Best No Interest Credit Cards

Citi Rewards+ Review

Rating: 5 Stars

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

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+

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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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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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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Discover it Miles Credit Card Review

Rating: 5 Stars

Bottom Line:
Double Miles In The First Year And Use Miles As Cash Back

Apply Now

Card Details

Regular APR:	14.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	10.99% for 14 months
Rewards Rate:	Unlimited 1.5 miles per dollar spent on all purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

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

Offer Highlights

Click APPLY NOW to apply online
UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it Miles card.
Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Is Discover it Miles Credit Card worth it?

Discover it Miles is a great travel card with 1.5x miles per dollar and the benefit of getting your miles matched at the end of your first year, essentially giving you 3x miles per dollar for your first year. You can also use your miles as cash back.

Pros

Discover matches your miles at the end of your first year
Higher than average travel rewards rate
No annual fee

Cons

Not the best rewards rate when compared to best cash back cards’ rewards rate of 2%

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	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Miles

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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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Bank of America Travel Rewards Review

Bank-of-America-Travel-Rewards-for-Students

Rating: 5 Stars

Bottom Line:
Redeem Travel Rewards On Well Known Travel Websites

Apply Now

Card Details

Regular APR:	17.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for first 12 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	Earn unlimited 1.5 points per $1 spent on all 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
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Use your card to book your trip how and where you want ? you?re not limited to specific websites with blackout dates or restrictions
Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
Comes with chip technology for enhanced security and protection at chip-enabled terminals
If you?re a Preferred Rewards member, you can earn 25% ? 75% more points on every purchase

Is Bank of America Travel Rewards worth it?

Travel Rewards from Bank of America is a great card for travelers who want a flexible travel rewards program that allows them to redeem points on third-party travel sites for no annual fee.

Pros

25,000 online point bonus after spending $1,000 in first 90 days after account opening – that can be a $250 statement credit toward travel purchases
Unlimited 1.5X points an all purchases
No annual fee
No foreign transaction fee

Cons

Travel rewards when redeemed for cash are much less than cash value from cash back rewards cards

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	3% on transaction amount 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

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Travel Rewards

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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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American Express Blue Business Plus Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Points

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X
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 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X.
Earn 10,000 Extra Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
Ability to spend above the credit limit with Expanded Buying Power
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% introductory APR on purchases and balance transfers for 12 months. After that your APR will be a variable rate, currently 14.74% – 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee

Is American Express Blue Business Plus worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2X Membership Rewards points on everyday business purchases up to $50,000 per calendar year, then 1X on all purchases thereafter. That means any purchase you make for your business will earn 2X points.

To earn 2X Membership Rewards points and get their face value, you must redeem them for eligible purchases, such as air, prepaid hotels, vacation packages (flight + hotel packages) or cruise reservations. Those categories cover almost everything in travel, but it’s important to note that for car reservations, non-prepaid hotels, and ticketing services, your points have half the value.

With no annual fee and a 12 month intro period on purchases and balance transfers, this may be a good card for someone starting a business who travels. This card is almost identical to American Express Blue Business Cash, except as noted it earns American Express Membership Rewards points, which have the highest value when redeemed for travel, instead of cash back.

Pros

2X Membership Rewards points on everyday business purchases up to $50,000
Allows some spending above your credit limit
No annual fee

Cons

Lower than average ongoing travel rewards 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	2.7%
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Plus

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American Express Blue Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
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 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Is American Express Blue Business Cash worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2% cash back on eligible purchases on up to $50,000 per calendar year, then 1% on all purchases thereafter. Together with no annual fee and a 12 month intro period on purchases, this may be a good card for someone starting a business.

Pros

2% cash back on all eligible purchases on up to $50,000 per calendar year
Allows some spending above your credit limit
No annual fee

Cons

Lower than average 1% ongoing cash back rate among cash back cards

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% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Cash

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American Airlines AAdvantage MileUp Credit Card Review

Rating: 4 Stars

Bottom Line:
Travel Without An Annual Fee

Apply Now

Card Details

Regular APR:	17.49% to 25.49%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases Earn 1 AAdvantage mile for every $1 spent on 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
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
Earn 1 AAdvantage mile for every $1 spent on other purchases
25% savings on inflight purchases of drinks and snacks when you use your card on American Airlines flights
There’s no limit to the number of AAdvantage miles you can earn
Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines. Your AAdvantage miles can also be redeemed for Business and First Class upgrades, car rentals, hotel stays or vacation packages. The choice is yours
No Annual Fee.
Terms Apply.

Is American Airlines AAdvantage MileUp Credit Card worth it?

American Airlines AAdvantage MileUp is a great card for people who fly American Airlines from time to time, but don’t want an annual fee card. Cardholders earn 2 AAdvantage miles on every dollar spent on American Airlines purchases and at grocery stores, including grocery delivery services.

The card has no annual fee, and as a result you get no first free checked bag and no preferred boarding, which is offered by the other AAdvantage cards issued by Citi. That said, the welcome bonus takes only $500 in spend to hit, so if you’re looking to fly American Airlines and don’t want to shell out for a more premium travel card, American Airlines AAdvantage MileUp is a great card for you.

Pros

Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months

Cons

Foreign transaction fee – not good for a travel card, unless you only travel domestically
No first free checked bag
No preferred boarding

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
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% APR

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Get Started with American Airlines AAdvantage MileUp Credit Card

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American Express Cash Magnet Credit Card Review

Rating: 5 Stars

Bottom Line:
Earn Cash Back and Pay Off Debt

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:	Unlimited 1.5% cash back on your 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 $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Unlimited 1.5% Cash Back on your purchases.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
$0 plan fees for plans set up during your first 15 months of Card Membership with Plan It, a feature that lets you split up big purchases into monthly payments with a fixed fee.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
No Annual Fee.
Terms Apply.

Is American Express Cash Magnet Credit Card worth it?

Cash Magnet from American Express is a flexible card with a simple 1.5% cash back rate on every purchase with no spending caps, as well as 0% Intro APR on purchases and balance transfers for 15 months. The $150 statement credit intro offer is straightforward too.

Pros

Intro offer that is easy to qualify for – earn $150 after first $1,000 in purchases within three months of account opening
0% for 15 months on purchases and balance transfers

Cons

Lower than average cash back rate among cash back cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	3% of the balance transfer amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with American Express Cash Magnet Credit Card

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Citi Simplicity Card Review

Citi Simplicity - No Late Fees Ever Credit Card

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Apply Now

Card Details

Regular APR:	16.24% – 26.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 21 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
No Late Fees, No Penalty Rate, and No Annual Fee Ever
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Is Citi Simplicity Card worth it?

Citi Simplicity Card is an excellent card for paying off debt with 0% Intro APR for 21 months on balance transfers. This card has no rewards.

Pros

0% Intro APR for 21 months on balance transfers
No late fees
No annual fee

Cons

No rewards
Higher than average balance transfer fee

Why 4 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	5% on transaction amount or $5, whichever is greater.
Cash Advance Fee	5% on transaction amount or $10, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Extended Warranty Program

Get Started with Citi Simplicity Card

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Capital One VentureOne Rewards Credit Card Review

Rating: 5 Stars

Bottom Line:
Travel Rewards and 0% Intro APR

Apply Now

Card Details

Regular APR:	14.24% – 24.24% (Variable)
Intro APR (Purchases):	0% for 12 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	1.25 Miles per dollar on every purchase, every day
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
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Earn 1.25X miles on every purchase, every day
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, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Transfer your miles to over 12 leading travel loyalty programs
Enjoy 0% intro APR on purchases for 12 months; 14.24% ? 24.24% variable APR after that
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won?t expire for the life of the account and there?s no limit to how many you can earn

Is Capital One VentureOne Rewards Credit Card worth it?

VentureOne from Capital One is a great travel card with a solid sign up bonus and ongoing rewards rate, no annual fee, and a low regular APR.

Pros

20,000 mile bonus after you make at least $1,000 in purchases in the first 90 days of account opening, equal to $200 in travel
No annual fee
No foreign transaction fee
0% APR for your first 12 billing cycles on purchases

Cons

0% intro APR is not for balance transfers

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	None
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

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One VentureOne Rewards Credit Card

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Chase Ink Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% unlimited cash back on all other card purchases.
Credit Needed:	(740-850) Excellent
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
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Cash Credit Card worth it?

Ink Business Cash from Chase is a great card for small business owners whose expenses are at least $25,000 and who spend a lot on office supplies and phone, internet, or cable TV service. These categories receive 5% cash back on the first $25,000 spent.

Pros

Intro bonus of $500 after you spend $3,000 on purchases in first 90 days from account opening
Free employee cards
No foreign transaction fees
No annual fee
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

5% and 2% cash back rates are capped at $25,000 in combined purchases
Foreign transaction 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	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Cash Credit Card

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