Geeky Insights:

The Best Credit Cards - June 2020

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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.

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Month of June's Best Offers

Best Offers For June 2020

Best for: Travel benefits + dining perks

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Overall Rating:
(4.8/5)
Geeky Insight:
  • 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
Overall Rating
(4.8)
Credit Range
Excellent - Good
Annual Fee
$0
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 & 1 point per dollar spent on all other purchases.
  • 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
  • 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 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Geeky Insight:
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Best for: Business travelers

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Overall Rating:
(4.1/5)
Geeky Insight:
  • 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
Overall Rating
(4.1)
Credit Range
Excellent - Good
Annual Fee
$0
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.
  • 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.
  • 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.
  • Terms Apply
Geeky Insight:
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Best for: travel perks

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Overall Rating:
(4.4/5)
Geeky Insight:
  • 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
Overall Rating
(4.4)
Credit Range
Excellent
Annual Fee
$0
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 & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • 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
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Geeky Insight:
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
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Best for: dining and groceries

American Express® Gold Card

American Express® Gold Card

Overall Rating:
(4.6/5)
Geeky Insight:
  • 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
Overall Rating
(4.6)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
100% - 100%
Rewards Rate
1 - 4 points / $1
Rewards Bonus
35,000 points
Reward Details:
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • 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.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Terms Apply.
Geeky Insight:
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
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Balance Transfer

Best for: long duration paying 0% apr on balance transfers

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Overall Rating:
(4.2/5)
Geeky Insight:
  • 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)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.2)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 21 months
Regular APR
13.74% - 23.74%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • 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.
  • 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 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Best for: balance transfers and cash back

Citi® Double Cash Card 18 month BT offer

Citi® Double Cash Card 18 month BT offer

Overall Rating:
(4.6/5)
Geeky Insight:
  • 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
Overall Rating
(4.6)
Credit Range
Excellent
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 cash back twice. 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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Best for: gas stations and rewards bonus

Citi Rewards+℠ Card

Citi Rewards+℠ Card

Overall Rating:
(4.3/5)
Geeky Insight:
  • 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
Overall Rating
(4.3)
Credit Range
Excellent
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 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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Best for: Supermarket cash back

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Overall Rating:
(4.7/5)
Geeky Insight:
  • 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)
Compare Card Apply Now on American Express's website
Overall Rating
(4.7)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
12.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 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% back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • No annual fee.
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TRAVEL

Best for: Traveling abroad

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Overall Rating:
(4.8/5)
Geeky Insight:
  • 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
Overall Rating
(4.8)
Credit Range
Excellent - Good
Annual Fee
$0
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 & 1 point per dollar spent on all other purchases.
  • 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
  • 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 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Geeky Insight:
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Best for: Cash Back On TRIPS

Discover it® Miles

Discover it® Miles

Overall Rating:
(4.4/5)
Geeky Insight:
  • 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
Overall Rating
(4.4)
Credit Range
Excellent - Good
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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CASH BACK

Best for: Cash Back On TRIPS

Discover it® Cash Back

Discover it® Cash Back

Overall Rating:
(5.0/5)
Geeky Insight:
  • 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
Overall Rating
(5.0)
Credit Range
Excellent - Good
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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Best for: Cash Back On TRIPS

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Overall Rating:
(4.9/5)
Geeky Insight:
  • 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
Overall Rating
(4.9)
Credit Range
Excellent
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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Best for: Cash Back On TRIPS

Citi® Double Cash Card 18 month BT offer

Citi® Double Cash Card 18 month BT offer

Overall Rating:
(4.6/5)
Geeky Insight:
  • 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
Overall Rating
(4.6)
Credit Range
Excellent
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 cash back twice. 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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Best for: Cash Back On TRIPS

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Overall Rating:
(4.7/5)
Geeky Insight:
  • 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)
Compare Card Apply Now on American Express's website
Overall Rating
(4.7)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
12.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 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% back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • No annual fee.
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BUSINESS

Best for: Delta Flyers

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

Overall Rating:
(4.2/5)
Geeky Insight:
  • 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
Overall Rating
(4.2)
Credit Range
Excellent - Good
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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Best for: Unlimited Cash Back

Discover it® Business Card

Discover it® Business Card

Overall Rating:
(4.7/5)
Geeky Insight:
  • 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
Overall Rating
(4.7)
Credit Range
Excellent
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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Best for: Traveling perks

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Overall Rating:
(4.1/5)
Geeky Insight:
  • 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
Overall Rating
(4.1)
Credit Range
Excellent - Good
Annual Fee
$0
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.
  • 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.
  • 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.
  • Terms Apply
Geeky Insight:
+ SHOW MORE DETAILS

Best for: Cash Back On TRIPS

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Overall Rating:
(4.0/5)
Geeky Insight:
  • 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
Overall Rating
(4.0)
Credit Range
Excellent - Good
Annual Fee
$0
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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STUDENTS

Best for: Cash Back On TRIPS

Bank of America® Cash Rewards Credit Card for Students

Bank of America® Cash Rewards Credit Card for Students

Overall Rating:
(4.7/5)
Geeky Insight:
  • 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
Overall Rating
(4.7)
Credit Range
Fair - Limited History
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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Best for: Cash Back On TRIPS

Deserve® EDU Mastercard for Students

Deserve® EDU Mastercard for Students

Overall Rating:
(4.9/5)
Geeky Insight:
  • 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
Overall Rating
(4.9)
Credit Range
Limited History
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 your first purchase with your new Deserve EDU Mastercard (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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Best for: Cash Back On TRIPS

HSBC Cash Rewards Mastercard® credit card Student Account

HSBC Cash Rewards Mastercard® credit card Student Account

Overall Rating:
(4.5/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: 4% (min $10)
  • Regular APR: 12.99% - 22.99% (Variable Rate)
Compare Card Apply Now on HSBC's website
Overall Rating
(4.5)
Credit Range
Fair - Limited History
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
12.99% - 22.99%
Rewards Rate
1.5% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn 1.5% Cash Back on all your purchases.
  • Get a 10% discount with onefinestay when you book one of the more than 10,000 high-end rental properties in cities like New York, Los Angeles, London, Paris and more.
  • Get $5 off on Postmates orders $25 or more for delivery of food, drinks and groceries (not including taxes, delivery fees, and tips).
Geeky Insight:
  • Mastercard Travel & Lifestyle Services™.
  • Complimentary ShopRunner membership.
  • Priceless Cities Offers and Experiences.
  • Mastercard ID Theft Protection™ & Cellular Wireless Telephone Protection.
  • Telephone Protection provides reimbursements up to $600 per claim if your cellphone is stolen or damaged.
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OTHER GEEKY PICKS

Citi Simplicity® Card - No Late Fees Ever

Geek Pick For: Longest 0% period for transfers + no late fees

The Citi Simplicity® Card – No Late Fees Ever has one of the longest available introductory 0% APR periods for balance transfers, and a decent one for purchases as well. It doesn’t charge an annual fee, late fees or penalty APRs either. Read more here.

The Plum Card® from American Express

Geek Pick For: Longest 0% period for transfers + no late fees

The Plum Card® from American Express is a unique business credit card in several respects. For starters, Amex Plum is a charge card but not one that forces you to pay your bill in full every month. As long as cardholders pay the minimum due on time, they get extra days to bring their balance to zero without having to pay any interest. The American Express Plum card also is unique in that it rewards cardholders for paying off their balances early, rather than for making purchases. 

Geeky Wallet

For the Millennial online shopper

The Citi Simplicity® Card – No Late Fees Ever has one of the longest available introductory 0% APR periods for balance transfers, and a decent one for purchases as well. It doesn’t charge an annual fee, late fees or penalty APRs either. Read more here.

Geeky Wallet

For the corporate traveler

The Citi Simplicity® Card – No Late Fees Ever has one of the longest available introductory 0% APR periods for balance transfers, and a decent one for purchases as well. It doesn’t charge an annual fee, late fees or penalty APRs either. Read more here.