Top 5 Picks for Cashback, Travel & 0% APR Offers
The Chase Sapphire Preferred is perfect for travelers who want to earn valuable points on dining and travel purchases. Points can be transferred to airline and hotel partners or redeemed for 25% more value through Chase Travel.
The Amex Gold is ideal for food lovers who dine out frequently and shop at grocery stores. The dining and Uber credits help offset the annual fee, making it a great value for the right user.
The Citi Double Cash is perfect for those who want a simple, no-fuss cashback card. With no annual fee and 2% back on everything, it's a great everyday spending card.
The Discover it Cash Back is great for those who want to maximize rewards on specific spending categories. The cashback match in the first year effectively doubles your rewards.
The Capital One Venture is perfect for travelers who want simple, flat-rate rewards on all purchases. The miles can be redeemed for travel purchases or transferred to airline partners.
| Card | Annual Fee | Sign-up Bonus | Rewards Rate | APR | Best For |
|---|---|---|---|---|---|
| Chase Sapphire Preferred | $95 | 60K Points ($750) | 2X Travel/Dining | 16.99-23.99% | Travel |
| Amex Gold | $250 | 60K Points ($1,200) | 4X Dining/Groceries | 18.99-26.99% | Dining |
| Citi Double Cash | $0 | None | 2% Everything | 18.99-28.99% | Simple Cashback |
| Discover it Cash Back | $0 | Cashback Match | 5% Rotating | 16.99-27.99% | Categories |
| Capital One Venture | $95 | 75K Miles ($750) | 2X Everything | 19.99-29.99% | Travel |
Compare offers, read reviews, and apply for the card that best fits your lifestyle.
The American Express Gold Card offers the highest value sign-up bonus at 60,000 points worth $1,200 when redeemed for travel. The Chase Sapphire Preferred also offers 60,000 points worth $750, while the Capital One Venture offers 75,000 miles worth $750.
Most of these cards require a good to excellent credit score (670-850). The Discover it Cash Back is more accessible with fair to good credit (580-739). Check your credit score before applying to avoid unnecessary hard inquiries.
Yes! The Citi Double Cash offers 0% APR for 18 months on balance transfers, and the Discover it Cash Back offers 0% APR for 15 months on both purchases and balance transfers. These are great options if you need to consolidate debt or make a large purchase.
The Citi Double Cash is excellent for everyday spending with its simple 2% cashback on all purchases. The Capital One Venture is also great with 2X miles on everything. For category-specific spending, the Amex Gold offers 4X on dining and groceries.
Choose cashback if you prefer simplicity and want to use rewards for anything. Choose travel rewards if you travel frequently and can maximize the value through airline/hotel transfers or travel portals. Travel cards often offer better sign-up bonuses but may have higher annual fees.
Annual fees range from $0 (Citi Double Cash, Discover it) to $250 (Amex Gold). Higher annual fees often come with better rewards rates and credits that can offset the cost. For example, the Amex Gold's $250 fee is offset by $240 in dining and Uber credits, making it essentially $10/year.
Yes, you can have multiple credit cards! Many people use different cards for different spending categories to maximize rewards. Just be sure to manage them responsibly and avoid carrying balances on high-APR cards. Consider your credit utilization and ability to meet minimum spending requirements for sign-up bonuses.
You can apply online through the card issuer's website, by phone, or in person at a bank branch. You'll need to provide personal information including your Social Security number, income, and employment details. The application typically takes 5-10 minutes, and you may receive an instant decision or have to wait for review.