What are the Best Credit Cards of 2017?

Let our guide help you find the best credit card of 2017. We have all the information you need like sign-up bonuses and awesome rewards.

Choose from these categories:

Best Credit Card Offers of 2017

Credit Card	What You Get
Chase Sapphire Preferred® Card Apply Today	Get a $625 Reward for Travel Bonus Offer Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards Rewards Rate 1 point/ $1 Annual Fee $95 (Free on the first year)	Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 23.49% Variable APR
BankAmericard Travel Rewards® Credit Card Apply Today	No Annual Fee with Travel Rewards Bonus Offer Spend $1,000 in the first 3 months and get 20,000 bonus points. That can be equivalent to a $200 statement credit for travel Rewards Rate 1.5 points/ $1 Annual Fee Free	Recommended Credit Score Intro APR 0% on Purchases (12 billing cycles) Ongoing APR 15.49% - 23.49% Variable APR
Discover it® - 18 Month Balance Transfer Apply Today	Cash rewards with 0% Intro APR on Balance Transfer Bonus Offer Cashback Match doubles all the cash back you earned in your first year. Easily get $200 more when you earn $200 as cash back during your first year. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 0% on Purchases (6 months) 0% on Balance Transfers (18 months) Ongoing APR 11.49% - 23.49% Variable APR
Blue Cash Preferred® Card from American Express Apply Today	Best rewards for everyday spending Bonus Offer Spend $1,000 in the first 3 months and you’ll get $150 back Rewards Rate 1% Annual Fee $95	Recommended Credit Score Intro APR 0% on Purchases and Balance Transfers (12 months) Ongoing APR 13.49% – 23.49% Variable APR

Credit Card

What You Get

Chase Sapphire Preferred® Card

Get a $625 Reward for Travel

Bonus Offer
Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards

Rewards Rate
1 point/ $1

Annual Fee
$95 (Free on the first year)

Recommended Credit Score

Intro APR
N/A

Ongoing APR
16.49% - 23.49% Variable APR

BankAmericard Travel Rewards® Credit Card

No Annual Fee with Travel Rewards

Bonus Offer
Spend $1,000 in the first 3 months and get 20,000 bonus points. That can be equivalent to a $200 statement credit for travel

Rewards Rate
1.5 points/ $1

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Purchases (12 billing cycles)

Ongoing APR
15.49% - 23.49% Variable APR

Discover it® - 18 Month Balance Transfer

Cash rewards with 0% Intro APR on Balance Transfer

Bonus Offer
Cashback Match doubles all the cash back you earned in your first year. Easily get $200 more when you earn $200 as cash back during your first year.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Purchases (6 months)
0% on Balance Transfers (18 months)

Ongoing APR
11.49% - 23.49% Variable APR

Blue Cash Preferred® Card from American Express

Best rewards for everyday spending

Bonus Offer
Spend $1,000 in the first 3 months and you’ll get $150 back

Rewards Rate
1%

Annual Fee
$95

Recommended Credit Score

Intro APR
0% on Purchases and Balance Transfers (12 months)

Ongoing APR
13.49% – 23.49% Variable APR

Credit Card
Chase Sapphire Preferred® Card Apply Today Get a $625 Reward for Travel Bonus Offer Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards Rewards Rate 1 point/ $1 Annual Fee $95 (Free on the first year) Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 23.49% Variable APR

BankAmericard Travel Rewards® Credit Card Apply Today No Annual Fee with Travel Rewards Bonus Offer Spend $1,000 in the first 3 months and get 20,000 bonus points. That can be equivalent to a $200 statement credit for travel Rewards Rate 1.5 points/ $1 Annual Fee Free Recommended Credit Score Intro APR 0% on Purchases (12 billing cycles) Ongoing APR 15.49% - 23.49% Variable APR

Discover it® - 18 Month Balance Transfer Apply Today Cash rewards with 0% Intro APR on Balance Transfer Bonus Offer Cashback Match doubles all the cash back you earned in your first year. Easily get $200 more when you earn $200 as cash back during your first year. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 0% on Purchases (6 months) 0% on Balance Transfers (18 months) Ongoing APR 11.49% - 23.49% Variable APR

Blue Cash Preferred® Card from American Express Apply Today Best rewards for everyday spending Bonus Offer Spend $1,000 in the first 3 months and you’ll get $150 back Rewards Rate 1% Annual Fee $95 Recommended Credit Score Intro APR 0% on Purchases and Balance Transfers (12 months) Ongoing APR 13.49% – 23.49% Variable APR

Learn More About Best Offer Credit Cards

Categories

Best Balance Transfer Credit Cards of 2017

Credit Card	What You Get
Discover it® - 18 Month Balance Transfer Apply Today	Cash rewards with 0% Intro APR on Balance Transfer Bonus Offer Cashback Match doubles all the cash back you earned in your first year. Easily get $200 more when you earn $200 cash back during your first year. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 0% on Purchases (6 months) 0% on Balance Transfers (18 months) Ongoing APR 11.49% - 23.49% Variable APR
BankAmericard® Credit Card Apply Today	0% APR (18 billing cycles) and low ongoing APR Bonus Offer None Rewards Rate No Rewards Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers (18 billing cycles) in the first 60 days Ongoing APR 11.49% - 21.49% Variable APR
Chase Slate® Apply Today	0% APR for 15 months and $0 introductory balance transfer fee Bonus Offer Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost. Rewards Rate 0% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR

Credit Card

What You Get

Discover it® - 18 Month Balance Transfer

Cash rewards with 0% Intro APR on Balance Transfer

Bonus Offer
Cashback Match doubles all the cash back you earned in your first year. Easily get $200 more when you earn $200 cash back during your first year.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Purchases (6 months)
0% on Balance Transfers (18 months)

Ongoing APR
11.49% - 23.49% Variable APR

BankAmericard® Credit Card

0% APR (18 billing cycles) and low ongoing APR

Bonus Offer
None

Rewards Rate
No Rewards

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers (18 billing cycles) in the first 60 days

Ongoing APR
11.49% - 21.49% Variable APR

Chase Slate®

0% APR for 15 months and $0 introductory balance transfer fee

Bonus Offer
Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost.

Rewards Rate
0%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (15 months)

Ongoing APR
15.49% - 24.24% Variable APR

Credit Card
Discover it® - 18 Month Balance Transfer Apply Today Cash rewards with 0% Intro APR on Balance Transfer Bonus Offer Cashback Match doubles all the cash back you earned in your first year. Easily get $200 more when you earn $200 cash back during your first year. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 0% on Purchases (6 months) 0% on Balance Transfers (18 months) Ongoing APR 11.49% - 23.49% Variable APR

BankAmericard® Credit Card Apply Today 0% APR (18 billing cycles) and low ongoing APR Bonus Offer None Rewards Rate No Rewards Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers (18 billing cycles) in the first 60 days Ongoing APR 11.49% - 21.49% Variable APR

Chase Slate® Apply Today 0% APR for 15 months and $0 introductory balance transfer fee Bonus Offer Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost. Rewards Rate 0% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR

Learn More About Balance Transfer Credit Cards

Categories

Best Cash Back Credit Cards of 2017

Credit Card	What You Get
Discover it® - Cashback Match™ Apply Today	Big first year bonus with 5% cash back Bonus Offer For new card members, we offer a Cashback Match for the first year. All cash back earned will be matched. Get $400 cash back for just $200 cash back earned. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (14 months) Ongoing APR 11.49% - 23.49% Variable APR
Chase Freedom Unlimited℠ Apply Today	Sign-up bonus of $150 cash with 1.5% cash back Bonus Offer Spend $500 in the first 3 months and you will get a $150 cash bonus Rewards Rate 1.5% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR
Blue Cash Preferred® Card from American Express Apply Today	Get 6% cash back at supermarkets and 3% at gas stations Bonus Offer Spend $1,000 in the first 3 months and you’ll get $150 back Rewards Rate 1% Annual Fee $95	Recommended Credit Score Intro APR 0% on Purchases and Balance Transfers (12 months) Ongoing APR 13.49% – 23.49% Variable APR

Credit Card

What You Get

Discover it® - Cashback Match™

Big first year bonus with 5% cash back

Bonus Offer
For new card members, we offer a Cashback Match for the first year. All cash back earned will be matched. Get $400 cash back for just $200 cash back earned.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (14 months)

Ongoing APR
11.49% - 23.49% Variable APR

Chase Freedom Unlimited℠

Sign-up bonus of $150 cash with 1.5% cash back

Bonus Offer
Spend $500 in the first 3 months and you will get a $150 cash bonus

Rewards Rate
1.5%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (15 months)

Ongoing APR
15.49% - 24.24% Variable APR

Blue Cash Preferred® Card from American Express

Get 6% cash back at supermarkets and 3% at gas stations

Bonus Offer
Spend $1,000 in the first 3 months and you’ll get $150 back

Rewards Rate
1%

Annual Fee
$95

Recommended Credit Score

Intro APR
0% on Purchases and Balance Transfers (12 months)

Ongoing APR
13.49% – 23.49% Variable APR

Credit Card
Discover it® - Cashback Match™ Apply Today Big first year bonus with 5% cash back Bonus Offer For new card members, we offer a Cashback Match for the first year. All cash back earned will be matched. Get $400 cash back for just $200 cash back earned. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (14 months) Ongoing APR 11.49% - 23.49% Variable APR

Chase Freedom Unlimited℠ Apply Today Sign-up bonus of $150 cash with 1.5% cash back Bonus Offer Spend $500 in the first 3 months and you will get a $150 cash bonus Rewards Rate 1.5% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR

Blue Cash Preferred® Card from American Express Apply Today Get 6% cash back at supermarkets and 3% at gas stations Bonus Offer Spend $1,000 in the first 3 months and you’ll get $150 back Rewards Rate 1% Annual Fee $95 Recommended Credit Score Intro APR 0% on Purchases and Balance Transfers (12 months) Ongoing APR 13.49% – 23.49% Variable APR

Learn More About Cash Back Credit Cards

Categories

Best Travel Credit Cards of 2017

Credit Card	What You Get
Chase Sapphire Preferred® Card Apply Today	Get a $625 Reward for Travel Bonus Offer Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards Rewards Rate 1 point/ $1 Annual Fee $95 (Free on the first year)	Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 23.49% Variable APR
BankAmericard Travel Rewards® Credit Card Apply Today	No Annual Fee with Travel Rewards Bonus Offer Spend $1,000 in the first 3 months and get 20,000 bonus points. That can be equivalent to a $200 statement credit for travel Rewards Rate 1.5 points/ $1 Annual Fee Free	Recommended Credit Score Intro APR 0% on Purchases (12 billing cycles) Ongoing APR 15.49% - 23.49% Variable APR
Capital One® Venture® Rewards Credit Card Apply Today	Easily double your travel rewards Bonus Offer Spend $3,000 in the first 3 months and you’ll get 40,000 miles on your card. That's $400 you can spend on travel. Rewards Rate 2 miles Annual Fee $59(Free first year)	Recommended Credit Score Intro APR N/A Ongoing APR 13.49% – 23.49% Variable APR

Credit Card

What You Get

Chase Sapphire Preferred® Card

Get a $625 Reward for Travel

Bonus Offer
Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards

Rewards Rate
1 point/ $1

Annual Fee
$95 (Free on the first year)

Recommended Credit Score

Intro APR
N/A

Ongoing APR
16.49% - 23.49% Variable APR

BankAmericard Travel Rewards® Credit Card

No Annual Fee with Travel Rewards

Bonus Offer
Spend $1,000 in the first 3 months and get 20,000 bonus points. That can be equivalent to a $200 statement credit for travel

Rewards Rate
1.5 points/ $1

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Purchases (12 billing cycles)

Ongoing APR
15.49% - 23.49% Variable APR

Capital One® Venture® Rewards Credit Card

Easily double your travel rewards

Bonus Offer
Spend $3,000 in the first 3 months and you’ll get 40,000 miles on your card. That's $400 you can spend on travel.

Rewards Rate
2 miles

Annual Fee
$59(Free first year)

Recommended Credit Score

Intro APR
N/A

Ongoing APR
13.49% – 23.49% Variable APR

Credit Card
Chase Sapphire Preferred® Card Apply Today Get a $625 Reward for Travel Bonus Offer Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards Rewards Rate 1 point/ $1 Annual Fee $95 (Free on the first year) Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 23.49% Variable APR

BankAmericard Travel Rewards® Credit Card Apply Today No Annual Fee with Travel Rewards Bonus Offer Spend $1,000 in the first 3 months and get 20,000 bonus points. That can be equivalent to a $200 statement credit for travel Rewards Rate 1.5 points/ $1 Annual Fee Free Recommended Credit Score Intro APR 0% on Purchases (12 billing cycles) Ongoing APR 15.49% - 23.49% Variable APR

Capital One® Venture® Rewards Credit Card Apply Today Easily double your travel rewards Bonus Offer Spend $3,000 in the first 3 months and you’ll get 40,000 miles on your card. That's $400 you can spend on travel. Rewards Rate 2 miles Annual Fee $59(Free first year) Recommended Credit Score Intro APR N/A Ongoing APR 13.49% – 23.49% Variable APR

Learn More About Travel Credit Cards

Categories

Best Rewards Credit Cards of 2017

Credit Card	What You Get
Chase Sapphire Preferred® Card Apply Today	Get a $625 Reward for Travel Bonus Offer Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards. Rewards Rate 1 point/ $1 Annual Fee $95 (Free on the first year)	Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 23.49% Variable APR
Blue Cash Preferred® Card from American Express Apply Today	Get 6% cash back at supermarkets and 3% at gas stations Bonus Offer Spend $1,000 in the first 3 months and you’ll get $150 back Rewards Rate 1% Annual Fee $95	Recommended Credit Score Intro APR 0% on Purchases and Balance Transfers (12 months) Ongoing APR 13.49% – 23.49% Variable APR
Discover it® - Cashback Match™ Apply Today	Big first year bonus with 5% cash back Bonus Offer For new card members, we offer a Cashback Match for the first year. All cash back earned will be matched. Get $400 cash back for just $200 cash back earned. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (14 months) Ongoing APR 11.49% - 23.49% Variable APR

Credit Card

What You Get

Chase Sapphire Preferred® Card

Get a $625 Reward for Travel

Bonus Offer
Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards.

Rewards Rate
1 point/ $1

Annual Fee
$95 (Free on the first year)

Recommended Credit Score

Intro APR
N/A

Ongoing APR
16.49% - 23.49% Variable APR

Blue Cash Preferred® Card from American Express

Get 6% cash back at supermarkets and 3% at gas stations

Bonus Offer
Spend $1,000 in the first 3 months and you’ll get $150 back

Rewards Rate
1%

Annual Fee
$95

Recommended Credit Score

Intro APR
0% on Purchases and Balance Transfers (12 months)

Ongoing APR
13.49% – 23.49% Variable APR

Discover it® - Cashback Match™

Big first year bonus with 5% cash back

Bonus Offer
For new card members, we offer a Cashback Match for the first year. All cash back earned will be matched. Get $400 cash back for just $200 cash back earned.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (14 months)

Ongoing APR
11.49% - 23.49% Variable APR

Credit Card
Chase Sapphire Preferred® Card Apply Today Get a $625 Reward for Travel Bonus Offer Spend $4,000 in the first 3 months and get 50,000 bonus points. That's equal to $625 for travel which is redeemable with Chase Ultimate Rewards. Rewards Rate 1 point/ $1 Annual Fee $95 (Free on the first year) Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 23.49% Variable APR

Blue Cash Preferred® Card from American Express Apply Today Get 6% cash back at supermarkets and 3% at gas stations Bonus Offer Spend $1,000 in the first 3 months and you’ll get $150 back Rewards Rate 1% Annual Fee $95 Recommended Credit Score Intro APR 0% on Purchases and Balance Transfers (12 months) Ongoing APR 13.49% – 23.49% Variable APR

Discover it® - Cashback Match™ Apply Today Big first year bonus with 5% cash back Bonus Offer For new card members, we offer a Cashback Match for the first year. All cash back earned will be matched. Get $400 cash back for just $200 cash back earned. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (14 months) Ongoing APR 11.49% - 23.49% Variable APR

Learn More About Rewards Credit Cards

Categories

Best Low Interest Credit Cards of 2017

Credit Card	What You Get
BankAmericard® Credit Card Apply Today	0% APR (18 billing cycles) and low ongoing APR Bonus Offer None Rewards Rate No Rewards Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers (18 billing cycles) in the first 60 days Ongoing APR 11.49% - 21.49% Variable APR
Chase Slate® Apply Today	0% APR for 15 months and $0 introductory balance transfer fee Bonus Offer Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost. Rewards Rate 0% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR
Barclaycard Ring MasterCard® Apply Today	Best interest rates in the market Bonus Offer For purchases and balance transfers, enjoy a low variable APR Rewards Rate 0% Annual Fee Free	Recommended Credit Score Intro APR N/A Ongoing APR 8.5% Variable APR

Credit Card

What You Get

BankAmericard® Credit Card

0% APR (18 billing cycles) and low ongoing APR

Bonus Offer
None

Rewards Rate
No Rewards

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers (18 billing cycles) in the first 60 days

Ongoing APR
11.49% - 21.49% Variable APR

Chase Slate®

0% APR for 15 months and $0 introductory balance transfer fee

Bonus Offer
Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost.

Rewards Rate
0%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (15 months)

Ongoing APR
15.49% - 24.24% Variable APR

Barclaycard Ring MasterCard®

Best interest rates in the market

Bonus Offer
For purchases and balance transfers, enjoy a low variable APR

Rewards Rate
0%

Annual Fee
Free

Recommended Credit Score

Intro APR
N/A

Ongoing APR
8.5% Variable APR

Credit Card
BankAmericard® Credit Card Apply Today 0% APR (18 billing cycles) and low ongoing APR Bonus Offer None Rewards Rate No Rewards Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers (18 billing cycles) in the first 60 days Ongoing APR 11.49% - 21.49% Variable APR

Chase Slate® Apply Today 0% APR for 15 months and $0 introductory balance transfer fee Bonus Offer Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost. Rewards Rate 0% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR

Barclaycard Ring MasterCard® Apply Today Best interest rates in the market Bonus Offer For purchases and balance transfers, enjoy a low variable APR Rewards Rate 0% Annual Fee Free Recommended Credit Score Intro APR N/A Ongoing APR 8.5% Variable APR

Learn More About Low Interest Credit Cards

Categories

Best Small Business Credit Cards of 2017

Credit Card	What You Get
SimplyCash® Plus Business Credit Card from American Express Apply Today	Get to pick the category for your Rewards Bonus Offer When you spend $5,000 on qualified Purchases in the first 6 months, get $200 statement credit. In addition, get another $200 statement credit when you spend an additional $10,000 on qualified Purchases within your first year. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 0% for Purchases (9 months) Ongoing APR 12.74% - 19.74% Variable APR
Ink Business Cash℠ Credit Card Apply Today	No annual fees, more cash back Bonus Offer Spend $3,000 on your card and get $300 Cash back during the first 3 months. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (12 months) Ongoing APR 13.74% - 19.74% Variable APR
Ink Business Preferred℠ Credit Card Apply Today	Receive an introductory bonus of $1,000 for travel Bonus Offer When you spend $5,000 in the first 3 months, get 80,000 bonus points. That's equivalent to $1,000 that you can use for travel(Chase Ultimate Rewards®) Rewards Rate 1 point/$1 Annual Fee $95	Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 21.49% Variable APR
Capital One® Spark® Cash for Business Apply Today	2% Cash back Bonus Offer Get $500 cash when you spend $4,500 in the first 3 months Rewards Rate 2% Annual Fee $59(Free first year)	Recommended Credit Score Intro APR N/A Ongoing APR 17.49% Variable APR

Credit Card

What You Get

SimplyCash® Plus Business Credit Card from American Express

Get to pick the category for your Rewards

Bonus Offer
When you spend $5,000 on qualified Purchases in the first 6 months, get $200 statement credit. In addition, get another $200 statement credit when you spend an additional $10,000 on qualified Purchases within your first year.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% for Purchases (9 months)

Ongoing APR
12.74% - 19.74% Variable APR

Ink Business Cash℠ Credit Card

Apply Today

No annual fees, more cash back

Bonus Offer
Spend $3,000 on your card and get $300 Cash back during the first 3 months.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (12 months)

Ongoing APR
13.74% - 19.74% Variable APR

Ink Business Preferred℠ Credit Card

Apply Today

Receive an introductory bonus of $1,000 for travel

Bonus Offer
When you spend $5,000 in the first 3 months, get 80,000 bonus points. That's equivalent to $1,000 that you can use for travel(Chase Ultimate Rewards®)

Rewards Rate
1 point/$1

Annual Fee
$95

Recommended Credit Score

Intro APR
N/A

Ongoing APR
16.49% - 21.49% Variable APR

Capital One® Spark® Cash for Business

Apply Today

2% Cash back

Bonus Offer
Get $500 cash when you spend $4,500 in the first 3 months

Rewards Rate
2%

Annual Fee
$59(Free first year)

Recommended Credit Score

Intro APR
N/A

Ongoing APR
17.49% Variable APR

Credit Card
SimplyCash® Plus Business Credit Card from American Express Apply Today Get to pick the category for your Rewards Bonus Offer When you spend $5,000 on qualified Purchases in the first 6 months, get $200 statement credit. In addition, get another $200 statement credit when you spend an additional $10,000 on qualified Purchases within your first year. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 0% for Purchases (9 months) Ongoing APR 12.74% - 19.74% Variable APR

Ink Business Cash℠ Credit Card Apply Today No annual fees, more cash back Bonus Offer Spend $3,000 on your card and get $300 Cash back during the first 3 months. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (12 months) Ongoing APR 13.74% - 19.74% Variable APR

Ink Business Preferred℠ Credit Card Apply Today Receive an introductory bonus of $1,000 for travel Bonus Offer When you spend $5,000 in the first 3 months, get 80,000 bonus points. That's equivalent to $1,000 that you can use for travel(Chase Ultimate Rewards®) Rewards Rate 1 point/$1 Annual Fee $95 Recommended Credit Score Intro APR N/A Ongoing APR 16.49% - 21.49% Variable APR

Capital One® Spark® Cash for Business Apply Today 2% Cash back Bonus Offer Get $500 cash when you spend $4,500 in the first 3 months Rewards Rate 2% Annual Fee $59(Free first year) Recommended Credit Score Intro APR N/A Ongoing APR 17.49% Variable APR

Learn More About Small Business Credit Cards

Categories

Best Average Credit – Credit Cards of 2017

Credit Card	What You Get
Capital One® QuicksilverOne® Cash Rewards Credit Card Apply Today	Get 1.5% Cash back Bonus Offer Receive 1.5% cash back on all your purchases Rewards Rate 1.5% Annual Fee $39	Recommended Credit Score Intro APR N/A Ongoing APR 24.99% Variable APR
Chase Slate® Apply Today	Get no interest for 15 months and $0 introductory balance transfer fee Bonus Offer Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost. Rewards Rate 0% Annual Fee Free	Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR

Credit Card

What You Get

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Today

Get 1.5% Cash back

Bonus Offer
Receive 1.5% cash back on all your purchases

Rewards Rate
1.5%

Annual Fee
$39

Recommended Credit Score

Intro APR
N/A

Ongoing APR
24.99% Variable APR

Chase Slate®

Apply Today

Get no interest for 15 months and $0 introductory balance transfer fee

Bonus Offer
Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost.

Rewards Rate
0%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (15 months)

Ongoing APR
15.49% - 24.24% Variable APR

Credit Card
Capital One® QuicksilverOne® Cash Rewards Credit Card Apply Today Get 1.5% Cash back Bonus Offer Receive 1.5% cash back on all your purchases Rewards Rate 1.5% Annual Fee $39 Recommended Credit Score Intro APR N/A Ongoing APR 24.99% Variable APR

Chase Slate® Apply Today Get no interest for 15 months and $0 introductory balance transfer fee Bonus Offer Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost. Rewards Rate 0% Annual Fee Free Recommended Credit Score Intro APR 0% on Balance Transfers and Purchases (15 months) Ongoing APR 15.49% - 24.24% Variable APR

Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Today

Get 1.5% Cash back

Bonus Offer
Receive 1.5% cash back on all your purchases

Rewards Rate
1.5%

Annual Fee
$39

Recommended Credit Score

Intro APR
N/A

Ongoing APR
24.99% Variable APR

Chase Slate®

Apply Today

Get no interest for 15 months and $0 introductory balance transfer fee

Bonus Offer
Enjoy a $0 intro balance transfer fee and 0% intro APR for 15 months. You also get to receive your Monthly FICO® Score at no cost.

Rewards Rate
0%

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Balance Transfers and Purchases (15 months)

Ongoing APR
15.49% - 24.24% Variable APR

Learn More About Average Credit Credit Cards

Categories

Best Rebuilding Credit – Credit Cards of 2017

Credit Card	What You Get
Discover it® Secured Card Apply Today	Get a secured card with Cash back Bonus Offer None Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 10.99% for Balance Transfers (6 months) Ongoing APR 23.49% Variable APR
Capital One® Secured MasterCard® Apply Today	Get a secured card with minimal fees Bonus Offer None Rewards Rate 0% Annual Fee Free	Recommended Credit Score Intro APR N/A Ongoing APR 24.99% Variable APR
First Progress Platinum Elite MasterCard® Secured Credit Card Apply Today	Build your credit today Bonus Offer None Rewards Rate N/A Annual Fee $29	Recommended Credit Score Intro APR N/A Ongoing APR 19.99% Variable APR

Credit Card

What You Get

Discover it® Secured Card

Apply Today

Get a secured card with Cash back

Bonus Offer
None

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
10.99% for Balance Transfers (6 months)

Ongoing APR
23.49% Variable APR

Capital One® Secured MasterCard®

Apply Today

Get a secured card with minimal fees

Bonus Offer
None

Rewards Rate
0%

Annual Fee
Free

Recommended Credit Score

Intro APR
N/A

Ongoing APR
24.99% Variable APR

First Progress Platinum Elite MasterCard® Secured Credit Card

Apply Today

Build your credit today

Bonus Offer
None

Rewards Rate
N/A

Annual Fee
$29

Recommended Credit Score

Intro APR
N/A

Ongoing APR
19.99% Variable APR

Credit Card
Discover it® Secured Card Apply Today Get a secured card with Cash back Bonus Offer None Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 10.99% for Balance Transfers (6 months) Ongoing APR 23.49% Variable APR

Capital One® Secured MasterCard® Apply Today Get a secured card with minimal fees Bonus Offer None Rewards Rate 0% Annual Fee Free Recommended Credit Score Intro APR N/A Ongoing APR 24.99% Variable APR

First Progress Platinum Elite MasterCard® Secured Credit Card Apply Today Build your credit today Bonus Offer None Rewards Rate N/A Annual Fee $29 Recommended Credit Score Intro APR N/A Ongoing APR 19.99% Variable APR

Learn More About Rebuilding Credit Credit Cards

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Best Student Credit Cards of 2017

Credit Card	What You Get
Discover it® for Students Apply Today	Get 5% Cash back on qualified purchases Bonus Offer For new members, all cash back is matched by Discover during the first year. Rewards Rate 1% Annual Fee Free	Recommended Credit Score Intro APR 10.99% on Balance Transfers and 0% on Purchases(6 months) Ongoing APR 13.49% - 22.49% Variable APR
Citi ThankYou® Preferred Card for College Students Apply Today	Double the Rewards on Entertainment and Dining Bonus Offer Spend $500 in your first 3 months to get 2,500 ThankYou Points. Rewards Rate 1 point/$1 Annual Fee Free	Recommended Credit Score Intro APR 0% on Purchases (7 months) Ongoing APR 14.49% - 24.49% Variable APR

Credit Card

What You Get

Discover it® for Students

Apply Today

Get 5% Cash back on qualified purchases

Bonus Offer
For new members, all cash back is matched by Discover during the first year.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
10.99% on Balance Transfers and 0% on Purchases(6 months)

Ongoing APR
13.49% - 22.49% Variable APR

Citi ThankYou® Preferred Card for College Students

Apply Today

Double the Rewards on Entertainment and Dining

Bonus Offer
Spend $500 in your first 3 months to get 2,500 ThankYou Points.

Rewards Rate
1 point/$1

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Purchases (7 months)

Ongoing APR
14.49% - 24.49% Variable APR

Credit Card
Discover it® for Students Apply Today Get 5% Cash back on qualified purchases Bonus Offer For new members, all cash back is matched by Discover during the first year. Rewards Rate 1% Annual Fee Free Recommended Credit Score Intro APR 10.99% on Balance Transfers and 0% on Purchases(6 months) Ongoing APR 13.49% - 22.49% Variable APR

Citi ThankYou® Preferred Card for College Students Apply Today Double the Rewards on Entertainment and Dining Bonus Offer Spend $500 in your first 3 months to get 2,500 ThankYou Points. Rewards Rate 1 point/$1 Annual Fee Free Recommended Credit Score Intro APR 0% on Purchases (7 months) Ongoing APR 14.49% - 24.49% Variable APR

Credit Card

Discover it® for Students

Apply Today

Get 5% Cash back on qualified purchases

Bonus Offer
For new members, all cash back is matched by Discover during the first year.

Rewards Rate
1%

Annual Fee
Free

Recommended Credit Score

Intro APR
10.99% on Balance Transfers and 0% on Purchases(6 months)

Ongoing APR
13.49% - 22.49% Variable APR

Citi ThankYou® Preferred Card for College Students

Apply Today

Double the Rewards on Entertainment and Dining

Bonus Offer
Spend $500 in your first 3 months to get 2,500 ThankYou Points.

Rewards Rate
1 point/$1

Annual Fee
Free

Recommended Credit Score

Intro APR
0% on Purchases (7 months)

Ongoing APR
14.49% - 24.49% Variable APR

Learn More About Student Credit Cards

Categories

A Four Step Guide to Picking the Best Credit Card

If you’re thinking of applying for a credit card there are various factors you should consider prior to submitting your application. There isn’t a definitive superior card on the market – the best card for you will depend on your particular situation. You should ensure you consider all aspects of prospective cards prior to applying – applying for cards can impact your credit score and should not be done without substantial research.

In this guide, we will describe four quick steps you should take prior to making a decision on which card to apply for.

1. Credit Score Check

Before you apply for a card you should make sure to check your credit score so you know which credit cards you are likely to be eligible for. You don’t want to waste your time applying for a card that you will never be approved for, it will negatively impact your score and affect your ability to receive credit in the future. If you want to check your credit score there are two primary ways to do so:

If you already have a credit card most lenders will provide you with your score free of charge – contact them if you don’t know how to access this feature.
The three major credit reporting agencies will sell you your score for a relatively low fee. These agencies include Experian, Equifax, and TransUnion.

If you find that your score is lower than needed to apply for most major cards, you should begin steps to improve your score. There are various ways to help improve your score, including paying down current debt, and reducing your current expenditure. In addition, you can often contract credit repair companies to help you remove unwanted items from your report – it’s a great way to immediately improve your score.

2. Determine Which Card is Best for You

There are three primary categories of credit card:

1. Cards that you can use to build or rebuild your current credit score

2. Cards that have low-interest and save you money over time

3. Cards that allow you to accumulate awards (travel, cashback, etc.)

Don’t apply for a card that doesn’t provide for your needs. If you don’t travel, applying for a travel card will be a both a waste of time and money.

BUILD OR REBUILD CREDIT

If you’re currently studying at college you can most likely receive a student credit card which can help you start building your credit – these cards typically require little to no credit history. If you have a poor credit score you can access a secured credit card which requires you to make a deposit equal to the credit limit on the card. This ensures that you won’t be able to default on the card’s balance.

LOW INTEREST

Many cards offer lower interest than some of the rewards cards which typically have much higher interest rates. In addition, plenty of credit cards offer introductory interest free periods which will make sure you aren’t charged interest on initial charges. Some cards will also allow you to transfer your current credit card balance to a new credit card in order to take advantage of low interest and interest free introductory offers.

REWARDS CARDS

Rewards cards allow you to accumulate rewards points which can be redeemed for flights, travel, and other items. You will only want to use one of these cards if you are able to pay off most of your balance in full each month – they have high interest rates and annual fees.

3. Determine the Best Choice by Asking Honest Questions

It’s easy to convince yourself of something that is untrue – that’s why it’s important to be honest with yourself when it comes to choosing a credit card. You don’t want to end up wasting money on a certain type of card purely because you thought the offer sounded enticing. We’ve compiled some questions to ask about each type of card before submitting your application.

BUILD OR REBUILD CREDIT

Is this card accessible?

Because you lack a credit score, you should be sure that you can receive the card prior to applying – have a look online at what common past scores have been accepted for the card you want to apply for.

What are the associated costs?

Make sure to check how much the annual fee is, as well as the amount of money you will owe in interest should you carry a balance on the card.

Can I move on to a better card at a later date?

Choose a card that will reflect positively on your credit report – the aim should be to move onto a better card later on.

LOW INTEREST

Length of interest free period and regular interest rate?

Check out how long the interest free period is, also make sure to compare the interest rate with other recommended cards.

What are the balance transfer terms?

You’ll want to make sure the card has a balance transfer function. You also need to be aware of any fees associated with balance transfers.

Are there additional benefits?

Most low interest cards don’t come with additional benefits, but make sure you compare all cards before deciding on a lender because sometimes promotions will include rewards for low interest cards.

REWARDS CARDS

Am I a big spender?

If you’re a big spender a rewards card may be justified. You will be able to accumulate enough points to offset the cost of the annual fee and higher interest rates.

Is the card too complicated?

Some rewards cards require you to book with certain airlines and at specific times, it can often be too hard to redeem your rewards if you use an overly complicated card.

What are my points worth?

Depending on the card you have, the value of your points will differ. Make sure to check out the level of reward redeemable for your points so that you know the true value of your rewards.

4. Seek a Card That Gives You the Most Personal Value

It can be easy to spot a bad card, but choosing between your top choices can be quite difficult. That’s why it’s important to ask you a few more questions if you’re having problems making your final decision. Think about the following things for each card when deciding on which to apply for.

BUILD OR REBUILD CREDIT CARDS

You should prioritize cards that allow you to increase your credit limit over time.
If you have a secured card, some providers will allow you to earn interest on your deposit.

LOW INTEREST CREDIT CARDS

Some lenders provide debt management tools which can help you pay off your current credit card balance quickly.
Some lenders have reduced or waived late fees for payments – this can save you money if you end up needing extra time to pay your bill.

REWARDS CREDIT CARDS

Some cards require very little spending to trigger bonuses, these should prioritized if you’re a lower spender.
Some lenders have expiration dates on their rewards, opt for those who don’t.

Remember you can include household income on your credit card application. In addition, your student loans count as income for many lenders.

Next Steps After Your Application?

After you receive your credit card you should use it as a tool to maintain or build your credibility with lenders. Use your card effectively, pay it off on time, and avoid as much interest as possible.