This card offers solid cash back in some popular categories (4% cash back on gas up to $7,000 spent annually!) A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. Why We Like It: In a word: flexibility. Grocery and drugstore reward cards can deliver big savings and points for gift cards or bigger savings later. The Bonus: 60,000 bonus points (worth up to $750 in travel) when you spend $4,000 in the first three months of card membership. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. With unlimited access to Quartz you’ll get contextualized, digestible, and high-quality business news that offers a fresh perspective on the ideas and trends shaping the global economy. Citi is a CardRatings advertiser. In this case, travel, restaurants, mega-sized ketchup and more make this card a winner. * Activate for free. Talk about easy to use. The Bonus: There's not a traditional bonus with this card, but you will get the benefit of having your credit card use reported to the credit bureaus, which is what you need if you're working to rebuild your credit. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. Find out what's best for you. If you're willing to use a couple of different cards strategically, you could likely earn more using different cards for different purchases. Again, there’s a lot of value to having this card, but if you don’t travel much and don’t think you’ll utilize the numerous travel perks that membership gains you, you might be offer with a less expensive card. With regular use, offsetting the fee shouldn't be too difficult. There are a lot of misconceptions about the impact that applying for credit cards can have on your credit score. They frequently come with a pitch that goes something like, "Would you like to save 10% on your purchase today by opening a [insert store brand here] credit card." Digital wallets have been around for a while now, and both the technology and security have improved to the point where they’re arguably more convenient and more secure than your regular wallet. Obviously, going from paying 16.99% interest (for instance) on an existing balance to paying 0% interest can save you a ton of money and allow you to take a little extra time paying off that debt interest-free. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies. The miles you earn with the Venture card can be combined with miles you can earn with a. You can see whether you pre-qualify without going through a credit check. Unlimited 1.5% cash back on all purchases is a solid offer for a card with no annual fee. If you do need a little extra time to pay off a big purchase or existing credit card debt, a 0% intro period could be a lucrative offer. and doesn't charge an annual fee. Membership Rewards® points are highly coveted in the travel rewards world and could open doors to more family vacations while paying less. This card offers intro 0% APR for 15 months on new purchases. INTRO OFFER: Unlimited Cashback Match - only from Discover. If that’s the case, don’t worry—there are only two questions you need to ask: is this all worth it? Rewards Rate: Earn two points per $1 spent on travel and dining worldwide and one point per $1 on all your other purchases. This is designed as a travel rewards card, so if that isn't a big part of your business' spending, look elsewhere for your small business credit card. Rewards Rate: Earn 3% cash back on purchases at U.S. supermarkets (up to $6,000 spent each year, then 1%), earn 2% back at U.S. gas stations and at select U.S. department stores, and earn 1% back on everything else. It's certainly a plus that this card offers cash-back rewards, but there are student cards out there with higher rewards. Your wallet holds your essentials and should be a vessel worthy of that very important task. Your business needs are always changing, and therefore, your spending habits might often change too. There's no minimum spending or maximum rewards. Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. Each week, Quartz takes a deep dive into the companies, people, and phenomena defining the global economy. I couldn't rent the apartment even when I tried to put 2-3 rents in deposit... Yeah...what Amber and especially what LULU said...till you know each circumstance it is silly or worse to make a blanket statement. What's not to like about a card that encourages financial responsibility with cold-hard cash back. This is not a card you'll want to take with you when traveling abroad as it does charge foreign transaction fees. WalletHub’s picks for 2021's best credit cards include cards for people of all credit levels. About those rewards – what kind will you use? Because not everyone travels or needs a 0% intro APR period, but everyone spends money and has expenses, so earning cash back can fit into just about anyone's personal budget. Therefore, we cannot guarantee the accuracy of the information in this article. The Bonus: Receive 50,000 Chase Ultimate Rewards® bonus points – worth up to $750 in travel – after you spend $4,000 in the first three months. 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