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Discover The Finest Credit Cards Of August 2023
Rewards, Premier Offers & Reviews

Written By: Nick Williamson

Edited By: Tracy Stewart

Reviewed By: Jason Steele

July 31, 2023

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Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.

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Everyday Cash Rewards

Cash Back Match

Unlimited cash back

Dining Rewards

BEST FOR OVERALL FLEXIBLE TRAVEL REWARDS

Chase Sapphire Preferred® Card

see rates & fee

Recommended credit

670-850 (Good to Excellent)

Rewards rate

5x

5x on travel purchased through Chase Ultimate Rewards®

3x

3x on dining 

2x

2x on all other travel purchases, plus more

Intro offer

60,000 bonus points

Annual fee

$95

Regular APR

21.49% – 28.49% variable

Read the full review

Pros

  • You can increase the value of your points by 25% when you redeem for travel through Chase Ultimate Rewards®.
  • Generous sign-up bonus and rewards rate

Cons

  • The $95 annual fee isn’t waived the first year.

  • There is no introductory APR offer on purchases or balance transfers.

Bottom Line

The Chase Sapphire Preferred is one of the best beginner travel credit cards due to its low annual fee, lucrative rewards structure and flexible redemption options.

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Rates & Fees

Annual Fee

$95

Intro Purchase APR

N/A

Regular APR

21.49% – 28.49% Variable

Intro Balance Transfers APR

N/A

View All Chase Sapphire Preferred® Card Details

BEST FOR FLAT-RATE BUSINESS REWARDS

Ink Business Unlimited® Credit Card

see rates & fee

Recommended credit

670-850 (Good to Excellent)

Rewards rate

1.5%

Earn unlimited 1.5% cash back on every purchase made for your business

Intro offer

$900

Annual fee

$0

Regular APR

18.49% – 24.49% variable

Read the full review

Pros

  • There are a variety of redemption options including statement credits, direct deposits, gift cards and travel.
  • You can transfer your rewards to qualifying Chase Ultimate Rewards cards to redeem for more value.

Cons

  • Businesses with regular expenses in particular categories, like travel or dining, might do better with a tiered rewards card.
     
  • The cash back rate is good, but you can earn more using a card with bonus categories that align with your spending.

Bottom Line

Small-business owners who prefer a simple, low-maintenance rewards card will love earning 1.5% cash back on all purchases with the Ink Business Unlimited.

Highlights

  • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Rates & Fees

Annual Fee

$0

Intro Purchase APR

0% Intro APR on Purchases for 12 Months

Regular APR

0% Intro APR on Purchases for 12 Months

Intro Balance Transfers APR

N/A

View All Ink Business Unlimited® Credit Card Details

BEST FOR TRAVEL

Chase Sapphire Reserve®

see rates & fee

Recommended credit

740-850 (Excellent)

Rewards rate

1%

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

5%

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Intro offer

60,000 points

Annual fee

$550

Regular APR

22.49% – 29.49% variable

Read the full review

Pros

  • Each year you can look forward to a credit for up to $300 to reimburse you for travel purchases, and every four years you’ll earn up to a $100 credit towards Global Entry or TSA PreCheck.
  • Increase your point value by 50% by redeeming them for travel through Chase Ultimate Rewards®.

Cons

  • In order to recoup the cost of the $550 annual fee, you’ll need to travel frequently and take advantage of the long list of benefits and perks.

  • Chase’s list of travel partners is good, but some competitors do better in terms of hotel partners.

Bottom Line

For frequent travelers who prefer to arrive in style, The Chase Sapphire Reserve® is a top-notch travel credit card brimming with luxury perks.

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Rates & Fees

Annual Fee

$550

Intro Purchase APR

N/A

Regular APR

22.49% – 29.49% Variable

Intro Balance Transfers APR

N/A

View All Chase Sapphire Reserve® Details

Chase Sapphire Preferred® Card

See Rates & Fees

Rewards Rate

5x

3x

2x

5x on travel purchased through Chase Ultimate Rewards®

3x on dining

2x on all other travel purchases, plus more

Intro offer

60,000 bonus points

Annual fee

$95

Regular APR

21.49% – 28.49% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Rates & Fees

Annual Fee

$95

Intro Purchase APR

N/A

Regular APR

21.49% – 28.49% Variable

Intro Balance Transfers APR

N/A

View All Chase Sapphire Preferred® Card Details

Pros

  • You can increase the value of your points by 25% when you redeem for travel through Chase Ultimate Rewards®.
  • Generous sign-up bonus and rewards rate

Cons

  • The $95 annual fee isn’t waived the first year.
  • There is no introductory APR offer on purchases or balance transfers

MORE TRAVEL CARDS FROM CHASE

Chase Sapphire Reserve®

See Rates & Fees

Rewards Rate

3x

1x

5x

10x

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.

Earn 5x total points on flights through Chase Ultimate Rewards®.

Earn 3x points on other travel and dining.

Earn 1 point per $1 spent on all other purchases

Intro offer

60,000 points

Annual fee

$550

Regular APR

22.49% – 29.49% variable

at Chase’s secure site

Recommended credit

740-850 (Excellent)

Pros

  • Each year you can look forward to a credit for up to $300 to reimburse you for travel purchases, and every four years you’ll earn up to a $100 credit towards Global Entry or TSA PreCheck.
  • Increase your point value by 50% by redeeming them for travel through Chase Ultimate Rewards®.

Cons

  • In order to recoup the cost of the $550 annual fee, you’ll need to travel frequently and take advantage of the long list of benefits and perks.
  • Chase’s list of travel partners is good, but some competitors do better in terms of hotel partners.

highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Rates & Fees

Annual Fee

$550

Intro Purchase APR

N/A

Regular APR

22.49% – 29.49% Variable

Intro Balance Transfers APR

N/A

View All Chase Sapphire Reserve® Details

United℠ Explorer Card

See Rates & Fees

Rewards Rate

3x

1x

2x

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases

Earn 2 miles per $1 spent on dining including eligible delivery services

1 mile per $1 spent on all other purchases

Intro offer

Earn 60,000 bonus miles

Annual fee

$95, waived first year

Regular APR

21.99% – 28.99% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • With the sign-up bonus, you can earn earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.
  • The ability to earn 2X miles on dining gives this card a nice touch of everyday usefulness.

Cons

  • Though waived the first year, there is a $95 annual fee.
  • Unlike many airline cards, this card offers no annual miles bonus.

highlights

  • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag – a savings of up to $140 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year
  • Member FDIC

Rates & Fees

Annual Fee

$0 Intro for First Year, then $95.

Intro Purchase APR

N/A

Regular APR

21.99% – 28.99% Variable

Intro Balance Transfers APR

N/A

View All United℠ Explorer Card Details

Southwest Rapid Rewards® Plus Credit Card

See Rates & Fees

Rewards Rate

2x

1x

2x

2x

2x

Earn 2X points on Southwest® purchases.

Earn 2X points on local transit and commuting, including rideshare.

Earn 2X points on internet, cable, and phone services; select streaming.

Earn 2X points on Rapid Rewards® hotel and car rental partners.

Earn 1X points on all other purchases.

Intro offer

Earn 50,000 points

Annual fee

$69

Regular APR

21.49% – 28.49% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • For redemption bookings, there are no blackout dates, change fees or booking fees. Also, points never expire.
  • You’ll receive 3,000 bonus points after your Cardmember anniversary each year.

Cons

  • Since Southwest has no airline partners, you can’t transfer your points.
  • The Southwest flight network is smaller than other major airlines, and international flights are limited.

highlights

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • Member FDIC

Rates & Fees

Annual Fee

$69

Intro Purchase APR

N/A

Regular APR

21.49% – 28.49% Variable

Intro Balance Transfers APR

N/A

View All Southwest Rapid Rewards® Plus Credit Card Details

Southwest Rapid Rewards® Premier Credit Card

See Rates & Fees

Rewards Rate

3x

1x

2x

2x

2x

Earn 3X points on Southwest® purchases.

Earn 2X points on local transit and commuting, including rideshare.

Earn 2X points on internet, cable, and phone services; select streaming.

Earn 2X points on Rapid Rewards® hotel and car rental partners.

Earn 1X points on all other purchases.

Intro offer

$200 Cash Rewards

Annual fee

$99

Regular APR

21.49% – 28.49% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • Points never expire and there are no blackout dates.
  • You’ll receive 6,000 bonus points after your Cardmember anniversary each year.

Cons

  • The Southwest network is smaller than other major airlines, and they service fewer international flights.
  • You can only book rewards flights on Southwest since Southwest doesn’t have airline partners.

highlights

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 6,000 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • No foreign transaction fees.
  • Member FDIC

Rates & Fees

Annual Fee

$99

Intro Purchase APR

N/A

Regular APR

21.49% – 28.49% Variable

Intro Balance Transfers APR

N/A

View All Southwest Rapid Rewards® Premier Credit Card Details

Southwest Rapid Rewards® Priority Credit Card

See Rates & Fees

Rewards Rate

3x

1x

2x

2x

2x

Earn 3X points on Southwest® purchases.

Earn 2X points on local transit and commuting, including rideshare.

Earn 2X points on internet, cable, and phone services; select streaming.

Earn 2X points on Rapid Rewards® hotel and car rental partners.

Earn 1X points on all other purchases.

Intro offer

Earn 50,000 points

Annual fee

$149

Regular APR

21.49% – 28.49% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • The sign-up bonus is the same for all Southwest consumer cards, but the Priority card comes with several travel perks that the others don’t.
  • Reach A-list status more quickly by receiving 1,500 tier qualifying points for every $10,000 spent on your card.

Cons

  • Unlike some co-branded credit cards, you don’t automatically qualify for elite (A-list) status.
  • The annual fee is $149, and it isn’t waived the first year.

highlights

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 7,500 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • $75 Southwest® travel credit each year.
  • No foreign transaction fees.
  • Member FDIC

Rates & Fees

Annual Fee

$149

Intro Purchase APR

N/A

Regular APR

21.49% – 28.49% Variable

Intro Balance Transfers APR

N/A

View All Southwest Rapid Rewards® Priority Credit Card Details

Ink Business Unlimited® Credit Card

See Rates & Fees

Rewards Rate

1.5%

Earn unlimited 1.5% cash back on every purchase made for your business

Intro offer

$900

Annual fee

$0

Regular APR

18.49% – 24.49% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

highlights

  • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Rates & Fees

Annual Fee

$0

Intro Purchase APR

0% Intro APR on Purchases for 12 Months

Regular APR

18.49% – 24.49% Variable

Intro Balance Transfers APR

N/A

View All Ink Business Unlimited® Credit Card Details

Pros

  • There are a variety of redemption options including statement credits, direct deposits, gift cards and travel.
  • You can transfer your rewards to qualifying Chase Ultimate Rewards cards to redeem for more value.

Cons

  • Businesses with regular expenses in particular categories, like travel or dining, might do better with a tiered rewards card.
  • The cash back rate is good, but you can earn more using a card with bonus categories that align with your spending.

Ink Business Unlimited® Credit Card

See Rates & Fees

Rewards Rate

1.5%

Earn unlimited 1.5% cash back on every purchase made for your business

Intro offer

$900

Annual fee

$0

Regular APR

18.49% – 24.49% variable

at Chase’s secure site

Recommended credit

670-850 (Good to Excellent)

highlights

  • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Rates & Fees

Annual Fee

$0

Intro Purchase APR

0% Intro APR on Purchases for 12 Months

Regular APR

18.49% – 24.49% Variable

Intro Balance Transfers APR

N/A

View All Ink Business Unlimited® Credit Card Details

Pros

  • There are a variety of redemption options including statement credits, direct deposits, gift cards and travel.
  • You can transfer your rewards to qualifying Chase Ultimate Rewards cards to redeem for more value.

Cons

  • Businesses with regular expenses in particular categories, like travel or dining, might do better with a tiered rewards card.
  • The cash back rate is good, but you can earn more using a card with bonus categories that align with your spending.

MORE CARDS FROM CHASE

BEST SOUTHWEST CARD WITH A LOW ANNUAL FEE

Southwest Rapid Rewards® Plus Credit Card

See Rates & Fees

Rewards Rate

2x

1x

2x

2x

2x

Earn 2X points on Southwest® purchases.

Earn 2X points on local transit and commuting, including rideshare.

Earn 2X points on internet, cable, and phone services; select streaming.

Earn 2X points on Rapid Rewards® hotel and car rental partners.

Earn 1X points on all other purchases.

Intro offer

Earn 50,000 points

Annual fee

$69

Regular APR

21.49% - 28.49% variable

at Chase's secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • For redemption bookings, there are no blackout dates, change fees or booking fees. Also, points never expire.
  • You’ll receive 3,000 bonus points after your Cardmember anniversary each year.

Cons

  • Since Southwest has no airline partners, you can’t transfer your points.
  • The Southwest flight network is smaller than other major airlines, and international flights are limited.

highlights

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • Member FDIC

Rates & Fees

Annual Fee

$69

Intro Purchase APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Balance Transfers APR

N/A

View All Southwest Rapid Rewards® Plus Credit Card Details

BEST FOR SOUTHWEST TRAVEL

Southwest Rapid Rewards® Premier Credit Card

See Rates & Fees

Rewards Rate

3x

1x

2x

2x

2x

Earn 3X points on Southwest® purchases.

Earn 2X points on local transit and commuting, including rideshare.

Earn 2X points on internet, cable, and phone services; select streaming.

Earn 2X points on Rapid Rewards® hotel and car rental partners.

Earn 1X points on all other purchases.

Intro offer

$200 Cash Rewards

Annual fee

$99

Regular APR

21.49% - 28.49% variable

at Chase's secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • Points never expire and there are no blackout dates.
  • You’ll receive 6,000 bonus points after your Cardmember anniversary each year.

Cons

  • The Southwest network is smaller than other major airlines, and they service fewer international flights.
  • You can only book rewards flights on Southwest since Southwest doesn’t have airline partners.

highlights

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 6,000 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • No foreign transaction fees.
  • Member FDIC

Rates & Fees

Annual Fee

$99

Intro Purchase APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Balance Transfers APR

N/A

View All Southwest Rapid Rewards® Premier Credit Card Details

BEST FOR SOUTHWEST BENEFITS

Southwest Rapid Rewards® Priority Credit Card

See Rates & Fees

Rewards Rate

3x

1x

2x

2x

2x

Earn 3X points on Southwest® purchases.

Earn 2X points on local transit and commuting, including rideshare.

Earn 2X points on internet, cable, and phone services; select streaming.

Earn 2X points on Rapid Rewards® hotel and car rental partners.

Earn 1X points on all other purchases.

Intro offer

Earn 50,000 points

Annual fee

$149

Regular APR

21.49% - 28.49% variable

at Chase's secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • The sign-up bonus is the same for all Southwest consumer cards, but the Priority card comes with several travel perks that the others don’t.
  • Reach A-list status more quickly by receiving 1,500 tier qualifying points for every $10,000 spent on your card.

Cons

  • Unlike some co-branded credit cards, you don’t automatically qualify for elite (A-list) status.
  • The annual fee is $149, and it isn’t waived the first year.

highlights

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 7,500 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • $75 Southwest® travel credit each year.
  • No foreign transaction fees.
  • Member FDIC

Rates & Fees

Annual Fee

$149

Intro Purchase APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Balance Transfers APR

N/A

View All Southwest Rapid Rewards® Priority Credit Card Details

BEST FOR INTRO APR ON BALANCE TRANSFERS

Chase Slate Edge℠

See Rates & Fees

Rewards Rate

This card doesn't offer cash back, miles, or points

Intro offer

No current offer

Annual fee

$0

Regular APR

20.49% - 29.24% variable

at Chase's secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • Cardholders receive access to helpful credit management tools including Credit Journey and My Chase Plan.
  • Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.

Cons

  • Balance transfers are subject to an introductory 3% fee in the first 60 days ($5 minimum). After that, the fee becomes 5% ($5 minimum).
  • Cardholders will not be able to benefit from a real rewards program.

highlights

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% – 29.24% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
  • Member FDIC

Rates & Fees

Annual Fee

$0

Intro Purchase APR

0% Intro APR on Purchases for 18 months

Regular APR

20.49% - 29.24% Variable

Intro Balance Transfers APR

0% Intro APR on Balance Transfers for 18 months

View All Chase Slate Edge℠ Details

BEST FOR UNITED MILES

United℠ Explorer Card

See Rates & Fees

Rewards Rate

3x

1x

2x

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases

Earn 2 miles per $1 spent on dining including eligible delivery services

1 mile per $1 spent on all other purchases

Intro offer

Earn 60,000 bonus miles

Annual fee

$95, waived first year

Regular APR

21.99% - 28.99% variable

at Chase's secure site

Recommended credit

670-850 (Good to Excellent)

Pros

  • With the sign-up bonus, you can earn earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.
  • The ability to earn 2X miles on dining gives this card a nice touch of everyday usefulness.

Cons

  • Though waived the first year, there is a $95 annual fee.
  • Unlike many airline cards, this card offers no annual miles bonus.

highlights

  • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag – a savings of up to $140 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year
  • Member FDIC

Rates & Fees

Annual Fee

$0 Intro for First Year, then $95.

Intro Purchase APR

N/A

Regular APR

21.99% - 28.99% Variable

Intro Balance Transfers APR

N/A

View All United℠ Explorer Card Details

Our Methodology And Research

3,476

Credit Cards
Analyzed

600

Banks
Analyzed

Criteria Used

Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.
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