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Best Credit Cards of December 2019: Reviews and Offers

Best Credit Cards of December 2019: Reviews and Offers

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 02, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Opening a new credit card can be overwhelming. There are thousands of offers available and it can be hard to find a card that’s right for you. To make your decision a little easier, we did the hard work and found the best card offers for a variety of needs that can earn you rewards and provide discounts that can save you money.

Below, we list our top picks in 14 categories that include no annual fee, travel, cash back, balance transfer and more, so you can find the best credit card for your needs.

Here are the best credit cards of 2019:

Best for… Credit Card
No annual fee The Amex EveryDay® Credit Card from American Express
Travel Chase Sapphire Reserve®
Airline Citi® / AAdvantage® Executive World Elite™ Mastercard®
Cash back Citi® Double Cash Card – 18 month BT offer
Balance transfer The Amex EveryDay® Credit Card from American Express
Students Discover it® Student Cash Back
Business Capital One® Spark® Cash for Business
Secured Discover it® Secured
Poor credit Discover it® Secured
Average credit Capital One® QuicksilverOne® Cash Rewards Credit Card
Store Amazon Prime Store Card
Gas Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
Restaurants Capital One® Savor® Cash Rewards Credit Card
Supermarkets Blue Cash Preferred® Card from American Express
No credit check OpenSky® Secured Visa® Credit Card

Best card with no annual fee – The Amex EveryDay® Credit Card from American Express

The Amex EveryDay® Credit Card from American Express is a well-rounded card that provides cardholders the opportunity to earn rewards, get out of debt and benefit from great perks. This card has a rewards program tailored to grocery shoppers where you can earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. Plus, if you make at least 20 purchases in a billing period, you can earn 20% extra points on those purchases. And, there’s a welcome offer where you can earn 10,000 membership rewards® points after you use your new card to make $1,000 in purchases in your first 3 months.

If you plan on making new purchases that require you to carry a balance or transfer existing debt from a non-Amex card, there’s an intro 0% for 15 months on purchases and an intro 0% for 15 months on balance transfers. After, a 14.49% - 25.49% (variable) APR applies for purchases and a 14.49% - 25.49% (variable) APR for balance transfers. There is also a great money-saving $0 balance transfer fee. That’s compared with other cards that often charge a 3%-5% fee.

Additional perks cardholders can benefit from include free two-day shipping at select online retailers with ShopRunner and exclusive access to various entertainment events like concerts and Broadway shows.

Check out the best no annual fee cards.

Best card for travel – Chase Sapphire Reserve®

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 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.

  • $300 Annual Travel Credit, Airport Lounge Access, and Flexible Redemption Options

Highlights
  • 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $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✓®

See additional details for Chase Sapphire Reserve®

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The Chase Sapphire Reserve® is one of the most premier travel cards available today, and it has the benefits to warrant a high $450 annual fee. Cardholders can earn 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. Points can benefit from a fantastic 50% more value when they’re redeemed for travel via Chase Ultimate Rewards®. For frequent travelers, this is a great way to boost the value of your points.

This card also comes with other travel perks that can help offset the $450 annual fee, such as a $300 annual travel credit that can be used for travel-related expenses like airline tickets, hotels and ride-share services. Added perks that can help frequent travelers save money include up to a $100 application fee credit for Global Entry or TSA Precheck®, a $0 foreign transaction fee, travel protections and more.

You can accelerate your reward earnings by meeting the requirements of the sign-up bonus — Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Best airline credit card – Citi® / AAdvantage® Executive World Elite™ Mastercard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening

  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases

  • No Foreign Transaction Fees on purchases

Highlights
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for guests traveling with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 17.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® / AAdvantage® Executive World Elite™ Mastercard®

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There are numerous airline cards available that can help you earn miles at a quicker pace compared with a non-airline card. While the best airline card is subjective to the airline you prefer, we chose the Citi® / AAdvantage® Executive World Elite™ Mastercard® as our top pick for the numerous benefits it provides American Airlines fliers.

When you fly with American Airlines, you receive a 25% discount on in-flight food and beverage purchases, first checked bag free for you and up to eight companions on the same domestic AA itinerary, priority check-in, early boarding and more. In addition, you can speed up airport security by applying for Global Entry or TSA Precheck® and receiving up to a $100 statement credit for the application fee every five years. This card also offers a complimentary Admirals Club® Membership, which allows you to access over 50 lounges worldwide so you can relax prior to takeoff or after landing.

Regarding earning miles, cardholders Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases. There is also a great sign-up bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening. Plus, each calendar year you spend $40,000, you’ll be awarded 10,000 Elite Qualifying Miles (EQMs).

There is a $450 annual fee, but you may find the perks of this card worth it.

Best cashback credit card – Citi® Double Cash Card – 18 month BT offer

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.49% - 25.49% (Variable)

Highlights
  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Double Cash Card – 18 month BT offer

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A flat-rate cashback card is ideal for people who want to benefit from a good cashback rate on all purchases without the hassle of rotating bonus categories or activation. The Citi® Double Cash Card – 18 month BT offer sets the standard for $0 annual fee cashback cards with the ability to earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. (That’s as long as you pay at least the minimum due each month.)

You can maximize cash back by using this card in unison with another cashback card — like the gas, restaurant, and grocery cards mentioned below. Simply use the Citi® Double Cash Card – 18 month BT offer for purchases outside the bonus categories to earn more than the 1% rate bonus category cards award everyday purchases.

Additional perks include exclusive access to entertainment events with Citi® Private Pass®.

Best balance transfer credit card – The Amex EveryDay® Credit Card from American Express

The Amex EveryDay® Credit Card from American Express is a standout choice for a balance transfer card with its $0 balance transfer fee. Most cards charge a 3%-5% balance transfer fee that can add to the amount you already owe, so the lack of a BT fee is a great perk. Balances must be transferred within 60 days from account opening to benefit from the intro 0% for 15 months (after, 14.49% - 25.49% (variable) APR). This is an average amount of time to pay off your debt, and while you can find cards with BT intro periods as long as 21 months, those cards tend to have BT fees.

This card has a decent rewards program where you can earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. Plus if you make at least 20 purchases in a billing period, you can earn 20% extra points on those purchases. There’s also a welcome offer where you can earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.

Additional perks include free two-day shipping at select online retailers with ShopRunner and exclusive access to various entertainment events like concerts and Broadway shows.

Best credit card for students – Discover it® Student Cash Back

  • 0% for 6 Months*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • 19.49% Variable*

Highlights
  • 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 19.49%.
  • See Rates & Fees

See additional details for Discover it® Student Cash Back

More Info

When you’re a student, it’s key to start building credit early on. By using your card responsibly, you may be able to achieve a good or even excellent credit score upon graduation. The Discover it® Student Cash Back is a great choice for students with several perks. You can 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, 1% unlimited cash back on all other purchases - automatically.

There is a unique new cardmember offer where Discover will match ALL the cash back you've earned at the end of your first year, automatically. That means if you earn $200 in cash back during your first year, Discover will match that and give you an additional $200 cash back. There’s also a Good Grade Reward, where you can get a $20 statement each school year (for up to five years) that your GPA is 3.0 or higher.

Students who travel abroad can benefit from a foreign transaction fee of none. And, if you plan on buying textbooks, items for your dorm or other things, there’s an intro 0% for 6 months on purchases (after, 19.49% variable APR). This card has no penalty APR and no fees on your first late payment — which is a good reminder to pay on time.

Best business credit card – Capital One® Spark® Cash for Business

  • 2% Cash Back for your business on every purchase, everywhere

  • Limited Time Offer: Earn up to $2,000 in cash bonuses. Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening

  • Redeem cash back for any amount at any time

Highlights
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

See additional details for Capital One® Spark® Cash for Business

More Info

A business credit card is a great way to streamline business expenses, and the Capital One® Spark® Cash for Business can help small business owners do that and more. You can earn a consistent flat cashback rate on all business purchases that you and your employees make at 2% cash back for your business on every purchase, everywhere.

This card does come with an annual fee at $0 intro for first year; $95 after that — but if you spend $4,750 a year, you can earn enough cash back to cover the cost. Employee cards come at no additional cost.

The Capital One® Spark® Cash for Business provides features for every type of business whether it’s travel (lost luggage reimbursement, Visa Signature® Luxury Hotel Collection), entertaining clients (Fine Wine & Food and sports discounts), or wanting to simplify financial management (downloadable purchase records and year-end summaries).

Best secured card – Discover it® Secured

  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.

  • Credit line will equal your security deposit of $200 or more*

  • No annual fee, no late fee on your first late payment. No penalty APR*

Highlights
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

See additional details for Discover it® Secured

More Info

A secured card, like the $0 annual fee Discover it® Secured, is a great way to build credit if you’re just beginning your credit journey. Secured cards are nearly identical to regular, unsecured cards, but they require a minimum security deposit. The Discover it® Secured has a typical $200 minimum deposit and provides the basis for you to work toward a good credit score.

Plus you can earn cash back — which is rare for secured cards. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.

Discover takes the guesswork out of wondering when you’re ready for an unsecured card with monthly account reviews starting at eight months from account opening. During these reviews, Discover will review your account to see if you’re eligible to receive your security deposit back while still benefiting from using your card.

Best card for poor/new credit – Discover it® Secured

  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.

  • Credit line will equal your security deposit of $200 or more*

  • No annual fee, no late fee on your first late payment. No penalty APR*

Highlights
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

See additional details for Discover it® Secured

More Info

As mentioned above, secured cards are a great way to build credit and can help you improve your credit score. The Discover it® Secured is our top pick for people that are considered new/rebuilding to credit.

This card requires a typical $200 minimum security deposit and Discover will perform account reviews starting at eight months from account opening to see if you’re eligible to receive your deposit back while still enjoying the benefits of your card.

There are plenty of unsecured credit cards for people with less-than-stellar credit, but those are often characterized by high fees and tricky terms. We recommend sticking to the Discover it® Secured which has a $0 annual fee and a cashback program — earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.

Check out the best credit cards for bad credit.

Best card for average credit – Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Unlimited 1.5% Cash Back

  • No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn

  • 26.99% (Variable)

Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card

More Info

If you have average/fair/limited credit, it may be hard to find a credit card with reasonable terms, but look no further than the Capital One® QuicksilverOne® Cash Rewards Credit Card. It has a $39 annual fee, but that can be offset by spending $2,600 a year since you earn 1.5% cash back on every purchase, every day.

Best store credit card – Amazon Prime Store Card

The Amazon Prime Store Card is a fantastic card for online shopping and can earn you 5% back at Amazon.com. This is one of the highest reward rates provided by any card and the savings can add up for avid Amazon.com shoppers. Note that while there’s a $0 annual fee, you’ll need a Prime membership — currently $119 for the annual plan or $59 a year if you’re a college student — to earn rewards.

This is a store card, so you can only use it on Amazon.com purchases. If you want to earn rewards outside of Amazon.com, there’s the Amazon Prime Rewards Visa Signature Card which can be used anywhere and earns 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores, 1% back on all other purchases. Similarly, the Amazon Rewards Visa Signature Card can be used anywhere and doesn’t require a Prime membership, but the rewards rate is lower at 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores, 1% back on all other purchases.

Best gas credit card – Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

  • 0% Introductory APR on purchases for 15 billing cycles

  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

  • 15.49% - 25.49% Variable APR on purchases and balance transfers

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

More Info

The Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer is a $0 annual fee cashback card that’s ideal if you frequently spend on gas. You can earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases. The choice category can be gas, or it can be online shopping, dining, travel, drug stores, or home improvement/furnishings, giving you a chance to swap out categories if you won’t be spending a lot on gas one quarter.

This card also has a sign-up bonus where you can receive a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. There aren’t really any other perks that set the Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer apart from competitors beyond the rewards program tailored to gas spenders.

Best card for restaurants and dining – Capital One® Savor® Cash Rewards Credit Card

  • 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

More Info

The Capital One® Savor® Cash Rewards Credit Card is a standout card for foodies, offering the highest rewards rate for dining purchases. You can earn 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020. New cardmembers can also benefit from the sign-up bonus — Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

This card does come with an annual fee at $0 intro for first year; $95 after that, but if you spend $2,375 a year on dining — after year one — you can offset it. Additional benefits include travel accident insurance, a foreign transaction fee of none, inside access to premium experiences in dining, entertainment, sports and more.

Best card for supermarkets – Blue Cash Preferred® Card from American Express

  • $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 & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

  • 1% back on other purchases*

Highlights
  • 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.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

More Info

The Blue Cash Preferred® Card from American Express offers the highest cashback rate among supermarket cards with 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). There is an additional offer – NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more There is also a welcome offer where you can earn $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.

There is a $95 annual fee, but if you spend $1,584 a year at U.S. supermarkets, you can recoup the fee. In addition to a cashback program, this card offers an intro 0% for 12 months on purchases (after, 14.49%-25.49% variable APR), which can be helpful if you plan on carrying a balance month to month during your first year of account opening.

Additional perks include free two-day shipping at select online retailers with ShopRunner, exclusive access to entertainment events, travel accident insurance and more.

Best card with no credit check – OpenSky® Secured Visa® Credit Card

  • Free Credit Bureau Reporting

  • $200 - $3,000 Credit Line*

  • 19.14%*

Highlights
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • Extra credit when you need it, increase your credit line up to $5000.
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. 

See additional details for OpenSky® Secured Visa® Credit Card

More Info

The OpenSky® Secured Visa® Credit Card is a good option for folks looking to improve their credit who are worried they won’t be approved for other cards due to a bad credit score. This card doesn’t perform a credit check, and instead bases its approval on other financial factors.

It’s a secured card, meaning you have to submit a refundable security deposit which will set your credit limit. OpenSky accepts deposits ranging from $200 to $3,000.

There is a $35 annual fee for this card, unlike some of the other secured cards we like. However, if having a credit check done is something that concerns you, the annual fee for the OpenSky card might be worth it.

It should be noted that, unlike some other secured cards, OpenSky does not offer an opportunity to move to an unsecured card.

However, as you use the card, OpenSky might offer opportunities to gradually increase your credit limit without requiring an additional deposit. This could help improve your credit score by increasing your available credit, as long as you don’t increase your spending on the card.

Bottom line

Selecting a new credit card is much easier once you narrow down what it is you’re looking for, be it cash back, discounts on shopping, travel rewards or to use a card to build your credit or pay off high-interest debt. Narrow down your search to a few cards and then compare the terms of each to see which could be a best fit for you. Look at fees, APRs, how a rewards program is structured or how a cash back program works. Once you’re educated, you can apply for your new card with confidence.

The information related to The Amex EveryDay® Credit Card from American Express, Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.


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Owning a pet isn’t cheap. Currently, an estimated 84.6 million U.S. households own at least one pet. And Americans are continuing to spend more money on their pets each year, with $69.51 billion spent in 2017. That’s estimated to increase by $2.62 billion this year to $72.13 billion. While it’s often costly to own a […]

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