DollarGeek Presents:

The Best Credit Cards of January 2021

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

January's Best Card Offers
OVERALL RATING:
(4.8)

Chase Sapphire Preferred® Card

BEST FOR: High rewards rates on travel and dining
Geek Approved

Chase Sapphire Preferred® Card

OVERALL RATING:
(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)
Compare Card Apply Now on Chase's website
Credit Score Range
690
850
Annual Fee
$95
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
60,000 points
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 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Geeky Insight:
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OVERALL RATING:
(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

OVERALL RATING:
(4.1)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    100% - 100% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$595
Purcahse Intro APR
N/A
Regular APR
100% - 100%
Rewards Rate
1 - 5 points / $1
Rewards Bonus
75,000 points
Reward Details:
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Terms Apply.
Geeky Insight:
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • 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.
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OVERALL RATING:
(4.7)

Chase Sapphire Reserve®

BEST FOR: High rewards + annual travel credits + access to airport lounges worldwide
Geek Approved

Chase Sapphire Reserve®

OVERALL RATING:
(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)
Compare Card Apply Now on Chase's website
Credit Score Range
720-850
Annual Fee
$550
Purcahse Intro APR
N/A
Regular APR
16.99% - 23.99%
Rewards Rate
1 - 3 points / $1
Rewards Bonus
50,000 points
Reward Details:
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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, 50,000 points are worth $750 toward travel
Geeky Insight:
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OVERALL RATING:
(4.6)

American Express® Gold Card

BEST FOR: Dining and travel points

American Express® Gold Card

OVERALL RATING:
(4.6)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    100% - 100% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$250
Purcahse Intro APR
N/A
Regular APR
100% - 100%
Rewards Rate
1 - 4 points / $1
Rewards Bonus
35,000 points
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.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • 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 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Terms Apply.
Geeky Insight:
  • 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.
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Best for Balance Transfer
OVERALL RATING:
(4.5)

Citi® Diamond Preferred® Card

BEST FOR: One of the lengthiest 0% balance transfer durations

Citi® Diamond Preferred® Card

OVERALL RATING:
(4.5)
  • Purchase Intro APR:
    0% for 18 months
  • Transfer Intro APR:
    0% for 18 months | Transfer Fee: 3% (min $5)
  • Regular APR:
    13.74% - 23.74% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.74% - 23.74%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.6)

Citi® Double Cash Card 18 month BT offer

BEST FOR: Flat rate cash back

Citi® Double Cash Card 18 month BT offer

OVERALL RATING:
(4.6)
  • Purchase Intro APR:
    0% for 18 months
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    13.99% - 23.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.99% - 23.99%
Rewards Rate
2% Cash Back
Rewards Bonus
None
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.
  • To earn cash back, pay at least the minimum due on time.
Geeky Insight:
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.3)

Citi Rewards+℠ Card

BEST FOR: No annual fee + cash back rewards

Citi Rewards+℠ Card

OVERALL RATING:
(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)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
13.49% - 23.49%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
15,000 points
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.
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OVERALL RATING:
(4.7)

Blue Cash Everyday® Card from American Express

BEST FOR: Ongoing rewards in different categories

Blue Cash Everyday® Card from American Express

OVERALL RATING:
(4.7)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    0% for 15 months | Transfer Fee: N/A
  • Regular APR:
    12.99% - 23.99% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
12.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 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%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • No annual fee.
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Best for Travel
OVERALL RATING:
(4.8)

Chase Sapphire Preferred® Card

BEST FOR: High rewards rates on travel and dining
Geek Approved

Chase Sapphire Preferred® Card

OVERALL RATING:
(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)
Compare Card Apply Now on Chase's website
Credit Score Range
690
850
Annual Fee
$95
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
60,000 points
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 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Geeky Insight:
+ SHOW MORE DETAILS
OVERALL RATING:
(4.4)

Discover it® Miles

Discover it® Miles

OVERALL RATING:
(4.4)
  • Purchase Intro APR:
    10.99% for 14 months
  • Transfer Intro APR:
    0% for 14 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)
Compare Card Apply Now on Discover Bank's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
10.99% for 14 months
Regular APR
11.99% - 22.99%
Rewards Rate
1.5 miles / $1
Rewards Bonus
None
Reward Details:
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
Geeky Insight:
  • 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 your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
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Best for Cash Back
OVERALL RATING:
(5)

Discover it® Cash Back

BEST FOR: Cash back rates

Discover it® Cash Back

OVERALL RATING:
(5)
  • Purchase Intro APR:
    0% for 14 months
  • Transfer Intro APR:
    0% for 14 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)
Compare Card Apply Now on Discover Bank's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
0% for 14 months
Regular APR
11.99% - 22.99%
Rewards Rate
1 - 5% Cash Back
Rewards Bonus
None
Reward Details:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
Geeky Insight:
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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OVERALL RATING:
(4.9)

Costco Anywhere Visa® Card by Citi

BEST FOR: All around cash back rewards + Costco perks

Costco Anywhere Visa® Card by Citi

OVERALL RATING:
(4.9)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    15.24% - 15.24% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.24% - 15.24%
Rewards Rate
1 - 4% Cash Back
Rewards Bonus
None
Reward Details:
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas 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
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.6)

Citi® Double Cash Card 18 month BT offer

BEST FOR: Flat rate cash back

Citi® Double Cash Card 18 month BT offer

OVERALL RATING:
(4.6)
  • Purchase Intro APR:
    0% for 18 months
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    13.99% - 23.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.99% - 23.99%
Rewards Rate
2% Cash Back
Rewards Bonus
None
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.
  • To earn cash back, pay at least the minimum due on time.
Geeky Insight:
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.7)

Blue Cash Everyday® Card from American Express

BEST FOR: Ongoing rewards in different categories

Blue Cash Everyday® Card from American Express

OVERALL RATING:
(4.7)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    0% for 15 months | Transfer Fee: N/A
  • Regular APR:
    12.99% - 23.99% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
12.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 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%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • No annual fee.
+ SHOW MORE DETAILS
Best for Business
OVERALL RATING:
(4.2)

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

OVERALL RATING:
(4.2)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    15.74% - 24.74% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.74% - 24.74%
Rewards Rate
1 - 2 miles / $1
Rewards Bonus
40,000 miles
Reward Details:
  • Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months.
  • Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • 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 on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
  • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
  • 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.
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OVERALL RATING:
(4.7)

Discover it® Business Card

BEST FOR: No annual fee + unlimited cash back rewards​

Discover it® Business Card

OVERALL RATING:
(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)
Compare Card Apply Now on Discover Bank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
12.99% - 20.99%
Rewards Rate
1.5% Cash Back
Rewards Bonus
None
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.
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OVERALL RATING:
(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

OVERALL RATING:
(4.1)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    100% - 100% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$595
Purcahse Intro APR
N/A
Regular APR
100% - 100%
Rewards Rate
1 - 5 points / $1
Rewards Bonus
75,000 points
Reward Details:
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Terms Apply.
Geeky Insight:
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • 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.
+ SHOW MORE DETAILS
OVERALL RATING:
(4)

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

OVERALL RATING:
(4)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    15.74% - 24.74% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$250
Purcahse Intro APR
N/A
Regular APR
15.74% - 24.74%
Rewards Rate
1 - 3 miles / $1
Rewards Bonus
45,000 miles
Reward Details:
  • Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Plus, earn a $100 Statement Credit after your first Delta purchase on your new Card in the first 3 months.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
  • Get closer to status with Status Boost™. Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
  • Terms and limitations apply.
Geeky Insight:
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Best for Students
OVERALL RATING:
(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

OVERALL RATING:
(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)
Compare Card Apply Now on Bank of America's website
Credit Score Range
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
13.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$200
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.
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OVERALL RATING:
(4.9)

Deserve® EDU Mastercard for Students

BEST FOR: International students + no foreign transaction fees

Deserve® EDU Mastercard for Students

OVERALL RATING:
(4.9)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    18.74% - 18.74% (Variable Rate)
Compare Card Apply Now on Deserve's website
Credit Score Range
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
18.74% - 18.74%
Rewards Rate
1% Cash Back
Rewards Bonus
None
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®.
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