Chase & Amazon Extend Rewards Credit Card Partnership

by Cory Santos

Chase and Amazon have renewed their co-branded credit card partnership. Yesterday, the two giants announced a multi-year extension of the co-branded Amazon Prime Rewards Visa Signature Card.

Amazon and Chase Extend Credit Card Partnership

Amazon will continue its relationship with Chase through the ever-popular co-branded Amazon Prime Rewards Visa Signature credit card. The latest extension reinforces Chase and Amazon’s more than two-decades-long commitment to providing versatile cash back rewards, customer benefits, and more.  

The Amazon Prime Rewards Visa Signature Card rewards Amazon customers, including 5% back on all Amazon.com and Whole Foods Market purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on every other purchase. In addition, cardmembers can enjoy no foreign transaction fees when traveling abroad or for cross-border shopping, no cap or expiration on rewards, and no annual fee.

The partnership includes a non-Amazon Prime credit card, the Amazon Rewards Visa Signature. The Prime Rewards Visa Signature is available exclusively for eligible Prime members. Here are the two cards side-by-side:

amazon prime rewards visa signature

Amazon Prime Rewards Visa Signature

  • Amazon Prime required
  • Amazon gift card upon approval
  • Earn 5% back on Amazon.com and Whole Foods Market purchases
  • Earn 3% back on purchases at restaurants, gas stations, and drug stores
  • Earn 1% back on all other purchases
amazon rewards visa signature

Amazon Rewards Visa Signature

  • Amazon Prime not required
  • Amazon gift card upon approval
  • Earn 3% back on Amazon.com and Whole Foods Market purchases
  • Earn 2% back on purchases at restaurants, gas stations, and drug stores
  • Earn 1% back on all other purchases

"A Product that Delights Customers"

“We are incredibly proud of our 20-year co-branded credit card relationship with Amazon and are thrilled to be extending it. Amazon’s commitment to customers and passion for innovation have enabled us to work together to offer a payment option that benefits Amazon customers,” said Marianne Lake, co-CEO of Chase, in a press release. “Looking to the future, we’re excited to continue delivering new features for this product that delight cardmembers.”

“When we first introduced the Amazon Prime Rewards Visa Signature credit card, we were excited to add even more value to Prime by offering rewards on Amazon, and everywhere else customers shopped,” added Max Bardon, Vice President at Amazon. “We look forward to continuing our work with Chase and its technology and capabilities to enable this seamless, benefit-added payment option to Amazon customers.”

Related Article: New IHG® Rewards Premier Business Mastercard® Launches

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Save Big at the Pump with New M1 Rewards Categories

by Cory Santos
save-big-at-the-pump-with-new-m1-rewards-categories

Fintech M1 has made its popular Owner’s Rewards Card even more enticing with seven new brands to earn accelerated cash back. The new categories – in which cardholders earn 5% back if they own stock through M1 – can help cardholders save up to 5% back on gas at the pump.

M1 Rewards Adds Seven Brands to Bonus Cash Back Categories

The Owner’s Rewards Card by M1 is one of the more intriguing fintech and investment rewards credit cards on the market today. The card offers  2.5%, 5%, or 10% cash back when cardholders shop at select companies whose stock they own and 1.5% cash back on all other purchases should consumers choose not to invest in the brands. The cash back is automatically invested into their portfolio, helping to maximize rewards and grow long-term wealth through everyday transactions.

Now, M1 is making its Owner’s Rewards Program even more rewarding. The M1 Owner’s Rewards program has added seven new brands to their already impressive line-up of brands at which cardholders can earn up to 10% cash back on purchases. Starting today, cardholders will have greater opportunities to earn more cash back when shopping at select companies whose stock they own.

The new M1 bonus companies will help investors save big at the pumps with some of the biggest names in the fuel industry. The new companies include Amoco, BP, Chevron, Exxon, Mobil, and Texaco. Cardholders who invest in the six new fuel brands earn 5% cash back when they shop. Cardholders will also earn 2.5% back with communications and internet provider, Spectrum.

M1 Plus No Longer Required

The news of the new bonus cash back companies follows closely on the heels of previous M1 news about removing the need for M1 Plus. The Owner’s Rewards Card by M1 is now available to all M1 users rather than just M1 Plus users. This news means new applicants no longer need to join M1’s annual membership plan to get the most out of their M1 credit card.

M1 Plus is a $95 per year service that provides members access to a higher APY with the M1 Spend account, a special edition of the M1 Spend Visa® Debit Card (including their choice of five unique metal card designs), and more, including:

  • 2% loans through M1 Borrow. Members receive a 1.5% reduction on the base rate of M1 Borrow, the firm’s portfolio line of credit.
  • A special afternoon trading window if the account has more than $25,000 in the investment portfolio

Related Article: The Best Fintech & Crypto Credit Cards of 2022

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Bank of America Launches Business Advantage Secured Card

by Cory Santos

Last updated on February 8th, 2024

Bank of America has a new secured business credit card. The new Business Advantage Unlimited Cash Rewards Secured Card provides small businesses with the platform to build credit while offering 1.5% cash back on all eligible purchases and no annual fee.

Bank of America Business Advantage Unlimited Cash Rewards Secured Card Details

Bank of America hopes to help businesses build credit while earning versatile cash back rewards. The new Business Advantage Unlimited Cash Rewards Secured credit card is the bank’s latest offering, hoping to help small business owners continue to navigate a challenging business environment. The card provides a new tool to help them establish, strengthen, or rebuild their business credit while giving cardholders the benefits that matter most to their business.

The new credit card is available now and has no annual fee. Benefits include:

  • Credit lines from $1,000 to $10,000 (held by a security deposit)
  • Earn unlimited 1.5% cash back on all purchases, with no annual rewards earning cap
  • Preferred Rewards access
  • No annual fee

“Establish Long Term Financial Wellness”

“Bank of America is committed to providing small business owners with innovative solutions and advice that can help them grow their business and establish long term financial wellness,” said Sharon Miller, president of small business and head of specialty banking and lending at Bank of America, in a press release accompanying the news. “These latest offerings are designed to empower entrepreneurs by providing them with access to resources that will help them to start or strengthen their businesses.”

Secured business credit cards are something of a unicorn. There are very few secured options for small businesses, especially for major, national banks. Beyond the new Business Advantage Unlimited Cash Rewards Secured Card, Wells Fargo offers a secured option (the Wells Fargo Business Secured Credit Card), while BILL Spend & Expense, a fintech and software program, offers the BILL Divvy Corporate Card.

Related Article: Invest Rewards with the New Robinhood Cash Card

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Limited-Time $250 Offer for MGM Rewards Mastercard

by Jeannyn Gomez
limited-time-250-offer-for-mgm-rewards-mastercard

Last updated on September 19th, 2023

MGM Resorts is celebrating the launch of its new loyalty program, MGM Rewards, with a new credit card offer. New MGM Rewards Mastercard applicants can earn $250 after meeting minimum spending requirements for a limited time. Check out all the details for the limited-time MGM Rewards Mastercard welcome offer here: 

MGM Rewards Celebrates Launch with MGM Rewards Mastercard $250 Bonus

MGM Resorts celebrates its MGM Rewards launch with a new limited-time offer through the MGM Rewards Mastercard. Dubbed the card’s “Best.Offer.Ever.”, new cardmembers will receive $250 (awarded as 25,000 bonus points) after spending $5,000 in the first six months after opening an account. This special promotion runs through April 7, 2022.

About the MGM Rewards Mastercard

The MGM Rewards Mastercard (formerly known as the M life® Rewards Mastercard®) grants cardholders the opportunity to earn points and tier credits on all their card purchases. Cardholders earn up to 3X points and tier credits per $1 spent at MGM Rewards Destinations, gas stations, supermarkets, and on all other purchases.

The benefits don’t end there. MGM Rewards Mastercard cardholders also get bumped up to Pearl Level Benefits. The MGM Rewards Pearl is MGM Resorts’ second elite level of membership. This tier includes elevated perks such as complimentary self-parking at participating MGM Rewards Destinations (subject to availability) and complimentary tickets to select exclusive MGM Rewards concerts in Las Vegas, plus so much more.

MGM Resorts Reinvented Rewards Program

MGM reinvented its M-Life Rewards program and changed its name to MGM Rewards in February 2022. Likewise, the rewards for all other loyalty program tiers have been “reimagined.” The five levels of the MGM Rewards program include Sapphire, Pearl, Gold, Platinum, and Noir status – all of which offer new and exclusive benefits. Some of the impressive perks are:

  • Discounts to select shows, subject to availability (Sapphire)
  • Invitations to member-only events, tournaments, or promotions (Pearl)
  • Resort fees waived (Gold)
  • Complimentary enhanced room upgrades at check-in, based on availability (Gold)
  • Travel credits (Platinum)
  • Dining experience for qualifying members (Platinum)
  • VIP Lounge access (Noir)

These are just a few among the many benefits offered for each MGM Rewards status. As members reach higher statuses, the previous tier benefits follow along, growing the list of perks through each level.

How To Earn MGM Rewards

The new ways to earn are no longer limited to gaming. MGM Rewards members can now earn points on both gaming and non-gaming activities. Such activities include hotel stays, table games, dining, slots, etc. Creating additional ways to earn points outside of games will help stack up points when not at the casino.

Related Article: The Ultimate Guide to Gambling & Credit Cards

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New IHG® Rewards Premier Business Mastercard® Launches

by Cory Santos
new-ihg-rewards-premier-business-mastercard-launches

Chase and IHG have launched a new business credit card and are celebrating by offering huge welcome bonuses on its full-suite of IHG Rewards credit cards – but for a limited-time-only. Here’s what you need to know about the new IHG® Rewards Premier Business Mastercard®:

Chase and IHG Launch New Credit Card, Increase Welcome Bonuses on Personal Cards

IHG and Chase have a huge announcement – and a fitting way to celebrate. The bank and the hotel giant have a new business credit card, the IHG® Rewards Premier Business Mastercard®, and they are offering some of the best introductory offers on the range of IHG Rewards credit cards to kick the party up another notch.

For a limited time, Chase IHG credit cards also offer the following generous welcome offers on IHG Rewards points:

  • IHG Traveler Mastercard: Earn 120,000 bonus points after spending $2,000 on qualifying purchases in the first three months of account opening
  • IHG Premier Mastercard: Earn 140,000 bonus points after spending $3,000 on qualifying purchases in the first three months of account opening
  • NEW IHG Premier Business Mastercard: Earn 140,000 bonus points after spending $3,000 on qualifying purchases in the first 3 months from account opening

About the New IHG® Rewards Premier Business Mastercard®

The new IHG® Rewards Premier Business Mastercard® gives companies of all sizes the rewards they want when sending employees on travel. The card provides ample opportunities to earn points on both business-related and everyday categories, including:

  • 5X points on travel and at gas stations, restaurants and dining, social media and search engine advertising, and at office supply stores
  • 3X points per $1 spent on all other purchases
  • Up to 26X points when staying with IHG® Hotels & Resorts (with elite tier status in MGM Rewards)

Other features of the IHG Premier Business Card include:

  • $99 annual fee
  • Automatic IHG® Rewards Platinum Elite status, offering a 60% points bonus on qualifying stays with IHG Hotels & Resorts*
    • Reach IHG® Rewards Diamond Elite status after spending $40,000 on qualifying purchases and making one additional purchase each calendar year.
  • Cardmembers earn an Anniversary Free Night certificate each year on their account anniversary. The Anniversary Free Night certificate is redeemable at IHG® Hotels & Resorts.
    • Cardmembers earn an additional Free Night certificate after spending $60,000 on purchases and making one additional purchase each calendar year.
  • Earn 10,000 bonus points and a $100 statement credit after spending $20,000 on qualifying purchases and making one additional purchase each calendar year.
  • Redeem 3 Nights, Get the 4th Night Free when cardmembers redeem points for any stay of four or more nights at that same hotel during that same stay.
  • Global Entry or TSA PreCheck® statement credits
  • Up to $50 United® TravelBank Cash each calendar
  • World Elite Mastercard for Business benefits, including
    • Complimentary 24/7 Business Assistant
    • Access to Mastercard Priceless® Experiences and Mastercard Easy Savings™
    • Exclusive offers from popular brands for services like ride-sharing as well as marketing and cash flow management tools

IHG’s First Business Card in a Decade

The IHG® Rewards Premier Business Mastercard®  is the first new business card to market from Chase and IHG in over a decade.

“With the addition of the new IHG® Premier Business Mastercard and updates to the Premier and Traveler cards, we’re excited about what our strong cards offer those who love traveling,” said Ed Olebe, President of Chase Co-Brand Cards in a press release. “The cards complement IHG’s reimagined loyalty program, providing an accelerated way to earn points and benefits that will help create more memorable travel experiences for our cardmembers.”

“We set out to offer our members reimagined benefits to meet their needs for today’s environment and are really proud of what we have delivered with our new consumer and business cards,” added Heather Balsley, Senior Vice President of Global Loyalty and Partnerships, IHG Hotels & Resorts. “By offering the fastest way to earn rewards, including new benefits like 5X points on purchases at gas stations, up to $50 United® TravelBank Cash each calendar year, we’re helping turn everyday expenses for consumers and small business alike into meaningful travel rewards that can be applied at our more than 6,000 destinations across the world, including leading global brands such as InterContinental® Hotels & Resorts, Kimpton® Hotels & Restaurants, and Holiday Inn Express®.”

Related Article: Limited-Time 120K-Mile Offer for the United Club Infinite Card

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NordVPN Warns of “Brute Force” Credit Card Theft

by Cory Santos
nordvpn-warns-of-brute-force-credit-card-theft

Last updated on August 24th, 2023

NordVPN is offering a warning for consumers to remain vigilant due to heightened cybersecurity risks because of the war in Ukraine. The security giant is shining a light on a sudden, crude, and dangerous type of credit card theft, known as a brute force attack.

Brute Forcing: A Worryingly Effective Credit Card Fraud Technique

Hacking a credit or debit card can take as few as six seconds, according to cybersecurity experts at NordVPN. The sheer speed of “brute force” attacks is one of the major reasons why the details of over four million payment cards have appeared on the dark web, they claim.

A study released by NordVPN analyzing approximately four million payment cards from 140 countries found that the most common method to hack a payment card is known as “brute forcing.” This form of cyberattack is incredibly quick and can be executed in a matter of seconds

“The only way such a huge number of payment cards could appear on the dark web is through brute forcing. That means that criminals basically try to guess the card number and CVV. The first six to eight digits are the card issuer’s ID numbers. That leaves hackers with seven to nine numbers to guess because the 16th digit is a checksum and is used only to determine whether any mistakes were made when entering the number. Using a computer, an attack like this can take only six seconds,” said Marijus Briedis, NordVPN’s chief technology officer.

How Do Brute Force Attacks on Credit Cards Work?

In a brute-force attack, a hacker uses a rapid trial-and-error approach to guess the correct password, PIN, or payment card number. It doesn’t require a lot of brainpower or complex algorithms – it’s merely a guessing game. However, the attack does require some resources – time, computing power, and a special type of software used by criminals.

“To guess the nine digits that are needed to have a full card number, a computer has to go through 1 billion combinations. And it will only take one minute for a typical computer, which can try around 25 billion combinations per hour. However, a criminal may need only seven digits to make a correct guess depending on the card issuer. In this case, six seconds would be enough,” added Briedis.

Most card issuers limit the number of guesses you can make in a short time to prevent these kinds of attacks. Still, criminals find ways to get around the limitations. Mastercard, for example, has a centralized authentication system. So a criminal can only try around ten times with one number before Mastercard’s centralized system detects that. A criminal can try 30 to 40 times with the Visa security system, perhaps even more. And if they pick the right time of day, when it’s really busy, they can try many more times because it has a decentralized, federated system.

This observation correlates with the fact that more than a half (2,524,142 instances) of all the discovered payment cards were Visa, followed by Mastercard (1,602,248 instances), and American Express (215,971 instances).

How to Protect Yourself from Brute Force Attacks

There is little users can do to protect themselves from this threat, short of abstaining from card use entirely. The most important thing is to stay vigilant.

“Review your monthly statement for suspicious activity and respond quickly and seriously to any notifications from your bank that your card may have been used in an unauthorized manner. Another recommendation is to have a separate bank account for different purposes and only keep small amounts of money in the one your payment cards are connected to. Some banks also offer temporary virtual cards you can use if you don’t feel safe while shopping online,” Briedis suggests.

Other options to protect your online payments include using a third-party payments platform, like PayPal. Services like PayPal offer an additional layer of protection when making payments online, keeping your credit card, debit card, or even prepaid card details away from cyber-thieves. The PayPal service is also accepted in over 200 countries worldwide and at millions of U.S. retailers – online and in-store.

Related Article: Half of Americans Store Financial Information Online

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The Best Credit Cards for Grocery Shopping

by Cory Santos
best credit cards for grocery shopping groceries

Last updated on April 3rd, 2024

Groceries are one of the most popular credit card reward categories – and it’s easy to see why. We all eat, meaning we all have to shell out on groceries every week – so why not save money while you stock your cupboards? Here are our top grocery store credit cards:

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


Citi Custom Cash℠ Card
American Express® Gold Card
U.S. Bank Cash+® Card
Blue Cash Preferred® from American Express

The Best Grocery Credit Cards

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

The Citi Custom Cash℠ Card is a great grocery store credit card. The card offers up to 5% back on eligible purchases in the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.

As mentioned, the grocery category is one of the 5% back categories with other options, including dining, fitness, gas stations, home improvement, streaming, and select travel. Remember that the 5% bonus categories are limited to $500 spent every billing period, and any rewards earned after that threshold will be 1% back. All other cards’ purchases earn unlimited 1% cash back, with no caps on that earning.

American Express® Gold Card

American Express® Gold Card
Visit Card Site Rates & Fees
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
American Express Processing Network
$250 Annual Fee

American Express® Gold Card

  • See Pay Over Time APR Regular Purchase APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
  • Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required
  • Choose the color that suits your style. Gold or Rose Gold
  • No Foreign Transaction Fees
  • Annual Fee is $250
  • Terms Apply
  • Regular Purchase APR: See Pay Over Time APR
  • 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
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $250
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
  • You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
  • You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
  • You would benefit from statement credits on a variety of travel expenses
American Express® Gold Card

American Express® Gold Card

Rates & Fees
Visit Card Site Rates & Fees

The Gold Card from American Express differs from the Platinum Card in that it provides value for everyday life – and not just travel. The card earns 4X Membership Rewards on global dining (including takeout and delivery), plus purchases at U.S. supermarkets (up to $25,000 in spending every year). 

Those stats make the card a versatile dining and grocery credit card – made even better thanks to Amex’s statement credits. Gold Cardholders enjoy a $10 statement credit each month ( $120 dining credit each year)  when paying with the Gold Card at Grubhub, Seamless, Boxed, and other participating partners. Enrollment is required to take advantage of this offer. 

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Visit Card Site Rates & Fees
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
American Express Processing Network
$0 for the first year. Then $95 Annual Fee

Blue Cash Preferred® Card from American Express

  • 19.24% to 29.99% variable based on creditworthiness the Prime Rate Regular Purchase APR
  • 19.24% to 29.99% variable based on creditworthiness the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

Through the Blue Cash Preferred® Card from American Express, you can earn sizable cash back rewards on purchases in common categories, including 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% on all other purchases. You can also earn $300 back in the form of a statement credit after you make $3,000 in purchases using your new card in the first six months of the account being open.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
  • Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Terms Apply.
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness 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
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $0 for the first year. Then $95
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You budget for family spending and want a credit card that earns significant cash back
  • You’ll spend a lot of money on groceries to take advantage 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1% after that)
  • You’re excited at the prospect of earning 6% cash back with select streaming services
  • You want to capitalize on your commute with 3% cash back at U.S. gas stations (and select U.S. department stores)
  • You’ll take advantage of 3% cash back on transit (taxis/rideshare, parking and tolls, trains, buses and more), and 1% on all other purchases
  • You’re likely to make $3,000 in purchases within the first six months of the account opening to qualify for a one-time $300 statement credit
  • You cook at home often and commute to work and school regularly, or make use of public transit regularly
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Rates & Fees
Visit Card Site Rates & Fees

The Blue Cash Preferred® Card from American Express is a grocery juggernaut despite its $95 annual fee (or perhaps because of the fee). The card earns an impressive 6% back at U.S. supermarkets on up to $6,000 per year in purchases, plus 6% back on select streaming services, 3% back on gas and transit, and more. That 6% back on groceries is very impressive – especially given that the card’s closest competitor, the Savor Rewards Card from Capital One, offers just 3% cash back on groceries for a similar annual fee.

For those not looking to pay an annual fee, the Blue Cash Everyday® Card is another option to consider. The Blue Cash Everyday offers 3% cash back on groceries, plus 2% cash back at U.S. gas stations and select U.S. department stores for no yearly charge.

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
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The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card for everyday use. The card provides lucrative rewards in the form of 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose from the following:

TV, internet, and streaming services Cell phone providers Electronics stores
Fast food Home utilities Furniture stores
Department stores Clothing stores Movie theaters
Ground transportation Fitness centers Sporting goods stores

The card also earns 5% back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Rewards Travel Center, plus 2% cash back on one everyday category, like gas stations/EV charging stations, groceries or restaurants, and 1% cash back on all other eligible purchases. Cash back redemption options with the U.S. Bank Cash Plus Card are straightforward, with three redemption options from which to choose. Cardholders can receive their cash back as a statement credit, a direct deposit into a U.S. Bank checking, savings, or money market account, or simply use their rewards card to use their rewards.

Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit 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
None Annual Fee

Bank of America® Customized Cash Rewards Credit Card

  • 18.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
  • 18.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
  • 21.24% to 30.24% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 billing cycles from account opening date Intro Purchase APR

At a Glance

The Bank of America® Cash Rewards Credit Card boasts impressively flexible cash rewards on purchases in the category of your choice, on top of cash back for groceries and other everyday purchases. This card also offers an attractive introductory APR for purchases and balance transfers, making it a great all-around rewards card for those with dynamic purchase habits.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 3% cash back on the category of your choice: gas, EV charging, phone, internet, and cable plans, select streaming, online shopping, dining, travel, drug stores, or home improvement
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 1% on all other purchases
  • Introductory 0% APR for the first 15 billing cycles from the date you open your account
  • Free FICO® Score reports updated monthly so you can monitor your credit score
  • Intro Purchase APR: 0% for 15 billing cycles from account opening date
  • Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 billing cycles on transfers made within 60 days from account opening date
  • Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 21.24% to 30.24% 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 creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • You want the flexibility to choose your cash back category from month to month
  • You’re looking for a generous rewards credit card with no annual fee
  • You plan to take advantage of the long introductory APR period with a significant purchase or balance transfer
  • You have a Bank of America checking or savings account and qualify for a Preferred Rewards membership
Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card

Terms & Conditions
Visit Card Site Terms & Conditions
​

The Bank of America Customized Cash Card offers the versatility shoppers need to maximize their rewards when hitting the slopes, making home improvements, or stocking up on groceries. The card earns 3% cash back on purchases in your chosen category, with the option to select a new category for future purchases once a month.

Eligible 3% categories with the Customized Cash Rewards Card include travel favorites like gas, dining, and travel, plus online shopping, drug stores, and home improvement stores. Cardholders also earn 2% at grocery stores and wholesale clubs, and 1% cash back on all other purchases – all for no annual fee.

Browse more of the “Best of” from BestCards

Featured photo by AlbanyColley/ PixaBay

Limited-Time 120K-Mile Offer for the United Club Infinite Card

by Cory Santos
limited-time-120k-offer-for-the-united-club-infinite-card

Last updated on April 7th, 2023

Chase has a new limited-time offer on one of its most exclusive credit cards. For a limited time, new United Club Infinite cardholders can earn up to 120,000 bonus miles after meeting minimum spending requirements. Here are the full details of Chase’s new United Club Infinite welcome offer:

Limited-Time-Only 120,000-Miles Bonus with United Club Infinite Card

The United Club Infinite is one of the most exclusive airline credit cards, thanks in no small part to its $525 annual fee. The card, from Chase, offers free checked bags on United-operated flights, TSA Precheck®/ Global Entry credits, and United Club℠ membership – itself a $650 value per year.

Chase is upping the stakes with a new, limited-time-only welcome bonus. New United Club Infinite accounts can earn 120,000 United MileagePlus® Miles after spending $6,000 on qualifying purchases in the first three months of opening an account. That welcome bonus has a value of around one roundtrip business class ticket with United – not bad!

Features of the United Club Infinite Credit Card

A steep annual fee isn’t all the United Club Infinite offers. The card is a luxury travel juggernaut, full of perks, status, and access not available to general travelers. These perks and benefits include:

  • United Club℠ membership
  • Free first and second checked bags – a savings of up to $320 per roundtrip
  • Up to $100 as a statement credit for Global Entry or TSA PreCheck® every 4 years
  • 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United-operated flights
  • Save 10% on United Economy Saver Awards
  • $70 discount on CLEAR® membership
  • IHG Rewards Platinum Elite status

The Club Infinite Card also earns valuable miles on a selection of travel-centric and everyday spending categories:

  • 4X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
  • 2X miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services, and tolls
  • 2X per $1 spent on dining, including eligible delivery services
  • 1X mile per $1 spent on all other purchases

Terms & Conditions

This product is not available to either (i) current Cardmembers of any United ClubSM credit card or (ii) previous Cardmembers of any United Club credit card who received a new Cardmember bonus for this credit card within the last 24 months. If you are an existing United Club Visa Signature Cardmember and would like this product, please call the number on the back of your card to see if you are eligible for a product change.

Related Article: Chase Unveils Q2 Freedom 5% Cash Back Categories

Featured image by DirkDanielMann/PixaBay

Earn Stock Rewards with the TAP Flow Debit Card

by Cory Santos
earn-stock-rewards-with-the-tap-flow-debit-card

Utah-based TAB Bank has announced a new checking account and debit card. The new TAB Flow Card offers cardholders up to 1% back in stock rewards from companies like Amazon, McDonald’s, Chevron, Walmart, Disney, and Starbucks.

TAB Bank Announces New Stock Rewards Debit Card

TAB Bank is Ogden, Utah-based fintech and digital bank. The bank offers a full selection of banking products for small businesses and consumers. Despite having no physical branches, TAB Bank is fully FDIC-insured. TAB Bank is now hyping a new debit card and checking account combination, called TAB Flow.

About TAB Flow

TAB Flow offers accountholders rewards, which isn’t unheard of. There are plenty of rewards debit and prepaid cards on the market, including the Current Debit Visa Card, the Fold Visa, and Aspiration’s debit card.

TAB Flow differs because it offers 0.5% back as stock with select retailers. In this regard, TAP Flow is somewhat similar to the M1 Visa Debit Card. However, that card works with an investment account and doesn’t directly provide stock rewards.

The TAB Flow debit card and checking account features contactless payment and digital wallet compatibility, no overdraft fees, budgeting tools, and more. And a Mastercard debit card, the TAP Flow Card features a selection of protections, including Mastercard Global Services, ID Theft Protection and credit monitoring, and Mastercard Airport Concierge (for an additional charge).

The Tab Flow product is currently at the waitlist stage, with interested consumers able to sign up here.

“Help Consumers Start Saving”

“Wealth is built by owning assets. We all work for a living, I get a paycheck, so I want to figure out how I’m going to take that money and build wealth,” said TAB Bank CEO and Bank President Curt Queyrouze in a release. “Ownership is extremely important to create that foundation of financial strength and then build upon it and then participate.

“I think everybody now can have the opportunity to participate, and we believe this is the right way to get people in. It’s not as scary when you’re not putting your own capital at risk,” he added. “If you just have cash back and you have $1,000 in your checking account, and at the end of the month, I put an extra $5 in your checking account, it just gets spent, right? It’s just fungible; even if we put it in a savings account, you can tie your savings account checking account together, and it just gets spent.

“The stock is separate, and in order to take it out of the stock fund, you have to actually liquidate your ownership and transfer, so there’s a natural barrier. It is not as fungible as the money that gets deposited in your account, and that helps people not only create that savings account but maintain it because it is separate and it has its own kind of behavioral engagement. And people are reluctant to then liquidate stocks out where they might have seen some value creation, and they’ll look at other alternatives. So this was the best solution we saw to help consumers start saving.”

Related Article: The Best Fintech & Crypto Credit Cards of 2022

Featured image by TAB Bank

Huntington Launches new Cashback Credit Card

by Cory Santos
huntington-bank-launches-Huntington-Cashback-Card

Last updated on April 6th, 2023

Huntington National Bank has launched a new cashback credit card: the Huntington® Cashback Credit Card. The new card offers 1.5% unlimited cash back on every purchase, with no annual or foreign transaction fees.

Huntington National Bank Launches New Cash Back Credit Card

Huntington National Bank is an Ohio-based financial institution with over 900 branches across seven U.S. states. The bank offers a variety of financial products to businesses and consumers, including a range of credit cards under the Voice banner.

The bank has launched a new cash rewards credit card, the Huntington® Cashback Credit Card. The World Elite Mastercard earns unlimited cash back rewards at a rate of 1.5% back for every $1 spent on purchases. There are no caps to rewards, no annual fees, and no foreign transaction fees.

The unlimited 1.5% cash back with the Huntington Cashback Credit Card is on par with several popular options from larger banks. The most glaring similarities are the Chase Freedom Unlimited and American Express Cash Magnet, which provide the same 1.5% cash back on every purchase. The card also earns the same rewards rate as the Discover It Miles, though that card technically earns points instead of cash back.

Huntington Fair Play Banking

What sets Huntington apart from some banks is its “Fair Play Banking” philosophy, which the bank launched over a decade ago. This Fair Play Banking process removes many of the frustrating features of other credit cards, including hidden fees and confusing redemption options. Cash back never expires as long as the account is in good standing, and cardholders can opt for automatic monthly redemptions or redeem their rewards manually

Huntington National Bank’s Fair Play Banking also provides “Late Fee Grace.” This popular feature provides an additional day on the grace period to make a payment and avoid late fees. Cardholders also enjoy no penalty fee pricing, meaning their APR will never rise – even if they miss a payment.

Related Article: Chase Unveils Q2 Freedom 5% Cash Back Categories

Featured image by Huntington National Bank

The Best Military Credit Cards

by Jeannyn Gomez
Best Military Credit Cards of 2022

Last updated on April 3rd, 2024

Heroes deserve the very best – and helping our service members (and their families) find the best credit cards is one small way in which we can help. Here are our picks for the best military credit cards:

The Best Military Credit Cards

Here are our top armed forces credit cards:

USAA® Preferred Cash Rewards Visa Signature® Card

USAA® Preferred Cash Rewards Visa Signature® 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
Visa Processing Network
None Annual Fee

USAA® Preferred Cash Rewards Visa Signature® Card

  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The USAA® Preferred Cash Rewards Visa Signature® Card helps cardholders earn unlimited 1.5% cash back on purchases. They can also enjoy no foreign transaction fees, no annual fee, and no penalty APR.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Easy, Unlimited 1.5% Cash Back on Purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer’s or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stole
  • Regular Purchase APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You want unlimited cash back on all purchases
  • You want no annual fee
  • You want no foreign transaction fees
USAA® Preferred Cash Rewards Visa Signature® Card

USAA® Preferred Cash Rewards Visa Signature® Card

Terms & Conditions
Visit Card Site Terms & Conditions

The USAA® Preferred Cash Rewards Visa Signature® Card is one of our top picks with some of the lowest APRs on our list, in addition to a lengthy 15-month introductory balance transfer APR. Not much of a surprise since USAA credit cards overall feature some of the lowest interest rates from a major card issuer. Moreover, earn unlimited 1.5% cash back on all purchases and enjoy the typical global benefits users expect from a Visa Signature credit card.

USAA offers a variety of credit cards to those who serve, all of which offer great value.  The USAA Preferred Cash Rewards Visa Signature, however, is one of our favorite cards from the issuer.

USAA® Cashback Rewards Plus American Express® Card

USAA® Cashback Rewards Plus American Express® 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
American Express Processing Network
None Annual Fee

USAA® Cashback Rewards Plus American Express® Card

  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The USAA® Cashback Rewards Plus American Express® Card helps cardholders who spend regularly on gas and groceries earn cash back, and offers special features for military members. They can also enjoy no foreign transaction fees, no annual fee, and no penalty APR.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturers warranty at no extra cost
  • Earn 5% cash back on your first $3,000 in combined gas station and military base Purchases yearly
  • Earn 2% cash back on your first $3,000 in grocery Purchases yearly
  • Earn 1% on all your other card purchases
  • Regular Purchase APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You want cash back on regular purchases such as gas and groceries
  • You want no annual fee
  • You want no foreign transaction fees
USAA® Cashback Rewards Plus American Express® Card

USAA® Cashback Rewards Plus American Express® Card

Terms & Conditions
Visit Card Site Terms & Conditions

Next up, we have the USAA® Cashback Rewards Plus American Express – another worthy military credit card from USAA. The card has the highest cash back reward offer on our list of best military cards. It comes in with an impressive 5% cash back earned at gas stations and military base purchases, plus 2% back on groceries and a lengthy 15-month intro APR for balance transfers.

USAA caps these cash back rewards to the first $3,000 spent each year in those categories. Still, for a card with no annual fee and the same great interest rates as the Preferred Cash Visa Signature, it’s hard not to include this impressive card on our best military cards list.

PenFed Platinum Rewards VISA Signature® Card

PenFed Platinum Rewards VISA Signature® 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
Visa Processing Network
None Annual Fee

PenFed Platinum Rewards VISA Signature® Card

  • 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.99% Balance Transfer APR
  • 17.99% Cash Advance APR

At a Glance

The PenFed Platinum Rewards VISA Signature® is big on gas and groceries; earn 5x points per dollar spent on purchases made at the pump, 3x points for grocery purchases, and 1x points for all other purchases. Take advantage of a great introductory offer – 0% APR for balance transfers for up to 12 months and a special bonus statement credit as you earn points on everyday purchases towards travel, shopping and gift cards.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 5X points per dollar spent on gas at the pump and EV charging stations and 3X points on groceries. 1X points on all other purchases
  • 15,000 bonus points when you spend $1,500 in first 90 days of card account opening
  • 0% intro APR on balance transfers for 12 months after account opening
  • No annual fees and no foreign transaction fees
  • Regular Purchase APR: 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 17.99%
  • Balance Transfer Transaction Fee: 3% of the transfer amount
  • Cash Advance APR: 17.99%
  • Penalty APR: 17.99%
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
  • You spend money on gas and groceries often
  • You will spend $1,500 in the first 90 days to earn a 15,000 bonus points
  • You want a card with no annual fees and no foreign transaction fees
  • You want to transfer a large balance with no interest for 12 months
PenFed Platinum Rewards VISA Signature® Card

PenFed Platinum Rewards VISA Signature® Card

Terms & Conditions
Visit Card Site Terms & Conditions

Moving on to the PenFed Platinum Rewards Card, this military credit card earns the highest points on our list of favorites. Earn 5X points per dollar spent at gas stations, including electric car charging stations, in addition to 3X points per dollar spent on groceries.

Other noteworthy features with the PenFed Visa Rewards Card include a 12-month 0% intro APR period on balance transfers, a highly competitive APR, and no foreign transaction fees or annual fees.

Navy Federal nRewards Secured Credit Card

Navy Federal nRewards Secured Credit Card
Visit Card Site 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
None Annual Fee

Navy Federal nRewards Secured Credit Card

  • 18.00% variable based on the Prime Rate Regular Purchase APR
  • 18.00% variable based on the Prime Rate Balance Transfer APR
  • 20.00% variable based on the Prime Rate Cash Advance APR

At a Glance

The Navy Federal nRewards Secured Credit Card is a secured credit card designed for those looking to repair or build their credit while earning rewards. Cardholders earn one bonus point for every dollar they spend on purchases with the card. Rewards points are applicable to travel, merchandise, cash, or gift cards. The card also features no annual fees, no foreign transaction fees, and an 18% APR on purchases and balance transfers.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • 1x points for every dollar spent
  • Regular Purchase APR: 18.00% variable based on the Prime Rate
  • Balance Transfer APR: 18.00% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: None
  • Cash Advance APR: 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1
  • Penalty APR: 18.00%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: $200
  • You’re a member of NFCU
  • You need to rebuild or establish your credit
  • You want to earn rewards for your everyday purchases
  • You do’t want to pay an annual fee
  • You can make a security deposit of at least $200, which acts as the credit line (credit limit)
Navy Federal nRewards Secured Credit Card

Navy Federal nRewards Secured Credit Card

Terms & Conditions
Visit Card Site Terms & Conditions

The Navy Federal nRewards® Secured Credit Card is one of the best secured credit cards and the only credit builder card on our list. The card features no annual fee, no foreign transaction fees, and a flat rate of 1X nRewards points per dollar on every purchase. And what is a credit-builder card without the opportunity for a credit limit increase? After just three months, you may be eligible for one. Typically, credit limit increases aren’t possible until after six months of credit use, but this is not your typical card, hence why it has made it as one of our top picks.

The nRewards Secured Visa also benefits from broader membership requirements versus other military credit unions, such as Security Service FCU, All In CU, and others. Military personnel (and their families) anywhere in the world can join Navy Federal – as well as veterans and select Department of Defense employees and contractors.

Featured image by BookBabe/ PixaBay

Curve Launches in United States

by Cory Santos
curve launches in us

Last updated on August 11th, 2022

Fintech Curve has finally launched in the United States. The new service allows users to track all their finances and transactions in one place (including credit cards), offering a cashback and up to 10% back on purchases.

Curve Now Available in the United States

The hotly anticipated Curve has finally arrived in the U.S. Previously available in Europe, the platform lets users track their finances and spending by linking bank and credit card accounts in one place.

The launch includes the new Curve All in One Card. The Curve, All in One Card, differs from other credit cards because it is truly an “all in one” product. The card – and associated Curve app – allows users to consolidate multiple credit cards into one payment card and make purchases anywhere Mastercard is accepted.

Curve Features

Beyond its “all in one” approach to rewards, the Curve Card offers some impressive features. Chief among the unique Curve features is the innovative “Time Travel” option that allows cardholders to retroactively move charges from one card to another – helping them maximize rewards.

Time Travel

“Time Travel” is an innovative feature that all cardholders will enjoy. This feature allows Curve Cardholders to retroactively move charges from one card to another. The Time Travel benefit lets you switch charges to another card that offers better rewards or lower APR.

Anti-Embarrassment Tool

“Anti-Embarrassment” is Curve’s unique system to avoid the embarrassment of a declined card at checkout. Curve Credit swoops in automatically if the user’s selected card doesn’t go through, so they can pay without the panic of a failed transaction.

When using the Curve platform, users pay the merchant and charge their credit cards. All transactions will still appear on the individual cards statements, but it will be made clear that the purchase was made through Curve.

Curve Credit

“Curve Credit” is the fintech’s Buy Now, Pay Later (BNPL) service. The feature allows Curve members to at a later date or in installments through a payment plan. Customers will get the option to pay back in 3, 6, or 12-month installments.

Curve Rewards

The curve platform also provides rewards outside of issuer credit card rewards (think Chase Ultimate Rewards, Citi ThankYou Points, Amex Membership Rewards). While the full rewards structure for U.S. members isn’t fully known, what is known is that those signed up to the Curve waitlist will enjoy 1% cash back on all purchases for the first six months. This 1% cash back bonus is in addition to the rewards the user would typically earn on their current credit card.

Waitlist users can increase their odds of reaching the top 100 by referring friends, family, or anyone else to the Curve waitlist. Users can jump 50 spots with each successful referral. The fintech previously announced an impressive 10% cash back to the top 100 users on the waitlist for six months.

“Put people in Better Control of Their Money”

“Curve is evolving, and to launch in the U.S. is an incredibly exciting milestone for us. Americans hold four debit cards and credit cards on average, which we aim to simplify down to one card and one app to put people in better control of their money,” said Shachar Bialick, CEO and founder of Curve.

“It’s also a challenging time for consumer finances in the U.S. Inflation is at an all-time high, and rate hikes are on the horizon. By empowering U.S. customers with their finances, we hope to help more people towards a better financial future.”

Related Article: The Best Fintech & Crypto Credit Cards of 2022

Featured image by Curve

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