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Best Credit Cards of October 2019

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Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

BEST PICK FOR CASH BACK

Citi® Double Cash Card - 18 month BT offer

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 15.74%– 25.74% (Variable)
Apply Now

securely on the issuer's website

The Citi® Double Cash Card - 18 month BT offer (Review) is your best cash back option if you want a card for all-around, general spending. The rewards are the main attraction, but you’ll also get a nice introductory APR for balance transfers before its variable APR kicks in.

  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

You can earn unlimited cash back with this card, though it won’t come all at once. You’ll get the remaining 1% when you pay off your purchases, whether that’s immediately or later on.

It’s fairly simple, but a strong offer nevertheless. A general-use, flat-rate cash back card like this can be paired with a different rewards card that has bonus categories, like the others on this page. You can use that other card whenever you spend in the bonus categories, and pay with the Double Cash for all other purchases.

  • Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
  • ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
  • Free Credit Score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 15.74%– 25.74% (Variable) (for transfers made during the first four months)
  • Annual fee: $0

Chase Freedom Unlimited®

  • 1.5% cash back for all purchases
  • $150 cash bonus for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% Intro APR on Purchases for 15 months, then 16.74-25.49% Variable
  • Annual fee: $0
View card details

Capital One® Quicksilver® Cash Rewards Credit Card

  • 1.5% cash back for all purchases
  • $150 cash bonus for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% intro on purchases for for 15 months, then 15.74% - 25.74% (Variable)
  • No foreign transaction fees
  • Annual fee: $0
View card details

American Express Cash Magnet® Card

  • 1.5% cash back for all purchases
  • $150 cash bonus for spending $1,000 in the first 3 months
  • Purchase and Balance Transfer APR: 0% on purchases for 15 months, then 14.99% - 25.99% Variable (for transfers requested in the first 60 days)
  • Annual fee: $0
View card details

Wells Fargo Cash Wise Visa® card

  • 1.5% cash back for all purchases
  • $150 cash bonus for spending $500 in first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.74%-27.74% Variable (for transfers requested in the first 120 days)
  • Annual fee: $0
View card details

Capital One® Spark® Cash for Business

  • 2% cash back for all purchases
  • $500 cash bonus for spending $4,500 in the first 3 months
  • Annual fee: $0 intro for first year; $95 after that
View card details
2 5
BEST PICK FOR TRAVEL

Capital One® VentureOne® Rewards Credit Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 13.74% - 23.74% (Variable)

The Capital One® VentureOne® Rewards Credit Card (Review) is an excellent no-fee choice for general travel expenses, although hotels are its strong suit.

Check out the runners up below for some options that provide equal rewards for hotels, airlines, and other types of travel.

  • 10X miles per dollar on purchases from Hotels.com/venture (until 01/31/20)
  • 1.25X miles per dollar on all other purchases
  • 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
    • Value: $200–$400 (assuming 1–2 cents per point)
    • Return on spend: 20%–40%

The Venture miles you earn with this card are typically worth 1 cent each, but Capital One recently introduced the ability to transfer your miles to a variety of airline partners.

Transfers could provide 2 cents per mile or more, which would give you a cash back equivalent of 20% at Hotels.com (a very high rate!), and 2.5% everywhere else.

So, although this card’s base rewards are fairly small, it has valuable airline and hotel-related features that some travelers could find very useful.

  • Point transfer: Transfer points to a dozen airline partners at a rate of either 2:1.5 or 2:1, depending on the airline.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Purchase APR: 0% intro on purchases for for 12 months, then 13.74% - 23.74% (Variable)
  • No foreign transaction fees
  • Annual fee: $0

Bank of America® Travel Rewards Credit Card

  • 3X points per dollar at the Bank of America Travel Center
  • 1.5X points per dollar for every other purchase
  • 25,000 bonus points for spending $1,000 in the first 90 days after account opening
  • Purchase APR: 0% for 12 billing cycles, then 17.24%–25.24% Variable
  • No foreign transaction fees
  • Annual fee: $0
View card details

Wells Fargo Propel American Express® card

  • 3X points per dollar on:
    • Dining
    • Gas
    • Travel
    • Streaming services
  • 1X point per dollar for every other purchase
  • 30,000 bonus points for spending $3,000 in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 12 months, then 15.74%-27.74% Variable (for transfers requested within 120 days)
  • No foreign transaction fees
  • Annual fee: $0
View card details

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at Grocery stores and Wholesale clubs
  • $150 cash bonus for spending $500 in the first 3 months
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details

Uber Visa Card

  • 4% cash back on Dining
  • 3% cash back on Hotels and Airfare
  • 2% cash back for Online purchases
  • $100 cash bonus for spending $500 in the first 90 days
  • Annual fee: $0
View card details
2 4
BEST PICK FOR REWARDS

Chase Sapphire Preferred® Card

Our rating
Credit range Good
Details
Annual Fee $95
Regular APR 17.99% - 24.99% Variable

The Chase Sapphire Preferred® Card (Review) is a much-loved travel credit card, popular for its transfer partners and benefits.

There’s a great introductory bonus, and the points you earn can be transferred at a 1:1 rate to a variety of airlines and hotels, giving you the flexibility to redeem with your favorite travel brands.

  • 2X Ultimate Rewards points per dollar spent on:
    • Travel
    • Dining at restaurants
  • 1X Ultimate Rewards point per dollar spent everywhere else
  • 60,000 Ultimate Rewards points for spending $4,000 on purchases in the first 3 months after account opening
    • Value: $600–$1,200 (assuming 1–2 cents per point)
    • Return on spend: 15%–30%

The points you earn are typically worth 1 cent each, but you’ll get a 25% point bonus if you redeem for travel through the Ultimate Rewards portal. That would give you 1.25 cents per point.

But the more valuable way to use your points is to transfer them to a partner loyalty program, where they could be worth as much as 2 cents per point or more. That’d give you a cash back equivalent of 4% on travel and dining, and 2% for everything else.

  • 25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards.
  • Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel programs, like Marriott Bonvoy or United MileagePlus.
  • 10,000-point referral bonus: Get 10,000 points for every friend you refer who applies for the card and is approved.
  • Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late check-out, and unique gifts.
  • Shop through Chase: Earn more points by shopping at participating retailers with the Shop through Chase marketplace.
  • Visa Signature Concierge: Call to speak with your Visa Signature Concierge, any time, day or night.
  • Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
  • Annual fee: $95

Bank of America® Premium Rewards® Credit Card

  • 2X points per dollar on travel and dining
  • 1.5X points per dollar on everything else
  • 50,000 bonus points for spending $3,000 in the first 90 days after account opening
  • $100 Annual Airline Incidental Statement Credit: Good for incidental airline costs, like baggage, seat upgrades, and WiFi (not flight tickets).
  • Global Entry or TSA PreCheck Application Fee Credit: A statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, complimentary breakfast for two, and room upgrades when available.
  • Visa Signature Concierge: Call any time for non-emergency help, like making dining or travel reservations.
  • No foreign transaction fees
  • Annual fee: $95
View card details
BEST PICK FOR BALANCE TRANSFER

Citi Simplicity® Card - No Late Fees Ever

Our rating
Credit range Good
Details
Annual Fee $0*
Regular APR 16.49% - 26.49%* (Variable)
Apply Now

securely on the issuer's website

There’s nothing complicated about the Citi Simplicity® Card - No Late Fees Ever (Review).

It’s all about the balance transfers, with an exceptionally long intro period. New purchases will get a shorter introductory APR period.

  • Balance Transfer APR: 0% for 21 months*, then 16.49% - 26.49%* (Variable)
  • Balance Transfer fee: 5% of each balance transfer; $5 minimum.

This could be the right card if all you want is a long time to pay off some debt, although it does have a transfer fee. Compare this card to others without transfer fees, but with shorter promotional periods, to see which intro APR offer will end up saving you the most money over time.

  • Purchase APR: 0% for 12 months*, then 16.49% - 26.49%* (Variable)
  • Annual fee: $0*

U.S. Bank Visa® Platinum Card

  • Purchase and balance transfer APR: 0% for 18 billing cycles, for transfers made within 60 days, then 14.74%–25.74% Variable
  • Balance transfer fee: 3%, $5 minimum
  • Annual fee: $0
View card details

Citi® Diamond Preferred® Card

  • Purchase and balance transfer APR: 0% for 18 months, for transfers completed within 4 months, then 15.24%–25.24% Variable
  • Balance transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

Citi® Double Cash Card – 18 month BT offer

  • 2% cash back for every purchase
  • Balance transfer APR: 0% for 18 months on Balance Transfers, for transfers completed within 4 months, then 15.74%– 25.74% (Variable)
  • Balance transfer fee: 3% of each balance transfer; $5 minimum.
  • Purchase APR: 15.74%– 25.74% (Variable)
  • Annual fee: $0
View card details

Wells Fargo Platinum Visa card

  • Purchase and balance transfer APR: 0% for 18 months on qualifying balance transfers, for transfers requested within 120 days, then 13.74%-27.24% Variable
  • Balance transfer fee: 3% for 120 days, then 5%
  • Annual fee: $0
View card details
2 4
BEST PICK FOR SIGNUP BONUS

Blue Cash Preferred® Card from American Express

Our rating
Credit range Good
Details
(Rates & Fees)
Annual Fee $95
Regular APR 14.74–25.74% Variable
Apply Now

securely on the issuer's website

The Blue Cash Preferred® Card from American Express (Review) is an excellent pick for grocery shopping and buying gas, and it has a great introductory bonus too. Most people should be able to reach this bonus with just two or three months of normal shopping.

  • $250 statement credit for spending $1,000 on purchases in the first 3 months
    • Return on spend: 25%
  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
  • Amex Offers: Find significant discounts at a changing selection of merchants and websites, like (at the time of publication) Best Buy, Pandora, and select meal kits.
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Purchase and Balance Transfer APR: 0% for 12 months, then 14.74–25.74% Variable (Rates & Fees) (Rates & Fees)
  • Annual fee: $95

Capital One® Savor® Cash Rewards Credit Card

  • $300 cash bonus for spending $3,000 in the first 3 months
    • Return on spend: 10%
  • 4% cash back on Dining and Entertainment
  • 2% cash back at Grocery stores
  • Annual fee: $0 intro for first year; $95 after that
View card details

Bank of America® Cash Rewards Credit Card

  • $200 cash rewards bonus for spending $1,000 in the first 90 days after account opening
    • Return on spend: 20%
  • 3% cash back in one category of your choice: Gas, Online shopping, Dining, Travel, Drugstores, Home improvement/furnishings stores
  • 2% cash back at Grocery stores and Wholesale clubs
  • Spending limit: 3% and 2% rewards limited to the first $2,500 spent per quarter
  • Annual fee: $0
View card details

Discover it® Cash Back Credit Card

  • Cashback Match: Double cash back in your first year, awarded at the end of the first year
    • Return on spend: up to 10%
  • 5% cash back in rotating categories, up to $1,500 spent per quarter
  • Annual fee: $0
View card details
2 3

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BEST PICK FOR 0% INTRO APR

U.S. Bank Visa® Platinum Card

Our rating
Credit range Fair
Details
Annual Fee $0
Regular APR 14.74%–25.74% Variable
Apply Now

securely on the issuer's website

The U.S. Bank Visa® Platinum Card is great for any large expenses, but would certainly be good for paying down a new cell phone over time, with cell phone insurance included as one of its handy shopping protections.

  • Purchase and Balance Transfer APR: 0% for 18 billing cycles, then 14.74%–25.74% Variable
  • Perks: Free VantageScore 3.0 credit score from TransUnion, cell phone protection, extended warranty protection, auto rental collision damage waiver, and more
BEST PICK FOR NO ANNUAL FEE

Citi® Double Cash Card - 18 month BT offer

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 15.74%– 25.74% (Variable)
Apply Now

securely on the issuer's website

The Citi® Double Cash Card - 18 month BT offer (Review) is one of the few no annual fee cards to offer this much cash back for every purchase. It’s even got an intro balance transfer rate that’s one of the longest on the market.

  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

Cardholders can use the Double Cash everywhere to earn 2% back, without worrying about any bonus categories or which card might be better for which purchases.

2% back for every purchase is rare, but you can get close to that with the new Apple Card. You’ll need an iPhone but you’ll earn 2% cash back for every purchase made with Apple Pay, so if the merchants you frequent take contactless payments you’ll be in the clear. You’ll also get 3% back for Apple, iTunes, and App Store purchases.

  • Balance Transfer APR: 0% for 18 months on Balance Transfers, and then 15.74%– 25.74% (Variable)
  • Free FICO credit score: Monitor your FICO Bankcard Score 8, based on your Equifax credit report.
  • Quick customer service: Say “representative” when calling customer support to be connected with a rep more quickly.

PayPal Cashback Mastercard

  • 2% cash back for every purchase
  • No foreign transaction fees
View card details

Chase Freedom Unlimited®

  • 1.5% cash back for every purchase
  • $150 introductory bonus for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.74-25.49% Variable APR
View card details

Discover it® Miles

  • 1.5X miles per dollar for every purchase (equivalent to 1.5% cash back)
  • Miles Match: Double miles in your first year, awarded at the end of your first year
  • Purchase APR: 0% for 14 months, then 13.74%–24.74% Variable APR
View card details

Capital One® Quicksilver® Cash Rewards Credit Card

  • 1.5% cash back for every purchase
  • $150 introductory bonus for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.74% - 25.74% (Variable) APR
View card details

American Express Cash Magnet® Card

  • 1.5% cash back for every purchase
  • $150 introductory bonus for spending $1,000 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 14.99% - 25.99% Variable APR
View card details
2 5
BEST PICK FOR BUSINESS

Capital One® Spark® Cash for Business

Our rating
Credit range Good
Details
Annual Fee $0 intro for first year; $95 after that
Regular APR 18.74% (Variable)

Some people just want to earn cash back without bothering with bonus reward categories and complicated redemption options. If that sounds like you, you could do a lot worse than the Capital One® Spark® Cash for Business (Review).

Capital One reports business card activity to three business credit bureaus, along with the consumer bureaus:

  • Dun and Bradstreet
  • Experian Business
  • Small Business Financial Exchange
  • Consumer credit bureaus: Equifax, Experian, and TransUnion

Some credit card issuers will only report positive business card activity to one business credit bureau, so this feature stands out. If you want to improve your business credit at more bureaus, this card would be a good way to do that.

  • 2% cash back for every purchase you make
  • $500 bonus cash back for spending $4,500 in the first 3 months after account opening
    • Return on spend: 11.11%

Unlike other cards, which reward you more for certain types of purchases, the Spark Cash offers a flat rate for everything you buy. This can be good for businesses that spend a lot on a variety of purchases, rather than particular spending categories. And there’s no limit to the cash back you can earn, unlike many other rewards cards.

This card isn’t as potentially valuable as other business cards, but its rewards program makes it very flexible. This means that it’s a great option to pair with other rewards cards that do have bonus categories, like any of the others on our list.

You can use that other card for its bonus categories, earning cash back or points at a high rate. Then use the Spark Cash for every other expense, where you would typically only earn 1% back (or 1X point per dollar). If you hit the reward spending limit on that other card, you can switch to the Spark Cash for those purchases too. This will ensure that you always get at least 2% cash back, no matter what you buy.

  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Shopping and Travel Protections: Including Extended Warranties, Price Protection, Travel Accident Insurance, Lost Luggage Reimbursement, and more.
  • No foreign transaction fees
  • Annual fee: $0 intro for first year; $95 after that

Capital One® Spark® Cash Select for Business

  • 1.5% cash back for every purchase you make
  • $200 cash bonus for spending $3,000 in the first 3 months after account opening
  • Purchase APR: 0% on purchases for for 9 months, then 14.74% - 22.74% (Variable)
  • No foreign transaction fees
  • Annual fee: $0
View card details

Capital One® Spark® Miles for Business

  • 2X miles per dollar for all purchases
  • 50,000 bonus miles for spending $4,500 on purchases in the first 3 months
  • Point Transfer: At a 1:1 rate to a variety of airline loyalty programs, including Cathay Pacific, Etihad Guest, and Qantas Frequent Flyer.
  • Global Entry or TSA PreCheck Application Fee Credit: A statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • No foreign transaction fees
  • Annual fee: $0 intro for first year; $95 after that
View card details

Capital One® Spark® Miles Select for Business

  • 1.5X miles per dollar for all purchases
  • 20,000 bonus miles for spending $3,000 on purchases in the first 3 months
  • Point Transfer: At a 1:1 rate to a variety of airline loyalty programs, including Cathay Pacific, Etihad Guest, and Qantas Frequent Flyer.
  • Purchase APR: 0% on purchases for for 9 months, then 14.74% - 22.74% (Variable)
  • No foreign transaction fees
  • Annual fee: $0
View card details

The Blue Business® Plus Credit Card from American Express

  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year (then 1X)
  • Purchase and Balance Transfer APR: 0% for 12 months, then 14.99–20.99% Variable
  • Annual fee: No annual fee (Rates & Fees)
View card details

American Express® Blue Business Cash Card

  • 2% cash back on the first $50,000 in purchases each year (then 1%)
  • Purchase and Balance Transfer APR: 0% for 12 months, then 14.99–20.99% Variable
  • Annual fee: No annual fee (Rates & Fees)
View card details
2 5
BEST PICK FOR STUDENT

Flexible Bonus Categories, Traveling Abroad

See all cards in Student category

Bank of America Cash Rewards™ Credit Card for Students

Our rating
Credit range No Credit
Details
Annual Fee $0
Regular APR 16.24%–26.24%Variable
Apply Now

securely on the issuer's website

The Bank of America Cash Rewards™ Credit Card for Students (Review) is one of the most rewarding cards for students, with a 3% category you can customize to your liking each month.

This card is good for traveling abroad, because not only does it include travel as a potential 3% category, it also comes with chip-and-PIN capability, making it more useful at certain terminals and automated kiosks outside the U.S. You can easily set or change your PIN online. If you’ll be traveling to foreign countries it’s often a good idea to have a PIN card in your wallet.

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back for everything else
  • Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1%
  • $200 cash rewards bonus for spending $1,000 in the first 90 days

With this flexible card you can adjust your bonus category each month to fit your expected spending. So if you’re going on a trip next month, for example, you could use the travel category to get 3% back on your airfare and hotel bookings, and even a car rental. Then, when the new month begins, you can switch your category to gas to help fuel your adventure.

  • Bank of America Preferred Rewards: Eligible bank account holders get a 25–75% bonus on rewards earned, depending on how much money is held in BofA bank accounts.
  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Visa Platinum or Signature benefits: Depending on creditworthiness.
  • Purchase and Balance Transfer APR: 0% for 12 months, then 16.24%–26.24%Variable
  • No foreign transaction fees
  • Annual fee: $0
BEST PICK FOR RETAIL STORE

Amazon Prime Rewards Visa Signature Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 16.49%–24.49% Variable
Apply Now

securely on the issuer's website

The Amazon Prime Rewards Visa Signature Card (Review) is an easy way to get 5% back for everything you buy on Amazon. Since Amazon has one of the broadest product ranges of any marketplace ever, this is probably the most versatile store card you can get.

It has no annual fee but requires an Amazon Prime membership, which currently costs $119 per year ($59 for an Amazon Prime Student membership). There are also a few interesting features you won’t usually get with store cards.

  • 5% cash back at:
    • Amazon.com
    • Whole Foods
  • 2% cash back at:
    • Restaurants
    • Gas stations
    • Drug stores
  • 1% cash back on all other purchases
  • $70 Amazon.com Gift Card as soon as you’re approved for the card
  • Visa Signature Luxury Hotel Collection: Perks at over 900 hotels around the world, like automatic room upgrades and complimentary WiFi.
  • Concierge Service: Call for non-emergency assistance at any time, like travel planning or making reservations.
  • Shopping and Travel Protections: Including Travel Accident Insurance, Lost Luggage Reimbursement, and Purchase Protection.
  • No foreign transaction fees (rare for a store card)
  • Annual fee: $0 (must have an Amazon Prime membership)
  • Issued by Chase: Chase is a major credit card issuer with relatively good customer support.
  • Open-loop card
BEST PICK FOR GAS

Overall Cash Back Rewards

See all cards in Gas category

Ducks Unlimited Rewards Visa Signature® Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 21.24% Variable
Apply Now

securely on the issuer's website

The Ducks Unlimited Rewards Visa Signature® Card has the best gas station bonus category, with no cap to the amount of cash back you can earn at the 5% rate.

  • 5% cash back at:
    • Gas stations
    • Sporting goods stores
  • 1% cash back for every other purchase

The Ducks Unlimited is a pretty simple card, with no signup bonus, but if you spend a lot of money on gas every year this is your most rewarding option.

There are some other cash rewards credit cards that can provide 5% back for gas, like the Discover it® Cash Back Credit Card (Review) and Chase Freedom® (Review). Unlike the Ducks Unlimited card, these two usually only offer the gas category for three months out of the year, and it’s also limited to the first $1,500 you spend. You can only earn a maximum of $75 cash back at the 5% rate with those cards.

So if you’re going to buy a lot of gas throughout the year, this is the only card that can give you 5% back the entire time. If you don’t spend as much on gas you may be able to get the same value from one of the rotating category cards. Just use it to buy gas gift cards while the category is active, so you can use them throughout the year.

The Ducks Unlimited is available at the Visa Signature level if your credit limit is $5,000 or above. Otherwise you’ll get a Visa Platinum, which just comes with some basic benefits.

This card can be very rewarding, but it’s issued by a smaller bank and the online services may be a bit behind the times. But we’ve found customer support to be knowledgeable and helpful. We recommend turning off your ad blocker when applying for this card, and also when you activate it after you get it, because it can cause issues when submitting information.

  • Free FICO Credit Score: Check your FICO Bankcard Score 9 for free, whenever you’d like.
  • Visa Platinum Benefits: Basic Visa Platinum protections may include Roadside Dispatch and an Auto Rental Collision Damage Waiver.
  • Possible Visa Signature Benefits: Upgraded Visa Signature benefits may include Purchase Protection, Return Protection, Trip Delay Reimbursement, and others.
  • Annual fee: $0
BEST PICK FOR SECURED

Earning Rewards, No Annual Fee

See all cards in Secured category

Discover it® Secured Credit Card

Our rating
Credit range Bad
Details
Annual Fee $0
Regular APR 24.74% Variable
Apply Now

securely on the issuer's website

The Discover it® Secured Credit Card (Review) is is probably the best secured credit card thanks to its rewards program, which is pretty good even compared to many unsecured cards.

This card requires a minimum security deposit of $200. The maximum allowable deposit will be determined by your creditworthiness, with an upper limit of $2,500. Your credit limit will be equal to the amount you deposit.

Discover will review your account and your credit every 8 months. With responsible card use, they may return your security deposit and allow you to continue using the card. There is no program to upgrade to a different Discover card.

  • 2% cash back on the first $1,000 spent per quarter (then 1%) at:
    • Restaurants
    • Gas stations
  • 1% cash back on all other purchases
  • Cashback Match: New cardmembers get double the cash back earned in the first year (awarded after the first year)

 

  • Free Credit Score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • No foreign transaction fee
  • Annual fee: $0
  • Security deposit: $200 to $2,500

Choosing the Best Credit Card for You

There are many credit card offers out there, but which one is the best credit card for you? The answer depends on your needs and your credit history.

If you’re considering a card for rewards, there’s a wide variety of options.

Do you want a simple card that earns you a cash back percentage as a statement credit on all your credit card spending? Or are you looking for a travel rewards card that will earn points, like Chase Ultimate Rewards points, that you can transfer as airline miles, or to another rewards program?

Many rewards cards earn more on certain bonus categories, like gas stations, grocery stores, or wholesale clubs. Choose wisely according to your spending habits.

Are you willing to pay an annual fee? Some cards have a high annual fee, but the value of benefits and rewards can more than make up for it. You may just want to keep things simple and only consider cards with no annual fee.

Consider the sign-up bonuses that many cards offer. Credit card issuers will often award you bonus points when you spend a certain amount within the first few months of opening your new card.

Maybe you’re a student, or someone who has not established credit history yet. If you want to build credit, you may want to find a card that will let you monitor one of your FICO scores and track your progress.

If you have bad credit, you still have options to get the benefits of credit cards, but you might have to pay an annual fee or get a secured card. These cards may not earn any rewards, but could help you re-build your credit as long as you pay your bill on time and use the card responsibly.

If you’re trying to pay off debt faster with a balance transfer, the best card for you would probably have no balance transfer fee and a long 0% introductory APR offer.

Make sure you’re also considering the additional benefits cards offer. Many travel cards come with benefits like car rental and travel insurance, while some go further, offering big travel credits and airport lounge access. If you travel outside the country often, consider whether a card has foreign transaction fees. You may also want to look for a Visa or Mastercard, since American Express and Discover cards may not be as widely accepted abroad.

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