $550 annual fee, but they might easily make that back through perks. They enjoy Uber VIP status and up to $200 in free rides each year, plus: access to Global Lounge Collection airport lounges; a $200 credit on airline fees each year; benefits at Fine Hotels & Resorts valued at an average $550; and up to $100 in statement credits annually at Saks Fifth Avenue.

American Express® Gold Card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The American Express® Gold Card is the classic premium credit card, introduced in 1966 and still an excellent pick for the person who recognizes that the finer things in life can be good values, too. The card offers abundant opportunities to collect points and enjoy savings.

Key benefits:

Earn 35,000 Membership Rewards® Points after spending $2,000 on eligible purchases with a new card within the first 3 months. Earn 4X Membership Rewards® points at U.S. restaurants and supermarkets, and earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

The card has no foreign transaction fees. The bulk of the $250 annual fee can be made back through statement credits, including: up to $120 in annual credits when the card is used at Grubhub, Seamless, The Cheesecake Factory, Shake Shack and Ruth's Chris Steak House; and up to $100 in credits per calendar year for add-on fees at one selected qualifying airline.

Barclaycard Arrival Plus® World Elite Mastercard®
Credit Rating Needed:
Good/Excellent
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Who it's good for:

Barclaycard Arrival Plus® World Elite Mastercard® offers excellent travel rewards for potential cardholders, and works well for cardholders looking for no restrictions as to where they can redeem their travel reward miles.

Key benefits:

Enjoy 70,000 bonus miles with the Barclaycard Arrival Plus® World Elite Mastercard®, and receive 5% miles back --- every time you redeem. Barclaycard Arrival Plus® World Elite Mastercard® has an APR% of and allows a great degree of flexibility and control with authorized users.

You can block entire purchase categories for authorized users, making this a great card for families.

Capital One® Venture® Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Venture® Rewards Credit Card is an excellent rewards card for the frequent traveler who's ready to see more of the world and is looking for uncomplicated ways to earn tons of miles and score free trips. The card was named CNBC's Best Travel Card of 2018.

Key benefits:

A new cardholder can get a one-time bonus of 50,000 Miles after spending $3,000 on purchases within the first 3 months. That's equal to $500 in travel. Earn 10X miles on thousands of hotels, through January 2020, and earn 2X miles on every purchase, every day. Miles won't expire for the life of the account and are good on any airline and at any hotel, with no blackout dates.

The annual fee is $0 intro for first year; $95 after that, and there are no foreign transaction fees. Plus, cardholders receive up to a $100 application fee credit for Global Entry or TSA Pre✔®.

Chase Sapphire Preferred® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Sapphire Preferred® Card works well for cardholders with good credit scores, looking for flexible travel points.

Key benefits:

Earn 60,000 bonus points for travel---equivalent to $750 when redeemed---with the Chase Sapphire Preferred® Card.

This premium card earns 2X points on travel and dining, and 1 point per dollar on all other purchases. Along with having a lower variable APR between , the Chase Sapphire Preferred® Card allows for 1:1 point transfer to other airline and hotel loyalty programs.

 Best Student Cards

Journey® Student Rewards from Capital One®
Credit Rating Needed:
Average, Fair, Limited
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Who it's good for:

The Journey® Student Rewards from Capital One® is an excellent first credit card for students.

Key benefits:

Cardholders will earn 1% cash back on all purchases, which increases to a total of 1.25% for the month as a reward if the balance is paid on time. This card teaches responsible use and helps cardholders build their credit --- cardholders can request a higher credit line after making their first 5 monthly payments on time.

Citi Rewards+ Student Card
Credit Rating Needed:
Good
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Who it's good for:

The Citi Rewards+℠ Student Card is the perfect starter card for the student who is ready to start building credit and find out how a good rewards credit card works.

Key benefits:

The only credit card that automatically rounds up to the nearest 10 points on every purchase, the Citi Rewards+℠ Student Card also provides 2,500 bonus points after the cardholder spends $500 within 3 months of account opening. Those points are redeemable for a $25 gift card. The card also has a $0 annual fee and a 0% intro APR on purchases for 7 months. After that, the variable APR is 16.74% - 26.74%, based on creditworthiness.

Get 10% points back for the first 100,000 ThankYou® Points redeemed each year.

Deserve Pro
Credit Rating Needed:
No Credit History
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Who it's good for:

The Deserve Pro Mastercard is a good travel and rewards credit card for students, young professionals and recent immigrants that can help build a credit history.

Key benefits:

Priority Pass™ Select Membership (valued at $99), good for discounted airport lounge access, when $1,000 in purchases have been made with a new card within the first 90 days. Cardholders earn 3% cash back on travel and entertainment, 2% cash back at restaurants, and 1% unlimited cash back on all other purchases.

The card comes with a $0 annual fee, credit limits up to $10,000, no foreign transaction fees, and up to $600 in complimentary cellphone insurance.

Deserve Edu
Credit Rating Needed:
No Credit History
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Who it's good for:

Deserve Edu is great for students who shop with Amazon, love travelling, or are international students.

Key benefits:

The Deserve Edu, on top of being a solid starter credit card for students, offers access to an Amazon Prime Student subscription!

With 1% unlimited cash back and no foreign transaction fees, Deserve Edu helps local and international students alike build credit.

 Best Secured Cards

Capital One® Secured Mastercard®
Credit Rating Needed:
Limited, Bad
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Who it’s good for:

People with low or no credit who want to build their credit.

Key benefits:

Capital One® Secured Mastercard® has no annual fee and is perfect for people with limited or bad credit. Cardholders get access to a higher credit line after making the first 5 monthly payments on time with no additional deposit needed. $0 Annual Fees make it easy to build credit.

Citi® Secured Mastercard®
Credit Rating Needed:
Limited History/No Credit/ New-to-Credit/ Good
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Who it’s good for:

People with bad or limited credit.

Key benefits:

When used responsibly, the Citi® Secured Mastercard® is a great way to build credit. With no annual fee and only a small, refundable security deposit, cardholders can build credit history. Citi has great customer service and online tools to help cardholders stay on track and make payments easily.

OpenSky® Secured Visa® Credit Card
Credit Rating Needed:
Fair/Poor/Bad/No Credit
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Who it's good for:

The OpenSky® Secured Visa® Credit Card is good for consumers with no credit or a low credit score hoping to build their credit with a basic credit card.

Key benefits:

The refundable deposit a cardholder provides becomes the credit line limit on the credit card. It can be as low as $200!

The card reports to all 3 major credit bureaus, so cardholders are able to build credit quickly. OpenSky customers who started without a credit score reported a record with the credit bureaus in as little as six months.

OpenSky provides cardholders with credit tips and resources on its website and Facebook page.

 Best Rewards Cards

Costco Anywhere Visa® Card by Citi
Credit Rating Needed:
Excellent
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Who it’s good for:

Costco members who regularly shop at Costco.

Key benefits:

The benefits of the Costco Anywhere Visa® Card by Citi don't stop at the doors of Costco, although 2% cashback on in-store and online purchases isn't bad at all. Cardholders can also get 4% cash back on gas, 3% on restaurants and travel, and 1% on all other purchases. With no annual fee (aside from the cost of a Costco membership), this is a low-fee card with a reasonably low APR, too.

USAA® Rewards™ American Express® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

The USAA® Rewards™ American Express® Card is good for active and former members of the military. The card has incredible benefits for cardholders during active deployment or PCS --- a 4% APR on all balances for up to 12 months.

Key benefits:

In addition to the 4% APR during active deployment or PCS, cardholders will receive a 4% APR on any existing balance they carry at the time they enter active duty until one year after they complete active duty.

Mastercard® Gold Card™
Credit Rating Needed:
Excellent
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Who it's good for:

The Mastercard® Gold Card™ is good for cardholders who regularly shop and travel, and purchase luxury goods. The card has a high annual fee of $995, so cardholders should intend to take advantage of the card's many benefits.

Key benefits:

Cardholders hace access to Mastercard's 24/7 Luxury Card Concierge for booking tickets, restaurant reservations and luxury gifts.

Cardholders will receive $100 toward their Global Entry application fee and a $200 annual airline credit.

The card itself is 24K gold-plated, so it's certain to turn heads at restaurants and hotels on check-in.

Citi Rewards+ Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with good credit who want a rewards card with no annual fees.

Key benefits:

Introducing the New Citi Rewards+ Card -- The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.. Earn points on all purchases, and 2X points on groceries and gas. Eligible applicants can access a low APR and there are no annual fees.

Mastercard® Black Card™
Credit Rating Needed:
Excellent
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Who it's good for:

The Mastercard® Black Card™ is good for cardholders interested in travel and luxury rewards. With a high annual fee of $495, cardholders should intend to take advantage of the many tailored rewards.

Key benefits:

The card itself is made from stainless steel, giving it a weight and presence that will be noticed in restaurants and at hotel check-in.

Cardholders can access the 24/7 Luxury Card Concierge, helping cardholders book reservations, tickets and travel experiences.

Cardholders will receive $100 Global Entry application fee credit, a $100 annual airline credit toward qualifying purchases and other travel benefits, such as rental car insurance.

Mastercard® Titanium Card™
Credit Rating Needed:
Excellent
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Who it's good for:

Mastercard® Titanium Card™ has a sleek design, and is perfect for VIP frequent travelers with a good credit score.

Key benefits:

24/7 Luxury Card Concierge™, aside from 2% Value airfare redemptions, and 1% cash back, remains the primary draw of this exclusive card.

The 24/7 Luxury Card Concierge™ gets you a team at your beck and call who will help you secure travel, accomodations, restaurant reservations, and even help you find unique gift ideas.

Simmons Rewards Visa Signature®
Credit Rating Needed:
Excellent
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Who it's good for:

The Simmons Rewards Visa Signature® credit card is good for consumers with an excellent credit score looking for basic travel rewards.

Key benefits:

The Simmons Rewards Visa Signature® boasts a low APR, no annual fee and no balance transfer fee.

Cardholders will earn 1.25 points per net dollar spent, which can be redeemed for travel including hotels, cruises, vacation packages and car rentals.

 Best Prepaid Cards

24k Prepaid Visa® RushCard
Credit Rating Needed:
Limited/No Credit
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Who it's good for:

People who want to shop with the convenience of a credit card, but don't want a credit card, or don't qualify for one.

Key benefits:

All funds on the 24k Prepaid Visa® RushCard are FDIC-Insured and protected by Visa's Zero Liability policy. Cardholders can use this prepaid visa card to easily pay for bills online.

Carbon Prepaid Visa® RushCard
Credit Rating Needed:
Limited/No Credit
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Who it's good for:

The Carbon Prepaid Visa® RushCard is a prepaid debit card that can be a convenient option for anyone who doesn't have a checking account and needs a way to receive payments from an employer or the government.

Key benefits:

A cardholder can, in fact, receive government benefits up to two days early via direct deposit to the RushCard; some restrictions reply. Funds loaded onto the card are FDIC-insured through MetaBank® and are protected if the card is lost or stolen. Real-time activity alerts let a cardholder know when a deposit has gone through or if the card's balance is running low.

The card has Variable Monthly Fees, and there's a 99-cent charge to transfer money to another RushCard member.

Midnight Prepaid Visa® RushCard
Credit Rating Needed:
Limited/No Credit
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Who it's good for:

People with no credit who may need occasional access to cash advances.

Key benefits:

The Midnight Prepaid Visa® RushCard is prepaid, so even people with limited or no credit can qualify. When cardholders enroll in Direct Deposit, they can get their pay up to two days early, which gives cardholders a lot more flexibility in accessing their funds and keeping on top of their finances. Plus, online account access makes it easy to stay on top of spending.

Green Dot 5% Cash Back Visa® Debit Card
Credit Rating Needed:
No Credit/Prepaid
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Who it's good for:

The Green Dot 5% Cash Back Visa® Debit Card is a prepaid debit card good for a person who doesn't have a checking account and who can appreciate a generous cash-back offer.

Key benefits

Earn 5% Cash Back on purchases, up to $250 per reward year. The $250 cash-back limit applies only to new accounts opened by March 31, 2019. Cash-back rewards can be claimed after a cardholder has used the card and paid its monthly fee for 12 months.

No credit check is necessary to get a card, which comes with a mobile app for keeping track of the account 24/7. Checks can be deposited using a smartphone.

Sequin KLS Prepaid Visa® RushCard
Credit Rating Needed:
Limited/No Credit
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Who it's good for:

Sequin KLS Prepaid Visa® RushCard works great for people who want a prepaid shopping card, and they don't qualify or need a traditional credit card.

Key benefits:

Load your card with up to $10,000 and shop online or in store. You can manage your funds online with ease, and your funds are completely insured and protected by both the FDIC and Visa.

 Best No Annual Fee Cards

Capital One® Platinum Credit Card
Credit Rating Needed:
Average, Fair, Limited
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Who it’s good for:

People who want to pay $0 annual fee.

Key benefits:

Capital One has great online and mobile banking services, which means that cardholders of the Capital One® Platinum Credit Card have tons of flexibility in payment methods. With no annual fee and built-in fraud coverage, this is an easy and stress-free card to own.

ABOC Platinum Rewards Credit Card
Credit Rating Needed:
Good
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Who it's good for:

ABOC Platinum Rewards Credit Card works hard for the average cardholder attempting to increase their credit.

Key benefits:

Earn $150 Statement Credit with the ABOC Platinum Rewards Credit Card, and take advantage of their 0% introductory APR for 12 months. ABOC Platinum Rewards Credit Card has a APR% between after the 12-month period, and allows you to earn 5X the rewards points---redeemable in a number of popular categories.

 Best Miles Cards

Southwest Rapid Rewards® Premier Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

Travelers who frequent Southwest Airlines.

Key benefits:

The Chase Southwest Rapid Rewards® Premier Credit Card starts cardholders out with the option to Earn 40,000 points after spending $1000 in the first 3 months, and an additional bonus a year after the card is opened. This card is great for travelers; forget foreign transaction fees and blackout dates. Earn unlimited points that never expire on all of your purchases, and bonus points on purchases on Southwest and their hotel and car rental partners.

Blue Delta SkyMiles® Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it’s good for:

Travelers who regularly fly on Delta.

Key benefits:

The Blue Delta SkyMiles® Credit Card from American Express is one of the few travel cards with no annual fee. Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Earn miles towards travel on all purchases, and double points on restaurants and purchases made directly with Delta.

Citi® / AAdvantage® Executive World Elite Mastercard®
Credit Rating Needed:
Excellent
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Who's it good for:

The Citi® / AAdvantage® Executive World Elite Mastercard® works best for professionals or high earners who are frequent flyers with American Airlines. Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*.

Key benefits:

If the cardholder has a large family, or a number of people who travel with them regularly, the group benefits of this card are awesome.

Complimentary Admirals Club ® access for authorized users, and guests traveling with you, free initial checked bag on domestic flights for you and anyone else on your reservation.

Southwest Rapid Rewards® Plus Credit Card
Credit Rating Needed:
Excellent, Good
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Who's it good for:

The Southwest Rapid Rewards® Plus Credit Card aims to add value for regular users of Southwest Airlines.

Key benefits:

Earn 40,000 points after spending $1,000 in the first 3 months, and continue to rack up points through hotel and car rentals. Be rewarded for loyalty, with 3,000 bonus points every cardholder anniversary.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is excellent for cardholders who travel regularly and fly with American Airlines.

Key benefits:

Cardholders earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.

Cardholders also earn 2 AAdvantage miles for every $1 spent at gas stations and restaurants. Terms apply.

British Airways Visa Signature® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The British Airways Visa Signature® Card from Chase is great for the trans-Atlantic traveler who's ready to earn hefty rewards and enjoy serious savings on trips across "the pond" or anywhere else British Airways flies.

Key benefits:

Earn 4 Avios for every $1 spent on all purchases within the first year, up to $30,000. That's up to 120,000 bonus Avios --- which is what British Airways calls its rewards points. Then, earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.

Make $30,000 in purchases with the card during a calendar year and earn a Travel Together Ticket good for two years. Plus, a cardholder pays no foreign transaction fees when traveling abroad.

United℠ Explorer Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

United℠ Explorer Card favors frequent United flyers, giving them access to a number of United specific rewards.

Key benefits:

Limited time offer! Earn up to 60,000 Bonus Miles. and pay a $0 introductory fee. The United℠ Explorer Card also provides Global Entry or TSA Pre✔® Fee credit, free first bag check, and priority boarding. Cardholders can celebrate their good decisionmaking in the United Club℠ twice a year, free of charge.

American Airlines AAdvantage MileUp Card
Credit Rating Needed:
Excellent
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Who it's good for:

The American Airlines AAdvantage MileUp℠ Card is good for anyone who flies regularly on American Airlines and is looking to score some miles easily.

Key benefits:

Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases during the first 3 months.

Cardholders will earn 2 AAdvantage miles for each $1 spent on eligible American Airlines purchases and at grocery stores. Cardholders also save 25% on in-flight food and beverage purchases. The card has no annual fee.

Avianca Vuela Visa® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

Frequent travelers who use Avianca Airlines regularly.

Key benefits:

For frequent travelers to Central America or Colombia, Avianca LifeMiles may come in super handy, and no foreign transactions fees won't hurt either. The Avianca Vuela Visa® Card offers 3 LifeMiles per $1 on Avianca purchases, 2 for gas and groceries, and 1 on all other purchases. Plus, travelers can get a few other benefits during their travel to Central America or Colombia, including a free additional piece of luggage, a once-per-year 50% discount on the price of a ticket, and travel accident insurance.

Avianca Vida Visa® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

Frequent travelers who regularly use Avianca Airlines.

Key benefits:

The Banco Popular Avianca Vida Visa® Card is a great option for frequent travelers. Cardholders can earn unlimited miles on every purchase, with 2X points on Avianca purchases. Banco Popular is also offering a bonus of 20,000 Bonus LifeMiles after first card use. Travelers will also enjoy Travel Accident Insurance and Auto Rental Collision Damage Waiver, so even when they're on the road, Cardholders are protected.

 Best Low Interest Cards

Barclaycard Ring® Mastercard®
Credit Rating Needed:
Good/Excellent
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Who it's good for:

The Barclaycard Ring® Mastercard® works for cardholders looking to secure a low APR, as low as 14.24%, after the initial 0% APR introductory period.

Key benefits:

Barclaycard Ring® Mastercard® has the advantage of no annual fees, no foreign transaction fees, and an 0% APR on balance transfers as well.

Simmons Visa®
Credit Rating Needed:
Excellent
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Who it's good for:

Simmons Visa® is an excellent card for cardholders looking for a balance transfer card. The low interest rate means cardholders can pair this with their favorite rewards card and not worry if they can't pay down a balance right away.

Key benefits:

With one of the lowest APRs at 10.50%, and absolutely no balance transfer fee or annual fee, Simmons Visa® with the Simmons Visa®, and take advantage of their 0% introductory APR for 12 months. Simmons Visa® has a APR% between 10.50% after the 12-month period, and allows you to earn 5X the rewards points---redeemable in a number of popular categories.

USAA® Rate Advantage Visa Platinum® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

The USAA® Rate Advantage Visa Platinum® Card is a terrific choice for active-duty members of the U.S. military, veterans and eligible family members who are all able to enjoy low costs and special benefits.

Key benefits:

The card offers 4% APR on all balances for up to 12 months during deployment or relocation. Cardholders also can get 4% APR on existing balances once they enter active military duty, and those balances remain at the low rate for one year after active duty has been completed.

The card comes with low everyday APR (9.15% - 26.15%), a $0 annual fee, no foreign transaction fees and no penalty APR for late payments. USAA membership is required. The organization is open to: current service members; honorably discharged veterans; widows, widowers and children of USAA members; cadets and midshipmen at U.S. service academies; and some ROTC members.

 Best Hotel Cards

The World Of Hyatt Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

Frequent travelers who regularly stay at Hyatt hotels.

Key benefits:

The World Of Hyatt Credit Card from Chase can help you earn free nights at Hyatt properties from your purchases. Earn up to 50,000 Bonus Points in your first 3 months when you spend $3,000. Free nights stay start at 5,000 points

Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

IHG® Rewards Club Premier Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

Frequent travelers who enjoy staying at IHG properties.

Key benefits:

Earn up to 120,000 Bonus Points when spending $2000 on purchases, with the possibility of a 40,000 additional points after spending $5000.

Cardholders also get a free nights stay on their accounts' anniversary, and a free additional nights stay when redeeming their points for four nights minimum stay.

Marriott Bonvoy Boundless™ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Marriott Bonvoy Boundless™ Credit Card --- formerly known as the Marriott Rewards Premier Plus card --- is great for travelers who enjoy staying at Marriott properties and are ready to score big points and take a dream vacation.

Key benefits:

Limited Time Offer! Earn 100,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening. Earn 6X Bonvoy points per $1 spent at over 6,700 participating Marriott Bonvoy hotels.

Cardholders also can get an additional Free Night Award (valued up to 35,000 points) every year after your account anniversary.

Hilton Honors American Express Card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Hilton Honors American Express Card offers excellent rewards for frequent travelers who plan to stay at the Hilton family of hotels.

Key benefits:

Cardholders enjoy complimentary Hilton Honors Silver status. Those who spend $20,000 on eligible purchases in a calendar year are upgraded to Hilton Honors Gold status through the end of the next calendar year.

Cardholders enjoy international travel without additional fees on purchases made abroad.

Hilton Honors American Express Ascend Card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Hilton Honors American Express Ascend Card works best when used in conjunction with the Hilton Honors program. Patrons of Hilton hotels and resorts will get a lot of mileage out of the arrangement.

Key benefits:

Earn 125,000 Hilton Honors Bonus Points and build points quickly with 12X Hilton Honors Bonus Points on charges with Hilton. The cardholder also gets 6X the points at eligible supermarkets, restaurants, and gas stations.

 Best Gas Cards

Credit One Bank® Unsecured Visa® for Rebuilding Credit
Credit Rating Needed:
Poor
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Who it's good for:

The Credit One Bank® Unsecured Visa® for Rebuilding Credit is an excellent card for people with bruised credit who are looking for help getting back on their financial feet.

Key benefits:

Consumers can find out if they prequalify without harming their credit scores. For cardholders looking to rebuild their credit, the card reports to the major credit bureaus monthly and offers free online access to the consumer's Experian credit score. Accounts are automatically reviewed for credit line increase opportunities.

Get a credit line between $300 and $3,000 based on credit history. Eligible purchases earn 1% cash back automatically.

Credit One Bank® Platinum Visa®
Credit Rating Needed:
Fair
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Who it's good for:

Applicants with strong credit scores, and applicants who check their credit score often. They will receive the preferred annual fee rate and a lower APR%, along with free online access to their Experian credit score.

Key benefits:

No annual fee for qualified individuals, cashback, lowered APR%, coupled with free online access to Experian makes for an attractive card. If you check your credit score religiously, this card may be worth it for the free Experian accesss alone.

NASCAR® Credit Card from Credit One Bank®
Credit Rating Needed:
Fair
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Who it's good for:

The NASCAR® Credit Card from Credit One Bank® is a souped-up card for racing fans --- and a good choice for other consumers needing help revving up their credit scores.

Key benefits:

Cardholders earn 2% cash-back rewards at the NASCAR.com Superstore and 1% cash back on other eligible purchases.

Applicants looking to rebuild credit can find out if they prequalify without harming their credit scores. The card offers $0 liability for fraud, provides free online access to cardholders' Experian credit scores, and reports to all three major credit bureaus on a monthly basis. That's so the agencies will know quickly when a consumer is demonstrating good credit habits with the card.

Credit One Bank® Unsecured Platinum Visa®
Credit Rating Needed:
Poor
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Who it's good for:

The Credit One Bank® Unsecured Platinum Visa® is an excellent no-frills card for consumers with lower credit scores looking for cash back rewards and basic travel benefits.

Key benefits:

Offering a low annual fee and a few valuable benefits, the Credit One Bank® Unsecured Platinum Visa® is an excellent choice for consumers with lower credit scores.

The card includes travel, accident and auto rental collision insurance. With $0 fraud liability, cardholders won't be responsible for unauthorized charges.

 Best Cash Back Cards

Capital One® QuicksilverOne® Cash Rewards Credit Card
Credit Rating Needed:
Average, Fair, Limited
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Who's it good for:

The Capital One® QuicksilverOne® Cash Rewards Credit Card should be considered by consumers sick of cashback limits in the fine print, and just want to earn a fixed percentage.

Key benefits:

The fact that you earn unlimited, non-expiring, cashback of 1.5% on all purchases is pretty attractive. Being able to increase your credit limit after making your first 5 monthly payments is a nice plus.

American Express Cash Magnet® Card
Credit Rating Needed:
Good, Excellent
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Who's it good for:

The American Express Cash Magnet® Card works great for consumers looking for a low fee cashback card, or folks looking to split large payments into smaller installments.

Key benefits:

With an APR as low as 15.24% - 26.24%, no annual fees, and unlimited cashback, the American Express Cash Magnet® Card is an excellent everyday cashback credit card. Additionally, the first 15 months of Plan It® allow you to split off a large purchase into monthly installments, free of fees.

Blue Cash Everyday® Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Blue Cash Everyday® Card from American Express is a fantastic rewards card for everyday use, offering low costs and convenient opportunities to earn stepped up rewards.

Key benefits:

Earn a $150 statement credit after making $1,000 in purchases with a new card within the first 3 months. Earn up to 3% cash back at supermarkets and 2% cash back at gas stations and select U.S. department stores. Other purchases earn 1% back.

The card has a $0 annual fee, and cardholders enjoy a 0% introductory APR on purchases and balance transfers for the first 15 months. After that, they pay a variable rate (currently 15.24% - 26.24%).

Capital One® SavorOne℠ Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with reasonably good credit who are interested in cash back rewards.

Key benefits:

The Capital One® SavorOne℠ Cash Rewards Credit Card offers no annual fee, no foreign transaction fees, and 0% APR on balance transfers for the first 15 months, which is a great deal. Cardholders can earn $150 Cash Back after you spend $500 on purchases within 3 months from account opening. Cardholders also earn unlimited cash back on every purchase, with bonus cash back on dining, entertainment, and grocery purchases.

U.S. Bank Cash 365™ American Express® Card
Credit Rating Needed:
Excellent Credit
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Who it's good for:

The U.S. Bank Cash 365™ American Express® Card is good for consumers looking for an above-average cash back reward on all purchases.

Key benefits:

The U.S. Bank Cash 365™ American Express® Card offers unlimited 1.5% cash back on all eligible net purchases with no annual fee and a 0% APR on balance transfers for 12 billing cycles.

Blue Cash Preferred® Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

People interested in high value cash back rewards.

Key benefits:

The Blue Cash Preferred® Card from American Express offers a basically unbeatable 6% cash back on groceries (up to $6000 per year), plus 3% on gas and 1% on all other purchases. That means spending just $60 a week at U.S. supermarkets could earn over $180 back per year. Also, Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Capital One® Quicksilver® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

The Capital One® Quicksilver® Cash Rewards Credit Card is a card for people looking for a balance transfer card---with cash back rewards.

Key benefits:

Providing unlimited 1.5% cash back, Capital One® Quicksilver® Cash Rewards Credit Card also offers 16.24% - 26.24% after $500 of purchases within 3 months of opening your account.

This card holds no annual fee, and the APR is 0% for 15 months---for balance transfers as well. After the 15-month period, the card returns to its variable APR, ranging between . Balance transfers are the same, with a 3% fee tacked on.

Chase Freedom®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom® credit card is an excellent no-frills option for first-time cardholders, or cardholders looking to consolidate their debts.

Key benefits:

The Chase Freedom® credit card has a 0% introductory APR for 15 months from account opening on purchases and balance transfers.

Chase Freedom® also offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter.

Cardholders will earn a 1% cash back on all other purchases.

Citi® Double Cash Card - 18 month BT offer
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi® Double Cash Card has wide appeal. It deserves a spot in the wallet of anyone who'd like to pay down debt --- or earn better than the usual cash back on every type of spending.

Key benefits:

Earn 2% cash back on purchases: 1% at the time of purchase and another 1% when it's paid off. The card also offers a 0% introductory APR on balance transfers --- for 18 months. After that, cardholders pay a variable rate, currently 15.74% - 25.74%*. Note that there is a balance transfer fee and that transfers do not earn cash back.

This card has a $0* annual fee, and the cash back couldn't be more simple: There are no caps and no categories to track.

Credit One Bank® Visa® Credit Card with Cash Back Rewards
Credit Rating Needed:
Fair
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Who it's good for:

People with good credit who want cash back rewards.

Key benefits:

The Credit One Bank® Visa® Credit Card with Cash Back Rewards offers qualified applicants no annual fee and 1% cash back on all purchases. Credit One Bank's mobile banking app makes it easy to keep track of your spending and make payments 24/7 from anywhere with internet access. Credit One also offers cardholders free online access to their Experian credit score and report summary to keep track of their overall credit health, a great fringe benefit!

USAA® Preferred Cash Rewards Visa Signature® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

The USAA® Preferred Cash Rewards Visa Signature® Card is for active and former military, and their families, so they get to reap the rewards of 1.5% cash back on all purchases.

Key benefits:

The USAA® Preferred Cash Rewards Visa Signature® Card offers a number of special benefits for military on active duty, with an APR at 4% while deployed up to 12 months.

After 12 months, a variable APR of between will apply. The card also has no annual fee, no penalty APR, and no foreign transaction fees.

Capital One® Savor® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Savor® Cash Rewards Credit Card is excellent for cardholders who enjoy dining and entertainment experiences --- concerts, sports and theater.

Key benefits:

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

Cardholders will also receive a monthly credit for a Postmades Unlimited membership through December 2019.

Chase Freedom Unlimited®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom Unlimited® Visa card is a strong choice for anyone who's in the market for either a cash-back credit card or a balance transfer card. It offers freedom from the usual cash-back restrictions and from interest on balances transferred over.

Key benefits:

The card offers unlimited and automatic 1.5% cash back on every purchase, and there's no minimum for redeeming cash back rewards. Cardholders also enjoy a 0% introductory APR for 15 months on purchases and balance transfers, then a variable APR (currently 17.24% - 25.99%). The fee on balance transfers is either $5 or 3%, whichever is greater.

Earn 3% cash back on all purchases in your first year up to $20,000 spent.. Redeem your cash back whenever, no minimums required. The annual fee is $0.

toggle® Unlimited 1.5% Cash Back1 Everyday Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The toggle® Unlimited 1.5% Cash Back1 Everyday Rewards Credit Card is good for cardholders looking for a low APR and cash back, and flexibility in how they redeem their cash back.

Key benefits:

toggle® Unlimited 1.5% Cash Back1 Everyday Rewards Credit Card provides a 12.49%-22.49% after spending $1000 in the first 3 months. It provides 1.5% cash back on all purchases, and has no annual fee.

The APR is 0% for the first year, and then remains between .

Commerce Bank® 1.5% Cash Back1 Rewards Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Commerce Bank® 1.5% Cash Back Rewards Card is an excellent card for the person who appreciates no-fuss, everyday savings. Cardholders earn cash back simply, with no categories or calendar to keep track of.

Key features:

Receive a $150 Cash Back Bonus after spending $1,000 on purchases within the first three months. Cardholders also collect unlimited 1.5% cash back on every purchase, with no exclusions, sign-ups or point caps. Cash back can be redeemed as a statement credit or can be traded for gift cards, travel, merchandise and more.

The card has a $0 annual fee and a 0% introductory APR for purchases and balance transfers during 12 monthly billing cycles. After that, the regular APR is variable, currently 12.49%-22.49%.

Credit One Bank® Cash Back Rewards Credit Card
Credit Rating Needed:
Good
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Who it's good for:

People looking for a simple cash back card.

Key benefits:

The Credit One Bank® Cash Back Rewards Credit Card offers qualified applicants a competitive APR and no or low annual fees. Cardholders earm 1% cash back rewards on all purchases. Cardholders also get free online access to Experian, which makes monitoring credit easy.

HSBC Cash Rewards Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

People with good credit who want a cash back card.

Key benefits:

The HSBC Cash Rewards Mastercard® credit card offers super compeititve APR rates for qualified applicants along with no annual fee. The Unlimited 1.5% cash reward on all purchases outpaces most cash back cards available. Plus, the card offers an introductory 3% cash back on all purchases for the first year. If that's not enough, cardholders also get a 10% Anniversary Bonus on all Cash Rewards earned once each year. A very good option for a cash back card.

U.S. Bank Cash+™ Visa Signature® Card
Credit Rating Needed:
Good,Excellent
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Who it's good for:

The U.S. Bank Cash+™ Visa Signature® Card is perfect for the person who can appreciate generous cash-back opportunities, including an impressive sign-up bonus. It's also good for stopping the clock on interest on an existing credit card balance.

Key benefits:

A new cardholder can receive a $150 bonus after spending $500 on eligible purchases during the first 90 days. The card earns 5% cash back on the first $2,000 of eligible purchases each quarter on the combined two categories of the cardholder's choosing. It earns 2% cash back in one everyday category --- like gas stations or grocery stores --- picked by the cardholder. Other purchases earn 1% cash back.

The card has a $0* annual fee and a 0% introductory APR on balance transfers for 12 billing cycles. After that, a variable rate kicks in, currently 16.24% - 25.74%*.

USAA® Cashback Rewards Plus American Express® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

Military service members and their families.

Key benefits:

The USAA® Cashback Rewards Plus American Express® Card offers exceptional benefits to active and former service members, including 4% APR on all balances for up to 12 months during deployment or PCS. Otherwise, cardholders earn a competitive 5% cash back on gas and military base purchases (up to $3000 annually), 2% on groceries (up to $3000 annually), and unlimited 1% cash back on all other purchases. A great option for people who qualify.

Wells Fargo Cash Wise Visa® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Wells Fargo Cash Wise Visa® Card is a great cashback card for folks who use Apple Pay® or Google Pay™.

Key Benefits:

No annual fee, 0% into APR just scratch the surface. Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months. Cardholders earn an additional 1.8% cashback, for the first 12 months, on top of 1.5%, for using Apple Pay® or Google Pay™.

 Best Business Cards

Ink Business Preferred℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

Businesses with a range of expenses, looking for the best overall travel flexibility. Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening., for a total of $1,000 towards travel.

Key benefits:

The Chase Ink Business Preferred℠ Credit Card is a great option for businesses who want flexible benefits from their credit card. Cardholders get 3 points for travel and select business categories up to $150,000, and 1 point for all other purchases with no limit. Points can be redeemed for cash back, gift cards, travel (with a 25% point boost for travel booked through Chase Ultimate rewards), and more, which is perfect for the business that wants flexibility in points redemption.

United℠ Explorer Business Card
Credit Rating Needed:
Excellent/Good
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Who is it good for:

This card is very attractive for businesses that fly exclusively using United.

Key benefits:

With no annual fee for the first year, and free employee cards, United℠ Explorer Business Card is excellent for new businesses and startups especially. Priority boarding for the cardholder and trip companions is a nice touch.

Capital One® Spark® Classic for Business
Credit Rating Needed:
Average, Fair, Limited
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Who it's good for:

The no annual fee Capital One® Spark® Classic for Business is a great no-frills business credit card, perfect for the small business looking to earn cash back on all purchases.

Key benefits:

Cardholders will enjoy business benefits including supplementary employee cards at no extra cost and dedicated small business customer service.

There are no foreign transaction fees.

Costco Anywhere Visa® Business Card by Citi
Credit Rating Needed:
Excellent
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Who's it good for:

The Costco Anywhere Visa® Business Card by Citi provides significant advantages to businesses that use Costco as part of their everday operations.

Key benefits:

This card provides businesses with significant cashback, that they can use against their everyday expenditure. And with an existing Costco membership, there's no annual fee.

Southwest Rapid Rewards® Premier Business Credit Card
Credit Rating Needed:
Excellent, Good
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Who's it good for:

The Southwest Rapid Rewards® Premier Business Credit Card rewards are best reaped by businesses that fly exclusively with Southwest Airlines.

Key benefits:

Earn 60,000 points with this card if you spend $3,000 in the first three months your account is open. Look forward to a network of hotels that earn points, and earn additional points off of each free employee card.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is great for cardholders who fly regularly with American Airlines.

Key benefits:

Earn up to 60,000 American Airlines AAdvantage® bonus miles: 50,000 AAdvantage® miles after making $3,000 in purchases in the first 3 months and 10,000 after making a total of $10,000 in purchases in first 12 months of account opening.

Cardholders will also enjoy preferred boarding and their first checked bag free on domestic American Airlines flights. Other benefits include 25% off in-flight WiFi and no foreign transaction fees.

The Business Platinum® Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The The Business Platinum® Card from American Express is great for the road warrior who is ready to earn some serious points and can appreciate a good workspace away from the office.

Key benefits:

Welcome Offer: Earn up to 75,000 Membership Rewards® points. Then, earn 50,000 Membership Rewards® points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 all on qualifying purchases within the first 3 months of card membership. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

Use Membership Rewards® Pay with Points for all or part of a flight aboard a selected qualifying airline, and get 35% of the points back. Plus, the card offers one year of Platinum Global Access from WeWork at its more than 300 co-working sites in 75+ cities.

Ink Business Unlimited℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Unlimited℠ Credit Card is an excellent no-frills small business credit card, especially for small business-owners looking to consolidate their credit card debts.

Key benefits:

The card boasts a $0 annual fee and a 0% Intro APR on Purchases for 12 months.

Employee cards can be issued at no additional cost.

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. Cardholders will also earn unlimited 1.5% cash back on every purchase.

Capital One® Spark® Miles Select for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Miles Select for Business is an excellent no-frills card for small business owners who travel occasionally for business.

Key benefits:

Cardholders earn 1.5 miles per $1 on every purchase, miles won't expire for the life of the account, and there's no limit to the amount of miles a cardholder can earn.

Fly on any airline, anytime, with no blackout dates or seat restrictions.

Ink Business Cash℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Cash℠ Credit Card is a fantastic rewards card for the business owner who's looking for a good company card that will provide solid savings on a full range of business expenses.

Key benefits:

Earn $500 bonus cash back after spending $3,000 on purchases in the first 3 months from account opening. Then, earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each year. Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants. Other purchases earn 1% cash back.

The card has a $0 annual fee and a 0% introductory APR for 12 months on purchases. The cardholder can get employee cards at no additional cost.

The Hilton Honors American Express Business Card
Credit Rating Needed:
Good, Excellent
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Who's it good for:

The The Hilton Honors American Express Business Card compliments businesses that travel a lot, prefer Hilton properties, and are enrolled in the Hilton Honors program.

Key benefits:

This card racks up points fast.

Earn 125,000 Hilton Honors Bonus Points, on top of 12X points at Hilton hotels and resorts, 6X on business and travel expenses, and 3X points everywhere else.

Top that up with 10 free airport lounge visits a year. Get access to over 1,000 lounges located in more than 120 countries!

Capital One® Spark® Cash Select for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Cash Select for Business is great for the business owner who could appreciate a credit card with the potential to return generous cash back to the company.

Key benefits:

The card offers unlimited 1.5% cash back, which could mean thousands of dollars each year going back into the business. It also has a one-time $200 Cash Back bonus once $3,000 has been spent on purchases within 3 months from when the account was opened.

Get employee cards at no additional cost, and earn rewards from their business spend. The card has a $0 annual fee and a 0% intro APR on purchases for 9 months.

The Plum Card® from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Plum Card® from American Express is a great option for small-business owners looking to increase their spending limit over time as their business grows.

Key benefits:

Cardholders who pay early get a 1.5% discount, with no cap on what they can earn back. The card offers a $0 introductory annual fee your first year, then $250..

Capital One® Spark® Miles for Business
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

Small businesses whose employees travel regularly.

Key benefits:

Because the Capital One® Spark® Miles for Business isn't tied to just one airline, miles can be applied to any airline, any time, with no blackout dates, and miles have no expiration and no limit. Earn 2 miles per $1 purchase, and a one-time bonus of 50,000 miles after the first $4500 spend in the first 3 months. With a low annual fee, and no annual fee for the first year, this is a low-cost option for a small business card.

Business Green Rewards Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it’s good for:

Businesses interested in flexible point rewards.

Key benefits:

The Business Green Rewards Card from American Express is a great option for businesses looking for a low annual fee. Cardholders recieve points for eligible purchases and double points for purchases through the American Express Travel website. Also, earn 5000 points after the first purchase on the card.

Capital One® Spark® Cash for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Cash for Business is great for small-business owners looking for an above-average cash back bonus on every purchase.

Key benefits:

The card offers a $0 introductory annual fee, with a low $95 annual fee after that.

Cardholders will earn an incredible 2% cash back on every purchase, and a one-time $500 cash bonus after spending $4,500 on purchases within 3 months from account opening.

Marriott Bonvoy Business™ American Express® Card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Marriott Bonvoy Business™ American Express® Card is good for small-business owners who are frequent travelers and stay at Marriott hotels.

Key Benefits:

Cardholders receive 1 Free Night Award every year on their account anniversary, and an additional Free Night Award upon spending $60,000 on the card during a calendar year.

Cardholders will earn 6x points at participating Marriott Bonvoy hotels, 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

The Blue Business℠ Plus Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Blue Business℠ Plus Credit Card from American Express is a solid choice for the entrepreneur who's looking for a card with flexibility, low costs and opportunities to earn extra rewards on everyday business purchases.

Key benefits:

Earn 2X Membership Rewards® points on office supplies, client dinners and other typical business spending, up to $50,000 in those purchases each year. Then, earn 1 point for every dollar spent. The card comes with Expanded Buying Power that allows cardholders to go beyond their credit limit --- and earn more rewards in the process.

A cardholder's ability to exceed the credit limit is determined by his or her payment history, credit record and other factors. No annual fee for this card, which also has a 0% introductory APR on purchases and balance transfers for 15 months.

U.S. Bank Business Platinum
Credit Rating Needed:
Excellent
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Who it's good for:

The U.S. Bank Business Platinum is good for small businesses looking for a no-frills, inexpensive balance transfer card.

Key benefits:

Enjoy 0%* for 20 billing cycles on purchases*, before reverting to the variable APR 12.24%-20.24%*. There's no annual fee, and you get free cards for your employees.

American Express® Business Gold Card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The American Express® Business Gold Card is excellent for businesses running business expenses through their credit cards and expect big rewards.

Key benefits:

With too many rewards to count, the American Express® Business Gold Card offers rewards such as 35,000 points after spending $5,000 on eligible purchases within the first 3 months of card membership and 4x points on the first $150,000 in combined purchases in two select categories each calendar year.

Cardholders will receive a 25% points refund if they book flights through Amex Travel --- up to 250,000 points back per calendar year.

The card comes with a 1 year subscription to ZipRecruiter (a $3,200 value).

SimplyCash® Plus Business Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The SimplyCash® Plus Business Credit Card from American Express is good for small businesses looking for higher-than-average cash back rewards on credit card purchases.

Key benefits:

Within defined boundaries, the Expanded Buying Power features allows cardholders to spend beyond their credit limit. Cash back appears in the form of a monthly statement credit.

Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.

Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases.

 Best Building Credit Cards

Milestone® Unsecured Mastercard®
Credit Rating Needed:
Bad/Poor
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Who it's good for:

People with bad credit who want to rebuild their credit.

Key benefits:

The Milestone® Unsecured Mastercard® is an amazing offer for people struggling with bad credit, including people with previous bankruptcies. The available pre-qualification will not affect an applicant's credit score, which protects applicants from the negative impact of a hard inquiry on their credit. Online account access makes it easy to keep on top of payments and fraud protection will keep cardholder's identity and credit safe.

Indigo® Unsecured Mastercard®
Credit Rating Needed:
Bad/Poor
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Who it's good for:

The Indigo® Unsecured Mastercard® is particularly attractive to cardholders who have gone through bankruptcy and who hold bad credit.

Key benefits:

This unsecured credit card allows you to build your credit back to where it was, and doesn't hold the burden of a secured credit card. Applying for this card does not further impact your credit score, and comes with an APR of 23.90%.

Indigo® Platinum Mastercard®
Credit Rating Needed:
Good/Fair
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Who it's good for:

People with bad credit who want to rebuild their credit.

Key benefits:

The Indigo® Platinum Mastercard® is an unsecured card designed for people with lower credit scores. Available pre-qualification helps applicants avoid hard inquiries on their credit, and upon approval, account history is reported to all thee major credit bureaus regularly -- helping cardholders establish a clean credit history faster. 24/7 online service means it's easier than ever to stay on top of your spending.

Total VISA® Unsecured Credit Card
Credit Rating Needed:
Bad/Fair
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Who it's good for:

The Bank of Missouri Total VISA® Unsecured Credit Card is a good choice for anyone looking for a card that will help them improve their bad credit without having to hand over the deposit required by a secured card.

Key benefits:

The card reports monthly to all three major credit bureaus, so they'll know quickly that a cardholder is using their credit responsibly. It comes with manageable monthly payments and is accepted by all merchants that accept Visa cards.

The fast and easy sign-up process requires an applicant to have a checking account. Once approved, a new cardholder pays a program fee to open the account and access the available credit.

Surge Mastercard® Credit Card
Credit Rating Needed:
Bad/Fair
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Who it's good for:

People with bad or no credit.

Key benefits:

The Celtic Bank Surge Mastercard® Credit Card is available to people with all kinds of credit histories, so it's a great option for people with a spotty credit history. The low initial credit limit is helpful for people who are learning to rein in their spending, and monthly reporting to all three major credit bureaus means cardholders will build their credit faster. Online account access gives cardholders an easy avenue to pay their bill and monitor their spending.

Milestone® Gold Mastercard®
Credit Rating Needed:
Good/Fair
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Who it's good for:

The Milestone® Gold Mastercard® is good for consumers with a low credit score who are looking for a basic credit card to help them build their credit. The Milestone® Gold Mastercard® is an excellent option for applicants who have previously declared bankruptcy.

Key benefits:

Cardholders can choose their custom card design, for no added cost.

There's no impact to a cardholder's credit score if they choose to submit to a quick, pre-qualification check.

Merrick Bank Double Your Line™ Visa® Credit Card
Credit Rating Needed:
Bad
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Who it's good for:

The Merrick Bank Double Your Line™ Visa® Credit Card is good for consumers with bad credit who are looking for a basic credit card to help them build their credit.

Key benefits:

Cardholders may "Double Your Line" by making minimum payments on time each month for the first 7 months after the account is opened.

There's no impact to a cardholder's credit score if they choose to submit to a quick, pre-qualification check.

First Access VISA® Solid Black Credit Card
Credit Rating Needed:
Fair/Bad
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Who it's good for:

The Bank of Missouri First Access VISA® Solid Black Credit Card is great for a person who's seeking a simple solution to bad credit. This unsecured card offers a $300 credit limit that can help an applicant get to work on raising a less-than-stellar credit score.

Key benefits:

Perfect credit is not required for approval. In fact, the card says it will approve applicants when others won't. Once approved, a new account holder pays a program fee to access the $300 credit limit. The card reports monthly to all three major credit reporting agencies, so credit reports can more quickly reflect when a cardholder is using the credit responsibly.

Acceptance can come in as little as 60 seconds following completion of the online application. The card can be received more quickly with optional expedited processing, for an additional fee.

Horizon Gold Card
Credit Rating Needed:
Bad, Limited/No Credit
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Who it's good for:

To be honest, we're not sure.

Key benefits:

The Horizon Gold Card is a bit of an enigma. It can only be used on the Horizon Outlet online shopping mall, and it requires a $500 deposit to secure a $500 credit limit. It essentially functions as a gift card. We do not recommend this card.

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HSBC Gold Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The HSBC Gold Mastercard® credit card is good for cardholders interested in transferring a balance. With no annual fee, and 0% introductory APR on purchases and balance transfers, cardholders can rest easy.

Key benefits:

The card waives late fees, which is especially great for a balance transfer card. HSBC Gold Mastercard® credit card doesn't have foreign transaction fees, and although it has a variable APR between 14.24%, 20.24%, 25.24%, there's no penalty APR.

Citi Simplicity® Card - No Late Fees Ever
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi Simplicity® Card is good for consumers with no to low credit, who are looking to build their credit score with a basic credit card.

Key benefits:

The Citi Simplicity® Card boasts that it's the only card with no late fees, no penalty rate and no annual fee...ever.

It offers a 0% introductory APR on balance transfers for 21 months from the date of first transfer.

Cardholders can set up their own bill payment schedule on any available due date throughout the month.

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Wells Fargo Platinum Visa card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with good credit who want a low annual fee and low APR.

Key benefits:

The Wells Fargo Platinum Visa® Card is offering a 0% Intro APR for 18 months on purchases and balance transfers (fees apply), which is a great introductory opportunity. Additional benefits include cell phone damage or theft coverage for cardholders that pay their bill with their Wells Fargo Platinum Visa® Card. There's also a few other benefits that make it easy to be financially responsible, including credit score access online and budgeting and money management tools.