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Best For : Business

Test Premium Credit Cards

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 1000.00

REWARDS RATE

14.74% - 24.74%

INTRO OFFER

Cashback Match

RECOMMENDED CREDIT SCORE

772-929

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Best For : EASY-REDEEM TRAVEL REWARDS AND A BONUS

Chase Sapphire Preferred® Card

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 95

REWARDS RATE

1x-2x

INTRO OFFER

60,000

RECOMMENDED CREDIT SCORE

890-850

Pros

  • A large bonus
  • No foreign transaction fee
  • Cool factor – metal card
  • Earn more points on travel and dining at restaurants
  • Premium travel protection benefits

Cons

  • $95 annual fee
  • 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

Best For : 2X MILES ON ALL PURCHASES AND A BONUS

Capital One® Venture® Rewards Credit Card

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 50

REWARDS RATE

2x-10x

INTRO OFFER

50,000

RECOMMENDED CREDIT SCORE

600-850

Pros

  • High rewards rate
  • Flexible rewards redemption
  • No foreign transaction fee
  • Sign-up bonus

Cons

  • Has annual fee
  • Redemption value for cash is half of value for travel
  • Requires good/excellent credit
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card’ by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • See if you qualify for a better offer with Capital One:

Best For : FLAT RATE + NO MINIMUM REDEMPTION

Capital One® Quicksilver® Cash Rewards Credit Card

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 0

REWARDS RATE

1.5%

INTRO OFFER

$150

RECOMMENDED CREDIT SCORE

550-1000

Pros

  • High rewards rate and no minimum redemption
  • No annual fee or foreign transaction fee
  • Intro APR period on Purchases and Balance Transfers
  • Sign-up bonus

Cons

  • Other cards have longer 0% periods
  • No bonus rewards categories
  • Requires good/excellent credit
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • See if you qualify for a better offer with Capital One:

Best For : CASH BACK AT U.S. SUPERMARKETS AND U.S. GAS STATIONS

Blue Cash Preferred® Card from American Express

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 95

REWARDS RATE

1%-6%

INTRO OFFER

$250

RECOMMENDED CREDIT SCORE

690-850

Pros

  • Leading cash-back rewards at U.S. supermarkets
  • Bonus offer for new cardholders
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • $25 minimum redemption
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
  • View Rates and Fees

Best For : 5% BACK ON ROTATING CATEGORIES

Chase Freedom®

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 0

REWARDS RATE

1%-5%

INTRO OFFER

$150

RECOMMENDED CREDIT SCORE

690-850

Pros

  • No annual fee
  • 5% rewards on rotating categories
  • Access to Chase’s Ultimate Rewards site to earn more cash back

Cons

  • If you value simplicity, a flat rate cash back card may be better
  • A foreign transaction fee
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74 – 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠

Best For : A FIRST-YEAR CASH BACK MATCH FOR NEW CARDMEMBERS

Discover it® Cash Back

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 0

REWARDS RATE

1%-5%

INTRO OFFER

Cashback Match™

RECOMMENDED CREDIT SCORE

800-937

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

 

  • 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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees

Best For : PURCHASES/TRANSFERS AND LATE-FEE WAIVER

HSBC Gold Mastercard® credit card

3.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 0

REWARDS RATE

12.74% - 20.74%

INTRO OFFER

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

RECOMMENDED CREDIT SCORE

400-600

Pros

  • No annual fee
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.74% – 20.74% will apply
  • No foreign transaction fee

Cons

  • No rewards
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.74% – 20.74% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees

Best For : PURCHASES AND TRANSFERS FOR GOOD CREDIT

BankAmericard® credit card

4.5

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 55

REWARDS RATE

14.74% - 24.74%

INTRO OFFER

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

RECOMMENDED CREDIT SCORE

670-956

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Best For : Long-Term Value

Discover it® Balance Transfer

86

NerdWallet rating ? NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

ANNUAL FEE

$ 822

REWARDS RATE

13.49% - 24.49%

INTRO OFFER

0%

RECOMMENDED CREDIT SCORE

816-1000

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee
  • Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue
  • 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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • 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.
  • No annual fee.
  • View Rates and Fees