Best Mastercard Credit Cards

Amtrak Guest Rewards World Mastercard? Review

Rating: 4 Stars

Bottom Line:
For Frequent Amtrak Travelers

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3 points for every $1 spent on Amtrak travel, including onboard purchases Earn 2 points per $1 spent on other qualifying travel purchases Earn 1 Point per $1 spent on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$79
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
Get 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening. That?s enough points to redeem for a trip to many of our over 500 destinations across the country.
Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
Annual Companion Coupon: Get a Companion Coupon upon account opening and each year when your account renews (worth up to $300 in Amtrak travel)
Annual Upgrade Coupon: Get an Upgrade Coupon upon account opening and each year when your account renews for an enhanced travel experience (worth up to $150 in Amtrak travel)
Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
A faster route to tier status: Earn 1,000 Tier Qualifying Points (TQPs) toward earning tier status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
Onboard Purchases Rebate: Get a 20% rebate on your food and beverage purchases onboard when you use your Amtrak Guest Rewards World Mastercard
Complimentary Station Lounge Pass: Get a complimentary Single-Visit Station Lounge pass upon account opening (worth up to $25 in Amtrak travel)

Is Amtrak Guest Rewards World Mastercard worth it?

Amtrak Guest Rewards World Mastercard is a great card for travelers who regularly travel by train on Amtrak.

Pros

Earn 3 Points per $1 spent on Amtrak travel, including onboard purchases.
Annual Companion Coupon
Earn 1,000 Tier Qualifying Points towards elite status for every $5,000 you spend on your card, up to 4,000 TQPs annually
Reasonable annual fee for regular Amtrak travelers

Cons

No airline transfer partners
penalty APR

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 the amount of each transaction or $10, whichever is greater
Cash Advance Fee	3% of the amount of each transaction or $10, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Get Started with Amtrak Guest Rewards World Mastercard

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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Citi / AAdvantage Platinum Select World Elite Mastercard Review

Citi-AAdvantage-Platinum-Select-World-Mastercard

Rating: 4 Stars

Bottom Line:
For American Airlines Travelers

Apply Now

Card Details

Regular APR:	17.49% to 25.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles per dollar on American Airlines purchases Earn 2 AAdvantage miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations Earn 1 AAdvantage mile on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 in first year, $99 after first year
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases in the first 3 months of account opening
American Airlines AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months.
Earn AAdvantage miles on purchases
Experience truly rewarding travel
Travel with ease and enjoy global acceptance with your Citi chip credit card

Is Citi / AAdvantage Platinum Select World Elite Mastercard worth it?

CitiBusiness / AAdvantage Platinum Select World Elite Mastercard is a great card for travelers who fly American Airlines.

Pros

Intro bonus of 50,000 American Airlines AAdvantage bonus miles after $2,500 spent in first 90 days of account opening
Solid rewards rate on American Airlines travel and business purchases – earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, restaurants and gas stations
No foreign transaction fee

Cons

$99 fee after first year
Travel perks are specific to American Airlines

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 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	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi / AAdvantage Platinum Select World Elite Mastercard

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Deserve Edu Mastercard for Students Review

Rating: 5 Stars

Bottom Line:
For International Students

Apply Now

Card Details

Regular APR:	18.74% APR (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1% unlimited cash back on ALL purchases
Credit Needed:	(580-669) Average/Fair/Limited
Annual Fee:	None
Card Brand:	Mastercard?

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

Offer Highlights

Click APPLY NOW to apply online
Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you’ll automatically start earning cash back on all purchases.
Feel secure with cell phone protection up to $600.
No deposit required. No annual fees.
No international transaction fees on purchases abroad so you can travel with confidence.
No Social Security Number required for international students to apply.
Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you’ll receive $30 and so will your referral. Referral bonuses are unlimited!
Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
See if you prequalify with no impact to your credit score in minutes.
Deserve Mastercards are issued by Celtic Bank, Member FDIC.
Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention and Master Rental.

Is Deserve Edu Mastercard for Students worth it?

Deserve Edu Mastercard for Students is a solid card for students, including international students, looking to build a credit score and credit history. The card doesn’t require applicants to submit a social security number or have an established credit file.

Pros

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

Cons

No introductory APR

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars

Fees

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

Benefits

Get Started with Deserve Edu Mastercard for Students

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Citi Rewards+ Review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Apply Now

Card Details

Regular APR:	15.49% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
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
The Citi Rewards+ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year

Is Citi Rewards+ worth it?

Citi Rewards+ is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for paying for purchases over time and balance transfers with 0% Intro APR for 15 months.

Pros

0% Intro APR on purchases and balance transfers for 15 months
15,000 bonus points after you spend $1,000 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

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% in USD
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	N/A
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi Rewards+

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HSBC Gold Mastercard Review

Rating: 4 Stars

Bottom Line:
Extended Purchase Payoff Period

Apply Now

Card Details

Regular APR:	13.24%, 17.24% or 21.24% (Variable)
Intro APR (Purchases):	0% for 18 months
Intro APR (Balance transfers):	0% for 18 months
Rewards Rate:	None
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
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
No Penalty APR.
Late Fee Waiver.
No Foreign Transaction Fees.
$0 Annual Fee.
$0 liability for unauthorized purchases.

Is HSBC Gold Mastercard worth it?

HSBC Gold Mastercard is a great card for balance transfers and paying off big purchases over time, with a 0% Intro APR for 18 months. This card also allows one missed payment per year without charging a late fee.

Pros

0% Intro APR on purchases and balance transfers for 18 months
No annual fee

Cons

Higher than average balance transfer
No rewards

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	4% of the balance transfer amount/credit card check or $10, whichever is greater
Cash Advance Fee	4% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Get Started with HSBC Gold Mastercard

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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.

First PREMIER Bank Mastercard Credit Card Review

Rating: 4 Stars

Bottom Line:
Valuable Credit Line with Fees

Apply Now

Card Details

Regular APR:	36%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Fair
Annual Fee:	$50 – $79 the first year, $45 – $49 after that
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
Must have checking account to qualify
No Security Deposit Required
If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
If approved, reports your credit history to the major Consumer Reporting Agencies.
Easy Online Application!

Is First PREMIER Bank Mastercard Credit Card worth it?

Mastercard from First PREMIER Bank provides a valuable credit line to people looking to improve their credit score without having to make a cash deposit upfront. However, the high fees make the card expensive to open and maintain. A secured card is worth considering, where you make a cash deposit upfront.

Pros

Free FICO credit score
Available to individuals with poor or no credit
Build your credit

Cons

$25 – $95 program enrollment fee and $6.25 – $10.40 monthly fee
High interest rate
High credit limit increase fee
Foreign transaction fee

Why 4 Stars?

Regular APR

4 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	$8.00 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APR	Not Stated In Terms And Conditions

Get Started with First PREMIER Bank Mastercard Credit Card

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Fifth Third Bank Truly Simple Credit Card Review

Rating: 4 Stars

Bottom Line:
Long No Interest Intro Period For Purchases and Balance Transfers And No Annual Fee

Apply Now

Card Details

Regular APR:	13.99% to 24.99% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	None
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
Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.99%-24.99% based on your creditworthiness.
No Penalty Rate (APR) for a missed payment
No Annual Fee

Is Fifth Third Bank Truly Simple Credit Card worth it?

Fifth Third Bank Truly Simple is a simple card for cardholders looking to make a big purchase or pay off debt, with 0% Intro APR on purchases and balance transfers. The balance transfer fee is higher than average and the card does not offer rewards, but there is no annual fee.

Pros

0% for 15 months on balance transfers
No Penalty APR on missed payments
No annual fee

Cons

Foreign transaction fee
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	4% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee	5% of the amount of each transfer or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank Truly Simple

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Fifth Third Bank TRIO Credit Card Review

Rating: 4 Stars

Bottom Line:
Cash Back With A Capped Amount But Without An Annual Fee

Apply Now

Card Details

Regular APR:	16.24% to 25.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back at restaurants 2% cash back on gas, grocery store and drug store purchases (on up to $1,500 in combined qualified purchases per quarter) 1% cash back on purchases after $1,500
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
3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
1% unlimited cash back on all other purchases
Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.99%-24.99% based on your creditworthiness
No international transaction fees on credit purchases
No Annual Fee
Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

Is Fifth Third Bank TRIO Credit Card worth it?

Fifth Third Bank TRIO is a strong card for cardholders who spend a modest amount on dining, which earns 3 cash back, and on gas, grocery stores and drugstores, which earn 2% cash back, which, together with dining, earn at their respective cash back rates up to a combined spending of $1,500 per quarter across all categories.

The value of each point is $0.01, so you receive the $100 signup bonus if you spend $1000 in the first 90 days in the form of 10,000 Rewards Points, which you can take as a $100 check or as a deposit in a Fifth Third account. For small spenders looking for cash back and perhaps a balance transfer, this is a strong card.

Pros

$100 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on balance transfers
No annual fee
No foreign transaction fee

Cons

$1,500 per quarter is a low cap for many cardholders in combined gas, grocery stores, drugstores, and dining spending
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 4% 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

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank TRIO

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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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Brex Card for Ecommerce Review

Rating: 5 Stars

Bottom Line:
60-Day Charge Card for Ecommerce Startups With $100,000 In Monthly Revenue

Apply Now

Card Details

Regular APR:	None
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(740-850) Excellent
Annual Fee:	Up to $60
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
60-day interest-free non-revolving credit for e-commerce businesses. Pay for your inventory today and you?ll have 60 days to pay Brex back.
Get a credit limit at 50-100% of your projected monthly sales, up to $5 million.
$100,000 in monthly sales required to qualify for Brex Card for Ecommerce.
No personal guarantee needed – we do not ask for a personal credit check or security deposit during the application.
Instant approvals and access a virtual card immediately for online and recurring transactions. Seamlessly add new users, issue new cards, and set specific spending limits.
Enjoy worldwide acceptance with no foreign transaction fees.
Make employee expenses seamless – automated receipt-capture and expense matching and reconciliation via text and email.
Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.
Never liable for unauthorized transactions. Your account stays secure with 24/7 real-time fraud monitoring.

Is Brex Card for Ecommerce worth it?

Brex Card for Ecommerce is a 60-day charge card for startup businesses that offers a significantly higher credit limit than other business cards. The annual fee for Brex cards is up to $60, significantly lower than the annual fee for traditional business cards.

Pros

Extra 60 days to pay off balance without interest
High credit limits
No personal guarantee required – does not impact personal credit

Cons

Requires $100,000 in monthly revenue to qualify
No intro bonus
No rewards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Brex Card for Ecommerce

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Bank of America Cash Rewards Review

Bank of America? Cash Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Apply Now

Card Details

Regular APR:	15.74% – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases 1% cash back on all other purchases
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
No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% – 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

Bank of America Cash Rewards worth it?

Bank of America Cash Rewards is a strong card for cardholders who spend a lot on gas, online shopping, dining, travel, drug stores or home improvements and furnishings, which earn 3% cash back and are selected by the cardholder monthly.

Pros

$200 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on purchases and balance transfers
No annual fee

Cons

3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
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 Cash 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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Bank of America Business Advantage Cash Rewards Mastercard Review

Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Apply Now

Card Details

Regular APR:	14.49% – 24.49% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) 2% cash back on dining 1% cash back on all other purchases
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
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don?t expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You?ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America checking or savings account.
Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Is Bank of America Business Advantage Cash Rewards Mastercard worth it?

Business Advantage from Bank of America is a great card for small business owners who use the 3% cash back rewards category on the first $50,000 in purchases. With a foreign transaction fee, the Business Advantage card makes traveling internationally slightly more expensive.

Pros

$300 statement credit bonus if you spend $3,000 within the first three months
3% cash back in your choice of one of six spending categories and 2% cash back on dining purchases, up to $50,000 in combined category purchases per year
0% Intro APR for 9 billing cycles on purchases
No annual fee

Cons

3% foreign transaction fee
3% Cash back is capped at $50,000 spend
Below average 1% ongoing cash back rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
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

Luggage Reimbursement

Price Protection

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Business Advantage Cash Rewards Mastercard

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BankAmericard Review

Rating: 4 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Apply Now

Card Details

Regular APR:	14.74% ? 24.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for balance transfers made in the first 60 days
Rewards Rate:	None
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
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO Score for free within Online Banking or your Mobile Banking app

Is BankAmericard worth it?

BankAmericard from Bank of America is a great card for purchases and balance transfers with 0% Intro APR for 15 billing cycles (for balance transfers made in the first 60 days). This card does not offer rewards.

Pros

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
0% Intro APR for 15 billing cycles for any purchases

Cons

No rewards

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $10, whichever is greater
Cash Advance Fee	See Terms (has exception)
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with BankAmericard

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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

Credit Cards Research:

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If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

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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.