Best Credit Cards

BEST SIGN-UP BONUS CREDIT CARD

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Earn 2X points on travel and dining. Chase also allows you to transfer points to a number of frequent flyer programs at a one point per dollar rate. But you can truly maximize value by transferring points from any of your other Chase cards.

At A Glance

Intro Bonus60,000 points?Annual Fee$95Regular APR18.24% – 25.24% variable

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  • 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

Rates & Fees

Annual Fee$95Intro Purchase APRN/ARegular APR18.24% – 25.24% VariableIntro Balance Transfers APRN/A

BEST CASH BACK CREDIT CARD FOR FLAT-RATE REWARDS

Chase Freedom Unlimited®

Chase Freedom Unlimited®

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Chase’s Secure SiteRewards Rate3%Earn 3% cash back on all purchases in your first year up to $20,000 spent. 
1.5%Earn unlimited 1.5% cash back on all purchases after initial $20,000 spend in your first year. 

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  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Rates & Fees

Annual Fee$0Intro Purchase APR0% Intro APR on Purchases for 15 monthsRegular APR17.24% – 25.99% VariableIntro Balance Transfers APR0% Intro APR on Balance Transfers for 15 months

BEST CASH BACK CREDIT CARD FOR EVERYDAY SPENDING

Discover it® Cash Back

Discover it® Cash Back

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Discover’s Secure SiteRewards Rate5%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%Earn 1% unlimited cash back on all other purchases – automatically. 

At A Glance

Intro BonusCashback Match™?Annual Fee$0Regular APR14.24% – 25.24% variable

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  • 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.

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 14 monthsRegular APR14.24% – 25.24% VariableIntro Balance Transfers APR0% for 14 month

BEST TRAVEL REWARDS CREDIT CARD

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate10XEarn 10X miles on thousands of hotels; learn more at hotels.com/venture 
2XEarn 2X miles on every purchase, every day 

At A Glance

Intro Bonus50,000 miles?Annual Fee$95, waived first yearRegular APR17.99% – 25.24% variable

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  • 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

Rates & Fees

Annual Fee$0 intro for first year; $95 after thatIntro Purchase APRN/ARegular APR17.99% – 25.24% (Variable)Intro Balance Transfers APRN/A

BEST REWARDS CREDIT CARD

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Wells Fargo’s Secure SiteRewards Rate3XEarn 3X points for eating out and ordering in 
3XEarn 3X points for gas stations, rideshares and transit 
3XEarn 3X points for travel including flights, hotels, homestays and car rentals 
1XEarn 1X points on other purchases 

At A Glance

Intro Bonus30,000 points?Annual Fee$0Regular APR16.24% – 27.24% variable

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  • 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

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 12 monthsRegular APR16.24% to 27.24% (Variable)Intro Balance Transfers APR0% for 12 months on qualifying balance transfers

BEST 0% APR CREDIT CARD

Wells Fargo Platinum Visa card

Wells Fargo Platinum Visa card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Wells Fargo’s Secure SiteRewards RateThis card doesn’t offer cash back, miles, or points 

At A Glance

Intro BonusNo current offerAnnual Fee$0Regular APR13.74% – 27.24% variable

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  • 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

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 18 monthsRegular APR13.74%-27.24% (Variable)Intro Balance Transfers APR0% for 18 months on qualifying balance transfers

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Overall Creditcards.com Rating

Balance Transfer Rating:4.4of 5

BEST NO ANNUAL FEE CREDIT CARD

Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate10XEarn 10X miles on thousands of hotels; learn more at hotels.com/venture 
1.25XEarn 1.25X miles on every purchase, every day 

THIS CARD IS BEST FOR

Consumers looking for a flexible no-annual-fee card

Why Apply?

This card’s welcome offer is hard to beat. If you travel often, you’ll probably enjoy the best-in-class hotel rewards program too: Earn a whopping 10X points per dollar when you book and pay for hotels via hotels.com/venture.

At A Glance

Intro Bonus20,000 miles?Annual Fee$0Regular APR14.24% – 24.24% variable

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  • $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

Rates & Fees

Annual Fee$0Intro Purchase APR0% intro on purchases for 12 monthsRegular APR14.24% – 24.24% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:3.5of 5

Annual Percentage Rate:4.2Rewards Flexibility:5.0Customer Experience:3.7Ratings Policy

BEST BALANCE TRANSFER CREDIT CARD

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U.S. Bank Visa® Platinum Card

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U.S. Bank Visa® Platinum Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat U.S. Bank’s Secure SiteRewards RateThis card doesn’t offer cash back, miles, or points 

THIS CARD IS BEST FOR

Someone who currently pays high interest on debt

Why Apply?

This card offers a lengthy intro APR period on balance transfers. The relatively low regular APR (applies after the intro period is up) provides even further cushion should you have any remaining balance.

At A Glance

Intro BonusNo current offerAnnual Fee$0*Regular APR14.74% – 25.74% variable

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  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.74% – 25.74%
  • Great offer from U.S. Bank, a 2019 World’s Most Ethical Company® – Ethisphere Institute, February 2019
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule
  • 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

Rates & Fees

Annual Fee$0*Intro Purchase APR0%* for 20 billing cycles on purchases*Regular APR14.74% – 25.74%* (Variable)Intro Balance Transfers APR0%* intro on BTs for 20 billing cycles

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Overall Creditcards.com Rating

Balance Transfer Rating:4.5of 5

Introductory Offer:4.8Net Value:3.2Customer Experience:3.5Ratings Policy

BEST DINING CREDIT CARD

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Capital One® Savor® Cash Rewards Credit Card

887 Reviews

Capital One® Savor® Cash Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate4%Earn unlimited 4% cash back on dining and entertainment 
2%Earn 2% at grocery stores 
1%Earn 1% on all other purchases 

THIS CARD IS BEST FOR

Outgoing individuals who like to have a good time

Why Apply?

The newly-revamped Savor® Card offers 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. If you dine out often and would rather have simple cash rewards instead of points and miles, you can’t go wrong with the new Savor® reward rates.

At A Glance

Intro Bonus$500?Annual Fee$95, waived first yearRegular APR16.74% – 25.74% variable

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  • Earn a one-time $500 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.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • 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

Rates & Fees

Annual Fee$0 intro for first year; $95 after thatIntro Purchase APRN/ARegular APR16.74% – 25.74% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Cash Back Rating:4.8of 5

Rewards Value:4.8Rewards Flexibility:4.9Additional Features:3.0Customer Experience:3.7Ratings Policy

BEST GAS CREDIT CARD

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Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat American Express’s Secure SiteRewards Rate3%3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) 
2%2% cash back at U.S. gas stations and at select U.S. department stores 
1%1% back on other purchases 

THIS CARD IS BEST FOR

Families with regular expenses at U.S. gas stations

Why Apply?

The Blue Cash Everyday® Card from American Express earns 2% cash back at U.S. gas stations, with no annual fee. If you’re interested in saving up front and in the long run, this card is an asset when it comes to everyday spending on gas. Terms Apply.

At A Glance

Intro Bonus$150?Annual Fee$0Regular APR15.24% – 26.24% variable

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  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee$0Intro Purchase APR0% on Purchases for 15 monthsRegular APR15.24%-26.24% VariableIntro Balance Transfers APR0% on Balance Transfers for 15 months

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Overall Creditcards.com Rating

Cash Back Rating:3.5of 5

Rewards Value:3.2Rewards Flexibility:3.4Additional Features:3.0Customer Experience:4.5Ratings Policy

BEST LOW INTEREST CREDIT CARD

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Discover it® Balance Transfer

26,257 Reviews

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Discover it® Balance Transfer

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Discover’s Secure SiteRewards Rate5%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%Earn 1% unlimited cash back on all other purchases – automatically. 

THIS CARD IS BEST FOR

Consumers who want to avoid high interest payments on purchases

Why Apply?

Transfer an existing balance onto this card and you’ll have 18 months to pay it off, interest-free (then 14.24% – 25.24% variable APR applies). Discover’s first-year cash back match is also in play, meaning you can spend conservatively and still earn a nice reward at the end of your first year.

At A Glance

Intro BonusCashback Match™?Annual Fee$0Regular APR14.24% – 25.24% variable

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  • 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.

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 6 monthsRegular APR14.24% – 25.24% VariableIntro Balance Transfers APR0% for 18 months

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Overall Creditcards.com Rating

Balance Transfer Rating:4.5of 5

Introductory Offer:4.7Net Value:3.6Customer Experience:4.9Ratings Policy

BEST NO FOREIGN TRANSACTION FEE CREDIT CARD

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Bank of America® Travel Rewards credit card

15,431 Reviews

Bank of America® Travel Rewards credit card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Bank of America’s Secure SiteRewards Rate1.5XEarn 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 

THIS CARD IS BEST FOR

Travelers going on international trips

Why Apply?

This card will net you 1.5 points per dollar spent on all purchases; and there’s no annual fee. The flat-rate rewards structure is especially valuable considering there’s no foreign transaction fee, either. Use it to pay for your vacation and take it with you—you’ll come home to a healthy supply of points.

At A Glance

Intro Bonus25,000 points?Annual Fee$0Regular APR17.24% – 25.24% Variable APR on purchases and balance transfers

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  • 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

Rates & Fees

Annual Fee$0Intro Purchase APR0% Introductory APR on purchases for 12 billing cyclesRegular APR17.24% – 25.24% Variable APR on purchases and balance transfersIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:3.4of 5

Rewards Value:2.6Annual Percentage Rate:3.3Rewards Flexibility:4.6Ratings Policy

BEST AIRLINE MILES CREDIT CARD

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Gold Delta SkyMiles® Credit Card from American Express

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Gold Delta SkyMiles® Credit Card from American Express

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat American Express’s Secure SiteRewards Rate2XEarn 2 miles for every dollar spent on eligible purchases made directly with Delta. 
1XEarn one mile for every eligible dollar spent on purchases. 

THIS CARD IS BEST FOR

Frequent flyers who want to upgrade their Delta experience

Why Apply?

The Gold Delta Card offers two introductory bonuses: 30,000 miles after you spend $1,000 in the first three months, and a $50 statement credit if you make a Delta purchase in that same timeframe. Delta loyalists can count on both of these bonuses in addition to a number of signature American Express perks to make the Gold Delta card a solid play.

At A Glance

Intro Bonus30,000 Miles?Annual Fee$0 intro annual fee, then $95Regular APR17.99% – 26.99% variable

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  • Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
  • Earn one mile for every eligible dollar you spend on purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.

Rates & Fees

Annual Fee$0 intro annual fee, then $95Intro Purchase APRN/ARegular APR17.99%-26.99% VariableIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:3.6of 5

Rewards Value:3.0Rewards Flexibility:4.4Additional Features:3.0Customer Experience:4.6Ratings Policy

BEST BUSINESS CREDIT CARD

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Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

 ExcellentCredit Recommended (740-850) ?Apply Nowat Chase’s Secure SiteRewards Rate1.5%Earn unlimited 1.5% cash back on every purchase made for your business 

THIS CARD IS BEST FOR

Small business owners who can use cash back to save on expenses

Why Apply?

You have options with the Ink Business Unlimited Credit Card. Either maintain a simple rewards program for your business, knowing that you are earning 1.5% cash back on every purchase made for your business with the card, or pair it with a premium card like the Ink Business Preferred and convert your cash back into Chase Ultimate Rewards points.

At A Glance

Intro Bonus$500?Annual Fee$0Regular APR15.49% – 21.49% variable

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  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Rates & Fees

Annual Fee$0Intro Purchase APR0% Intro APR on Purchases for 12 MonthsRegular APR15.49% – 21.49% VariableIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Business Rating:3.5of 5

Rewards Value:3.1Rewards Flexibility:4.1Customer Experience:3.6Ratings Policy

BEST CREDIT CARD FOR FAIR CREDIT

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Capital One® Platinum Credit Card

8,782 Reviews

Capital One® Platinum Credit Card

 Fair to GoodCredit Recommended (580-740) ?Apply Nowat Capital One’s Secure SiteRewards RateThis card doesn’t offer cash back, miles, or points 

THIS CARD IS BEST FOR

People looking to improve their average credit

Why Apply?

Help strengthen your credit while maintaining flexibility. With the Capital One Platinum card, you have the ability to choose the monthly due date that works for you. After five months of on-time payments, your credit line may increase.

At A Glance

Intro BonusNo current offerAnnual Fee$0Regular APR26.96% variable

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  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Rates & Fees

Annual Fee$0Intro Purchase APRN/ARegular APR26.96% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Credit Building Rating:3.7of 5

Cost of Membership:3.8Ease of Building Credit:4.0Additional Features:2.5Ratings Policy

BEST CREDIT CARD FOR BAD CREDIT

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Credit One Bank® Visa® Credit Card

4,616 Reviews

Credit One Bank® Visa® Credit Card

 Bad to FairCredit Recommended (300-670) ?Apply Nowat Credit One Bank’s Secure SiteRewards Rate1%Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply. 

THIS CARD IS BEST FOR

People with bad credit who are getting back on their feet

Why Apply?

You’ll have the opportunity to earn 1% cash back on eligible purchases while building your credit. The flexibility to choose your own payment date and set up custom credit limit alerts also makes it easy to track your credit-building progress.

At A Glance

Intro BonusNo current offerAnnual Fee$0 – $99Regular APR20.24% – 26.24% variable

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  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you’ll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.

Rates & Fees

Annual Fee$0 – $99Intro Purchase APRN/ARegular APR20.24% – 26.24% VariableIntro Balance Transfers APRN/A

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BEST STUDENT CREDIT CARD

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Discover it® Student Cash Back

1,099 Reviews

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Discover it® Student Cash Back

 No Credit HistoryApply Nowat Discover’s Secure SiteRewards Rate5%Earn 5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. 
1%Earn 1% unlimited cash back on all other purchases – automatically. 

THIS CARD IS BEST FOR

College students looking for their first credit card

Why Apply?

College students will love the 5% cash back on rotating categories each quarter like gas stations, grocery stores, restaurants, and Amazon.com upon activation (up to the quarterly max; activation required). Plus they get 1% cash back on non-bonus category purchases. That bonus rewards rate drops to 1% after spending $1,500 per quarter, which is just enough to cover typical college expenses without running up a daunting bill. In short, this card offers everything you need and nothing you won’t use. 

At A Glance

Intro BonusCashback Match™?Annual Fee$0Regular APR15.24% – 24.24% variable