This card is an excellent general travel and entertainment card with a low annual fee. It earns 3x on all travel and gas, and 2x on entertainment and restaurants.

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, and Cathay Pacific.

The entertainment bonus category is a rare one and will reward you if you spend a lot of money on things like concert tickets or Broadway shows.

Review: Get a free checked bag and preferred boarding on American Airlines. Earn 2x AAdvantage miles at gas stations and restaurants, as well as on American Airlines. Also earn a $100 flight discount after spending $20,000 and renewing your card.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Review: Get full Admirals Club Membership for the primary cardholder, plus Admirals Club access for authorized users. Get a free checked bag for you and up to 8 companions on the same record, priority boarding, priority check-in, and priority screening (screening where available).

Earn American Airlines AAdvantage miles, and earn a bonus of 10,000 EQMs (towards elite qualification) in any calendar year you spend $40,000 on the card.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

This is the no-fee version of the IHG Rewards Club Premier Credit Card, with somewhat reduced benefits in exchange for not having an annual fee.

The IHG credit card is best suited for spend at IHG properties where it earns IHG points at the rate of 5x IHG points per dollar (vs. 10x IHG points with the IHG Rewards Club Premier Credit Card).

This card still gives you the 4th Night Free on an Award Stay benefit which is one of the best reasons to have either IHG credit card, although you do give up many other features of the IHG Rewards Club Premier Credit Card which does have an annual fee.

The Chase Freedom Flex is the evolution of the Chase Freedom card, long a staple of the Chase card portfolio.

The Freedom Flex takes the best part of the Chase Freedom (rotating quarterly 5X bonus categories) and adds a ton of new features:

Chase Freedom Flex Earn Rate:

• 5X on travel when purchased through the Chase Ultimate Rewards portal*
• 5X on rotating quarterly bonus categories (max of $1,500 per quarter in spend; activation required – same as existing Freedom card)
• 3X on dining (including takeout and delivery)
• 3X at drugstores
• 1X on everything else

(* Keep in mind, booking via the portal for hotels means that you won’t, in most cases, earn any hotel points / stay credits nor have any hotel elite status honored. For airlines, the fares are generally the same or similar, however, it does mean that you have to deal with Chase for changes instead of the airline directly – and that can be a big hassle.)

Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above. 

o% APR Offers - Intro and Balance Transfers

Get a 0% Intro APR on both balance transfers and purchases for 15 months

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

The ABOC Platinum Rewards Mastercard® Credit Card offers an intro 0% APR for your first 12 months.

It earns 1 point per dollar and also earns 5X points on categories that rotate each quarter, up to $1,500 per quarter, like dining, groceries, Amazon.com, gas, etc. 

ABOC points are redeemed for gift cards or travel and are worth approximately 0.8 cents each - equating to about a 4% cash back on the rotating quarterly categories. 

This is also a popular card for people with credit rated "Fair" or "Average".

This Student credit card earns 2x on supermarkets and gas, up to a combined $6,000 per year.

It earns 1x ThankYou Points on everything else and gives you the ability the ability to get 10% Points Back for the first 100,000 ThankYou points as you redeem them each year.

The Citi Double Cash credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back - or earn / transfer them to ThankYou Points for 2X points on all spend.

Balance Transfer Offer

Get a 0% intro APR on Balance Transfers for 18 months

The Citi Diamond Preferred credit card isn't about travel rewards. It's designed for those that want to take advantage of its 18 month long 0% intro APR and 18 month Balance Transfer offers.

Citi Diamond Preferred 0% APR Balance Transfer Offer:

Within the first four months after approval, you will get a 0% Intro APR on balance transfers for 18 months (this is from the date of your first transfer). The APR following the intro period is variable. This is currently the longest 0% APR balance transfer period on the market.

You must complete all Balance Transfers within the first four months following approval.

A $5 or 3% balance transfer fee applies, whichever is greater.

Citi Diamond Preferred 0% Intro APR Offer

You'll also get a 0% Intro Apr on all new purchases for the first 18 months.

If you don't already have a credit history in the United States, likely because you are a new arrival without a Social Security Number, you are in the awkward position of trying to prove to US credit card companies that you are credit worthy.

The Jasper Mastercard® is designed just for you, with credit lines up to $5,000. 

Your on-time payments will be reported to US credit bureaus, which will help you build your US credit history. 

There are no annual fees, and you can even add Jasper to your mobile wallet like any other Mastercard. 

A Jasper rewards program is coming soon, but for right now you will not earn any rewards or cash back.

The Deserve EDU credit card is designed for students looking to build their credit profile while still earning 1% back in rewards.

Deserve EDU Review, Features and Benefits

• Amazon Prime Student free for one year after your first purchase.
• Cell Phone Protection (Up to $600 a year; see terms)
• Car rental Collision Damage Waiver (CDW) coverage (see terms)
• No annual fees
• No foreign transaction fees
• No Social Security Number is required to apply if you are an international student in the US. (Build your US Credit!)
• Earn 1% Cash Back on all purchases with your Deserve Mastercard