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It’s no secret you can earn hundreds of dollars in credit card rewards every year.
Yet, many people stick with the same card year after year and miss out on valuable benefits they want. Sound familiar?
Fact: Banks doubled their spending on credit card rewards since 2010. There’s an excellent chance you can get a much better deal.
Make the switch and start enjoying rewards you will use. Choose a $150 cash sign-up bonus or 80,000 points worth up to $1,000 in travel. As an extra bonus some of these cards offer 0% introductory interest for over a year. That means you could save hundreds of dollars in interest if you’ve got a big purchase coming up or on a balance transfer.
There’s never been a better time to get a new credit card. Stop missing out. Find your perfect fit and apply below.
The Citi Double Cash Credit Card, from our partner Citi, is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments.
With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program and there’s no cap on the cash back you can earn.
Cardmembers will also enjoy an intro APR of 0% for 18 months on Balance Transfers. The on-going interest rate is 13.99% – 23.99% (Variable) based on your creditworthiness and you pay no annual fee.
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 13.99% – 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Enjoy Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 to $300. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600!
Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% for 14 months, then 11.99% - 22.99% Variable after that. Get all this for $0 annual fee.
0% Intro APR0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable.
RewardsEarn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. *
Cashback Match™Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s
no minimum spending or maximum rewards. You could turn $150 to $300.
Highlights
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 to $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back in 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.
Discover is accepted nationwide by 99% of the places that take credit cards.
This card is perfect for people looking to get out of debt with intro APR 0% for 18 months on Balance Transfers. With this 0% intro APR, you can pay off your balance interest free for almost two years. If you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing 0% for 18 months on Purchases. That means you can take a full year to pay down your balance without worrying about interest piling up.
Enjoy extra features that are usually only available on premium high-annual fee cards. Get free access to your FICO® score online. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. This card has a $0 annual fee.
0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
The Chase Freedom Flex℠ card has made a huge splash in the marketplace with one of the most generous suites of cashback rewards we’ve ever seen: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket. Plus, Chase Freedom Flex℠ can also be a great way to finance a large upcoming expense or big-ticket item with 0% Intro APR on Purchases for 15 months and then 14.99% - 23.74% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up.
And did we mention that this all comes with a very compelling sign-up bonus and a $0 annual fee? Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. All that combines to make this a truly amazing cashback card.
Sign-up BonusEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Introductory APR0% Intro APR on Purchases for 15 months
You will earn cash on everything you buy, everywhere with this card. The Capital One Quicksilver Cash Rewards Credit Card pays you unlimited 1.5% cash back on every purchase, every day. Earn cash in two ways. First, earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Second, you'll take home unlimited 1.5% cash back on every purchase, every day.
Take advantage of 0% intro on purchases for 15 months to give you breathing room to pay it off with no interest piling up. Get the flexibility you deserve with your cash back rewards. There is no minimum for redeeming and cash back won't expire for the life of the account. This card is a great choice for international travelers! No foreign transaction fees. There is $0 annual fee. Don’t worry if your credit isn’t perfect, this card is designed for people with Excellent/Good credit.
One-time $200 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; 15.49%-25.49% variable APR after that
Chase Freedom Unlimited® comes with generous 0% intro APR on purchases. The standout features that set this card apart from some other low interest offers are the rich cash rewards. Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. Enjoy a sign-up bonus— Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Plus, you get flexibility with 0% Intro APR for 15 months on purchases. This is an enticing card offer with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goals faster.
Introductory APR0% Intro APR for 15 months on purchases
Sign-up BonusEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Earn more points on every purchase (even the little ones). The Citi Rewards+℠ Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. You also get 10% points back for the first 100,000 ThankYou® Points redeemed per year. This attractive new rewards card from Citi includes long zero intro interest periods on both purchases and balance transfers, and a nice sign-up bonus, all with $0 annual fee.
Cardholders Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Take advantage of intro APR 0% for 15 months on purchases, then 13.49% - 23.49% (variable) and intro APR 0% for 15 months on balance transfers, then 13.49% - 23.49% (variable). Our take? This is a great everyday rewards card.
Sign Up BonusEarn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card you can earn cash back on your next road trip with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. Rewards can be redeemed at any time and never expire.
As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. In addition to the host of cash back opportunities, this credit card also offers a free Credit Scorecard with FICO® Credit Score.
Intro APR0% for 14 Months on purchases and balance transfers*
Rewards RateEarn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Ongoing APR11.99% - 22.99% Variable*
Highlights
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. Based Customer Service available any time.
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.
Discover is accepted nationwide by 99% of the places that take credit cards.
This five-star travel rewards card is easy to use and comes with one of the best sign up bonuses available. Start planning your next vacation now with help from this travel card's sign-up bonus: 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®. Earn 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.
Cash in points on hotels, airfare, and even car rentals or cruises with this flexible travel card. No blackout dates. Your points are worth 25% more when you book airfare, hotels or car rentals through the easy to use Chase Ultimate Rewards® travel portal. There are no foreign transaction fees. The annual fee is $95. You could easily earn more than that with the high rewards rate on this card.
Rewards Rate2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.
Bonus PerksGet 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
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, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
If you fly Southwest Airlines, this card offers valuable and easy to earn rewards even on everyday spending. Take flight fast after you earn a generous sign-up bonus: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Rack up rewards fast when you earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
All points earned count towards the popular Companion Pass. Enjoy ultimate flexibility with no blackout dates or seat restrictions when you redeem rewards. There is an annual fee of $69, which if offset by the 3,000 bonus points rewarded after your Cardmember anniversary.
Sign Up BonusEarn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Rewards Rate2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Extra Perks3,000 bonus points after your Cardmember anniversary.
Attention travelers! Hop on board the Discover it® Miles and buckle your seat belt. This $0 annual fee card soars above other cards with one of the most lucrative travel sign-up bonuses available. If you have a big purchase coming up, rely on the long intro APR: 0% intro for 14 months, with 11.99% - 22.99% Variable after that, when you pack this card in your wallet. That means you have over a year to pay off a balance with no interest payments piling up.
Here’s how the Discover it® Miles helps you take flight: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel! This first-class card offers Unlimited 1.5 Miles for every dollar spent on all purchases - with no annual fee. With the sign-up bonus, that means you will earn 3 Miles for every $1 you spend during your first year, which is an incredible rate. Use this card for all your everyday expenses and you could earn a massive year-end bonus, while enjoying the flexibility of long 0% intro interest.
Bonus MilesDiscover will match all the Miles you've earned at the end of your first year.*
Rewards Rate1.5 Miles per $1 Spent*
0% Intro APR0% intro for 14 months on purchases, then 11.99% - 22.99% Variable
Highlights
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
Discover is accepted nationwide by 99% of the places that take credit cards.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
The U.S. Bank Altitude® Go Visa Signature® Card has exploded onto the market with incredibly competitive offers for anyone looking for a great credit card. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
And while this card has very compelling rewards on offer, the U.S. Bank Altitude® Go Visa Signature® Card also makes transferring your current credit card balance easy with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 14.99% - 23.99%* (Variable) rate after that intro period.
Plus, all of this is included with no annual fee and the points you’ve earned never expire. If you’re in the market for a card that covers all the bases with very few compromises, this is an outstanding choice.
Sign Up BonusEarn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
RewardsEarn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.
Intro APR0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)
Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
Earn 4X points on takeout, food delivery and dining
Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
$15 credit for annual streaming service purchases such as Netflix and Spotify
No annual fee*
1X point per $1 on all other eligible purchases
Low Introductory APR on purchases and balance transfers
Make a purchase and earn. Maximize the return on your everyday spending and get the rewards you want. There’s no telling when the offers on these top cards might change. Apply now and get one of the best credit cards of 2020.
Methodology
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.
At CompareCards.com, our mission is to help people make more informed financial decisions each and every day. Since we first launched back in 2005, we have been focused on helping our users research, compare and apply for the right credit card for their needs. We pride ourselves on providing resources born out of thorough research and expert guidance – even if we aren’t able to cover every single credit card or issuer on our site.
We’re able to provide our tools and reviews free of charge and accessible to anyone because our partners compensate us. This compensation can impact where products from our partners show up on our site and which products we choose to feature but doesn’t have any influence over our reviews or opinions – our partners cannot and do not compensate us for positive reviews or impressions. Comparecards.com is dedicated to providing independent and unbiased information on how to help people meet their financial goals.
About Our Ratings
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Excellent Credit
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Good Credit
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Fair Credit
Between 600 - 659
Credit cards for fair credit are intended for those with a credit score between 600 - 659.
Poor Credit
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
No/Limited Credit
- - -
Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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