DollarGeek Presents:
The Best Credit Cards of March 2023
DollarGeek's goal is to help you make the best financial decisions. To help us do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations or ratings.
DollarGeek’s team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.
Select A Specific Category
March's Best Card Offers
(4.8)
Chase Sapphire Preferred® Card
BEST FOR: High rewards rates on travel and diningGeek Approved
Chase Sapphire Preferred® Card
(4.8)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater. - Regular APR:
15.99% - 22.99% (Variable Rate)
Reward Details:
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Geeky Insight:
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
(4.1)
The Business Platinum Card® from American Express
BEST FOR: Travelers that spend and want luxury perks
The Business Platinum Card® from American Express
(4.1)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
100% - 100% (Variable Rate)
Reward Details:
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- Terms Apply.
Geeky Insight:
- $695 Annual Fee.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
(4.7)
Chase Sapphire Reserve®
BEST FOR: High rewards + annual travel credits + access to airport lounges worldwideGeek Approved
Chase Sapphire Reserve®
(4.7)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater. - Regular APR:
16.99% - 23.99% (Variable Rate)
Reward Details:
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Geeky Insight:
(4.6)
American Express® Gold Card
BEST FOR: Dining and travel points
American Express® Gold Card
(4.6)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
100% - 100% (Variable Rate)
Reward Details:
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Terms Apply.
Geeky Insight:
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
Best for Balance Transfer
(4.5)
Citi® Diamond Preferred® Card
BEST FOR: One of the lengthiest 0% balance transfer durations
Citi® Diamond Preferred® Card
(4.5)
- Purchase Intro APR:
0% for 21 months - Transfer Intro APR:
0% for 12 months | Transfer Fee: 5% (min $5) - Regular APR:
13.74% - 23.74% (Variable Rate)
Geeky Insight:
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.74% - 26.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
(4.6)
Citi® Double Cash Card 18 month BT offer
BEST FOR: Flat rate cash back
Citi® Double Cash Card 18 month BT offer
(4.6)
- Purchase Intro APR:
0% for 18 months - Transfer Intro APR:
N/A | Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer - Regular APR:
13.99% - 23.99% (Variable Rate)
Reward Details:
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Geeky Insight:
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
(4.3)
Citi Rewards+℠ Card
BEST FOR: No annual fee + cash back rewards
Citi Rewards+℠ Card
(4.3)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% (min $5) - Regular APR:
13.49% - 23.49% (Variable Rate)
Reward Details:
- The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Geeky Insight:
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
(4.7)
Blue Cash Everyday® Card from American Express
BEST FOR: Ongoing rewards in different categories
Blue Cash Everyday® Card from American Express
(4.7)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% (min $5) - Regular APR:
12.99% - 23.99% (Variable Rate)
Reward Details:
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Geeky Insight:
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
Best for Travel
(4.8)
Chase Sapphire Preferred® Card
BEST FOR: High rewards rates on travel and diningGeek Approved
Chase Sapphire Preferred® Card
(4.8)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater. - Regular APR:
15.99% - 22.99% (Variable Rate)
Reward Details:
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Geeky Insight:
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
(4.4)
Discover it® Miles
Discover it® Miles
(4.4)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* - Regular APR:
11.99% - 22.99% (Variable Rate)
Reward Details:
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
Geeky Insight:
- 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR will apply.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "Apply Now" to see terms and conditions.
Best for Cash Back
(5)
Discover it® Cash Back
BEST FOR: Cash back rates
Discover it® Cash Back
(5)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* - Regular APR:
11.99% - 22.99% (Variable Rate)
Reward Details:
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Every $1 you earn in cash back is $1 you can redeem.
Geeky Insight:
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
(4.9)
Costco Anywhere Visa® Card by Citi
BEST FOR: All around cash back rewards + Costco perks
Costco Anywhere Visa® Card by Citi
(4.9)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: 5% (min $5) - Regular APR:
15.24% - 15.24% (Variable Rate)
Reward Details:
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Geeky Insight:
- *No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
(4.6)
Citi® Double Cash Card 18 month BT offer
BEST FOR: Flat rate cash back
Citi® Double Cash Card 18 month BT offer
(4.6)
- Purchase Intro APR:
0% for 18 months - Transfer Intro APR:
N/A | Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer - Regular APR:
13.99% - 23.99% (Variable Rate)
Reward Details:
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Geeky Insight:
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
(4.7)
Blue Cash Everyday® Card from American Express
BEST FOR: Ongoing rewards in different categories
Blue Cash Everyday® Card from American Express
(4.7)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% (min $5) - Regular APR:
12.99% - 23.99% (Variable Rate)
Reward Details:
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Geeky Insight:
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
Best for Business
(4.2)
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card
(4.2)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
15.74% - 24.74% (Variable Rate)
Reward Details:
- Limited Time Offer: Earn 70,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Terms and limitations apply.
Geeky Insight:
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
(4.7)
Discover it® Business Card
BEST FOR: No annual fee + unlimited cash back rewards
Discover it® Business Card
(4.7)
- Purchase Intro APR:
N/A - Transfer Intro APR:
0% for 12 months | Transfer Fee: 5% - Regular APR:
12.99% - 20.99% (Variable Rate)
Reward Details:
- Earn unlimited 1.5% cash back on every dollar spent on all purchases. Your rewards never expire.
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers.
Geeky Insight:
- Download transactions easily into Quicken, QuickBooks, and Excel.
- Add employee cards with spending limits and earn rewards for all their purchases.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Fraud Protection and Free Social Security Number Alerts.
(4.1)
The Business Platinum Card® from American Express
BEST FOR: Travelers that spend and want luxury perks
The Business Platinum Card® from American Express
(4.1)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
100% - 100% (Variable Rate)
Reward Details:
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- Terms Apply.
Geeky Insight:
- $695 Annual Fee.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
(4)
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
(4)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
15.74% - 24.74% (Variable Rate)
Reward Details:
- Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Geeky Insight:
Best for Students
(4.7)
Bank of America® Cash Rewards Credit Card for Students
BEST FOR: Cash bonus + cash rewards
Bank of America® Cash Rewards Credit Card for Students
(4.7)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% (min $10) - Regular APR:
13.99% - 23.99% (Variable Rate)
Reward Details:
- Online offer: $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. Go to Online Banking or the Mobile Banking app to change your choice category for future purchases, or it stays the same.
Geeky Insight:
- 0% Introductory APR for 15 months on balance transfers made within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
(4.9)
Deserve® EDU Mastercard for Students
BEST FOR: International students + no foreign transaction fees
Deserve® EDU Mastercard for Students
(4.9)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
18.74% - 18.74% (Variable Rate)
Reward Details:
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
Geeky Insight:
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Our Guide To Credit Cards
What Is A Credit Card?
The purpose of a credit card is to allow cardholders to borrow money in order to purchase goods and services at merchants who accept credit cards.
This thin rectangular piece of plastic or metal is issued by a bank or financial services company. It is required for credit cards holders to repay their borrowed money, plus interest and any additional charges agreed upon, either fully or in installments by the billing date.
As an additional option to a standard credit line, credit card issuers may also offer credit card holders a cash line of credit (LOC), which allows them to get cash advances from bank tellers, ATMs, or convenience checks. Cash advances generally come with different terms than purchases that access the main credit line, including no grace period and higher interest rates.
Credit cards remain one of the most popular payment methods. A person’s credit rating determines how much they can borrow.
How Should You Pick The Best Credit Card?
With so many options available today, it can be difficult to choose one. What should you look for in terms of perks and what do annual fees mean?
Credit cards should be chosen based on three different factors:
- Benefits
- Credit card type
- Fees
It is only after reviewing these factors that you will be able to determine which credit card is best for you.
Related: How To Pick The Right Credit Card
List of Major Credit Card Companies
American Express: American Express is a multinational financial services corporation that offers a range of credit cards, including charge cards, credit cards, and prepaid cards.
Bank of America: Bank of America is a leading financial institution that offers a range of credit cards, including cash back cards, travel rewards cards, and balance transfer cards.
Capital One: Capital One is a financial services company that offers a range of credit cards, including cash back cards, travel rewards cards, and balance transfer cards.
Chase: Chase is a national bank that offers a range of credit cards, including cash back cards, travel rewards cards, and balance transfer cards.
Citigroup: Citigroup is a global financial services company that offers a range of credit cards, including cash back cards, travel rewards cards, and balance transfer cards.
Discover: Discover is a financial services company that offers a range of credit cards, including cash back cards, travel rewards cards, and balance transfer cards.
Wells Fargo: Wells Fargo is a financial services company that offers a range of credit cards, including cash back cards, travel rewards cards, and balance transfer cards.
In addition to these major credit card companies, there are also many smaller, regional credit card companies that operate in specific parts of the United States. It is important to shop around and compare the features and benefits of different credit cards to find the one that is right for you.
