Best Credit Cards For Emergencies

Celebrity Cruises Visa Signature Review

Rating: 4 Stars

Bottom Line:
Rewards for Celebrity Cruise Ship Travelers

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 points per $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean International and Azamara Club Cruises Earn 1 point per $1 spent on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

No Annual Fee or Foreign Transaction Fees. Enjoy the freedom to explore off the beaten path with your Visa Signature card
Receive 10,000 Bonus Points after making a qualifying transaction in the first 90 days of account opening – worth $100 in onboard credit
2 points per $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean International and Azamara Club Cruises. Earn 1 point per $1 spent on all other purchases
Redeem your MyCruise points for onboard credit, cruise discounts and vacations, plus more

Is Celebrity Cruises Visa Signature worth it?

Celebrity Cruises Visa Signature is a solid card for people who take cruises on Celebrity Cruises and and their sister brands, Royal Caribbean International and Azamara Club Cruises.

Cardholders earn 2 MyCruise points for every dollar spent on purchases with these partners. There is a $69 annual fee version of this card which provides cardholders additional discounts on Celebrity-related bookings and onboard purchases.

Pros

Receive 10,000 MyCruise points after making a qualifying transaction in the first 90 days of account opening – worth $100 in onboard credit
Earn 2 points per $1 spent on qualifying purchases with Celebrity Cruises and their sister brands, Royal Caribbean International and Azamara Club Cruises
No annual fee

Cons

Other cards offer the same rewards rate – 2 points per $1 – on all purchases and allow redemption outside of cruise-related purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars. ?????

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Penalty APR	Up To 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Celebrity Cruises Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

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Journey Student Rewards from Capital One Review

Rating: 4 Stars

Bottom Line:
Student Card with Cash Back

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 1% cash back, increases to 1.25% if you pay your bill on time that month
Credit Needed:	(580-669) Average/Fair/Limited
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Enjoy no annual fee and no foreign transaction fees
Get a head start and build your credit with responsible use
Get Eno, your Capital One assistant, to manage your account via text, receive alerts, and shop safer online
Pick the monthly due date that works best for you
Get access to a higher credit line after making your first 5 monthly payments on time
$0 fraud liability if your card is ever lost or stolen
Monitor your credit profile with the CreditWise app, free for everyone

Is Journey Student Rewards from Capital One worth it?

Journey Student Rewards from Capital One is a solid card for students looking to build a credit score and credit history. It also provides a higher credit limit after you make on time payments for the first five months and increases its cash back rate from 1% to 1.25% when you pay your bill on time for that month. With no annual fee and no foreign transaction fee, Journey Student Rewards costs nothing and is even good for study abroad.

Pros

Build your credit as a student
No annual fee
1% cash back on all purchases

Cons

Higher than average APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with Journey Student Rewards from Capital One

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American Express Blue Cash Preferred Review

American Express Blue Cash Preferred Credit Card

Rating: 5 Stars

Bottom Line:
Superior Cash Back on Groceries

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	6% cash back at U.S. supermarkets on up to $6,000 per year, (then 1%) 6% cash back on select U.S. streaming subscriptions 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more 3% cash back at U.S. gas stations 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $300 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
New 6% Cash Back on select U.S. streaming subscriptions.
New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
$95 annual fee.
Terms Apply.

Is American Express Blue Cash Preferred worth it?

Blue Cash Preferred from American Express is simply a superior card for cardholders who spend a lot on groceries and gas.

Pros

6% cash back on up to $6,000 in purchases at U.S. supermarkets (then 1%) and on selected streaming subscriptions
3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.

Cons

Travel (flights) rewards fall in 1% cash back category
Annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the transaction amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Return Protection

Travel and Emergency Assistance

Get Started with American Express Blue Cash Preferred

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American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	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 & select U.S. department stores 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $175 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 & select U.S. department stores
1% cash back on other purchases
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
No annual fee

Cons

Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	2% of the amount of each transaction
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance

Get Started with American Express Blue Cash Everyday

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LATAM Visa Signature Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter LATAM Rewards and Visa Signature Benefits

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 points for ever $1 in LATAM Airlines ticket purchases Earn 1 point for every $1 in eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None for first year, then $75
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Double points on LATAM Airlines ticket purchases
Earn 1 point for every $1 in eligible net purchases
Earn 20,000 bonus points after your first card use
Earn 4,000 bonus points with your annual credit card renewal
$0 intro annual fee the first year; $75 thereafter
20% discount on first LATAM Airlines purchase (up to $500) 1 time per year
25% flight bonus points on LATAM Airlines. To renew this benefit, the cardmember must have net spending of at least $15,000 each calendar year
3 one-way upgrade coupons per year on LATAM Airlines

Is LATAM Visa Signature Credit Card worth it?

LATAM Visa Signature Card is a solid card for LATAM travelers. LATAM was formed from the merger of LAN and TAM airlines and most of LATAM?s destinations are in South America. The LATAM Visa Signature Card offers a 20% discount on your first LATAM Airlines purchase, up to $500, one time per year, you get 3 one-way upgrade coupons per year on LATAM Airlines, and you can also transfer your points to oneworld airline alliance partners.

Pros

Earn 2 points for ever $1 in LATAM Airlines ticket purchases
20% discount on first LATAM Airlines purchase (up to $500) 1 time per year
Oneworld transfer parterns include American Airlines, British Airways, Japan Airlines and more than 5 more
$0 annual fee the first year, then $75

Cons

To transfer miles you must pay a fee of $5.60 per 500 miles transferred
No more than 2 transfers can be completed in one year

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars. ?????

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with LATAM Visa Signature Credit Card

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Korean Air SKYPASS Visa Business Review

Rating: 4 Stars

Bottom Line:
Business Rewards for Korean Air Travelers

Apply Now

Card Details

Regular APR:	15.24% – 22.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 Miles for every net eligible $1 you spend on Korean Air ticket purchases 2 Miles for every net eligible $1 you spend on Gas Stations and Hotels 1 Mile for every $1 you spend on all other eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$95 for year and every year after it will be $95 for Account Owners and $95 for Authorized Employees
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
30,000 Bonus Miles after you spend $3,000 within first 90 days
2,000 Bonus Miles at renewal
2 Miles for every net eligible $1 you spend on Korean Air ticket purchases
2 Miles for every net eligible $1 you spend on Gas Stations and Hotels
1 Miles for every $1 you spend on all other eligible net purchases
$50 Off coupon for Korean Air ticket purchase each year
2 KAL Lounge coupons each year
Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners
Add on employees
Your business name on the card

Is Korean Air SKYPASS Visa Business worth it?

Korean Air SKYPASS Visa Business Card is a solid card for Korean Air business travelers. Cards can be issued to employees authorized by the business owner. Cardholders earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days and 2 miles for every $1 you spend in eligible net purchases. There is a $95 annual fee for year, and every year after it will be $95 for Account Owners and $95 for Authorized Employees.

Cardholders receive $50 off a Korean Air ticket purchase each year and 2,000 Bonus Miles at renewal. This is not a great bonus, but note that Korean Air miles are worth more than miles from the average travel rewards program. For example, the 30,000 point sign up bonus may look smaller than normal for a sign up bonus, but it is worth enough to get you a roundtrip flight from South Korea to Japan.

Pros

SkyTeam transfer partners include Aeromexico, Air France, China Airlines, Delta Air Lines, and more than 5 more.
Earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days
Earn 2 miles for every $1 you spend in Korean Air ticket purchases, gas stations, and hotels
No foreign transaction fee

Cons

$95 annual fee
SKYPASS miles cannot be used in combination with cash to book Korean Air flights: the flight must be booked entirely with miles or cash

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	29.59%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Dispatch

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with Korean Air SKYPASS Visa Business

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Korean Air SKYPASS Visa Signature Review

Rating: 4 Stars

Bottom Line:
Rewards For Frequent Korean Air Travelers

Apply Now

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 Miles for every net eligible $1 you spend on Korean Air ticket purchases 2 Miles for every net eligible $1 you spend on Gas Stations and Hotels 1 Mile for every $1 you spend on all other eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
30,000 Bonus Miles after you spend $3,000 within first 90 days
2,000 Bonus Miles at renewal
2 Miles for every net eligible $1 you spend on Korean Air ticket purchases
2 Miles for every net eligible $1 you spend on Gas Stations and Hotels
1 Miles for every $1 you spend on all other eligible net purchases
$50 Off coupon for Korean Air ticket purchase each year
2 KAL Lounge coupons each year
Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners

Is Korean Air SKYPASS Visa Signature worth it?

Korean Air SKYPASS Visa Signature is a solid card for Korean Air travelers. Cardholders earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days and 2 miles for every $1 you spend in eligible net purchases. There is a $95 annual fee, but on the other hand you get a $50 off coupon for a Korean Air ticket purchase each year and 2,000 Bonus Miles at renewal. Korean Air miles are worth more than the average travel rewards program. For example, the 30,000 point sign up bonus may look small, but it gets you a roundtrip flight from South Korea to Japan.

Pros

SkyTeam transfer partners include Aeromexico, Air France, China Airlines, Delta Air Lines, and more than 5 more.
Earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days
Earn 2 miles for every $1 you spend in Korean Air ticket purchases, gas stations, and hotels
No foreign transaction fee

Cons

$95 annual fee
SKYPASS miles cannot be used in combination with cash to book Korean Air flights: the flight must be booked entirely with miles or cash

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Korean Air SKYPASS Visa Signature

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Korean Air SKYPASS Select Visa Signature Review

Rating: 4 Stars

Bottom Line:
Worth It For Frequent Korean Air Travelers

Apply Now

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 Miles for every net eligible $1 you spend on Korean Air ticket purchases 2 Miles for every net eligible $1 you spend on Airline Tickets, Car Rental and Hotels 1 Mile for every $1 you spend on all other eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$450
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Up to $200 annual statement credit on travel purchases
30,000 Bonus Miles after you spend $3,000 within first 90 days
10,000 Bonus Miles at renewal after $35,000 in spend annually
2 Miles for every net eligible $1 you spend on Korean Air ticket purchases
2 Miles for every net eligible $1 you spend on Airline Tickets, Car Rental and Hotels
1 Miles for every $1 you spend on all other eligible net purchases
$100 Off coupon for Korean Air ticket purchase each year
TSA Pre?? or Global Entry application fee statement credit
Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners

Is Korean Air SKYPASS Select Visa Signature worth it?

Korean Air SKYPASS Select Visa Signature is a solid card for regular Korean Air travelers. Cardholders earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days and 2 miles for every $1 you spend in eligible net purchases. The annual fee is $450, but on the other hand you get a $200 annual statement credit on travel purchases, a $100 off coupon for a Korean Air ticket purchase each year, and a 30,000 point sign up bonus worth enough to get you a roundtrip flight from South Korea to Japan. If you fly Korean Air a lot, this card may be for you.

Pros

SkyTeam transfer partners include Aeromexico, Air France, China Airlines, Delta Air Lines, and more than 5 more.
Earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days
Earn 2 miles for every $1 you spend on Korean Air ticket purchases
No foreign transaction fee

Cons

$450 annual fee
SKYPASS miles cannot be used in combination with cash to book Korean Air flights: the flight must be booked entirely with miles or cash

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Korean Air SKYPASS Select Visa Signature

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Iberia Visa Signature Card Review

Rating: 5 Stars

Bottom Line:
Avios Bonus for Iberia Travelers

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3 Avios for every $1 spent on flight purchases with Iberia, British Airways, and Aer Lingus Earn 2 Avios for every $1 spent on hotel accommodations and 1 Avios for every $1 spent on all other purchases Earn 1 Avios for every $1 spent on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening
Use your Iberia Visa Signature Card to book your flight on iberia.com/Chase10, and you will receive a 10% discount
Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
Earn 3 Avios for every $1 spent on flight purchases with Iberia, British Airways, and Aer Lingus
Earn 2 Avios for every $1 spent on hotel accommodations and 1 Avios for every $1 spent on all other purchases
Earn 1 Avios for every $1 spent on all other purchases

Is Iberia Visa Signature Card worth it?

Iberia Visa Signature Card is a great card for Iberia travelers. Cardholders earn 3 Avios for every $1 spent on Iberia purchases. The sign up bonus is big: earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening. Transfer partners include Aer Lingus, as well as airlines in the Oneworld alliance, for example American Airlines, British Airways, LATAM, and more than 5 more. Please note that there are high fuel surcharges on some of these award flights, including on British Airways and Malaysia Airlines.

Pros

Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening
Earn 3 Avios for every $1 spent on Iberia purchases

Cons

Earn 2 Avios for every $1 spent on hotel accommodations and 1 Avios for every $1 spent on all other purchases
No foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Iberia Visa Signature Card

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Fidelity Rewards Visa Signature Review

Rating: 5 Stars

Bottom Line:
Unlimited Flat-Rate Cash Back for Fidelity Customers

Apply Now

Card Details

Regular APR:	15.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 2% cash back; you earn Reward Points that are deposited into a Fidelity account as cash back
Credit Needed:	(740 – 850) Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Unlimited 2% cash back
Every eligible net $1 spent equals 2 Reward Points
No limits on total Reward Points and no restrictive categories
Reward Points will not expire
Your Fidelity Rewards Visa Signature Card is Digital Wallet-enabled for: Apple Pay, Google Pay, and Samsung Pay
Deposit your rewards into one account or divide them among several. You can even use your rewards to fund a loved one’s account. Choose from up to eligible accounts, including a Brokerage account, Fidelity Cash Management Account, Fidelity-managed 529 College Savings plan, Retirement account, Fidelity Go account, Fidelity Charitable Giving Account, Fidelity HSA
The Fidelity Rewards Visa Signature Card has no Reward Points caps, expirations, or restrictive categories
No annual fee

Is Fidelity Rewards Visa Signature worth it?

Fidelity Rewards Visa Signature is a great card for Fidelity account holders who would like simple, unlimited 2% cash back on all purchases. To get the 2% cash back rate, you must open a Fidelity account – for example a retirement or 529 college savings account – before you apply for the card. The rewards are deposited into one or more of your Fidelity accounts.

Pros

No annual fee
Unlimited 2% cash back: Every eligible net $1 spent equals 2 Reward Points
Fidelity allows you to split your cash back rewards deposit across multiple accounts. Usually this would take an extra step with another credit card.
No penalty APR

Cons

No signup bonus
To earn the 2% rewards rate, you’ll have to open an account, like a retirement account or 529 college savings account, before you apply for Fidelity Rewards Visa Signature, or you can use an existing Fidelity account you own.

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 3% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Fidelity Rewards Visa Signature

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Harley-Davidson Visa Signature Review

Rating: 4 Stars

Bottom Line:
Rebate for Harley-Davidson Fans

Apply Now

Card Details

Regular APR:	15.74% – 24.74% (Variable)
Intro APR (Purchases):	0% for 12 billing cycles
Intro APR (Balance transfers):	0% for 12 billing cycles for transfers in first 30 days of account opening
Rewards Rate:	3 points per $1 at H-D dealerships and h-d.com/store 2 points per $1 at gas stations, restaurants, bar and lodging merchants 1 point everywhere else Visa is accepted for every $1 of eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Spend $500 in eligible net purchases (net purchases are purchases minus credits and returns) within the first 60 days of account opening and 10,000 Genuine Rewards points will be credited to your account 6-8 weeks after the 60-day period. The 10,000 Genuine Rewards points can be redeemed for a $100 H-D Gift Card
Get a 0% intro APR* on purchases and balance transfers for 12 billing cycles
3 points per $1 at H-D dealerships and h-d.com/store
2 points per $1 at gas stations, restaurants, bar and lodging merchants
1 point everywhere else Visa is accepted for every $1 of eligible net purchases
For every 2,500 points you earn, you can redeem for a $25 H-D Gift Card to spend at Harley dealerships and h-d.com/store

Is Harley-Davidson Visa Signature worth it?

Harley-Davidson Visa Signature is a great card for fans of Harley-Davidson. Cardholders earn 3 points per $1 at H-D dealerships and h-d.com/store. For every 2,500 points you earn, you can redeem for a $25 H-D Gift Card to spend at Harley dealerships and h-d.com/store. This means that one point is worth one cent, so 3 points per $1 is a 3% rebate on H-D? dealerships and h-d.com/store purchases. This is great.

Pros

No annual fee
3 points per $1 at H-D dealerships and h-d.com/store
2 points per $1 at gas stations, restaurants, bar and lodging merchants
1 point everywhere else Visa is accepted for every $1 of eligible net purchases
Every purchase you make with your card earns you one entry into the H-D Visa Free Ride Sweepstakes

Cons

Other cards offer 1.5% or 2% unlimited cash back for all purchases. Harley-Davidson Visa Signature offers 3% rewards for purchases at H-D dealerships and h-d.com/store, but making those purchases with a cash back card would offer more flexible redemption.

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 3% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Harley-Davidson Visa Signature

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Chase Slate Review

Rating: 5 Stars

Bottom Line:
Pay Off Debt with No Balance Transfer Fee

Apply Now

Card Details

Regular APR:	16.74% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	None
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Transfer balances with an introductory fee of $0 during the first 60 days your account is open. After that, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5
0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 16.99% – 25.74% variable APR.
No annual fee
Credit Journey gives you unlimited access to your credit score and more. It?s free, even if you are not a Chase customer. Checking your score does not affect your credit

Is Chase Slate worth it?

Chase Slate Card is an excellent card for anyone looking to pay off debt. This card has no balance transfer fee during the first 60 days your account is open. The payoff period is long: 0% intro APR for 15 months from account opening on purchases and balance transfers.

The balance transfer intro offer is capped at your available credit limit, or $15,000, whichever is lower. You cannot transfer a balance from another Chase account. All of this is standard but important to note.

Pros

Transfer balances with an introductory fee of $0 during the first 60 days your account is open.
0% Intro APR for 15 months on purchases and balance transfers
No annual fee

Cons

No rewards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with Chase Slate

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British Airways Visa Signature Review

Rating: 4 Stars

Bottom Line:
Earn And Redeem Points For Travel On British Airways And Partner Airlines

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3 Avios for every $1 spent on purchases with British Airways, Aer Lingus, and Iberia Earn 2 Avios for every $1 spent on hotel accommodations when booked directly with the hotel Earn 1 Avios for every $1 spent on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 Bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 Bonus Avios after you spend $20,000 total on purchases within your first year of account opening.
Earn 3 Avios for every $1 spent on purchases with British Airways, Aer Lingus, and Iberia
Earn 2 Avios for every $1 spent on hotel accommodations when booked directly with the hotel, and 1 Avios for every $1 spent on all other purchases
Every calendar year you make $30,000 in purchases on your British Airways Visa Signature card, you will earn a Travel Together Ticket good for two years. Redeem your Avios for one reward seat for yourself and use your Travel Together Ticket to bring a companion in the same cabin, even first class (taxes, fees and carrier charges apply)

Is British Airways Visa Signature worth it?

British Airways Visa Signature Card is a great card for airline travelers who know the Avios rewards program – the points this card earns – and how to transfer Avios points to get value on flights they want to take. The signup bonus is excellent: 50,000 Bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 Bonus Avios after you spend $20,000 total on purchases within your first year of account opening.

Pros

British Airways has partner airlines that include American Airlines, Aer Lingus, Air Berlin, Iberia, and Alaska Airlines and more than 5 more.
50,000 Bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 Bonus Avios after you spend $20,000 total on purchases within your first year of account opening
No foreign transaction fee

Cons

No free checked bag
$95 annual fee
There are limited British Airlines flights that can be booked using points
British Airlines flights out of London have big fees

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	5% of the amount of each transaction or $5, whichever is greater
Cash Advance Fee	5% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Cash and Card Replacement

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with British Airways Visa Signature

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BBVA Compass Secured Visa Business Credit Card Review

Rating: 5 Stars

Bottom Line:
Build Personal and Business Credit For BBVA Customers

Apply Now

Card Details

Regular APR:	17.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3x points at office supply stores Earn 2x points at gas stations and restaurants Earn 1 point for every $1 in purchases
Credit Needed:	(0 – 300) Bad/Limited
Annual Fee:	$0 for the first year, $40 after that
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
You pay no annual fee for the first year with BBVA Secured Visa? Business Credit Card. After that, you pay a low fee of $40 per year
Before applying for the Secured Visa Business Credit Card, you must open a Secured Credit Card Savings Account. The minimum opening deposit is $500. You can make deposits at any time in $100 increments.
Your available credit will be 90% of your savings account balance. You can add funds to your account to increase your credit limit
Manage your account at your convenience, with online services that allow you to track employee expenses, pay bills online, view and download up to 24 months of past account statements, and integrate expenses, data, and reports with accounting software packages
Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping
Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes
Earn 1 point for every $1 in purchases
Earn 3x points at office supply stores and 2x points at gas stations and restaurants
Enroll your BBVA Visa Business Rewards Credit Card with Visa SavingsEdge and shop at participating merchants to save up to 15%

Is BBVA Compass Secured Visa Business worth it?

BBVA Compass Secured Visa Business is a great card for business owners near a BBVA branch looking to build personal and business credit by putting down a deposit. The option to add employee cards to your account at no additional cost and the rewards program make this card a great choice for a business secured card.

Pros

Build your personal and business credit
Add employee cards to your account at no additional cost
Earn 3x points at office supply stores

Cons

Foreign transaction fee
Minimum opening deposit of $500
Must apply in-branch – branches are only in Alabama, California, Florida, Texas, Arizona, Colorado, and New Mexico

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of each advance ($10 minimum)
Cash Advance Fee	4% of the amount of each cash advance (including any balance transfer), whichever is greater
Penalty APR	28.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Emergency Assistance

Purchase Protection

Travel Accident Insurance

Travel Assistance

Get Started with BBVA Compass Secured Visa Business Credit Card

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BB&T Spectrum Travel Rewards Credit Card Review

Rating: 4 Stars

Bottom Line:
Travel Rewards for Southeastern U.S. Residents

Apply Now

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2x miles on air/hotel/car rentals Earn 1x miles on all other qualifying purchases (unlimited miles available)
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$0 for first year, then $89 after that
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2x miles on air/hotel/car rentals and 1x miles on all other qualifying purchases (unlimited miles available)
Earn 20,000 bonus miles when you spend $2,000 in the first 90 days ($200 value)
Miles are worth 75% more in value when redeemed for hotel stays
Get an $85 credit for TSA Pre or Global Entry
Use your annual $50 airline incidental credit toward check bag fees, in flight purchases, and more
Variable APRs ranging from Prime + 9.99% to Prime + 18.99%; current rates are 14.99% to 23.99%
No annual fee for the first year, and $89 thereafter
No foreign transaction fee

Is BB&T Spectrum Travel Rewards Credit Card worth it?

BB&T Spectrum Travel Rewards Card is a great card for people in the BB&T service area – this is most of the Southeastern U.S. excluding Florida – who want to earn travel rewards. This card offers 2x miles on air/hotel/car rentals.

Pros

Earn 2x miles on air/hotel/car rentals
Miles are worth 75% more in value when redeemed for hotel stays
No foreign transaction fee
No Penalty APR

Cons

Travel is limited to air/hotel/car rentals – cards that are from national or global banks earn travel rewards on one or more of the following: parking garages, taxis, trains, and cruises, in addition to air/hotel/car rentals.

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of each advance ($10 minimum)
Cash Advance Fee	3% or $10 minimum on transactions greater than $10
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Emergency Assistance

Extended Warranty Program

Travel Accident Insurance

Travel Assistance

Get Started with BB&T Spectrum Travel Rewards

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