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Capital One® Venture® Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 550 Offer Ratings
Over the Past 60 Days!

(550) Over the Past 60 Days!
  • Bonus Miles 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
  • Rewards Rate 2 Miles per dollar on every purchase, every day
  • Hotel Bonus Rewards Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.7/5.0 from 5,620 Offer Ratings
Over the Past 60 Days!

(5,620) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Intro APR 0% for 15 Months on Purchases and Balance Transfers
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

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Wells Fargo Platinum Visa card

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 1,263 Offer Ratings
Over the Past 60 Days!

(1,263) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and qualifying balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 13.74%-27.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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Chase Sapphire Preferred® Card

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 198 Offer Ratings
Over the Past 60 Days!

(198) Over the Past 60 Days!
  • Bonus Rewards 60,000 bonus points
  • Rewards Rate 2X points on travel and dining
  • Bonus Perks 1:1 point transfer to leading airline and hotel loyalty programs
  • Annual Fee $95
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 310 Offer Ratings
Over the Past 60 Days!

(310) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

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.
  • 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.
  • See Rates & Fees

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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 827 Offer Ratings
Over the Past 60 Days!

(827) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 14.24% - 25.24% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

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.
  • 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.
  • See Rates & Fees

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Bank of America® Cash Rewards credit card

 

Rated 5/5 stars by our editorial team

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4.4/5.0 from 624 Offer Ratings
Over the Past 60 Days!

(624) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Intro BT APR 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 16.24% - 26.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 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
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 873 Offer Ratings
Over the Past 60 Days!

(873) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 15.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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, 15.24% - 25.24% 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

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Capital One® VentureOne® Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 821 Offer Ratings
Over the Past 60 Days!

(821) Over the Past 60 Days!
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Regular Purchase APR 14.24% - 24.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

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Wells Fargo Propel American Express® Card

 

Rated 5/5 stars by our editorial team

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4.2/5.0 from 116 Offer Ratings
Over the Past 60 Days!

(116) Over the Past 60 Days!
  • Rewards Rate Earn 3X points for eating out & ordering in, 3X points for gas stations, rideshares & transit, 3X points for travel including flights, hotels, homestays and car rentals.
  • Introductory APR 0% for 12 months on purchases and qualifying balance transfers
  • Ongoing APR 16.24% to 27.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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Bank of America® Travel Rewards credit card

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 1,227 Offer Ratings
Over the Past 60 Days!

(1,227) Over the Past 60 Days!
  • Rewards Rate Earn 1.5 points per $1 spent on all purchases
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 17.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards credit card

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 753 Offer Ratings
Over the Past 60 Days!

(753) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 16.24% - 26.24%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, 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 balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Picture of Greg Sheeler

By: | Oct 6, 2017

I got three of these cards, BOA cash rewards is my favorite. Chase slate literally has zero rewards except for balance transfers savings. I will be getting my first capital one card after years of them trying to get my business after my paperwork goes through for opening my own business. I will be getting the spark cash rewards card. Fico score has been usually around 750 and was once up to 800 till I got a second car loan for a daily driver.

Picture of Matthew Lieff

By: | Sep 30, 2017

I have two of these, Discover It and Bank of America Cash Rewards. They are both great. I also love my Chase Amazon with 3% back on Amazon purchases and 2% at drugstores; and my Chase Freedom, which is super helpful when the 5% category for the quarter is gas stations or discount clubs. I also just added Barclays Cash Forward mainly for the $200 bonus. Chase has great customer service and excellent apps.

1 Reply

By: Andre Leahong | Oct 13, 2017

i love chase, i can do everything online

Picture of Steve Tamres

By: | Sep 22, 2017

I'm with Chase and I actually got Pre Approved for their Sapphire AND Freedom cards. I chose Freedom over Sapphire, because I understand Sapphire is mostly for traveling and/or dining; which I rarely do both. I just found it interesting how I saw their Sapphire card on here. It gave me a smile and a chuckle to know this.

1 Reply

By: R Kenneth ONeal | Dec 11, 2017

You could help yourself out a bit by getting the Freedom AND the Sapphire Preferred. The points transfer from the Freedom to the CSP and vice versa. This gives greater bennies through the Ultimate Rewards portal.

Picture of Linda F. Gramm

By: | Sep 19, 2017

I have a capital one spark business card that yields 2% back on everything and I mean everything. I like the fact that they will do whatever you want with it, including sending you a check. I have an Amazon Visa that gives me 5% back on anything ordered from Amazon, which is a lot.. I have the Discover and AMEX blue cash but I can never remember the places or in which months I can earn. So I basically use the Spark and Amazon most of the time. I pay all balances off, and never pay any interest.

1 Reply

By: R Kenneth ONeal | Jan 3, 2018

If youre a traveler, the Freedom Unlimited 1.5% cashback is also 1.5 x 1 reward point. A point is worth 2.1cents so the Freedom Unlimited, when redeemed through Chases Travel Portal when you have the CSP gives more back than 1.5% cash. It gives back over 3%. The CSP gives 4.2% back with dining as it gives 2.1 cents per point and gives 2 points on dining and travel.

Picture of John Andrews

By: | Sep 18, 2017

I have 19 Cards and the BEST BY FAR IS Chase Freedom, Chase Amazon and Capital One QuickSilver

2 Replies

By: Matthew Lieff | Sep 30, 2017

I have Chase Freedom and Chase Amazon, they are both good, Chase Freedom is really great when the 5% category is gas or discount clubs. It's not so remunerative when the category is movies or restaurants.

By: R Kenneth ONeal | Jan 12, 2018

Odd that you would say. The Quicksilver is basically a clone of the Freedom Unlimited. The sign up bonus is the same and they both give 1.5% cashback. With the Freedom Unlimited though, you can transfer those points to Ultimate Rewards and that gives it an edge up on the Quicksilver, in my opinion.

Picture of A Richard Johnson Jr

By: | Sep 11, 2017

I may be mistaken, but I have found that most or all of these cards allow you to use any airline, hotel, etc, but I believe it takes considerably more miles than it does on a card dedicated to a specific airline. However, if you can not afford to pay off your balance every month, the airline cards have extremely high interest and not recommended unless you pay it off each month.

2 Replies

By: Marty | Oct 4, 2017

I to have several cards. My credit is great just because you have several cards does not hurt the credit score. Its how high you put them and how you pay,

By: Fred Torres | Nov 1, 2017

Which I do with no problems. Balances paid automatically monthly from my bank.

Picture of William Lawrence

By: | Sep 6, 2017

I have Capital One Venture. My wife and i have been able to fly free twice a year for our cruises. the 2 for one miles make it worthwhile and there is only a 59..00 annual fee. HIGHLY recommend it

1 Reply

By: Barry Mann | Sep 27, 2017

But how many miles do you bank in a year to be able to do that? And how far are you flying?

Picture of Bob Knapp

By: | Sep 6, 2017

I have bank of america with cash back and no annual fee. and i pay it off every month (no interest}. Love it

Picture of Dennis T Menance

By: | Sep 3, 2017

I have Excellent Credit , pay off Monthly, Don't need Miles or Travel Rewards..Haven't Flown in 25 yrs and don't plan too. I just want an Across the board 2% cash back on everything, including Medical bills.

1 Reply

By: Marty | Oct 4, 2017

I agree with you. The 2% cash back is great. Esp. for medical needs.

Picture of William Lawrence

By: | Aug 31, 2017

I have capital one venture and I am extremely pleased with their air mile program. It pays for our flights to and from cruises. Worth the 59.00 annual fee. 2for i

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Best Credit Card for Excellent Credit Holders

Those who have exceptionally good credit may want to apply for the best credit cards that especially cater to people with above average credit scores and stellar credit histories. Credit card companies will usually offer special perks, features, interest rates, and other preferential service to those who qualify for top credit cards.

By federal law you are allowed to access your credit reporting files free of charge once a year. For a small fee you can see them more than once per year and can also gain access to your FICO score – which is commonly referred to as your credit score. Credit scores for excellent credit range from 700 to 850 and are determined by using a proprietary algorithm which factors in several components of credit worthiness. If your score is above 700 that’s quite good and for most issuers is considered excellent.

To maintain your high rating follow the tips on how to preserve your credit. If you need help to improve your credit score to qualify for an excellent credit credit card, then take advantage of the many free, user-friendly financial management resources, articles, and tools that we offer. Once you have earned excellent credit you have a wide range of reward card options as well as promotional 0 percent introductory APRs which come with very attractive ongoing interest rates – typically around 12%.

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