At DailyMarkets.com we sift through hundreds of credit cards in the US with the latest updated offers directly from banks. We tell you which are the best credit cards in different categories: Rewards, 0% balance transfer, cashback, hotel & airline, business, student. We will also recommend the best credit cards for bad or no credit. When you click Apply Now, we send you off to the card issuer’s official online application.
The following are 2014’s best credit card offers as ranked by the DailyMarkets.com staff:
Best Cash Back Credit Cards
Cash back credit cards give you back a certain percentage of what you spend in the form of cash rebates which is cold, hard cash. It is like getting a discount every time you spend on your card. Most of the cash back cards below have no annual fee.
Discover it® Card is one of the best cash back credit cards available. This Discover (NYSE:DFS) card gives you 5% cash back on purchases in quarterly rotating categories (gas, department stores, travel, home improvement, restaurants, movies, etc) you sign up for. You get unlimited 1% cash back automatically on everything else you purchase. Discover it Card offers a 0% introductory APR on purchases and balance transfers for 14 months (10.99%-22.99% variable APR thereafter). What we absolutely like about their cash rebates is that you can double the value of your rebates by redeeming them for certain gift cards (over 100 partner stores). To give you some examples, a $40 rebate can be redeemed for a $80 Carnival Cruise; a $40 rebate can be redeemed for a $100 certificate from Hyatt Hotels & Resorts; a $20 rebate can be exchanged for a $40 Samsonite gift card!
Click here to read our detailed review of Discover it Card.
Chase Freedom® – $100 Bonus Cash Back is one of the top cash back credit cards in the US, and it is issued by JPMorgan Chase(NYSE:JPM). You get 5% cash back on quarterly rotating categories, which can save you quite a bit of money if you plan your spending in advance. This July-September, 2014 quarterly category lets you earn 5% cash back at gas stations and Kohl’s®, on up to $1,500 in combined purchases for this quarter. You have to sign-up in order to activate the category. You will earn unlimited 1% cash back on everything else. Promotion for new sign-ups to Chase Freedom – $100 Bonus Cash Back: Get a $100 check after spending just $500 on purchases within the first 3 months of account opening and a $25 Bonus when you add an authorized user and make a purchase within this same 3-month period. There is nothing we don’t like about this card at all!
This $100 cash back Bonus is, in fact, one of the largest in the market right now. Click on this link to apply for Chase Freedom – $100 Bonus Cash Back.
Click here to read our detailed Chase Freedom review.
BankAmericard Cash Rewards™ Credit Card is a cash rewards credit card with $0 annual fee for those of you who like to earn cash rewards when you make purchases. With this card, you will get a $100 cash back bonus if you make at least $500 in purchases in the first 90 days; this offer is online-exclusive. As for cash rewards, you will receive 2% cash back at grocery stores and 3% cash back on gas on the first $1,500 you spend in combined grocery store and gas purchases each quarter. For all other purchases, you will earn 1% cash back. Unlike many other credit cards, you don’t have to enroll in any rewards program to receive your cash back. Your cash back doesn’t expire, and you can choose to redeem it in the form of a statement credit, check, or directly into a Bank of America® checking or savings account. You’ll enjoy 0% intro APR on purchases and qualifying balance transfers for 12 billing cycles. After that, the variable APR for purchases and balance transfers is 12.99% – 22.99%. Note that balance transfers must be made within the first 60 days of account opening to qualify for the Intro APR. Balance Transfer fees equal 3% of each transaction (minimum $10). See Terms and Conditions for Balance Transfer Fees and for fees that apply to other transaction types.
Click here to read our detailed BankAmericard Cash Rewards™ Credit Card review.
Citi® Dividend Platinum Select® Visa® Card – $100 Cash Back is also one of the best cash back cards in the US. It is offering a $100 bonus when you spend $500 within 3 months of signing up. The cash back you earn will be capped at $300 per calendar year, excluding the $100 cash back with this offer. This Citi card gives you 5% cash back from Citi on quarterly rotating categories, just like the Chase Freedom card. The Citi Dividend Platinum Select gives you 1% cash back on all other purchases, and up to 5% cash back when you shop with Citi’s (NYSE:C) partner merchants. You also get 0% intro APR on purchases and balance transfers during the first 12 months. After that, the regular APR will be 12.99%-22.99% (Variable). This card has no annual fee.
Click here to read our detailed Citi Dividend Card review.
Best Hotel & Airline Credit Cards For Frequent Travelers
Hotel and airline credit cards not only let you earn points when you stay at a particular brand of hotel or fly on a particular airline, they also give you points on your everyday spending, which you can later use to redeem for air tickets or hotel stays.
Capital One® Venture® Rewards Credit Card. With this card you will earn a one time bonus of 40,000 miles (worth $400 in travel) when spending $3,000 on purchases within the first 3 months as well as 2 miles per dollar spent on any purchase, which means that your mileage will increase twice as fast! There is an annual fee of $59 which is waived for the first year!
Click here to read our detailed Capital One Venture review.
United MileagePlus® Explorer Card is one of the best airline credit cards in the US. It is a great credit card for those who fly frequently or like flying with United Airlines. You get 2 miles for every $1 you spend purchasing tickets directly from United, and 1 mile for every $1 you spend on all other purchases made with your card. You can redeem your miles for flights, hotel stays and car rentals. You can earn unlimited miles and your miles don’t expire. First checked bag is free for cardmember and companion if tickets are paid with this card. Receive two free day passes to the United Club lounge every year, so you can relax in style before boarding your flight. Promotion for new sign-ups to United MileagePlus Explorer: After you spend $1,000 in the first 3 months, you will get 30,000 bonus miles! No foreign transaction fee. $0 introductory annual fee for the first year, after that $95 annual fee.
Click here to read our detailed review of United Credit Card.
Best 0% Balance Transfer Credit Cards
Got an existing credit card or store card debt? Consolidate all your high-interest debt by moving it to another card that offers 0% interest on balance transfers for a specific period of time so that you can pay off your existing debt interest-free during that period. All the 0% balance transfer cards below don’t have any annual fee.
Discover it® Card – 18 Month Balance Transfer Offer is a time-limited card offer. For new sign-ups who apply, you get 0% introductory APR on balance transfers for 18 months. That means you can have up to one and a half years to pay off your existing card debts at ZERO interest with this Discover it Card – 18 Month Balance Transfer Offer! You still have to pay a balance transfer fee of 3% even though you pay zero interest. This card also offers a 0% intro APR on purchases for the first 6 months of card membership (10.99%-22.99% variable APR thereafter). As it is also a rewards card, it gives you cash back whenever you make purchases, giving you more savings on your spending.
Click here to read our detailed review of Discover it Card – 18 Month 0% Balance Transfer.
Citi Simplicity MasterCard is one of the top 0% balance transfer cards as it offers one of the longest duration of 0% intro APR on balance transfers for 18 months. After this introductory period your regular APR will be 12.99%-21.99% (Variable). For each balance transfer, you pay just 3% of the amount you transfer as fees, or $5 minimum. Some credit cards charge up to 5% balance transfer fee. The Citi Simplicity MasterCard also has a 0% intro APR on purchases for 18 months (12.99%-21.99% regular purchase APR thereafter). This card doesn’t have any rewards program.
Click here to read our detailed Citi Simplicity Card review.
Citi Diamond Preferred Card also offers a 0% intro APR on balance transfers for 18 months, with a variable 11.99%-21.99% regular APR thereafter. Like the Citi Simplicity Card, you pay just 3% of the amount you transfer as fees, or $5 minimum, and it also has a 0% intro APR on purchases for 18 months (11.99%-21.99% variable APR thereafter). This Diamond card gives you exclusive perks such as Private Pass, retail purchase protection, price protection and extended warranty on certain items you purchase. The Citi Diamond Preferred Card doesn’t have any rewards program, however you can sign up to Citi® Easy Deals℠ and earn Citi Easy Deals Points for the purchases you make with this card. City Easy Deals Points can be redeemed for great online deals on gift cards, local deals and brand-name merchandise.
Click here to read our detailed Citi Diamond Preferred Card review.
Best Rewards Credit Cards With No Annual Fee (Including Travel)
Rewards credit cards let you earn points on your spending so that you can later redeem all those points for rewards ranging from free air tickets, hotel stays to merchandise, gift cards or even cash.
Chase Sapphire Credit Card is a great rewards credit cards with no annual fee. Whether you are someone who travels frequently or likes to earn points throughout the year to later redeem a large reward such as a flight, hotel stay or other rewards, this is an excellent choice of card. It gives you 2 points for every dollar you spend on dining as well as on booking air tickets and hotel stays through Ultimate Rewards, their online travel booking site. For everything else, it gives you 1 point for each dollar of purchase. You can redeem your points for cash, airline tickets, hotel, car rental, cruise certificates, merchandise or gift cards. There’s no limit to the number of points you can earn and points never expire. Promotion for new sign-ups to Chase Sapphire Credit Card: After spending $500 within the first 3 months, you will receive 10,000 points, or $100 in rewards.
Click here to read our detailed Chase Sapphire Card review.
Citi ThankYou Preferred Card – Earn 20,000 Bonus Points is a great no-fee rewards card that rewards you on your spending. It gives you 2 points for each dollar spent dining and on entertainment purchases as well as 1 point for every $1 you spend on all your other purchases. You can redeem your points for cash, gift cards, flights, hotels, merchandise, or even towards your student loans or mortgage. Promotion for new sign-ups: Receive 20,000 bonus points when spending $1,500 within the first 3 months of account opening.
Click here to read our detailed Citi ThankYou Preferred Card – Earn 20,000 Bonus Points review.
Best Business Credit Cards With No Annual Fee
Are you an entrepreneur or a small business owner? Business credit cards are useful as they not only give you a line of credit for your business expenses, they also reward you when you spend on your card.
Ink Cash Business – $200 Bonus Cash Back credit card from Chase is hands-down the best cash back business credit card, with the largest cash back bonus ever to boot. You get 5% cash back when you purchase office supplies, cable services, and telecom services, up to a maximum of $25,000 a year (1% thereafter), and 2% cash back on dining and gas purchases, for the first $25,000 spent annually. You get unlimited 1% cash back on all other business purchases. And if you shop online at their online mall, you can get up to 10% cash back. There is no limit to the amount of cash back you can earn. Promotion for new sign-ups: You get 20,000 bonus points (which can be redeemed for $200 cash back) when you spend $3,000 in the first 3 months. It offers a 0% introductory APR on purchases and balance transfers for the first 12 months (13.24% variable APR thereafter). It has many protection benefits such as purchase protection, extended warranty and many more. There is no annual fee for you or any additional cards you might want to get for your employees. Ink Cash Business – $200 Bonus Cash Back is the card to get if you want maximum cash rebates in return for your business spending, without paying any annual fee.
Click here to read our detailed Chase Ink Card review.
Capital One Spark Miles Select for Business is another good business credit card as it gives you 1.5 miles for every dollar you spend on all your purchases, and offers a 0% intro APR on purchases till February 2015 (after the intro period there is a variable APR of 12.9% – 20.9%). You will also receive a one-time bonus of 10,000 miles if you spend $3,000 within the first 3 months of having this card. There’s no limit to the amount of miles you can earn, and your miles don’t expire. You can get your miles whenever you want. Like Ink Cash, you can get additional credit cards for your employees for free and set spending limits on them so that you can keep tabs on your employees. You also get $0 fraud liability protection if your card is lost or stolen, and free itemized year-end summary. This Capital One Spark Miles Select for Business card is ideal for new business owners.
Click here to read our detailed Capital One Spark Miles Select for Business review.
Best Student Credit Cards
Unlike debit cards, student credit cards can help you establish a credit history, and if you make purchases with it and pay your bills on time, you would build a good credit score over time, which is important when you find employment in the future or apply for loans. All the student cards below have no annual fee.
Citi ThankYou Preferred Card for College Students is a great student card option for those who like earning rewards, as you can earn 2,500 bonus ThankYou points when you spend $500 in purchases within the first 3 months. Every dollar you spend dining at restaurants and on entertainment will earn you 2 points, and you’ll earn 1 point for each dollar you spend on other purchases. You’ll also enjoy 0% intro APR on purchases for 7 months, and a variable 13.99%-23.99% regular APR thereafter.
Find out more in our detailed review of the Citi ThankYou Preferred Card for College Students.
Discover it® Student Card is an excellent choice of card for students as it gives you 5% cash back in quarterly rotating categories such as movies, restaurants, gas stations, department stores, etc. on up to $1,500 spent quarterly when you sign up. You will get automatic 1% cash back for every purchase you make. When you shop online at ShopDiscover (over 100 retailers such as Dell, Best Buy, etc), you can get 5% to 20% cash back bonus. Like the regular Discover it Card, you can double the value of your rebates when redeeming your rebates for gift certificates from certain retail partners. Enjoy 6 months of 0% introductory APR on purchases (12.99% – 21.99% variable APR thereafter). There is no limit to the amount of rebates you can earn with the Discover it Student Card, and rebates don’t expire.
Click here to read our detailed Discover it Student Card review.
Citi® Dividend® Card for College Students is another good choice of a student card as it gives you 5% bonus cash back on quarterly purchases with previous enrollment. You get 1% cash back for everything else. You will get your cash rebates as “Dividend Dollars”, which can be redeemed for $50 checks upon your request. You can earn a total of up to $300 in cash back per calendar year. The Citi Dividend Visa Card for College Students also offers a 0% introductory rate on purchases for 7 months, and a 13.99%-23.99% variable regular purchase APR thereafter. No annual fee.
Click here to read our detailed Citi Dividend Visa Card for College Students review.
Best Credit Cards For Bad Or No Credit
If you have a bad credit score or don’t have any credit history, you can rebuild or establish your credit with secured credit cards, which are actual credit cards, not prepaid debit cards (debit cards do not help build credit). Below we list the best secured credit cards you can apply for even with bad or no credit.
Capital One® Secured MasterCard® is the best credit card to get if you want to rebuild or build your credit. The minimum refundable security deposit is $49, $99 or $200 depending on your credit score, credit lines from $200 up to $3,000 are available. As an actual credit card, your payment information is reported to the 3 major credit bureaus in the US, so if you pay on time each month, your credit score should improve.
Click here to read our detailed Capital One Secured Credit Card review.