The Best Credit Cards for Father’s Day

by Cory Santos

Last updated on April 3rd, 2024

It’s June and that means Father’s Day is upon us once again. Struggling to find the perfect gift for dad this year? Don’t fret – the BestCards team has some credit card recommendations to help you save money and get dad the ideal present this year. Here are our best Father’s Day credit card picks to help you find something just right for your dad.

At a Glance


Sam's Club® Mastercard®
Bilt Mastercard
Savor Cash Rewards Card
TD Clear

When Is Father's Day This Year?

Father’s Day is a special occasion that lets us show our deep appreciation and gratitude for the incredible fathers and father figures in our lives. Traditionally, Father’s Day is celebrated on the third Sunday of June each year., with Father’s Day 2023 falling on June 18th.

How Can a Credit Card Help You Save on Father's Day?

Credit cards are a useful tool for everyday purchases, but using one on Father’s Day can help you save money and earn rewards if you use it wisely. 

Many credit cards offer cash back or reward points for purchases made at specific retailers or categories, such as department stores, electronics, or restaurants.  Some cards even have lucrative welcome bonuses that can provide you hundreds of dollars in statement credits – just for meeting minimum spending requirements.

The Best Credit Cards for Father's Day

Here are our top Father’s Day credit cards for this year:

Sam's Club® Mastercard®

Sam's Club® Mastercard®
Visit Card Site Terms & Conditions
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair
Mastercard Processing Network
None Annual Fee

Sam's Club® Mastercard®

  • 20.9% or 28.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.9% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 25.90% or 31.65% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
  • Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
  • Earn 3% cash back on dining and takeout
  • Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
  • No annual fee
  • Regular Purchase APR: 20.9% or 28.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.9% or 28.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.90% or 31.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You're a current Sam’s Club or Sam’s Club Plus member
  • You frequently purchase gasoline with a credit card
  • You do't want to pay an annual fee or foreign transaction fee
  • You spend heavily on dining each month
Sam's Club® Mastercard®

Sam's Club® Mastercard®

Terms & Conditions
Visit Card Site Terms & Conditions

Sam's Club® Mastercard®

What do dads love? Watching sports on a big screen TV, of course. So why not maximize rewards when buying a new UHD TV at Sam’s Club with the Sam’s Club® Mastercard®? The Sam’s Mastercard earns 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back, 3% back on dining and takeout, and 1% back on everything else. Oh, we forgot another bonus category: gas. The card earns 5% cash back on gas purchases anywhere Mastercard is accepted. While that 5% back is capped on the first $6,000 per year in spending (after that, 1% back on all gas station purchases), that total amounts to $500 per month.

Sam’s Club (part of the Walmart family) is renowned for its low prices, a unique and large selection of products, free samples, and more. The Sam’s Mastercard credit card lets you maximize your bucks at the box store giant while also getting Dad just what he wanted. And, the credit card acts as your Sam’s Club membership, meaning you save money – as well as card slots in your wallet. 

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card
Visit Card Site Terms & Conditions
Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Mastercard Processing Network
$95 Annual Fee

Capital One® Savor® Cash Rewards Credit Card

  • 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

Make memories while funding future adventures with the Capital One® Savor® Cash Rewards Credit Card. This exclusive entertainment credit card boasts an unlimited 4% cash back on streaming, dining, and entertainment is a great card for couples, families, and social butterflies.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Unlimited 4% cash back on dining, entertainment, and popular streaming services
  • Earn 3% at grocery stores
  • Earn 1% on all other purchases
  • Earn 8% cash back on tickets through Vivid Seats
  • Receive $9.99 statement credit after paying for Postmates Unlimited membership
  • Enjoy comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year
  • Regular Purchase APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • You want to earn an unlimited 4% cash back on streaming, dining, and entertainment, 3% at grocery stores, and 1% on all other purchases
  • You see yourself spending $3,000 within the first 3 months of opening the card to earn that one-time $300 cash bonus
  • You live for unique dining, entertainment, and sports experiences
  • You want complimentary food delivery membership through Postmates
Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Terms & Conditions
Visit Card Site Terms & Conditions

Capital One® Savor® Cash Rewards Card

The Capital One Savor Rewards Card often features on our “best of” lists – and it’s not a coincidence. The card is an excellent option to consider for those who want to maximize their rewards when dining out (or in) or entertaining.

The Savor is another great choice for Father’s Day, as you can treat your dad to a delicious meal, a night out, or any other type of entertainment-related experience he is sure to love. The card earns 4% cash back on dining, entertainment, and popular streaming services; 3% back at grocery stores; and 1% back on all other purchases.

Why not take advantage of the 6% back on tickets through Vivid Seats and take in a movie or game? The Savor really does hit many of the right notes for almost any occasion – including Father’s Day!

Bilt Mastercard

Bilt Mastercard
Apply Now Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

Bilt Mastercard

  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 1X points on rent payments (up to 50,000 points each calendar year)
  • Earn 2X points on travel
  • Earn 3X points on dining
  • Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 29.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You rent and want to earn rewards on your monthly rental payments
  • You're a member of Bilt Rewards
  • You don’t want to pay an annual fee
Bilt Mastercard

Bilt Mastercard

Terms & Conditions
Apply Now Terms & Conditions

Bilt Mastercard

You might be wondering why a credit card for rent is on the “Best Father’s Day Credit Cards” list, but if you are serious about saving money – it should be front and center. The Bilt Mastercard from Wells Fargo is a first-of-its-kind rewards credit card that provides reward points on rent payments with no annual fee.

Cardholders earn 1X points on rent payments (up to 50,000 points each calendar year). Even better, that rewards haul doesn’t depend on your home being in the Blackstone Group – if your landlord doesn’t accept card payments, Bilt will mail a physical check – meaning you’re never not earning!

The Bilt Mastercard also earns impressive points on other everyday purchases. The card earns 3X points on dining purchases, including takeout and delivery services. The card also earns double points (2X per $1 spent) on travel purchases booked directly with an airline, hotel, car rental or cruise line. To earn rewards the cardholder must make at least five purchases with the card each month – a fairly simple task.

So, thinking about taking your dad out for dinner this Father’s Day? Use Bilt and treat yourself, too.

TD Clear

The TD Clear credit card is a unique credit card that eschews APR, instead relying on a monthly fee. Cardholders select from two credit card products with a different credit limits and, as such, a different monthly service fee:

Credit limit $1,000 $2,000
Monthly fee $10 $20
Predictable monthly payments $45 $70

So why is TD Clear a great option for Father’s Day? Because sometimes Father’s Day (or any other celebratory holiday) can get expensive, so having the option to pay a reasonable, manageable monthly fee over an APR that continues to soar as inflation climbs.  Keep in mind, however, that the two credit lines with the Clear credit card are fairly small, so using too much of that available credit can harm your credit score by increasing your overall credit use. 

Browse more of the “Best of” from BestCards

Featured image by Matthew Henry / Burst

Get 50 Cents Off Each Gallon of Gas with BPme Visa

by Cory Santos
BP Visa credit card special offer 50 Cents Off per gallon

Last updated on September 6th, 2023

If BP or Amoco is your go-to gas stop, consider this your lucky day. Until August 1, 2023, new BPme Rewards Visa cardholders enjoy 50 cents off each gallon of fuel at both brands for the first 90 days after account opening. Sounds too good to believe? It isn’t – find out more below:

BP Visa Offers a Huge Welcome Bonus

Are you considering getting a new gas credit card? If so, BP hopes to win your business with a new, limited-time offer. From May 3 to August 1 this summer, bp is offering new BPme Rewards Visa cardholders 50 cents off per gallon on every gallon at bp and Amoco during the first 60 days. To take advantage, you must apply for the BP Visa by August 1 to be eligible for the introductory bonus.

This limited-time welcome offer is double the typical signup bonus with the card. That welcome offer – 30 cents off per gallon for every $100 spent at BP for the first 90 days from account opening –  lasts for an additional month, however. Still, with summer travel getting ready to ramp up significantly, savings of half a dollar can impact stretched finances.

The BPme Rewards Visa is a no annual fee co-branded credit card that is issued through First National Bank of Omaha (FNBO). The card provides lucrative cash back rewards on purchases at bp and Amoco – or anywhere Visa is accepted. Cardholders save 15 cents per gallon every time of fuel they pump at BP and Amoco stations. They’ll also earn cash back on the following eligible purchases:

  • 5% cash back on non-fuel purchases at bp and Amoco
  • 3% cash back on dining and grocery store purchases
  • 1% cash back on purchases made everywhere else Visa credit cards are accepted

Cash back rewards with the BP Visa are redeemed as a statement credit or for gift cards. While this redemption process won’t offer access to first-class airfare or things like that, it does help save you money on your commute – or anywhere else the road takes you.

Here’s how the BPme Visa credit card compares with two other popular gas rewards credit cards:


BPme Rewards Visa Signature®
Shell Fuel Rewards Mastercard
Buc-ee’s Platinum Mastercard®
Fuel savings 10¢ discount on fuel at Buc-ee's stations 10¢ /gallon (up to 35 gallons*) at Shell pumps 10¢ discount on fuel at Buc-ee's stations
Rewards 5% cash back on non-fuel purchases at BP and Amoco; 3% on dining and groceries, 1% on all else 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year, 2% on your first $10,000 Dining and Groceries purchases Per year, 1% on all else N/A
Network Visa Mastercard Mastercard

About BP

BP, formerly British Petroleum, is a leading multinational oil and gas company. BP’s purpose is to reimagine energy for people and our planet. It has set out an ambition to be a net zero company by 2050, or sooner, and help the world get to net zero, and a strategy for delivering on that ambition.

Related Article: The Best Gas Rewards Credit Cards

Featured image by BP

OneUnited Bank And Marvel Comics Collab For Kids’ Financial Education

by Jeannyn Gomez
OneUnited Bank and Marvel Comics Collab For Kids' Financial Education

Last updated on September 6th, 2023

Learning about finances is adulting at its finest. However, it would be ideal to begin learning finance at a young age. OneUnited Bank and Marvel have joined forces to bring financial education to kids through their latest collaboration project. Here’s what you need to know.

Marvel Comics For Kids’ Financial Literacy

A collaboration for Kids’ Financial Education – that is what OneUnited Bank, Marvel, and Visa have set out to do. If you’re not familiar with OneUnited Bank, it is the largest black-owned bank in the U.S., highly awarded for its contributions to development lending for its community. Outside their banking services, OneUnited Bank promoted financial literacy through workshops for adults and children.

With that said, OneUnited Bank is partnering with Marvel Comics to bring a new fun, and exciting way to teach children best practices with finances. The bank handed out 500 custom comic books with financial literacy exercises on a first come first serve basis for National Superhero Day. The comic book art features the superhero duo, Black Panther, and Shuri. The comics were distributed out of OneUnited branch locations in Boston, Miami, Los Angeles, and Compton.

“I Got Bank” – A Financial Literacy Contest

The collab will also distribute digital copies of the comic book to participants of the 13th annual “I Got Bank” national financial literacy contest. The contest will have 10 selected winners (ages 8 through 12) awarded a $1,000 savings account at OneUnited Bank by August 31, 2023. The contest entry requires contesters to read a financial literacy book and submit a 250-word essay, or an art project, about what they learned. The submission deadline is June 30, 2023.

Teri Williams, OneUnited Bank President states, “We are excited to collaborate with Marvel Comics and Visa to promote financial literacy. Our contest, free e-book, and now this new comic book make it easy for families to teach their children how to save and make financial literacy a core value in the Black community!”

About OneUnited Bank

OneUnited Bank is the premier bank for urban communities, the nation’s largest Black-owned bank, the first Black internet bank, and a Community Development Financial Institution (CDFI). Its mission is to provide affordable financial services to support economic development in urban communities and maintain superior financial performance to maximize shareholder value. OneUnited is an FDIC-insured bank and an Equal Housing Lender. Source.

Related Article: Kids’ Cards: Pros & Cons of Debit vs Credit Education

Featured Image by Marvel, OneUnited Bank, Circle of One Marketing, and PR Newswire.

Best Credit Cards for Gym Memberships

by Jeannyn Gomez
best-credit-cards-for-gym-memberships-of-2021

Last updated on April 3rd, 2024

Getting into shape is no easy task, but earning rewards and saving money on your fitness expenses can help keep the motivation rolling. Whatever your take on fitness entails – gym memberships, workout gear, or exercise equipment – there is a credit card that can help benefit your pockets on your wellness transactions. Here are the most beneficial credit cards for memberships in 2023.

At A Glance


U.S. Bank Cash+® Visa Signature® Card
World of Hyatt Credit Card
Synchrony Premier World Mastercard®
Amazon Prime Rewards Visa Signature Card

Top Credit Cards for Gym Memberships 2023

Saving money by picking the right credit card can go a long way in motivating the average gym attendee. Here are BestCards.com’s top picks for the best credit cards for fitness equipment and gym memberships in 2023.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card
Visit Card Site Terms & Conditions
Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Visa Processing Network
None Annual Fee

U.S. Bank Cash+® Visa Signature® Card

  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from account opening Intro Purchase APR

At a Glance

The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • No Annual Fee
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
  • Terms and conditions apply
  • Intro Purchase APR: 0% for 15 months from account opening
  • Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want the ability to choose your enhanced cash back categories
  • You like the freedom of switching categories each quarter
  • You don’t want to pay an annual fee
U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

Terms & Conditions
Visit Card Site Terms & Conditions

Best For Prime Credit Scores

The U.S. Bank Cash+™ Visa Signature® Card earns 5% cash back on the first $2,000 in eligible purchases per quarter on the two categories of the holder’s choosing. Those 5% back categories include ground transportation, select clothing stores, electronics stores, department stores, and more.

U.S. Bank also offers gyms and fitness centers as a 5% cash back category, with cardholders saving at select fitness centers, including:

24 Hour Fitness® Anytime Fitness® Crunch Fitness Equinox
Genesis Health Clubs LA Fitness® Life Time Fitness Orangetheory® Fitness
Planet Fitness Pure Barre® Snap Fitness™ SoulCycle
Weight Watchers XSport® Fitness ZUMBA® Fitness And more

However, keep in mind that purchases at recreational facilities that don’t require membership, like driving ranges, batting cages, and ski slopes, do not qualify for 5% back. Also, purchases made at fitness centers outside of membership fees, like personal training or fitness classes, might not be eligible. However, the U.S. Bank Cash+® does earn 1% cash back on all other eligible purchases which can easily reward you for all other fitness-related purchases.

World of Hyatt Credit Card

World of Hyatt Credit Card
Learn more about the World of Hyatt Credit Card Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
$95 Annual Fee

World of Hyatt Credit Card

  • 21.49% to 28.49% variable Regular Purchase APR
  • 21.49% to 28.49% variable Balance Transfer APR
  • 29.49% variable based on the Prime Rate Cash Advance APR

At a Glance

Ideal for Hyatt loyalists, The World of Hyatt Credit Card is a hotel card that can rack up points in a hurry, culminating in multiple free night stays per year at the brand’s suite of locations.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
  • Plus, earn up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Earn 4X Bonus Points per $1 spent on purchases at all Hyatt hotel, plus 5X Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member
  • Earn 2X Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
  • Plus, earn 1X Bonus Point per $1 spent on all other purchases
  • Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary
  • Also receive one extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar yea
  • No foreign transaction fees
  • Regular Purchase APR: 21.49% to 28.49% variable
  • Balance Transfer APR: 21.49% to 28.49% variable
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You're a World of Hyatt member or frequently book hotel stays at Hyatt hotels
  • You're looking for a travel credit card you can use worldwide without paying foreign transaction fees
  • You regularly dine out or have a fitness club/gym membership
  • You're looking for a credit card with a big signup bonus and generous rewards earning rates
World of Hyatt Credit Card

World of Hyatt Credit Card

Terms & Conditions
Learn more about the World of Hyatt Credit Card Terms & Conditions

Best For Earning Hotel Points

It only makes sense that a hotel rewards credit card will earn you points for your gym membership in case you want to get a workout in while you travel. The World of Hyatt Credit Card is one of the few that will earn you bonus points at the gym. Cardholders earn 2X Bonus Points per $1 spent at fitness clubs and gym memberships. If you’re a frequent visitor of Hyatt hotels on your travels, the World of Hyatt card may be the right option for your accommodation needs.

In addition to its earning power at the gym, the Hyatt credit card earns up to 5X Points on things like Hyatt Hotel bookings, airline tickets, dining, and more. Not to mention cardmembers will also receive an annual free 1-night stay and no foreign transactions. However, this card does have an annual fee of $95. If you plan on using the free, yearly 1-night hotel stay, then the Word of Hyatt Credit Card, could be worth it.

Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®
Visit Card Site Terms & Conditions
Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
Mastercard Processing Network
None Annual Fee

Synchrony Premier World Mastercard®

  • 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% Cash Advance APR

At a Glance

The Synchrony Premier World Mastercard® offers 2% cash back, a simple redemption process, and more – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 2% cash back rewards on every purchase
  • Contactless payment compatibility
  • Regular Purchase APR: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of each balance transfer, whichever is greater
  • Cash Advance APR: 29.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: $30
  • You have good credit
  • You prefer cash back rewards as a statement credit
  • You don’t want to pay an annual fee
Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®

Terms & Conditions
Visit Card Site Terms & Conditions

Best For Simple Everyday Use

The Synchrony Premier World Mastercard® is ideal for the gym goer seeking easy and simple rewards on their fitness journey. While the Premier World Mastercard may not have the excitement of rotating rewards categories, it does earn rewards on everyday purchases. It earns unlimited 2% cash back on all eligible purchases, including gym memberships, fitness equipment or even fitness classes.

Beyond your gym basics, you can use your card anywhere Mastercard is accepted to and earn 2% everywhere. Use your Synchrony Premier for groceries, gas, or any other everyday essentials and nice-to-haves like workout gear, clothes, and more.

Related Article: The Ultimate Guide to Credit Cards for Groceries & Delivery Services

First Progress Prestige Secured Mastercard®

First Progress Prestige Secured Mastercard®
Apply Now Terms & Conditions
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Mastercard Processing Network
$49 Annual Fee

First Progress Prestige Secured Mastercard®

  • 13.49% variable based on the Prime Rate Regular Purchase APR
  • 22.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The First Progress Prestige Secured Mastercard® offers an excellent rate, robust Mastercard security, and the ability to rebuild or establish credit¹ – all in one package.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
    A $200 refundable deposit is your first step toward better credit!
    Apply with no impact to your credit!2
    Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
    All credit types welcome to apply!
    ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
    2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
    *See Important Disclosures for complete offer details
  • Regular Purchase APR: 13.49% variable based on the Prime Rate
  • Cash Advance APR: 22.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $49
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $30
  • Minimum Deposit Required: $200
  • You're looking to rebuild a damaged credit score
  • You plan to carry a balance
  • You prefer the versatility of a credit card vs. a debit card or prepaid cards
  • You want the freedom to use your card virtually anywhere worldwide
First Progress Prestige Secured Mastercard®

First Progress Prestige Secured Mastercard®

Terms & Conditions
Apply Now Terms & Conditions

Best For Subprime Credit

Just because your credit score is not the best, it doesn’t mean you cannot enjoy a little cash back for your fitness endeavors. The First Progress Platinum Prestige Mastercard® Secured Credit Card is for those with subprime credit scores. However, the Platinum Prestige Secured Credit Card also gives cardholders the potential to earn rewards.

Cardmembers can earn 1% cash back rewards on all payments made on the card. Simply use your card to pay for your gym membership and there you have it, a 1% cash back reward for paying your gym charges. In addition to the cards’ earning potential, it is an option for card seekers having a hard time getting approved for a credit card. It offers low rates, with a minimum $200 deposit required, and only a $49 annual fee.

Our credit cards content is not loading right now. Please try again or contact the BestCards team.

Best For Credit Builders

The First Latitude Platinum Mastercard® Secured Credit Card is for gym fanatics who are also on the journey to better credit. Building credit doesn’t have to mean limited rewards. Use your First Latitude Platinum card to charge your gym membership while you build credit at the same time.

Purchase your fitness gear, groceries, and other essentials to earn 1% cash back rewards on all payments made towards your secured credit line account. With responsible use, within 6 months you can apply to get a second credit card in your wallet. While you work out towards your fitness goals the First Latitude Platinum works towards building your credit by reporting to all three major credit bureaus.

Prime Visa

Prime Visa
Learn more about the Prime Visa Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Prime Visa

  • 18.74% to 26.74% variable Regular Purchase APR
  • 18.74% to 26.74% variable Balance Transfer APR
  • 29.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Prime Visa offers cardholders impressive rewards on all Amazon.com and Whole Foods purchases, as well as elevated cash back at gas stations, drug stores, restaurants, transit, commuting, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Instant Amazon.com gift card on approval
  • Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel.
  • Earn 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshare.
  • Earn 1% Back on all other purchases
  • No foreign transaction fees
  • No annual fee
  • Regular Purchase APR: 18.74% to 26.74% variable
  • Intro Balance Transfer APR: N/A
  • Balance Transfer APR: 18.74% to 26.74% variable
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Minimum Deposit Required: N/A
  • You frequently shop at Amazon or Whole Foods
  • You have an existing Amazon Prime membership
  • You want a card with no foreign transaction fees and Visa concierge services for your travel plans
  • You want a flexible rewards program, including savings at gas stations dining
  • You want the excellent customer service Amazon is known for
Prime Visa

Prime Visa

Terms & Conditions
Learn more about the Prime Visa Terms & Conditions

Best For At-Home Gym Fitness

The Amazon Prime Rewards Card is an excellent retail credit card for those who love to shop through Amazon and have an existing Amazon Prime membership. The card earns a simple 5% back on all purchases made at Amazon.com, making it perfect for anyone looking to stock up on fitness supplies for their New Year’s resolution.

Amazon is a one-stop shop for almost anything you can imagine, including footwear, fitness clothing, resistance bands, kettlebells, foam rollers, or a pull-up bar. The addition of an Amazon gift card instantly upon approval also means you can save big on fitness without even spending a penny!

The Prime Rewards Card also earns 5% back at Whole Foods. Part of getting in shape involves eating right, so getting impressive savings at all Whole Foods Supermarket locations is an excellent addition to any 2023 fitness goals.

Related Article: The Best Allowance Apps for Kids

Featured photo by Nicole De Khors / Burst

Browse more of the "Best of" from BestCards

Credit Card and Personal Loan Balances Trend Record Highs

by Jeannyn Gomez
Credit Card and Personal Loan Balances Trend Record Highs

Last updated on January 29th, 2024

The new 2023 report from TransUnion brings to light the current trends among U.S. consumer balances among credit cards, personal loans, and bank cards. Here’s what you need to know about the new reporting.

Record High Credit Card and Personal Loan Balances

Credit card and personal loan balances have now reached record highs or near-record highs. The recent release of the Q1 2023 Quarterly Credit Industry Insights Report (CIIR) from TransUnion has provided deep insight into the state of the consumer’s current relationship with credit cards, personal loans, and more. To no surprise, inflation and high-interest rates have driven consumers to skyrocket their balances to make ends meet by turning to credit to support household budgets.

Credit Card Trends

Credit card balances remain at a record high of $917 billion. While balances have been slightly down by 1.5%, quarter-after-quarter, the overall year-over-year (YoY) has increased by almost 20%. Credit card balances typically trend down during the first quarter due to tax season. During this season consumers receive their tax refund and use it to pay down existing credit card debt but overall remains high in comparison to the prior year.

Unsecured Personal Loan Trends

Similarly, unsecured personal loan balances have also reached a high point in Q1. The balances for unsecured personal loans have reached a high of $225 billion. To break it down further, that is an increase of 26.3% year-over-year. However, the results of Q1 are the second consecutive quarter that shows a slowdown in year-over-year growth rates.

This could mean lenders are showing strict analysis while making underwriting decisions. The average unsecured personal loan balances since 2005 are $11,281. Credit-wise, subprime consumers resulted in the highest increase in balances by 40%. Followed by super prime at 34%. And coming in at the lowest balances is the super prime consumers with increases just under 20%.

Bankcard Trends

Furthermore, bankcard balances were also analyzed at a record high of $917 billion, a 19.2% YoY growth. Similar to credit card balance trends, bankcards also experience a seasonal dip and Q1 is the second consecutive quarter to show a slight balance decrease by 1.5% (quarter-over-quarter).

The report also found subprime share consumers with a balance declined by 10.2% from 10.9% the previous quarter. The balance for super prime consumers increased to 41.8%, up from 40.6% in the former quarter. The share of balances for Millennials has increased up to 28.6% in Q1 2023, from 26.5% in 2022.

Credit Lines on the Rise

Balances are not the only numbers on the rise, so are credit lines. In Q1 2023, credit lines reached $4.4 trillion with a 9.7% increase. The growth was observed among all consumers, but 60% of the increase was driven by super-prime borrowers.

Related Article: Ultimate Guide to Bilt Rent Day

Featured image by breeze393/Getty Images

The Best Fintech & Crypto Credit Cards

by Cory Santos
top fintech credit cards

Last updated on April 3rd, 2024

Fintech companies, startups, and neobanks are seemingly everywhere these days. While the concept of  cryptocurrency and fintech companies disrupting the banking sector aren’t new, their foray into the credit card market is. Here are some of the best fintech and cryptocurrency credit card offers:

At a Glance


Upgrade Visa® with Bitcoin Rewards
Fold Visa®
M1 Visa® Debit
Upgrade Triple Cash Rewards Visa®

Bitcoin and Cryptocurrency Credit & Debit Cards

Cryptocurrencies, like Bitcoin, Litecoin, Ethereum, and countless others offer an excellent way to invest in digital assets. Crypto rewards cards, including crypto credit, debit, and prepaid cards, offer cash back rewards in the form of cryptocurrency – meaning you might earn much more than traditional rewards credit cards!

Bitcoin Credit Cards

Crypto credit cards are quickly becoming a popular option for savvy consumers who want to maximize their rewards. Cryptocurrencies, like Bitcoin, offer unprecedented chances of growth, with simple cash back having the potential to grow exponentially!  

Upgrade Visa® Card with Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards
Currently Unavailable Terms & Conditions
Good-Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Excellent
Visa Processing Network
None Annual Fee

Upgrade Visa® Card with Bitcoin Rewards

  • 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 29.99% Balance Transfer APR

At a Glance

The Upgrade Visa® Card with Bitcoin Rewards offers no fees, low rates, cash back in bitcoin, and credit lines up to $20,000 in one exceptional package. The card provides the flexibility and predictability to pay down card balances and get debt-free quickly – with the added benefit of crypto rewards on every purchase.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
  • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
  • No annual fees
  • Get pre-approved in seconds with no impact to your credit score
  • Pay with your phone or device by using Apple Pay® or Google Pay™
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
  • Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Transaction Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • You struggle to pay off credit card balances
  • You want a structured repayment plan
  • You can reliably pay off your statement balances to earn bitcoin rewards for purchases
  • You don’t want to pay an annual fee
Upgrade Visa® Card with Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards

Terms & Conditions
Currently Unavailable Terms & Conditions

The Upgrade Bitcoin Rewards is a tough-to-beat credit card for fans of crypto rewards and low interest rates. The interest rates are the same as with other Upgrade Cards, making it among the best in the business. The ability to pay down debt – and earn BTC with every purchase – is another perk that makes the card something that provides everyday value.

Bitcoin Debit Cards

Earning BTC rewards on every purchase doesn’t require a credit check. There are an ever-growing number of prepaid and debit cards that offer crypto rewards. These cards offer seamless integration with crypto wallets and rewards sites – and allow users to maximize their BTC savings with every purchase.

Fold Visa® Prepaid Card

Fold Visa® Prepaid Card
Visit Card Site Terms & Conditions
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
Up to $150 Annual Fee

Fold Visa® Prepaid Card

At a Glance

Cryptocurrencies offer significant growth for investors, and the Fold Visa Prepaid Debit Card is an intriguing way to earn rewards in BTC for your everyday purchases. The card offers all the benefits of the Fold mobile app with the payment network of Visa, making it easy to earn Bitcoin online or in-store.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get access to Fold+ member pricing on Amazon gift cards
  • Each purchase activates a spin on the Spin Wheel Sweepstakes
  • Enjoy boosted merchant offers
  • Get up to 100% back in rewards after your purchases
  • Annual Fee: Up to $150
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
  • You don’t want an inquiry on your credit score or distrust credit cards
  • You prefer to earn rewards in Bitcoin versus Ethereum, Litecoin, or other cryptocurrencies
  • You’re vigilant to ensure your use your wheel spins and don’t let them expire
Fold Visa® Prepaid Card

Fold Visa® Prepaid Card

Terms & Conditions
Visit Card Site Terms & Conditions

The Fold crypto debit card is an exciting option to consider for those that don’t want the hard inquiry on their credit report but want to earn rewards with every purchase. And, since the market for Bitcoin has generally been hot over the past few years, the chance is there to make significantly more money in BTC than you’d typically get with a credit card. Fold cardholders earn a spin every time they make an eligible purchase of $3 or more. Make a purchase, get a spin. It’s that simple. Some of the rewards on offer include 25% back in Bitcoin rewards, fixed amounts (around $2.50 worth of Bitcoin crypto), or even a single Bitcoin – currently trading at over $30,000 per coin!

Fintech Credit & Debit Cards

Fintech companies (also known as financial technology) is the latest trend that is disrupting the credit card industry. Fintech companies are taking a fresh look at the credit card market and offering applicants something new. These new features include saying goodbye to fees, changing how consumers pay down debt, and offering the types of perks and rewards that many major issuers are ignoring.

M1 Visa® Debit Card

M1 Visa® Debit Card
Visit Card Site Terms & Conditions
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

M1 Visa® Debit Card

At a Glance

The M1 Spend Visa® Debit Card provides M1 Finance customers with a streamlined approach to spending their available funds – and earning more with an eligible premium account. The Card earns up to 1% cash back and 1% APY on balances with a Spend Plus Account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Seamlessly integrates with M1’s Invest and Borrow services
  • Use the M1 Spend debit card anywhere Visa® is accepted
  • Upgrade to M1 Plus for even more benefits and tools
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • You already invest with M1 Finance
  • You plan to subscribe to $125/year Spend Plus Account
  • You want to earn 1% APY and 1% cash back at the same time
  • You’d rather not pay expensive foreign transaction fees
M1 Visa® Debit Card

M1 Visa® Debit Card

Terms & Conditions
Visit Card Site Terms & Conditions

The M1 Spend Visa® Debit Card is a great option to consider for investors with significant holdings within the M1 Invest program and want to earn additional rewards through the M1 Spend Plus Account. Earning 1% APY and 1% back on purchases is a great feature for those with $25,000 or more in investments, as the $125 is easily offset by the additional value from that APY. Add to that no foreign transaction fees, extra trading hours, and special financing on M1 Borrow, and you have an impressive checking and investment package in one.

Cash Back Fintech Cards

Because fintech firms lack much of the overhead of large multinational banks, they can provide better cash back rewards and exceptional interest rates at the same time. Cash back rewards are quickly becoming the most popular type of credit card reward as redemption options like statement credits, gift cards, and direct deposits open the possibilities for unlimited options for those points.

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®
Apply Now Terms & Conditions
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair
Visa Processing Network
None Annual Fee

Upgrade Triple Cash Rewards Visa®

  • 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 29.99% Balance Transfer APR

At a Glance

The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
  • Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Transaction Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Late Payment Penalty Fee: May apply
  • You struggle to pay off your credit card balances
  • You want to earn up to 3% cash back on purchases
  • You can reliably pay off your statement balances to earn cash back for your purchases
  • You have a desire to get debt-free quickly
  • You don’t want to pay an annual fee
Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

Terms & Conditions
Apply Now Terms & Conditions

The Upgrade Triple Cash Rewards Visa® is a versatile, impressive credit card for those that want an exceptional APR, solid rewards, and a whole lot more. The addition of up to 3% cash back on home, auto, and health purchases is equally impressive and makes the card an everyday earner that just so happens to help you reduce your existing credit card debt. Plus, since those rewards can be applied towards statement credits, using the card every day can really help put a dent in existing debt in no time!

Building Credit Cards

Finding the best secured credit card may seem like a headache if you have no credit or bad credit. Fintechs are also breaking new grownd with secured credit cards – offering unique ways to establish a positive credit history without the need for a credit check.

Self Visa® Credit Card

Self Visa® Credit Card
Apply Now Terms & Conditions
Fair-Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / Poor / No Credit Required
Visa Processing Network
$25 Annual Fee

Self Visa® Credit Card

  • 27.49% (Variable) Regular Purchase APR

At a Glance

The Self Visa® Credit Card is a secured credit card that pairs with an existing Self Credit Builder Account. The card has no formal approval process. Instead, hopeful consumers simply need to open a Self account and save over $100 to fund the secured Visa account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^ • If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa® Credit Card*, without a hard credit check. Criteria subject to change. • Build credit and savings at the same time. • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus. • At the end of your plan, unlock the savings you built – minus interest and fees. • The secured Self Visa® Credit Card is accepted at millions of locations in the U.S. *Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The Secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
    ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
  • Regular Purchase APR: 27.49% (Variable)
  • Annual Fee: $25
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $15
  • You’re serious about raising your credit score
  • You already have a Self Credit Builder Account
  • You don’t mind the card’s $25 annual fee
  • You plan to pay your card balance in full every month
Self Visa® Credit Card

Self Visa® Credit Card

Terms & Conditions
Apply Now Terms & Conditions

The Self Credit Builder Account and associated Secured Visa® Credit Card are an excellent combination for quickly building a positive credit history. Because the two accounts work together seamlessly, meeting the minimum requirements and paying on-time doubles the impact on your credit score. The card has no formal approval process. Instead, hopeful consumers simply need to open a Self account and save over $100 to fund the secured Visa account.

Browse more of the “Best of” from BestCards

4 Ways To Stay Educated On Financial Literacy

by Jeannyn Gomez
4 Ways to Stay Educated On Financial Literacy

Last updated on August 23rd, 2023

Understanding your finances makes a world of difference when it comes to managing your money responsibly. Knowledge is power and the same applies when you want to feel powerful and confident about your money choices. Here are four ways you can stay educated on financial literacy for improved savings, budgeting, and investing skills.

Improve Your Financial Knowledge With Educational Content

Money talk can sometimes feel intimidating because we may not be familiar with the topic. However, seeking education on personal finances will help you become secure with your money management choices. Use resources like social media, podcasts, and more to finetune your financial literacy education.

Subscribe to Financial Content

Digital media consumption statistics show that we spend, on average, 508 minutes per day consuming media online. That is over eight hours a day – you might as well use this time wisely and pledge your time to financial content. Digital media is all around us in the form of social media, video, and more. If you find yourself diving into video, consider YouTube to seek out content that can help keep you in the know on personal finance today. There are various YouTube Channels (ours included) full of free educational information on the money topics you may wish to brush up on.

Social media is another easy way to consume educational content that can support your financial literacy. Follow accounts on socials like Instagram where you can get tips and advice on various topics ranging from budgeting and saving to investing and more. It can also help keep you up to date with the latest news and trends in personal finance on topics like credit cards, credit score advice, debt management, and more.

Related Article: How To Manage Money With The 50/30/20 Budget Rule

Read Financial Books

While digital media is at the top of its game, a good old-fashioned book is an education-worthy option for those who prefer it. A book on financial literacy will give you a more detailed and insightful look into various financial topics from professionals in the field of money. You might find personal finance books written by professionals like accountants, financial advisors, investors, and more. Here’s a list curated by TheBalanceMoney.com for some of the best personal finance books on the market today.

“Why Didn’t They Teach Me This in School?” by Cary Siegel “Rich Dad Poor Dad," by Robert Kiyosaki “The Total Money Makeover.” by Dave Ramsey
“The Automatic Millionaire,” by David Bach “Broke Millennial” by Erin Lowry “The One-Page Financial Plan” by Carl Richards
"I Will Teach You to Be Rich," by Ramit Sethi “Clever Girl Finance” by Bola Sokunbi “The Psychology of Money'' by Vicki Robin

Listen to Podcast

As an extension of digital media content, podcasts are for the listeners. This is for the multitasker, the person on the go, a podcast is a perfect way to consume the information you need on financial literacy while you go on about your daily responsibilities. The convenience of listening to podcasts is its audio versatility. You can listen to podcasts while you commute, during workouts at the gym, while you cook dinner, and possibly even while you work (if your job allows).

Likewise, if you prefer books but don’t have the time to sit down and read, an audiobook may solve this issue. Treat the audiobook like a podcast and listen while you work or at home while you clean, or whenever you can squeeze in extra listening time.

Speak to a Financial Professional

Lastly, stay educated about financial literacy by speaking to a financial professional. It is common for banks and credit unions to provide resources and tools that can help manage your money. Some might offer services where you can speak to a financial professional like an advisor, to give you guidance on how to manage your finances and even on how to invest.

The Bottom Line

We have covered ways to stay educated on financial literacy via social media, video, podcasts, books, and by talking to professionals. It is important to stay active in your finances to build healthy money habits that can positively impact your daily comforts. Likewise, it can help you feel confident and prepared for any of life’s financial challenges that you may face.

Related Article: Kids’ Cards: Pros & Cons of Debit vs Credit Education

Featured image by Artur/Getty Images

TD Clear Vs. Upgrade Cash Rewards Visa®: Read This Before Applying

by Cory Santos
TD Clear Vs. Upgrade Cash Rewards Visa®: Read This Before Applying

Last updated on February 15th, 2024

When finding the best credit card for you, you must do your homework first. The TD Clear Visa and Upgrade Visa with Cash Rewards are two popular low APR credit card options, but which is best? Here is everything you need to know to find your best credit card offer:

Upgrade Cash Rewards Visa® or TD Clear: Which Is Right for You?

Before deciding which credit card is right for you, the Upgrade Cash Rewards Visa or the TD Clear Visa from TD Bank, here is a detailed breakdown of the cards, their features, and their suitability:

Pre-Qualification Before Applying

Applying for a credit card requires a credit check. Often, these credit checks (or credit inquiries) are known as “hard inquiries,” meaning the bank pulls your full credit report before approving (or denying) your credit card application. If you apply for a credit card and are declined, your credit score will likely take a minor hit. One way to avoid a negative impact on your credit score before getting a new credit card is by pre-qualifying before you apply.

TD Bank offers pre-qualification but only offers via mail or e-mail or to existing customers through their online accounts. This is frustrating if you don’t already bank with TD but are interested in knowing if you qualify for the card before applying.

Fortunately, Upgrade provides a simple, online pre-qualification before applying. Once you click through to the Upgrade application page, you can check your suitability for any of the three Upgrade credit cards by entering your name, address, date of birth, and annual income.

Related Article: How to Pre-Qualify for a Credit Card

Credit Score Needed

Both credit cards typically require a “good” or “excellent” credit score, meaning a FICO Score of 670+ is the minimum you should expect to have before applying. The Upgrade Card, however, also offers products to customers with “average credit,” so a FICO Score of 640+ might be acceptable for approval.

However, remember that your credit score is only one part of the equation. Banks also consider other factors, including how your income compares to your debt obligations and your overall ability to make monthly credit card payments.

How to Apply

Most credit card applications from major issuers are similar. Here is what you can expect from the application process with all three cards – including what information is needed:

Info Explained
① Full legal name and contact information You'll need your full legal name, contact address, phone number, and e-mail address to apply for pretty much every credit card.
② Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) Most credit card issuers require applicants to have a U.S. Social Security number to apply for a credit card. Since foreign citizens likely lack an SNN, they may receive an Individual Taxpayer Identification Number (ITIN) instead. An ITIN is an ID number the IRS issues to anyone who needs to file income tax returns in the United States but doesn’t qualify for an SSN. Be ready to provide either of these items when applying for a personal credit card.

The following banks accept foreign national applicants with an ITIN number, according to Experian:

  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citibank
  • OpenSky
  • Wells Fargo

Currently, only two major card issuers don’t allow applicants with an ITIN:

  • Barclays
  • Discover
③ Income You'll need to provide income information when applying for a credit card. Banks like to see that you aren't too stretched financially, and part of this process is by evaluating how much income you have from things like your job, investments, and other sources.
④ Expenses Your monthly expenses are the second part of the puzzle when it comes to gauging your risk as an applicant. Your monthly housing costs (rent, mortgage) current utilities, and other relevant info might be asked when you apply.
⑤ Credit Score The final piece of informational lender needs to judge a credit card application is your credit score. Much of the information in your credit report is supplied by creditors and lenders, and potential lenders will use these details as a point of reference when considering you for a loan or line of credit. Your credit report is prepared and sold to prospective lenders and creditors by three credit reporting agencies – or bureaus, as they’re also known. They are Equifax, Experian, and TransUnion.

Annual Fee

Both cards feature no annual fee, which is common for most low APR credit cards. You should never pay an annual fee on a low APR or balance transfer credit card.

APR

Now, for the meat of the comparison – the APR with both cards. Here, the cards are very different, providing unique approaches toward credit card APR.

Pay No Interest with TD Clear

The TD Clear Card is a credit card with no APR. That’s right, with TD Clear, you’ll pay 0% interest on purchases. The TD Clear is a subscription-based Visa credit card with a straightforward monthly fee. Clear cardholders pay a monthly subscription fee and another charge based on the amount of the credit line they use. This charge and the subscription fee combine into something TD Bank terms “predictable minimum payments.”

Here are those credit line options:

Credit limit $1,000 $2,000
Monthly fee $10 $20
Predictable monthly payments $45 $70

Pay Down Balances Faster with Upgrade

The no annual fee Upgrade Cards offer an everyday APR that is significantly lower than the national average. Conversely, Upgrade is more geared toward paying down balances than paying no interest on payments, like TD Clear.

Upgrade cardholders can use their line of credit to make purchases anywhere Visa is accepted worldwide. They can also have some of the funds from their credit line transferred to their bank account to help tackle existing debt. This latter method makes the card a useful alternative for a balance transfer credit card.

Cardholders can use their line of credit to make purchases anywhere Visa is accepted worldwide. They can also have some of the funds from their credit line transferred to their bank account to help tackle existing debt. According to Upgrade research, paying a $10,000 balance takes just a few years with the Upgrade Visa, compared with other traditional credit cards that can take up to 20 years – or more.

Rewards

A great, low interest rate is a reward in and of itself, but can you earn additional rewards with either card? The TD Clear does not earn rewards on purchases, instead focusing on no APR. Upgrade, on the other hand, offers rewards on all three of its credit card products. Each Upgrade Card earns cash back rewards on purchases. Here are the earning rates of the cards:


Upgrade Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
Earn 1.5% unlimited cash back on card purchases every time you make a payment Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else

Other Features

Both cards are Visa credit card products. The TD Clear is a Visa Platinum credit card that provides cardholders with the essentials for security and protection. Visa Platinum features include Zero Fraud Liability, ID Navigator from Norton, Roadside Dispatch, and more.

Upgrade offers cardholders Visa Signature benefits. Visa Signature offers an elevated level of protections, including:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement Luxury Hotel Collection Extended Warranty Coverage
Roadside Dispatch Lost/Stolen Card Reporting ID Navigator from Norton Travel & Emergency Assistance

Recap

Here is a quick breakdown of both credit cards’ features and how they compare head-to-head:

TD Clear Upgrade Visa® with Cash Rewards Upgrade Triple Cash Rewards Visa®
Credit limits $1,000 or $2,000 $500 to $25,000 $500 to $25,000
Annual fee N/A None None
Monthly fee $10 or $20 ($120 or $240 annualized) N/A N/A
Minimum monthly payment $45/$70 $5 $5
No hidden fees ✔️ ✔️ ✔️
Rewards No Cash back Cash back

Related Article: The Best Balance Transfer Credit Cards

Featured image by Gam-Ol  / PixaBay

Save for College with the New Fischer-Price College Savings Mastercard®

by Cory Santos
Fischer Price credit cards lets you earn rewards to apply to a 529 college savings plan

Last updated on September 6th, 2023

Fischer-Price is looking to make saving for your college a breeze with a new co-branded credit card. The new Fischer-Price College Savings Mastercard® helps family members save for expenses related to their children’s education by working in concert with an existing 529 education savings plan.

Fischer-Price College Savings Mastercard® Launches

Fisher-Price, the world’s #1 infant and preschool company, has debuted its first-ever credit card. Powered by Concerto Card Company, a tech-forward company founded by financial services veterans that makes everything from application to rewards redemption simple and personalized, the new Fischer-Price College Savings Mastercard® earns up to 2% cash back when depositing rewards into an associated 529 College Savings Plan.

This unique feature allows families to earmark savings for a wide range of academic needs for their children while taking advantage of several tax benefits. The card has features designed to turn everyday spending into savings for children’s education and qualifying expenses. The full list of features  include:

  • 2% cash back on purchases when the cash is deposited into a 529 education savings plan (1% cash back if not deposited into a 529 plan)
  • $50 bonus rewards when you make $250 in purchases in the first three months and deposit rewards into a 529 plan ($25 bonus when not deposited into a 529 plan)
  • No cap on rewards
  • No annual fee
  • Accepted everywhere Mastercard is accepted, worldwide

“Never Been Easier to Make a Lasting Impact”

“For more than 90 years, Fisher-Price has supported families at every age and stage of early childhood—from little moments to big milestones,” said Chuck Scothon, SVP and General Manager of Fisher-Price. “With the new Fisher-Price College Savings Mastercard, we’re continuing to build on our promise to ensure every child has a bright future by helping families start saving for school early on without impacting their day-to-day lives. As parents and loved ones begin turning their everyday spending into 529 education savings, they’ll discover it’s never been easier to make a lasting impact on a child’s future.”

Concerto’s flexible platform integrates with partners to develop and scale innovative rewards programs. The partnership of Fisher-Price, Gift of College, and Concerto will empower families with an easy way to start—and continue— saving for their children’s educational and career dreams with rewards from everyday spending.

The new card furthers the Fisher-Price commitment to enriching the first five years of childhood for every family by helping to ensure that planning today can pay great dividends when their child is ready for higher education. The new Fisher-Price College Savings Mastercard debuts at a time when college tuition costs continue to soar. According to recent research, the average cost of college has more than doubled in the 21st century, with an annual growth rate of 7.1%. Additionally, student loan debt in the U.S. surpassed $1.75 trillion, and the average public university student borrows $31,410 to attain a bachelor’s degree.

About Concerto

Concerto is a next-generation, tech-forward company focused on developing better credit card programs for innovative brands. The company combines creativity with leading-edge technologies and advanced analytics to deliver programs designed to engage customers and deepen loyalty. The management team has decades of experience creating and managing some of the country’s largest credit card programs. Concerto is backed by Matrix Partners and PayPal Ventures. Its partners include national consumer and retail companies and MLB, NHL, and NBA teams. Concerto provides both consumer and small business credit card products and is based in Austin, Texas.

Related Article: Kids’ Cards: Pros & Cons of Debit vs Credit Education

Featured image by Concerto

The Best Credit Cards For Health & Wellness

by Jeannyn Gomez
The Best Credit Cards For Health & Wellness

Last updated on April 3rd, 2024

Staying on top of your health and wellness can be a challenge and rewarding at the same time. More rewarding when you use the right credit card to make all your health-related purchases. We have rounded up our picks for the best health and wellness credit cards in 2023.

This post may contain links from partner offers, and we may receive compensation when you click on links to these offers. Please see our advertiser and editorial disclosures above for more information. Citi is an advertising partner.

At A Glance

KrowdFit Wellness Rewards Mastercard®
Citi Custom Cash℠ Card 		Chase Freedom Unlimited® Upgrade Triple Cash Rewards Visa®

Rewarding Credit Cards for Health & Wellness

Staying healthy and managing one’s well-being can sometimes be a challenge. The end goal is rewarding. Nonetheless, the journey can be too. Supplement your fitness and your healthy mind with credit card rewards and benefits. These are our top picks for the best health and wellness credit cards in 2023.

KrowdFit Wellness Rewards Mastercard®

KrowdFit Wellness Rewards Mastercard®
Visit Card Site Terms & Conditions
Good-Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Excellent
Mastercard Processing Network
None Annual Fee

KrowdFit Wellness Rewards Mastercard®

  • 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR

At a Glance

The KrowdFit Wellness Rewards Mastercard® is a rewards credit card that earns up to 4% cash back on wellness purchases and more, with no foreign transaction fees and no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 4% cash back on qualifying health, wellness, medical, and lifestyle partners
  • 2% cash back on groceries
  • 1% cash back on all other purchases
  • Free MyFitnessPal or Calm 1-year Premium Membership
  • No foreign transaction fees
  • No annual fee
  • Regular Purchase APR: 20.24% to 30.24% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
  • You spend a good chunk of change on health and wellness (including medical)
  • You want to get rewarded for your healthy lifestyle
  • You have an interest in wellness apps like MyFitnessPal or Calm
  • You would like cash back for grocery shopping and everyday essentials
KrowdFit Wellness Rewards Mastercard®

KrowdFit Wellness Rewards Mastercard®

Terms & Conditions
Visit Card Site Terms & Conditions

KrowdFit Wellness Rewards Mastercard®

The KrowdFit Wellness Rewards Mastercard® caters to the health-conscious person seeking a way to earn rewards for the sweat they put into their well-being. With the KrowdFit Mastercard, you gain the potential to earn cash back for your healthy purchases and access to wellness memberships included for every cardholder.

Get up to 4% cash back on health and wellness purchases, for example, a gym membership, online workout streaming services, and even lifestyle merchants like Under Armor. The card also earns 2% cash back on groceries and 1% back on everything else.

In addition to cash back, joining the KrowdFit app can set you up to win cash prizes for the exercise workouts you log a little more enjoyable if you know you might earn cash for it. All new cardholders also have access to a free 12-month premium membership for the MyFitnessPal app or the Calm app.

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card
Visit Card Site Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
$0 Annual Fee

Citi Custom Cash℠ Card

  • 18.99% - 28.99% (Variable) Regular Purchase APR
  • 18.99% - 28.99% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR
  • 0% for 15 months on Purchases Intro Purchase APR

At a Glance

The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
  • Intro Purchase APR: 0% for 15 months on Purchases
  • Regular Purchase APR: 18.99% - 28.99% (Variable)
  • Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
  • Balance Transfer APR: 18.99% - 28.99% (Variable)
  • Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
  • Penalty APR: Up to 29.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want to earn 5% back but do't want quarterly categories
  • You plan on spending $1,500 within the first 90 days
  • You have a large purchase in mind that you want to pay down over time
  • You plan on transferring an existing balance within the first four months
  • You don’t want to pay an annual fee
Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Terms & Conditions
Visit Card Site Terms & Conditions

Citi Custom Cash℠ Card

While considering the Citi Custom Cash℠ Card, you may not automatically think about health and wellness. However, the Custom Cash card is a powerful financial tool that can earn you plenty of cash back on health-related purchases. A good example is its ability to earn cash back on your highest spend category.

There are nine eligible 5% cash back categories, including drugstores, fitness clubs, grocery stores, and dining. Simple everyday purchases can earn you 5% cash back, like when you grab a healthy lunch or do your weekly grocery shopping for nutritious meals.

The Custom Cash also earns cardholders 1% cash back on all other purchases, so you’re still earning cash back even on any other health-related purchases like virtual home services for home exercise or fitness streaming classes.

Chase Freedom Unlimited®

Chase Freedom Unlimited®
Learn more about the Chase Freedom Unlimited® Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Chase Freedom Unlimited®

  • 18.24% to 27.74% Variable Regular Purchase APR
  • 18.24% to 27.74% Variable Balance Transfer APR
  • 28.49% Variable Cash Advance APR
  • 0% for 15 months from account opening date Intro Purchase APR

At a Glance

The Chase Freedom Unlimited® credit card is a reliable option for customers looking to pair an attractive cash back rewards program with generous introductory interest rates. Cardholders can redeem for cash, travel, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 18.24% to 27.74% Variable
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 18.24% to 27.74% Variable
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 28.49% Variable
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% Variable
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • You are looking for a low-rate credit card to perform a balance transfer
  • You prefer straightforward rewards earnings rather than quarterly categories requiring activation
  • You'll make at least $500 in purchases in the first 90 days
  • You do't want to pay an annual fee
Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms & Conditions
Learn more about the Chase Freedom Unlimited® Terms & Conditions

Chase Freedom Unlimited®

Our best health and wellness credit cards list includes the Chase Freedom Unlimited®. Known for its cash back benefits and low introductory rate offers, Freedom Unlimited can cater to anyone on their health-kick journey. Sure, the card earns 5% cash back on travel purchases through Chase Unlimited Rewards, but it also gets 3% back on dining and drugstore purchases.

The 3% cash back category can be rewarding for healthy dining or your drugstore needs, like medications, vitamins, women’s health products, and more. In addition to the cash back rewards, new cardmembers also get access to partner benefits like Doordash and Instacart, likewise Lyft, an option for a ride to your next doctor’s appointment.

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®
Apply Now Terms & Conditions
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair
Visa Processing Network
None Annual Fee

Upgrade Triple Cash Rewards Visa®

  • 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 29.99% Balance Transfer APR

At a Glance

The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
  • Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Transaction Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Late Payment Penalty Fee: May apply
  • You struggle to pay off your credit card balances
  • You want to earn up to 3% cash back on purchases
  • You can reliably pay off your statement balances to earn cash back for your purchases
  • You have a desire to get debt-free quickly
  • You don’t want to pay an annual fee
Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

Terms & Conditions
Apply Now Terms & Conditions

Upgrade Triple Cash Rewards Visa®

When your well-being is on your mind, you start making healthier purchases. Make those purchases with a card like the Upgrade Triple Cash Rewards Visa®. The Upgrade Triple Cash earns unlimited 3% cash back on home, auto, and health categories, including 1% back on all other purchases. However, the Triple Cash Rewards Visa shines in its broad health category, which can benefit a health-conscious cardholder.

Due to the health category’s expansive nature, the rewards might stack up high. The 3% cash back health category counts towards health and beauty spas, gym memberships, exercise equipment, and more. Some merchant examples include Walgreens, Dick’s Sporting Goods, CVS, and more.

Bilt Mastercard

Bilt Mastercard
Apply Now Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

Bilt Mastercard

  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 1X points on rent payments (up to 50,000 points each calendar year)
  • Earn 2X points on travel
  • Earn 3X points on dining
  • Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 29.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You rent and want to earn rewards on your monthly rental payments
  • You're a member of Bilt Rewards
  • You don’t want to pay an annual fee
Bilt Mastercard

Bilt Mastercard

Terms & Conditions
Apply Now Terms & Conditions

Bilt Mastercard

The Bilt Mastercard offers a unique take on earning rewards as card members earn cash back on rent payments. In addition to another earning potential, Bilt lets members redeem points for memberships and classes through Soul Cycle and Y7 Studio, as well as for Rumble. The other option to redeem points is as a statement credit.

If you’re using your Bilt card for everyday purchases like groceries, gym memberships, and anything health and wellness-related, you could use your points to redeem as a statement credit to cover those purchases. In addition to earning 1x points on rent, the Mastercard also earns 3x points on dining and 2x points on travel. Use your card when you dine out for a healthy meal and get rewarded.

Prime Visa

Prime Visa
Learn more about the Prime Visa Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Prime Visa

  • 18.74% to 26.74% variable Regular Purchase APR
  • 18.74% to 26.74% variable Balance Transfer APR
  • 29.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Prime Visa offers cardholders impressive rewards on all Amazon.com and Whole Foods purchases, as well as elevated cash back at gas stations, drug stores, restaurants, transit, commuting, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Instant Amazon.com gift card on approval
  • Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel.
  • Earn 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshare.
  • Earn 1% Back on all other purchases
  • No foreign transaction fees
  • No annual fee
  • Regular Purchase APR: 18.74% to 26.74% variable
  • Intro Balance Transfer APR: N/A
  • Balance Transfer APR: 18.74% to 26.74% variable
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Minimum Deposit Required: N/A
  • You frequently shop at Amazon or Whole Foods
  • You have an existing Amazon Prime membership
  • You want a card with no foreign transaction fees and Visa concierge services for your travel plans
  • You want a flexible rewards program, including savings at gas stations dining
  • You want the excellent customer service Amazon is known for
Prime Visa

Prime Visa

Terms & Conditions
Learn more about the Prime Visa Terms & Conditions

Prime Visa

The Prime Visa makes our list of the best credit cards for health and wellness because it has reward categories you might be interested in for your healthy journey. For starters, the Prime card earns 5% cash back at both Amazon.com and Whole Foods. Best suited for someone who prefers to exercise at home, the Prime Visa can earn you maximum cash back for at-home gym equipment from Amazon.

Amazon.com is an expensive shopping network of various products, including health-related products like gym equipment, exercise clothes, protein, vitamins, and more. All these will earn 5% cash back on purchases from Amazon.com on your Prime account. That is 5% on what could potentially be an expensive piece of gym equipment.

If you typically shop for groceries at Whole Foods, it’s a win-win as your groceries will earn 5% back too. In addition, cardholders earn 2% cash back at drugstores, gas stations, and restaurants. Most recently added to the 2% category are local transit and commuting.

Related Article: The Ultimate Guide to Credit Cards for Groceries & Delivery Services

Featured image by Jacob Lund/Canva

Chase Sapphire Lounge Opens at Boston Airport

by Cory Santos

Last updated on September 6th, 2023

Chase’s Sapphire Lounge at Boston Logan International Airport is now open. The doors to the first domestic airport lounge bearing the Chase Sapphire branding opened on Tuesday, May 16, follows on the successful launch of the Hong Kong International Airport late last year.

Chase Launches First US Lounge

The first Chase Sapphire Lounge by The Club in the United States has finally opened. The Sapphire Lounge by The Club in Boston highlights the history and identity of Boston while providing the exceptional service that makes the Chase Sapphire brand so iconic.

The Chase lounges are similar to other airport lounges on your global travels. This means weary flyers can expect the following when they check-in:

Chase Sapphire Lounge Amenities
Locally curated menus and art Spaces for relaxing and working Fresh and seasonal dining options Signature cocktails, local beer, and a curated wine list
Complimentary high-speed Wi-Fi An in-lounge digital experience for food and beverage orders, as well as access to media and entertainment Vegetarian, vegan, and gluten-free menu options and complimentary refreshments (soft drinks and alcoholic drinks) Admission via a quick, contactless scan

About Chase’s Boston Lounge

The 11,640 square foot lounge, located in the Terminal B to C Connector, between gates B40 and B39, provides distinct areas for recharging, including two wellness rooms that feature anti-gravity massage chairs and guided meditations from Master Well-Being Educator & Healer Devi Brown, a private nursing suite, two dual-head shower rooms, and all-gender restrooms stocked with Apotheke products.  

Featuring a locally inspired dining experience that includes menu items from acclaimed Boston chef Douglass Williams (of Boston’s MIDA and APIZZA), a signature taproom offering local craft beer and coffee from Beverly, Massachusetts Atomic Coffee Roasters, at the Sapphire Lounge travelers are encouraged to refuel before takeoff while enjoying spaces designed to highlight and celebrate Boston culture.

The beautifully designed space, which offers direct views of the Boston Logan airfield and the iconic Boston Harbor, is accented by artwork, including work from Boston-based artist Silvia López Chavez and hand-selected pieces from the JPMorgan Chase & Co. private art collection, including work from emerging artists like Cig Harvey, Pelle Cass, Gohar Dashti and Daniel Gordon.  

“Elevated Airport Lounges”

The Sapphire Lounges aims to provide an airport experience akin to the famed Centurion Louges operated by American Express. And it is this commitment to excellence that will ensure eligible travelers get the most out of their brief stay.

“Chase Sapphire is leading the charge when it comes to creating one-of-a-kind opportunities for its travelers, and our new lounge in Boston paves the way for Sapphire’s benefits to enhance our cardmembers’ airport experience,” said Dana Pouwels, Managing Director, Sapphire Lounge General Manager and Head of Chase Sapphire Partnerships. “Sapphire Reserve cardmembers are travelers by nature, so we’re upgrading their travel journey with elevated airport lounges that unlock new dining, wellness, and cultural experiences.” 

“Our Sapphire Lounges are part of our commitment to elevate the travel journey for Chase cardmembers,” added Allison Beer, CEO of Card Services and Connected Commerce at JPMorgan Chase & Co. “Our goal for Chase Travel is to mirror our investment in high-tech travel platforms with the high-touch experience that you see in our Sapphire lounges today.”  

Future Sapphire Lounge Locations

Chase has plans to open nearly ten airport lounges across the world. The bank launched its first Sapphire Lounge last October in Hong Kong. But while the Hong Kong International Airport (HKG) locations are the first, many are opening very soon. Here are all the planned Chase Sapphire Lounge locations:

Airport Location Availability
Hong Kong International Airport (HKG) Terminal 1 Open
Boston Logan International Airport (BOS) Terminal B/C connector Open
Las Vegas Harry Reid International Airport (LAS) Terminal 1 Coming soon
New York LaGuardia Airport (LGA) Terminal B Coming soon
Philadelphia International Airport (PHL) Terminal D/E connector Coming soon
Phoenix Sky Harbor International Airport (PHX) Terminal 4 South Coming soon
San Diego International Airport (SAN) Terminal 2 West Coming soon
Washington Dulles International Airport (IAD) Terminal A Coming soon

While the Boston-Logan Sapphire Lounge is the first in the country, it isn’t the only Chase airport amenity in the United States. Chase also operates a Chase Sapphire Terrace at Austin-Bergstrom International Airport (AUS). That location opened a few months ago and offers a combined indoor-outdoor space covering approximately 5,000 square feet, with 80% of that being an outdoor terrace.

Lounge Access Rules

Access to the Chase Sapphire Lounges is complimentary for eligible JP Morgan Chase customers. Chase Sapphire Reserve, J.P. Morgan Reserve, and Ritz-Carlton credit card customers enjoy complimentary access. Lounge access is also available to authorized users on those card accounts. It’s worth noting that eligible Chase credit card accounts must also activate their complimentary Priority Pass membership to enter.

Guest Rules

Airport lounge access is excellent when flying solo, but you can really make the most of the impressive facilities when you travel with friends or family. So, what are the guest entry regulations for the Sapphire Lounges?


Chase Sapphire Reserve®
JPMorgan Reserve
Ritz-Carlton Card
Sapphire Lounge access Unlimited Unlimited Unlimited
Guest access 2 per trip 2 per trip Unlimited
Priority Pass Select Yes Yes Yes

Related Article: The Best Cards With Airport Lounge Access

Featured image by Chase Sapphire

Fisher-Price Launches New Credit Card

by Cory Santos
Fisher Price Mattell launch new credit card for savings money for college

Last updated on September 6th, 2023

Fisher-Price has launched its first-ever rewards credit card. The new Fisher-Price College Savings Mastercard® is designed to help family members save for expenses related to their children’s education, as the card earns enhanced rewards when redeeming towards a 529 college educational savings plan.

Fischer-Price and Concerto Launch Educational Savings Credit Card

Fisher-Price, the world’s leading infant and preschool company, has launched a new rewards credit card with Concerto Card Company, a tech-forward firm specializing in credit card programs. The new Fisher-Price College Savings Mastercard® works in concert with 529 education savings plans, letting you, friends, or family to supercharge your children’s education dreams with every purchase.

The Fisher-Price College Savings Mastercard debuts at a time when college tuition continues to climb. According to recent research, the average cost of college has more than doubled in the 21st century, with an annual growth rate of 7.1%. Additionally, student loan debt in the U.S. surpassed $1.75 trillion, and the average public university student borrows $31,410 to attain a bachelor’s degree.

About the College Savings Mastercard®

As mentioned, the College Savings Mastercard® helps family members save for expenses related to their children’s education by working in concert with an existing 529 education savings plan. Because of that, the card has features designed to turn everyday spending into savings for children’s education and qualifying expenses. These include:

  • Earn 2% cash back on purchases when the cash is deposited into a 529 education savings plan (1% cash back if not deposited into a 529 plan)
  • Receive a $50 bonus reward when you make $250 in purchases in the first three months and deposit rewards into a 529 plan ($25 bonus when not deposited into a 529 plan)
  • No cap on rewards
  • No annual fee
  • Accepted everywhere Mastercard is accepted, worldwide

“Planning Today Can Pay Great Dividends”

The new card furthers the Fisher-Price commitment to enriching the first five years of childhood for every family by helping to ensure that planning today can pay great dividends when their child is ready for higher education.

“For more than 90 years, Fisher-Price has supported families at every age and stage of early childhood—from little moments to big milestones,” said Chuck Scothon, SVP and General Manager of Fisher-Price in a press release. “With the new Fisher-Price College Savings Mastercard, we’re continuing to build on our promise to ensure every child has a bright future by helping families start saving for school early on without impacting their day-to-day lives. As parents and loved ones begin turning their everyday spending into 529 education savings, they’ll discover it’s never been easier to make a lasting impact on a child’s future.”

Related Article:

Featured image by  Matthew Henry/Burst

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.