Best Credit Cards For Travel Insurance

NFL Extra Points Credit Card Review

Rating: 5 Stars

Bottom Line:
For NFL Fans Who Like NFL Gear And Balance Transfers

Card Details

Regular APR:	17.49%, 22.49% or 27.49%
Intro APR (Purchases):	0% Intro APR for 6 billing cycles from the transaction date on all Qualifying NFL Team Ticket Purchases
Intro APR (Balance transfers):	0% Intro APR for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops Earn 2 points per $1 on NFL DirecTV purchases Earn 1 point per $1 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

Click APPLY NOW to apply online
Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases
Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
Exclusive NFL rewards and team experiences: redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl
Cash back or redeem points for 1% cash back, starting at 2,500 points for $25 cash back
Pick any team as your card art

Is NFL Extra Points Credit Card worth it?

NFL Extra Points Credit Card is a solid card for NFL fans. The sign up bonus of 10,000 bonus points after $500 in purchases in the first 90 days is worth $100 in statement credit. Cardholders earn 2 points per $1 on NFL and team purchases like eligible NFL tickets, in stadium, NFLShop.com, at team pro shops, and on NFL DirecTV purchases. 2 points per $1 is an average rewards rate, especially when you consider that for most people NFL purchases are not something you make everyday. However, the most valuable perk provided by NFL Extra Points Credit Card may be 20% off purchases at NFLShop.com. If you are an NFL fan or know one, this might be a great no-annual card to apply for simply for the NFL gear discount.

Pros

Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
No annual fee
Pick any team as your card art
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
0% Intro APR for 15 billing cycles for transfers in first 45 days

Cons

0% intro period on NFL ticket purchases from any participating NFL team ticket office is only 6 months
2 Points per $1, or 2%, rewards rate is average: other cards offer 1.5% or 2% cash back on all purchases

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

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

Get Started with NFL Extra Points Credit Card

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.

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Gulf Visa Card Review

Rating: 4 Stars

Bottom Line:
Rebate for Gulf Customers

Apply Now

Card Details

Regular APR:	27.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3 points per $1 spent on all purchases made at Gulf Stations, not just on gas Earn 1 point for every $1 spent everywhere else
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
Get a $20 Gulf gift card for every 2,000 points earned
Earn 3 points per $1 spent on all purchases made at Gulf Stations, not just on gas
Earn 1 point for every $1 spent everywhere else

Is Gulf Visa Card worth it?

Gulf Visa is a great card for drivers who fill up at Gulf Oil gas stations. Cardholders earn 3 points per $1 spent on all purchases made at Gulf Stations, not just on gas. For every 2,000 points earned, you get a $20 Gulf gift card. This means that one point is worth one cent, so 3 points per $1 is a 3% rebate on Gulf purchases. This is a great rewards rate.

Pros

Earn 3 points per $1 spent on all purchases made at Gulf Stations, not just on gas
Earn 1 point for every $1 spent everywhere else
No annual fee

Cons

Other cards give 3% rewards for gas purchases that work at all gas stations, not just Gulf

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 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $15 or 5% of the amount of each cash advance, 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 Assistance

Get Started with Gulf Visa Card

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Celebrity Cruises Visa Signature Review

Rating: 4 Stars

Bottom Line:
Rewards for Celebrity Cruise Ship Travelers

Apply Now

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

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Wells Fargo Propel American Express Review

Rating: 5 Stars

Bottom Line:
Rewards on Monthly Expenses

Apply Now

Card Details

Regular APR:	15.99% – 27.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months on qualifying balance transfers
Rewards Rate:	3X points on eating and out and ordering in, travel including flights, hotels, homestays and car rentals, and on gas stations, rideshares, transit and popular streaming services 1X points 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 30,000 bonus points when you spend $3,000 in purchases in the first 3 months ? that?s a $300 cash redemption value
$0 annual fee and no foreign currency conversion fee
Earn 3X points on eating out and ordering in
Earn 3X points on travel including flights, hotels, homestays and car rentals
Earn 3X points on gas stations, rideshares and transit
Earn 3X points on popular streaming services
Earn 1X points on other purchases

Is Wells Fargo Propel American Express worth it?

Wells Fargo Propel American Express is a competitive rewards card with 3X rewards in a number of popular spending categories including monthly expenses like gas stations, transit, and popular streaming services. Rewards are 1X on all other purchases.

Pros

3x rewards in a number of popular spending categories
30,000 bonus points when you spend $3,000 in purchases in the first 90 days after account opening – that’s a $300 cash redemption value
No annual fee

Cons

1x rewards rate on all other purchases is not a competitive rate

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% for 120 days, then 5%
Cash Advance Fee	5%
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 Assistance

Get Started with Wells Fargo Propel American Express

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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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Green Dot Visa Secured Review

Rating: 4 Stars

Bottom Line:
Online Security Deposit from Green Dot

Apply Now

Card Details

Regular APR:	19.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	$39
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
No processing or application fees
No minimum credit score requirements. Low fixed interest rates with no penalty rate
Reports to all three nationwide credit bureaus
Whether you put down $200 or $5000, your credit limit is equal to the amount of the refundable security deposit
Not a prepaid or debit card – spend within your credit limit, then pay your balance monthly, just like a regular credit card. Use everywhere Visa Credit is accepted in the U.S.
Relax, good credit or a bank account is not needed to get a card. And, since there?s no credit check, there’s no effect on your credit when you apply
Be sure to make on-time payments and keep your card balance low. Your payment and usage history gets reported to the three major credit bureaus, which can help you build a positive credit file over time
Make your security deposit and monthly payments online for free or at thousands of retailers nationwide for $4.95

Is Green Dot Visa Secured worth it?

Green Dot Visa Secured is a solid card for people looking to build credit. Compared to popular secured cards, like Citi Secured Mastercard, Discover it Secured, and Capital One Secured Mastercard, Green Dot primor Visa Classic Secured has the same $200 initial credit line and an APR that is slightly lower.

However, it does have a $39 annual fee and a $29 additional card fee, while the other cards have no annual fee. Green Dot Visa? Secured offers the option to make your security deposit online and make monthly payments online for free or at thousands of retailers nationwide for $4.95.

If you are anticipating the possibility of carrying a balance, it would be better to choose another Green Dot card, which has lower APR. However, if having the ability to make payments at retailers will help you and you can pay the annual fee, Green Dot Visa Secured is a solid card to get to build credit.

Pros

Make your security deposit and monthly payments online for free or at thousands of retailers nationwide for $4.95
Build your credit
Monthly reporting to all 3 major credit bureaus
APR is lower than secured cards from Citi, Discover, and Capital One

Cons

$39 annual fee

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either $5 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Green Dot Visa Secured

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Green Dot primor Visa Gold Secured Review

Rating: 4 Stars

Bottom Line:
Build Credit with the Lowest APR

Apply Now

Card Details

Regular APR:	9.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	$49
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
No processing or application fees
No minimum credit score requirements
Low fixed interest rates with no penalty rate
Reports to all three nationwide credit bureaus

Is Green Dot primor Visa Gold Secured worth it?

Green Dot primor Visa Gold Secured is a solid card for people looking to build credit. Compared to popular secured cards, like Citi Secured Mastercard, Discover it Secured, and Capital One Secured Mastercard, Green Dot primor Visa Classic Secured has the same $200 initial credit line and an APR that is impressively low. Only Applied Bank Secured Visa Gold Preferred Credit Card has an APR this low, even secured cards from credit unions like State Department EMV Savings Secured Visa Platinum and Navy Federal nRewards Secured have higher APRs.

However, it does have a $49 annual fee and a $29 additional card fee, while the other cards have no annual fee, except for Applied Bank Secured Visa Gold Preferred, which has a $48 annual fee. The cost of an extremely low APR is apparently covered in the annual fee in the case of these two 9.99% APR secured cards.

If you are anticipating the possibility of carrying a balance and can pay the annual fee, Green Dot primor Visa Classic Secured is a solid card to get, because the APR is the lowest of secured card APRs.

Pros

Impressively low APR
Build your credit
Monthly reporting to all 3 major credit bureaus
APR is lower than secured cards from Citi, Discover, and Capital One

Cons

$49 annual fee
$49 credit limit increase fee

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either $5 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Green Dot primor Visa Gold Secured

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Green Dot primor Visa Classic Secured Credit Card Review

Rating: 4 Stars

Bottom Line:
Build Credit with Low APR

Apply Now

Card Details

Regular APR:	13.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	$39
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
No processing or application fees
No minimum credit score requirements
Low fixed interest rates with no penalty rate
Reports to all three nationwide credit bureaus

Is Green Dot primor Visa Classic Secured Credit Card worth it?

Green Dot primor Visa Classic Secured is a solid card for people looking to build credit. Compared to popular secured cards, like Citi Secured Mastercard, Discover it Secured, and Capital One Secured Mastercard, Green Dot primor Visa Classic Secured has the same $200 initial credit line and a much lower APR.

However, it does have a $39 annual fee and a $29 additional card fee, while the other cards have no annual fee. If you are anticipating the possibility of carrying a balance and can pay the annual fee, Green Dot primor? Visa? Classic Secured is the right card to get, because the APR is significantly lower than the other cards.

Pros

Low APR
$200 minimum security deposit is on the low end for secured cards
Build your credit
Monthly reporting to all 3 major credit bureaus
APR is lower than secured cards from Citi, Discover, and Capital One

Cons

$39 annual fee
$49 credit limit increase fee

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either $5 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Green Dot primor Visa Classic Secured Credit Card

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Gold Delta SkyMiles Business from American Express Review

Gold Delta SkyMiles? Business Credit Card from American Express

Rating: 4 Stars

Bottom Line:
Delta Perks for Business

Apply Now

Card Details

Regular APR:	17.74% – 26.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles for every dollar spent on eligible purchases made directly with Delta 1 mile for every eligible dollar you spend on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 for the first year; then $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
Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you spend overseas.
$0 introductory annual fee for the first year, then $95. Terms and limitations apply

Is Gold Delta SkyMiles Business from American Express worth it?

Gold Delta SkyMiles Business from American Express is a great travel card for people who fly Delta fairly often. Perks include priority boarding, a free checked bag, and no foreign transaction fee. As a sidenote, the cash advance fee is 3% on the Gold Delta SkyMiles Business card and 5% on the Gold Delta SkyMiles consumer card.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
Miles don’t contribute towards Delta?s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

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	No Balance Transfers Allowed
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Roadside Assistance

Travel Assistance

Get Started with Gold Delta SkyMiles Business Credit Card from American Express

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Gold Delta SkyMiles Credit Card from American Express Review

Rating: 4 Stars

Bottom Line:
Perks for Delta Flyers

Apply Now

Card Details

Regular APR:	17.74%-? 26.74% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles for every dollar spent on eligible purchases made directly with Delta 1 mile for every eligible dollar you spend on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 for the first year; then $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 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 other purchases.
Settle into your seat sooner with Main Cabin 1 Priority Boarding.
Enjoy a $0 introductory annual fee for the first year, then $95.

Is Gold Delta SkyMiles Credit Card from American Express worth it?

Gold Delta SkyMiles Credit Card from American Express is a great travel card for people who fly Delta often. Perks include priority boarding, a free checked bag, and no foreign transaction fee.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
Miles don’t contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

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% on transaction amount or $5, whichever is greater
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Roadside Assistance

Travel Assistance

Get Started with Gold Delta SkyMiles Credit Card from American Express

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Capital One Platinum Review

Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(580-669) Average/Fair
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
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

Is Capital One Platinum worth it?

Platinum from Capital One is a solid card for people looking to improve their credit score without making a cash deposit upfront. It also provides a higher credit limit after you make on time payments for the first five months.

Pros

Build your credit
No annual fee

Cons

Higher than average APR
No hidden fees

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	$0
Cash Advance Fee	3% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel Accident Insurance

Extended Warranty Program

Travel Assistance

Get Started with Capital One Platinum

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Bank of America Premium Rewards Review

Bank of America Premium Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Higher Than Average Travel Rewards Rate Across All Purchases

Apply Now

Card Details

Regular APR:	17.99% – 24.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn unlimited 2 points for every $1 spent on travel and dining purchases Earn unlimited 1.5 points per $1 spent on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
No limit to the points you can earn and your points don’t expire
Redeem for cash back as a statement credit, deposit into eligible Bank of America accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
No Foreign Transaction Fees
Low $95 annual fee

Is Bank of America Premium Rewards worth it?

Bank of America Premium Rewards is a strong card for cardholders who spend a lot on travel and dining, with 2 points per dollar in those categories and 1.5 points per dollar on all other purchases.

Pros

Intro bonus of 50,000 points after spending $3,000 in purchases in first 90 days after account opening – that’s $500 in value
Travel rewards can be earned not only on airlines, hotels, car rental agencies, but also entertainment attractions like museums and amusement parks, and transportation expenses like taxis and parking garages
No foreign transaction fee

Cons

High regular APR
$95 annual 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	$0
Balance Transfer Fee	3% of the amount of each transfer or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Premium Rewards

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Bank of America Business Advantage Travel Rewards World Mastercard Review

Bank of America? Business Advantage Travel Rewards World Mastercard? Credit Card

Rating: 5 Stars

Bottom Line:
Travel Rewards for Business Owners With No Annual Fee

Apply Now

Card Details

Regular APR:	13.24% – 23.24% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3 points per dollar spent for travel booked through Bank of America?s travel center 1.5 points per dollar on all purchases and 25,000 bonus points when you spend $1,000 in first 60 days of account opening
Credit Needed:	(670 – 850) Excellent/Good
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 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center – powered by Expedia.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get a 75% rewards bonus on the base earn of every purchase you make when you’re a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America Travel Center.

Is Bank of America Business Advantage Travel Rewards World Mastercard worth it?

Bank of America Business Advantage Travel Rewards World Mastercard is a great no-annual fee travel card with three points per dollar on travel booked through Bank of America Travel Center and a simple unlimited 1.5 points per dollar on all purchases.

Pros

Qualifying cardholders – based upon eligible cardholder account balances – receive 75% more points back on every point earned, bringing the rewards rates from 1.5 to 2.62 points and from 3 to 4.12 points; this is a significant benefit for businesses with big expenses
No annual feel
No foreign transaction fee

Cons

Only travel earns 3 points per dollar, and it must be booked through the Bank of America Travel Center

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	4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	4% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel Assistance

Get Started with Bank of America Business Advantage Travel Rewards World Mastercard

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AvantCard Review

Rating: 4 Stars

Bottom Line:
Build Credit With No Hidden Fees

Apply Now

Card Details

Regular APR:	25.99% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300-669) Bad/Fair/Limited
Annual Fee:	$29
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
Fast and easy application process
No deposit required
No hidden fees
No penalty APR
Report to all three major credit bureaus
Avant branded credit products are issued by WebBank, member FDIC
Disclosure: If you are charged interest, the charge will be no less than $1.00

Is AvantCard worth it?

AvantCard is a solid card for cardholders who would like a credit line without putting down a deposit upfront. With no hidden fees and no penalty rate, this is a simple card to build your credit.

Pros

Build your credit
Reasonable annual fee
No foreign transaction fees
No hidden fees

Cons

Higher than average regular 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	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Roadside Assistance

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Get Started with AvantCard

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American Express Gold Card Review

Rating: 4 Stars

Bottom Line:
Eat Out, Buy A Lot Of Groceries, And Get Travel In Return

Apply Now

Card Details

Regular APR:	If you activate Pay Over Time: 17.49% to 24.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	4 Membership Rewards points per dollar when you dine at restaurants worldwide 4 Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X) 3 Membership Rewards points per dollar on flights booked directly with airlines or on amextravel.com
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$250
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 35,000 Membership Rewards Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
Earn 4X Membership Rewards points when you dine at restaurants worldwide. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth?s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
You can carry a balance with interest on eligible charges of $100 or more, giving you more control over the amount you pay. When your payment is due, you can choose to pay your Account Total New Balance, the minimum due or any amount in between, with interest
No Foreign Transaction Fees.
Annual Fee is $250.

Is American Express Gold Card worth it?

American Express Gold is a great card for cardholders who spend a lot on dining out and grocery shopping. These categories earn four points per dollar (up to $25,000 per year in purchases for supermarkets, then one point per dollar).

American Express offers the following charge cards: American Express Plum Card, American Express Business Green Rewards, American Express Business Platinum and American Express Platinum, and American Express Business Gold and American Express Gold Card. Just like for the others, If you need to carry a balance with American Express Gold, you can use American Express Pay Over Time feature, which for American Express Gold uses an APR of 17.49% to 24.49% (Variable). You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

High four points per dollar on dining and groceries
Higher than average three points per dollar travel rewards, redeemable on Amex Travel, which in most cases offers competitive rates with Expedia and Orbitz

Cons

$250 Annual fee
Inflexible rewards requirements: other cards offer a similar rewards rate on all travel purchases – but unlike other cards – American Express Gold will not earn rewards on bookings through third-party travel sites

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either 5% of transaction amount or $10, whichever is greater
Penalty APR	See Terms

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Travel Assistance

Get Started with American Express Gold Card

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The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.