Overview

Citi Strata Premier^® Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $600 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.

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Citi Strata Premier^® Card

• Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

If you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 60,000 points, which can be redeemed for $600 in cash rewards or gift cards at thankyou.com. Earning the bonus of $600 value is like receiving a 15% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 60,000 points bonus rewards.

How to Earn Rewards

You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.

For instance, if you spend $5,000 on gas, $10,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 115,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.

$100 Annual Hotel Savings Benefit

Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.

Additional Information

Fees

This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.

Required Credit Rating

The Citi Strata Premier Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

Is this the right card for you?

If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier^® Card is one of the best credit cards for that purpose. You can earn a generous bonus of 60,000 points points, redeemable for $600, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier^® Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.

Similar Credit Cards with Bonus Rewards

If you are interested in the Citi Strata Premier^® Card, you may also consider the following credit cards with similar benefits.

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.	$95 rates & fees
	Chase Sapphire Reserve®	100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 on purchases in the first 3 months from account opening.	$795 rates & fees
	American Express® Gold Card	$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.	$325 rates & fees
	The Platinum Card® from American Express	$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.	$695 rates & fees

Credit Card Bonus valued at $250 or $300

Credit Card		Bonus	Annual Fee
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$0 intro annual fee for the first year, then $95. rates & fees
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening	$0 rates & fees
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	$0 rates & fees
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$95

Credit Card Bonus valued at $200

Credit Card		Bonus	Annual Fee
	Citi Double Cash® Card	$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 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days	$0
	USAA Preferred Cash Rewards Credit Card	Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0

The post Citi Strata Premier Card Review – 60,000 Bonus Points and 3X Rewards appeared first on CardBenefit.

Overview

Costco Anywhere Visa^® Business Card by Citi, from our partner Citi, rewards small business owners who frequent Costco warehouses for business supplies. Cardholders can earn 2% cash back on purchases at Costco. In addition, cardholders can earn 3% back on travel and dining at restaurants, and up to 5% cash back rewards on gas purchases. The Costco Business credit card has no annual fee with your paid Costco membership. You can also enjoy no foreign transaction fees on purchases you make abroad.

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Costco Anywhere Visa^® Business Card by Citi

• Discover the only business credit card designed exclusively for Costco members
• Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
• 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Excellent

Card Benefits

How to Earn Rewards

With Costco Anywhere Visa Business Card by Citi, you can earn more cash back on many regular purchases than most other credit cards. You will earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 per year. You will earn 3% cash back on dining at restaurants, including cafes, bars, lounges and fast food restaurants. You will also earn 3% cash back on eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. For other purchases at Costco and Costco.com, you will earn 2% back. For all other purchases, you will earn 1% back.

For example, if you spend $7,000 on gas at Costco, $8,000 on dining out, $10,000 on travel, $15,000 on Costco purchases, and $10,000 on everything else in a year, you will receive $1,220 in cash rewards. You can use our cash rewards calculator to find out how much cash back you may receive.

How to Redeem Rewards

You will receive your annual cash rewards in the form of a credit card reward certificate once your February billing statement closes. The credit card reward certificate contains your Costco rewards balance based on your eligible purchases during the annual reward period of the prior year. The credit card reward certificates are redeemable through the end of the year at any U.S. Costco warehouse for merchandise or cash back. Any Costco cash rewards you have earned on purchases made by authorized users on your card account will be added to your Costco rewards total.

Additional Information

Fees

This credit card has no annual fee with your paid Costco membership. There are two tiers of membership, Gold Star and Gold Star Executive. The Gold Star has an annual membership fee of $60. The Gold Star Executive has an annual membership fee of $120 and it offers an additional 2% cash reward, up to $1,000 on your purchases at Costco. The 2% cash rewards of the Gold Star Executive can offset the $120 membership fee. For example, if you make an average of $500 monthly purchases at Costco, you will accrue $10 in cash rewards each month and $120 in annual cash rewards, which is enough to pay for the $120 membership fee by itself.

It has no foreign transaction fees, which will save you money when you travel abroad. Most other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. For example, if you use a credit card to pay $2,000 for purchases or for hotel stays in Canada, Asia, or Europe, you may end up with paying a bill of $2,060 after the 3% foreign-transaction surcharge is added to your bill. If you travel abroad, Costco Anywhere Visa Business Card by Citi can help you avoid the 3% surcharge on your purchases.

Required Credit Rating

The Costco Anywhere Visa Business Card by Citi is for people who have excellent credit scores. If you have an outstanding FICO score, you may qualify for the credit card.

Is this the right card for you?

Costco is a warehouse for family and small business to make purchases in bulk. If you like to use Costco for many of your business purchases, the Costco Anywhere Visa Business Card by Citi is a great small business credit card. Although it does not offer a sign-up bonus, it offers business owners up to 5% cash back on gas purchases, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco. In addition, the Costco Anywhere Visa Business Card by Citi has no annual fee with paid Costco membership and has no foreign transaction fees.

Similar Credit Cards

If you are interested in the Costco Anywhere Visa Business Card by Citi, you may also consider a few other credit cards with similar benefits.

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Citi Double Cash® Card	$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. 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees

Business Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0 rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0 rates & fees

The post Costco Anywhere Visa Business Card Review – Cash Rewards for Business Purchases appeared first on CardBenefit.

Overview

If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, issued by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. It allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. As of October 2024, it is running a special offer to give out 5% cash back on eligible travel purchases through 12/31/25. The card also features no annual fee and 0% introductory APR on balance transfers for the first 18 months.

Card Summary

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Citi Double Cash^® Card

• 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.
• 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Card Benefits

Special Offer: $200 Cash Back Bonus

Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

Cash Back: How Citi Double Cash Works

By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

In addition, Citi Double Cash Card is running a special travel offer to let you earn 5% cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.

Illustratively, if your annual card spending amounts to $30,000, including $6,000 in eligible travel purchases of 5% cash back, you will receive $780 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

0% Introductory APR

Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 18.24% - 28.24% (variable) applies.

Fees

Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

Required Credit Rating

Citi Double Cash Card is tailored for individuals with an excellent, good, or fair credit profile.

Bottom Line

To recap, here are the main pros and cons when considering Citi Double Cash Card:

Pros

Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

Acceptance: Citi Double Cash Card is a Mastercard, which is accepted at nearly every merchant that accepts credit cards, both in the US and internationally.

Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

Cons

Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

Is this the right card for you?

If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

Similar Rewards Credit Cards

If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

No-Annual-Fee Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back. Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0

0% APR Balance Transfer Credit Cards

Credit Card		0% APR	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 17.24% - 27.99% (variable) applies. (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0

The post Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases appeared first on CardBenefit.

Overview

Total Visa Card is designed to assist individuals with poor credit or limited credit history in building or rebuilding their credit profiles. Issued by The Bank of Missouri, this credit card serves as a tool for credit improvement, particularly for those with a history of bankruptcy.

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Total Visa^® Card

• An initial credit limit Up To $500! (See terms*)
• Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
• Checking account required.
• Free credit monitoring powered by TransUnion^®
• Fast and easy application process.
• All credit types welcome to apply.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

See Terms*

Credit Needed

Fair / Bad

Card Benefits

One notable feature of the Total Visa Card is its accessibility, catering to individuals with less-than-ideal credit scores. It offers them an opportunity to improve their credit profiles. In addition, as an unsecured credit card, the card does not require a security deposit to open an account. This makes the card more accessible to a broader range of individuals.

The Total Visa Card typically comes with a low initial credit limit. However, the credit limit has the potential to increase over time with responsible use and on-time payments.

The card issuer reports cardholder activity to major credit bureaus on a monthly basis. Consequently, it offers cardholders an opportunity to positively impact their credit scores through responsible credit usage.

Furthermore, Total Visa Card offers 1% cash back on purchases, which helps you earn a little rewards while building credit. As a VISA card, the Total Visa Card is widely accepted by merchants worldwide. And its online account management features provide convenience, allowing cardholders to make payments, check balances, and monitor transactions.

Fees

It’s important for cardholders to be aware of the associated fees, as the Total Visa Card comes a one-time program fee of $95.00. It also has an annual fee of $75.00 for the first year, and $48.00 thereafter.

Is Total Visa Card the right card for you?

For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Similar to the Total Visa Card, a few other credit cards offer similar benefits.

Credit Card		Credit Building	Annual Fee
	Prosper® Card	No security deposit required Initial credit limit up to $3,000 While you wait for your Prosper Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com	$59 (waived for the first year if you sign up for autopay before your first statement)
	Revenued Business Card	Approvals based on your business revenue and not personal credit	$0
	OpenSky® Plus Secured Visa® Credit Card	No credit check required - 89% approval rate with zero credit risk to apply! Earn up to 10% cash back on everyday purchases Boost your credit score fast-2 out of 3 OpenSky cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Start with as little as $300 - Secure your line with a refundable security deposit More time to fund-spread your security deposit over 60 days with layaway	$0
	Destiny Mastercard®	All the benefits of a Mastercard, without a security deposit Reports to all three major credit bureaus	see terms
	Merrick Bank Secured Credit Card	Choose your own credit line based on how much money you want to put down as a security deposit. Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000. After 9 months, we review your account for a credit line increase. No additional deposit required! Get your FICO Credit Score for free each month.	$36 for first year. billed $3 per month thereafter
	First Progress Platinum Select Mastercard® Secured Credit Card	Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.	$39
	First Progress Platinum Prestige Mastercard® Secured Credit Card	Earn 1% Cash Back Rewards with First Progress Prestige! Apply now and fund your security deposit over 90 days with the option to make partial payments. ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.	$49
	OpenSky® Secured Visa® Credit Card	Earn up to 10% cash back on everyday purchases No credit check required - 89% approval rate with zero credit risk to apply! Boost your credit score fast-2 out of 3 OpenSky cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Start with just $200-secure your credit line with a refundable deposit More time to fund-spread your security deposit over 60 days with layaway	$35
	Reflex® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus	$75 - $125
	Surge® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus	$75 - $125
	FIT™ Platinum Mastercard®	$400 Initial Credit Limit Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus	see terms

The post Total Visa® Card Review – Rebuild Credit with an Unsecured Card appeared first on CardBenefit.

Overview

Citi Rewards+^® Card, issued by our partner Citibank, stands out as a distinctive personal card that consolidates several appealing features. New card members receive a modest bonus of , redeemable for , and cardholders are rewarded for everyday purchases. Additionally, the card provides a 0% introductory APR on both purchases and balance transfers for a generous . Notably, these benefits are packaged without an annual fee. If you’re in search of a no-annual-fee credit card that allows you to earn commendable rewards on your routine expenses, is a favorable option to consider.

Card Benefits

Sign-up Bonus

If you spend at least $1,500 in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 20,000 ThankYou Points, which can be redeemed for $200 in cash rewards or gift cards at thankyou.com.

How to Earn Rewards

For a limited time, you will earn 5 ThankYou Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through December 31, 2025. And you will also earn 2 ThankYou Points for every dollar you spend at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter. For all other purchases, you will still earn 1 ThankYou Point for every dollar you spend.

For example, if you spend $6,000 on gas, $6,000 on groceries, $12,000 on everything else in a year, you will receive 36,000 ThankYou rewards points, redeemable for $360 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

Rounding up Rewards to the next 10 Points

Your rewards actually round up to the nearest 10 points on every purchase – with no cap. For example, you earn 10 points for a $2 purchase of coffee and earn 30 points for a $21 lunch. It means that in most circumstances, you will earn more rewards than the baseline rewards rates of 2 points per dollar for gas and groceries, and 1 point per dollar for everything else.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for $25. There are a wide variety of popular gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem the bonus points for a gift cards of your favorite retail store or restaurant.

Annual 10% Points Back

The lets you receive 10% points back for the first 100,000 ThankYou® Points that you redeem per year. For example, if you redeem 15,000 points for the year, you get 1,500 points back, which can be redeemed later.

Additional Information

Fees and 0% Intro APR

This credit card has no annual fee. You can keep the card without having to pay an annual fee. It also lets you enjoy 0% introductory APR on purchases and qualified balance transfers for 15 months. After the intro period ends, the go-to rate of applies. You can use it to carry a credit-card balance and pay no interest for an extended period of 15 months, as long as you make the monthly minimum payments.

Required Credit Rating

The is for people with good or excellent credit scores.

Is this the right card for you?

If you are looking to earn straightforward rewards with well-rounded benefits, the is one of the best credit cards for you. It offers a generous bonus of , redeemable for , and up to 5X rewards on purchases. It is the only credit card that automatically rounds up to the nearest 10 points on every purchase. It also lets you earn 10% bonus rewards points for the first 100,000 ThankYou Points you redeem per year. In addition, the has no annual fee.

Similar Credit Cards

If you are interested in the , you may also consider a few other credit cards with similar benefits.

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	$95 rates & fees

Gas Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

Grocery Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 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.	$0 intro annual fee for the first year, then $95. rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees

No Annual Fee Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$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. 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees

The post Citi Rewards+® Card Review – 20,000 Bonus Points and Big Rewards appeared first on CardBenefit.

Overview

If you would like to earn big rewards on business travel, Bank of America^® Business Advantage Travel Rewards World Mastercard^® is an ideal no-fee business travel card for you. It offers you an opportunity to earn 3 points for every dollar on travel purchases. In addition, if you’re a client of Preferred Rewards for Business, you may get up to a 75% rewards bonus on the base earn of every purchase, which means you may earn up to 2.62 points per dollar on all purchases. Plus, this credit card has no international transaction fees and no annual fee.

Learn More

Bank of America^® Business Advantage Travel Rewards World Mastercard^®

• Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
• Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America^® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No limit to the amount of points you can earn and points don't expire as long as your account remains open.
• No annual fee and no international transaction fees.
• Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America^® Travel Center, for cash back or gift cards.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases

Intro APR Period

9 billing cycles

Annual Fee

$0

Credit Needed

excellent

Card Benefits

Sign-up Bonus

New card members will receive a sign-up bonus of 30,000 bonus points after spending $3,000 in net purchases within the first 90 days of your account opening. It usually takes about 10 to 12 weeks after qualifying transactions for the 30,000-point bonus to post to your rewards balance. The 30,000 bonus points can be redeemed for a statement credit of $300 to pay towards travel purchases – it is equivalent to 25% rewards on your first $1,000 purchases.

Earn Rewards

You will earn unlimited 1.5 points for every dollar spent on all purchases everywhere, every time. Your points don’t expire. Plus, you can earn 3 points (consisting of 1.5 base points and 1.5 bonus points) for every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center, which is powered by the popular Expedia travel booking platform.

You can also increase your rewards bonus by up to 75% if you are a Bank of America Preferred Rewards for Business client. The Preferred Rewards for Business has three different tiers: Gold, Platinum, and Platinum Honors. To qualify for the Preferred Rewards for Business program, you need to maintain an active Bank of America business deposit account and/or Merrill business investment account. The following table shows the detailed information of qualification requirement and rewards on the Gold, Platinum, and Platinum Honors tiers.

How to Redeem Rewards

Your rewards points may be redeemed for travel, travel credits, gift cards and cash. When you redeem points for a travel credit, you will receive a statement credit to your account to offset qualifying travel purchases. A travel credit will be available to redeem for purchases from the Bank of America Travel Center or for qualifying travel purchases made in the following merchant categories:

• Airlines, Air Carriers (representing individual major airline carriers)
• Lodging-Hotels, Motels, Resorts (representing individual major hotel/motel chains)
• Car Rental Agencies (representing individual major agencies; and Automobile Rental Agencies)
• Cruise Lines; Travel Agencies and Tour Operators
• Taxicabs and Limousines
• Passenger Railways
• Transportation-Suburban and Local Commuter Passenger, including Ferries
• Bus Lines
• Transportation Services that are not elsewhere classified
• Real Estate Agents and Managers-Rentals
• Timeshares
• Campgrounds and Trailer Parks
• Motor Home and Recreational Vehicle Rental
• Tourist Attractions and Exhibits
• Art Dealers and Galleries
• Amusement Parks, Carnivals, Circuses, Fortune Tellers
• Aquariums, Dolphinariums, Zoos, and Seaquariums
• Boat Leases and Boat Rentals
• Recreation Services that are not elsewhere classified

A purchase qualifies for the Travel Credit if the merchant is assigned to the appropriate merchant category code (MCC).

Additional Travel Benefits

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® has no foreign transaction fees, which saves money for international travelers who may use the credit card abroad. Many other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. If you may travel abroad, it is always best to use a credit card with no international transaction fees so that you can avoid the potential 3% surcharge on your purchases.

Fees and Interest

This credit card has no annual fee. It also offers 0% introductory APR on purchases for 9 billing cycles, which allows you to make purchases now and pay off the balance later without incurring interest cost, as long as you make the minimum payment each month.

Required Credit Rating

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a prime credit card for people with excellent credit rating.

Apply for Business Card as an Individual

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a small business credit card. Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual.

Is this the right card for you?

If you make a lot of purchases and travel often often, you will find Bank of America^® Business Advantage Travel Rewards World Mastercard^® a great credit card to earn rewards. If you are eligible for the Preferred Rewards for Business, you may earn up to 2.62 points per dollar you spend on all purchases everywhere. You can also earn a bonus when you book travel through Bank of America Travel Center. Your rewards can add up quickly with this credit card. Plus, you don’t have to pay an annual fee or foreign transaction fees to keep the card.

Similar Credit Cards

If you are interested in the Bank of America^® Business Advantage Travel Rewards World Mastercard^®, you may also consider a few other small business or travel credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	$95 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases	$95 rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0 rates & fees
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees

The post Bank of America® Business Advantage Travel Rewards World Mastercard® Review – Big Rewards for Business Travelers appeared first on CardBenefit.

Overview

If you spend tens of thousands of dollars on gas, office supplies, dining, or gift cards every month, consider using the Bank of America^® Business Advantage Cash Rewards Mastercard^® for your purchases. It offers 3% cash back on purchases on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases. You can also earn $300 cash bonus.

Learn More

Bank of America^® Business Advantage Cash Rewards Mastercard^®

• Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
• Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
• You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
• You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
• No annual fee
• Choose how to redeem your cash rewards-as a deposit into your Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire as long as your account remains open.
• To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases

Intro APR Period

9 billing cycles

Annual Fee

$0

Credit Needed

excellent

Card Benefits

Sign-up bonus

New card members will receive a sign-up bonus of $300 cash in statement credit after spending $3,000 on purchases within the first 90 days. The $300 bonus cash is equivalent to 10% cash back on your first $3,000 purchases.

Cash Back Rewards

You will earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

If you are a client of Preferred Rewards for Business, you can get a 25% to 75% rewards bonus on the baseline rewards, which means you may earn up to 5.25% cash rewards on gas and office supplies, up to 3.5% cash rewards on eating out, and up to 1.75% cash rewards on other purchases. To qualify for the Preferred Rewards for Business, you need to have a Bank of America business checking account, and maintain a combined balance in qualifying business deposit accounts and/or qualifying Merrill business investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The following table shows the detailed information on the Gold, Platinum, and Platinum Honors tiers of Bank of America’s Preferred Rewards for Business program.

You can actually use this credit card to buy shopping gift cards at an office supply shop such as Staples, Office Depot, and earn 3% cash back, or up to 5.25% cash back if you qualify for Preferred Rewards for Business. For example, you can go to giftcardmall.officedepot.com or staples.com to buy many popular gift cards, such as the ones from eBay, Target, Home Depot, Lowe’s, Bed Bath & Beyond, Cabela’s, Disney, Groupon, Nordstrom, etc, and then use the gift cards at the retailer of your choice. In this way, you will earn more cash back because of the higher cash back for the gift cards purchased at office supply stores.

The cash rewards on purchases in combined choice category/dining is capped at your purchases of $50,000 each calendar year, which averages over $4,000 in purchases each month. If you are a big spender, you will be able to earn a lot more cash rewards with this credit card than with most other credit cards.

Fees and Interest

This credit card has no annual fee. It also offers 0% introductory APR on purchases, which allows you to make purchases now and pay off the balance later without incurring interest cost, as long as you make the minimum payment each month.

Required Credit Rating

The Bank of America^® Business Advantage Cash Rewards Mastercard^® is a prime credit card for people with excellent credit rating. If you have a credit score of 740 or more, you may qualify for the credit card.

Apply for Business Card as an Individual

The Bank of America^® Business Advantage Cash Rewards Mastercard^® is a small business credit card. Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual.

Is this the right card for you?

If you spend a lot on purchases each year, you will find Bank of America^® Business Advantage Cash Rewards Mastercard^® a great credit card to earn cash rewards. This card helps small business owners to earn more cash back for their purchases. If you qualify for the Bank of America Preferred Rewards for Business, you can enjoy up to 5.25% cash back rewards on purchases in one of your preferred business spending categories, 3.5% cash back on dining, 1.75% cash back on all other purchases.

Similar Credit Cards

If you are interested in the Bank of America^® Business Advantage Cash Rewards Mastercard^®, you may also consider a few other small business or cash back credit cards with similar benefits.

Small Business Credit Cards

Credit Card		Bonus, Rewards, 0% Interest	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 27.49% variable applies. (rates & fees)	$0
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases 0% on purchases for 12 months (rates & fees)	$0
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 27.49% variable applies. (rates & fees)	$0
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business 0% on purchases for 12 months (rates & fees)	$0
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases	$95 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* 0% on purchases for 6 months from date of account opening. After the intro period ends, the go-to rate of 18.49% - 29.24% variable applies. (rates & fees)	$375
	The Business Platinum Card® from American Express	Earn 150,000 Membership Rewards points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. 5X points on flights and prepaid hotels booked on AmexTravel.com 1.5X points (that's an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.	$695 rates & fees

Cash Back Credit Cards

Credit Card		Bonus, Rewards, 0% Interest	Annual Fee
	Citi Double Cash® Card	$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. 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.24% (variable) applies. (rates & fees)	$0
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. 0% on purchases and balance transfers for 15 months (rates & fees)	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.24% - 29.24% variable applies. (rates & fees)	$0
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 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. 0% on purchases for 12 months. After the intro period ends, the go-to rate of 20.24% - 29.24% variable applies. (rates & fees)	$0 intro annual fee for the first year, then $95.

Credit Card Bonus

Credit Card		Credit Card Bonus	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.	$95 rates & fees

The post Bank of America® Business Advantage Cash Rewards Mastercard® Review – $300 Bonus and 3% Back appeared first on CardBenefit.

If you are looking for a credit card that is more than just amassing points, you should consider Mastercard^® Gold Card™, a premium credit card with unmatched benefits and luxury perks. Plated with 24-karat gold, the Mastercard^® Gold Card™ is a very stylish metal credit card. It is a symbol of elite status. It comes with a steep annual fee, but it offers exclusive value that caters to successful business owners and professionals, such as 24/7 concierge services, rich rewards, and all-around exceptional benefits.

Card Benefits

Earn Rewards

You will earn rewards points on every purchase with your Mastercard^® Gold Card™ and your points can be redeemed for cash back worth 2% in value. You will earn one point for every one dollar spent. When you redeem points for cash back, you will receive $2 for each point. For example, if you spend $10,000 on purchases, you will earn 10,000 rewards points, redeemable for a $200 bank deposit or statement credit, which is a 2% return of the original $10,000 you spend. Cash back redemption starts at 50 points for $1. There is no limit to the total rewards points you can earn and your points do not expire as long as your account is active.

In addition to cash back redemption, you may opt to redeem points for travel, gift cards or merchandise. To redeem points for travel, such as airfare, hotel and car rentals, you may either book your travel plans online through Loyalty Edge on myluxurycard.com or call the Luxury Card Rewards at (844) 724-2500. You points can be redeemed for airfare worth 2% in value. For example, 10,000 points equates to $200 in airfare redemption. When redeeming for hotel and car rentals, your points are redeemed at a rate of 1%, for example, 10,000 points for $100. When redeeming for gift cards, redemption usually starts at 2,500 points for $25 gift cards, which is at a rate of 1%.

It is best to redeem rewards points for cash back direct deposit into a U.S. bank account or statement credit, because you receive the highest return in value. Although airfare redemption is at the same rate of 2% as cash redemption, cash rewards is always the most convenient and universal form of remuneration. For small business owners who spend thousands of dollars on purchases each month, this credit card can help racking up cash rewards quickly. For example, if you spend $20,000 per month, you will receive $400 cash back each month and $4,800 in cash rewards each year.

$200 Annual Airline Credit

You will receive statement credits of up to $200 each year when you use the card to pay for qualifying airline purchases, such as airfare, baggage fees, lounge access, and in-flight purchases (for example, drinks, refreshments and WIFI access). This is an annual benefit of $200 each calendar year (January 1st through December 31st). The transaction dates of eligible purchases will be used to determine the applicable calendar year. The travel credit will be automatically applied to your card statement. It may take up to two weeks for statement credits to be posted to your account after qualifying airline purchases are made.

$120 Global Entry Application Fee Credit

You will receive a statement credit of $120 when you use the card to pay for the application fee of Global Entry, a travel program administered by US Customs and Border Protection (CBP). Global Entry membership allows international travelers expedited entry upon arrival in the United States. Once approved, Global Entry members can use automated kiosks in most major U.S. airports, rather than having to go through the traditional arrival process. Global Entry membership also includes free access to the TSA Pre✓ program, which provides expedited security screening benefits for flights departing from U.S. airports. Please allow 2-3 weeks for the $120 credit to appear on your statement after you apply for Global Entry.

Global Entry can save travelers 20 to 30 minutes in most airports. Sometimes crowded lines at US customs or airport security check points may cause travelers to miss flights or connections. Global Entry membership helps travelers avoid unnecessary hassle of rescheduling flights in those stressful situations. Global Entry expires 5 years after your next birthday following the date you are approved for the membership. Depending on your approval date and date of birth, your Global Entry membership will be valid for at least 5 years, and sometimes it might be valid for almost 6 years after the approval.

Priority Pass Select Benefits

You will automatically receive a complimentary Priority Pass Select membership card within 7–14 business days after your Mastercard^® Gold Card™ is opened. Priority Pass Select is a prestigious membership program for travelers to visit airport VIP lounges to relax and enjoy free food, snacks, and WIFI while waiting for flights. The complimentary Priority Pass Select membership provided by Mastercard^® Gold Card™ allows you and your travel companions to enjoy unlimited visits to over 1,200 participating airport lounges worldwide. Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Your Priority Pass Select membership card will be automatically renewed annually if your account is in good standing.

Priority Pass sells three classes of memberships directly from its website, including Standard, Standard Plus, and Prestige. Among the three memberships, Priority Pass Prestige offers highest level of access, which grants members unlimited access to lounges and allows accompanying guests to visit lounges at a discounted fee of $32 per visit. Priority Pass Select is a fourth class of membership, specially designed for customers who receive their Priority Pass membership through premium travel credit cards. A Priority Pass Select membership with Mastercard^® Gold Card™ is more compelling than the Priority Pass Prestige membership, which costs $429 annually, because all your guests, including family members or friends on the same itinerary, can visit lounges for free. With the Mastercard^® Gold Card™, it is an instant savings of more than $429 in value annually.

Visit prioritypass.com for a complete list of participating lounges. The following is a list of select airports in the United States and Canada with VIP lounges participating in the Priority Pass Select network.

Major U.S. Airports with VIP Lounges Participating in the Priority Pass Select Program
Anchorage Airport (Alaska)	Atlanta Airport (Georgia )	Baltimore / Washington Airport (Maryland)	Boston Logan Airport (Massachusetts)	Charlotte Douglas Airport (North Carolina)
Chicago O’Hare Airport (Illinois)	Cincinnati Airport (Ohio)	Cleveland Hopkins Airport (Ohio)	Colorado Springs Airport (Colorado)	Dallas DFW Airport (Texas)
Denver Airport (Colorado)	Detroit Metropolitan Wayne County Airport (Michigan)	Fort Lauderdale Airport (Florida)	Greenville-Spartanburg Airport (South Carolina)	Honolulu Airport (Hawaii)
Houston George Bush Intercontinental Airport (Texas)	Indianapolis Airport (Indiana)	Las Vegas Airport (Nevada)	Lexington Blue Grass Airport (Kentucky)	Los Angeles LAX Airport (California)
Miami Airport (Florida)	Minneapolis / St. Paul Airport (Minnesota)	Newark Airport (New Jersey)	New York JFK Airport (New York)	Orlando Airport (Florida)
Orlando Sanford Airport (Florida)	Philadelphia Airport (Pennsylvania)	Pittsburgh Airport (Pennsylvania)	Portland Airport (Oregon)	San Francisco Airport (California)
San Jose Mineta Airport (California)	Seattle Sea-Tac Airport (Washington)	St Louis Lambert Airport (Missouri)	Syracuse Hancock Airport (New York)	Tampa Airport (Florida)
Tucson Airport (Arizona)	Washington DC Dulles International Airport (District of Columbia)	Washington DC Ronald Reagan National Airport (District of Columbia)

Major Airports in Canada with VIP Lounges Participating in the Priority Pass Select Program
Edmonton Airport (Alberta)	Montreal Pierre E. Trudeau Airport (Quebec)	Quebec Jean Lesage Airport (Quebec)	Toronto Lester B. Pearson Airport (Ontario)	Vancouver Airport (British Columbia)
Winnipeg J.A. Richardson Airport (Manitoba)	Calgary Airport (Alberta)

24/7 Luxury Card Concierge^®

Luxury Card Concierge transcends concierge services offered by other credit cards. Its comprehensive and complimentary resource is a one-of-a-kind benefit that offers immeasurable value to cardholders of Mastercard^® Gold Card™. It is available 24/7 and concierge agents can assist with any and all requests. Cardmembers can choose to communicate via phone, email or live mobile chat using Luxury Card App. Luxury Card Concierge is not limited to just making travel arrangements; concierge agents can get tickets to special events or concerts, conduct general research, book large groups, source specialty gifts and make international reservations. This service is free to use and there is no charge for booking, unlike the competition.

Here are some success stories of how cardholders used Luxury Card Concierge^®:

• Cardmember requested information on the type of shoes worn by Will Smith and Tommy Lee Jones in the Men in Black films. Within
  24 hours, Luxury Card Concierge provided the type of shoes and a listing of local retailers that carried them.
• A Cardmember, invited to Guy Fieri’s birthday party, did not have time to get a birthday gift before flying in the day of the party. The
  Concierge was able to arrange to have a limited-batch bottle of whisky from a local distillery delivered to the Cardmember’s hotel
  room just in time to bring to the party.
• The Concierge was able to arrange a private “meet & greet” after a game with Boston Bruins player Patrice Bergeron, the
  Cardmember’s all-time favorite player.
• A Cardmember wanted to propose to his girlfriend using the JumboTron in New York City’s Times Square. He called Luxury Card
  Concierge, who was able to accommodate his request within two hours.
• A Cardmember, his wife and their 3-year-old son were moving from Kansas City to Denver. Given that their son was going to start
  school in two years, the Cardmember asked the Concierge to research the best school districts in the city, which helped them narrow
  the search for a new home.
• A Luxury Card member was devastated when he left his cash and jewelry in a hotel while in Japan for business. The Concierge
  arranged for someone to go to the hotel, pick them up, and had the valuables securely sent to the Cardmember’s home.
• A Cardmember was standing in a theme park ticket line with five little girls and wanted a way to get into the park quicker than the
  anticipated 90 minutes. He called Luxury Card Concierge, who went online and purchased tickets for the group. The Cardmember then
  moved over to the Will Call line, which was much shorter, and was able to get into the park much more quickly.

Luxury Card Hotel & Travel Program

Available exclusively to cardholders, Luxury Card’s annual Hotel & Travel Program provides both inspiration and benefits based on where affluent tourists travel and stay. Luxury Card offers competitive rates and complimentary benefits with an average total value of $500 per stay at over 3,000 properties around the world. You can enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more when you book with Luxury Card Travel.

Patented Metal Card Design

Metal credit cards continue to grow in popularity, and the Mastercard^® Gold Card™ surpasses the competition. A stainless credit card plated with 24-karat gold, the Mastercard^® Gold Card™ has a unique design that is an inspiration of distinguished class.

Fees and Introductory APR

This credit card has no foreign transaction fees, making the Mastercard^® Gold Card™ perfect for those who travel outside of the United States. There is an annual fee of $995, which makes the card exclusive to own. But with the all the above benefits, it is an excellent high-end credit card for wealthy individuals who value services and time more than just points.

As an added bonus, new members pay zero interest on qualifying balance transfers for the first 15 billing cycles which is great if you plan on transferring a high-interest balance to the card. After the introductory period ends, the go-to rate of 20.24% to 28.24% Variable, based on your creditworthiness and other factors applies.

Required Credit Rating

The Mastercard^® Gold Card™ is for people with good or excellent credit rating. If your credit score is close to or above 700, you may be qualified for the credit card. Terms and conditions apply.

Is this the right card for you?

If you value services and like hassle-free travel benefits such as top-rated concierge services, airline credit and expedited airport access, exclusive access to airport lounges, no foreign transaction fees, the Mastercard^® Gold Card™ is the right card for you. It is one of the best travel credit cards with exclusive benefits available on the market. If you are a big spender and frequent travelers, its rich rewards and travel benefits will outweigh the cost of owning the card.

Similar Premium Credit Cards

If you are interested in the Mastercard^® Gold Card™, you may also consider a few other premium credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	$95 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 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.	$0 intro annual fee for the first year, then $95. rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0 rates & fees
	Citi Double Cash® Card	$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. 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases	$95 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0 rates & fees

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