Credit Card Offers

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Over the years I’ve carried just about every credit card you can think of. From Amex to Discover, Chase to Capital One, and even Citi, there’s not a major credit card that hasn’t found its way into my wallet. From this experience I review the best credit card offers you’ll find anywhere. Here you’ll find my three featured choices by category (e.g., cash back, balance transfer, travel, etc.):

Cash Back

Today I use cash back cards for virtually every purchase. It’s an easy way to earn 1% or more on every purchase you make.

Credit Card Cash Back
Rewards
Ongoing
APR
Reward
Type
Annual
Fee
Discover it®

5% cash back on up to $1,500 in purchases on rotating categories10.99% – 22.99%* VariableCash Back$0
Barclaycard® Rewards MasterCard® - Average Credit

Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else24.99%* VariablePoints$0
Discover it® chrome

2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.10.99% - 22.99%* VariableCash Back$0

For more available offers, visit our cash back credit card page.

Balance Transfer

My wife and I used 0% balance transfer cards to get out of debt faster and for a lot less in interest payments. Here are 3 cards that have some of the longest 0% introductory rates available today:

Credit Card Introductory
Rate
Ongoing
APR
Reward
Type
Annual
Fee
Discover it®

0% on purchases for 6 Months and balance transfers for 18 Months10.99% – 22.99%* VariableCash Back$0
Barclaycard Arrival™ World MasterCard®

0% on purchases for 12 Months and balance transfers for 12 Months14.99% or 18.99%* VariableMiles$0
The CarnivalTM MasterCard®

0% on purchases for 12 Months and balance transfers for 12 Months13.99%, 16.99% or 20.99%* VariablePoints$0

For more available offers, visit our balance transfer credit card page.

Travel

Travel rewards cards are ideal for individuals or families that travel each year. These cards offer a quick way to build rewards fast and earn free travel.

Credit Card Travel
Rewards
Ongoing
APR
Reward
Type
Annual
Fee
Barclaycard Arrival Plus™ World Elite MasterCard®

Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening14.99% or 18.99%* VariableMiles$89 - waived first year
The CarnivalTM MasterCard®

13.99%, 16.99% or 20.99%* VariablePoints$0
Priceline Rewards™ Visa® Credit Card

Earn 5,000 bonus points after your first purchase and 5X points on Priceline.com purchases14.99% or 21.99%* VariablePoints$0

For more available offers, visit our travel rewards credit card page.

Secured Cards

If you are just starting out or rebuilding your credit, secured credit cards are the place to start.

Credit Card Introductory
Rate
Ongoing
APR
Reward
Type
Annual
Fee
Open Skysm Secured Visa® Credit Card

0% on purchases for and balance transfers for 17.50%$29
USAA Secured Platinum Card

0% on purchases for N/A and balance transfers for N/A9.90% (Variable)$35
USAA Secured Platinum American Express Card

0% on purchases for N/A and balance transfers for N/A9.90% (Variable)$35

For more available offers, visit our secured credit card page.

Airline Miles Cards

I separate out these from more generic travel cards. Airline miles cards are ideal if you fly on one airline frequently. These can often beat out other travel card options.

Credit Card Airline Travel
Rewards
Ongoing
APR
Reward
Type
Annual
Fee
The US Airways® Premier World MasterCard®

Earn up to 40,000 bonus miles on qualifying transactions15.99%, 19.99% or 24.99%* VariableMiles$89
Barclaycard Arrival Plus™ World Elite MasterCard®

Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening14.99% or 18.99%* VariableMiles$89 - waived first year
Miles & More® Premier World MasterCard®

Earn 20,000 award miles after your first purchase or balance transfer15.99% or 24.99%* VariableMiles$79

For more available offers, visit our airline miles credit card page.

Prepaid Cards

For those without a bank account or who simply want a way to manage their money.

Prepaid Card Activation
Fee
ATM Fee Monthly Fee Credit
Needed
Star Trek Original Series Design CARD.com Visa® Prepaid Card

$0$3up to $5.95 monthly feeNo Credit Check
PayPal™ Prepaid MasterCard®

$0$1.95*$4.95 monthly feeNo Credit Check

For more available offers, visit our prepaid debit card page.

Published or Updated: June 20, 2014