Capital One – CardBenefit https://www.cardbenefit.com Compare and Apply for Best Credit Cards at CardBenefit Tue, 30 Dec 2025 00:21:31 +0000 en-US hourly 1 Best Credit-Building Cards of February 2026 https://www.cardbenefit.com/best-credit-building-cards/ https://www.cardbenefit.com/best-credit-building-cards/#respond Sun, 01 Oct 2023 07:01:49 +0000 https://www.cardbenefit.com/?p=20445 If you have limited or no credit, you can apply for subprime credit cards to build your credit history. As long as you pay off your credit-card balance on time each month, your responsible payment records will be reported to three major credit bureaus – Equifax, Experian and TransUnion, and your credit rating will improve.

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]]> If you have limited or no credit, you can apply for subprime credit cards to build your credit history. As long as you pay off your credit-card balance on time each month, your responsible payment records will be reported to three major credit bureaus – Equifax, Experian and TransUnion, and your credit rating will improve.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Destiny Mastercard®

See terms

N/A

See terms

Poor To GoodApply NowView Card Details
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • No security deposit, and a path to better credit.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
  • An unsecured card great for everyday purchases
Total Visa® Card

35.99%* APR

rates & fees

N/A

See Terms*

Fair / BadApply NowView Card Details
Platinum Secured Mastercard®

12.75 to 18.00% Variable APR

12.75 to 18.00% Variable APR

$0

Poor / Limited / NoApply NowView Card Details
  • Score great rewards and build credit with a refundable security deposit
  • Earn 1 rewards point for every dollar spent on your everyday purchases. There's no maximum and your points never expire. Use your points for Travel, Merchandise, Gift cards and more
  • No annual fee, balance transfer, cash advance or foreign transaction fee
  • Rates from 12.75 to 18.00% APR, not to exceed 18.00%
Reflex® Platinum Mastercard®

35.90% Fixed APR

N/A

$75 - $125

Fair / Poor / Bad / LimitedApply NowView Card Details
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
First Latitude Assent Secured Mastercard®

27.49% (V) APR

N/A

$0

Poor / Limited / NoApply NowView Card Details
  • Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ - Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
  • Now offering cash back rewards on select purchases & payments!^^
  • 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!
  • Designed to push you forward on your credit building journey with $0 Annual Fee.¹
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
opensky® Plus Secured Visa® Credit Card

28.24% (Variable) APR

N/A

$0

No Credit, Poor, FairApply NowView Card Details
  • No annual fee - keep more money in your pocket!
  • 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
  • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 - Secure your line with a refundable security deposit
  • Fast and easy application-apply in minutes with our mobile-first experience
  • Flexible payment options-pick a due date that works for you
  • More time to fund-spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
First Latitude Elite Secured Mastercard®

23.49% (V) APR

N/A

$29.00

Poor / Limited / NoApply NowView Card Details
  • Invest Your Refund in Your Future - Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
  • Choose our First Latitude Elite Card for a lower annual APR!
  • Apply with no impact to your credit!*
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • No minimum credit score required for approval!
  • Secure your credit line with a refundable security deposit - as low as $200 to get started!
  • 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.
  • *See Important Disclosures for complete offer details
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
Destiny Mastercard®
Destiny Mastercard®
Apply Now
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • No security deposit, and a path to better credit.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
  • An unsecured card great for everyday purchases
Show More »
Total Visa® Card
Total Visa® Card
Apply Now
Rates & Fees
  • An initial credit limit Up To $500! (See terms*)
  • Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
Show More »
Platinum Secured Mastercard®
Platinum Secured Mastercard®
Apply Now
  • Score great rewards and build credit with a refundable security deposit
  • Earn 1 rewards point for every dollar spent on your everyday purchases. There's no maximum and your points never expire. Use your points for Travel, Merchandise, Gift cards and more
  • No annual fee, balance transfer, cash advance or foreign transaction fee
  • Rates from 12.75 to 18.00% APR, not to exceed 18.00%
Show More »
Reflex® Platinum Mastercard®
Reflex® Platinum Mastercard®
Apply Now
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Show More »
First Latitude Assent Secured Mastercard®
First Latitude Assent Secured Mastercard®
Apply Now
  • Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ - Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
  • Now offering cash back rewards on select purchases & payments!^^
  • 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!
  • Designed to push you forward on your credit building journey with $0 Annual Fee.¹
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
Show More »
opensky® Plus Secured Visa® Credit Card
opensky® Plus Secured Visa® Credit Card
Apply Now
  • No annual fee - keep more money in your pocket!
  • 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
  • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 - Secure your line with a refundable security deposit
  • Fast and easy application-apply in minutes with our mobile-first experience
  • Flexible payment options-pick a due date that works for you
  • More time to fund-spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
Show More »
First Latitude Elite Secured Mastercard®
First Latitude Elite Secured Mastercard®
Apply Now
  • Invest Your Refund in Your Future - Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
  • Choose our First Latitude Elite Card for a lower annual APR!
  • Apply with no impact to your credit!*
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • No minimum credit score required for approval!
  • Secure your credit line with a refundable security deposit - as low as $200 to get started!
  • 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.
  • *See Important Disclosures for complete offer details
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
Show More »

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]]> https://www.cardbenefit.com/best-credit-building-cards/feed/ 0 Buy Now and Pay Later with 0% APR Credit Cards https://www.cardbenefit.com/buy-now-and-pay-later-with-0-apr-credit-cards/ https://www.cardbenefit.com/buy-now-and-pay-later-with-0-apr-credit-cards/#respond Fri, 28 Apr 2023 20:40:24 +0000 https://www.cardbenefit.com/?p=20255 If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later. Credit cards with 0% intro APR allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees, as long as you make the minimum payments every month. Many credit cards offer 0% introductory APR on purchases for 12 months or more. If you are short of cash for an expensive purchase, you can open a new credit card with 0% intro APR to enjoy the buying power now. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a 0% APR credit card not only helps you afford the purchase, but also helps you save money by paying no interest for a long time.

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]]> Use 0% APR Credit Cards to Make Purchases Now and Pay Later

If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later. Credit cards with 0% intro APR allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees, as long as you make the minimum payments every month.

At this time, many credit cards offer 0% introductory APR on purchases for 12 months or more. If you are short of cash for an expensive purchase, you can open a new credit card with 0% intro APR to enjoy the buying power now. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a 0% APR credit card not only helps you afford the purchase, but also helps you save money by paying no interest for a long time.

Best 0% APR Credit Cards on Purchases

Choose from one of the following credit cards that offer 0% on purchases for at least 12 months. All these credit cards are for people who have good or excellent credit rating. If you have a credit score of 700 or above, you may qualify for these offers.

0% Interest on Purchases for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Citi Strata Card

Citi Strata℠ Card

0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies.
(rates & fees)		$0
Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies.
(rates & fees)		$0
Chase Freedom Unlimited

Chase Freedom Unlimited®

0% on purchases and balance transfers for 15 months
(rates & fees)		$0

0% Interest on Purchases for 12 Months

Credit Card0% Introductory InterestAnnual Fee
Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

0% on purchases for 12 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies.
(rates & fees)		$0 intro annual fee for the first year, then $95.
The American Express Blue Business Cash Card

The American Express Blue Business Cash™ Card

0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.74% - 26.74% variable applies.
(rates & fees)		$0
Citi Diamond Preferred Card

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 16.49% - 27.24% (variable) applies.
(rates & fees)		$0

The post Buy Now and Pay Later with 0% APR Credit Cards appeared first on CardBenefit.

]]> https://www.cardbenefit.com/buy-now-and-pay-later-with-0-apr-credit-cards/feed/ 0 Best Secured Credit Cards of February 2026 https://www.cardbenefit.com/best-secured-credit-cards/ https://www.cardbenefit.com/best-secured-credit-cards/#respond Sun, 01 Jan 2023 08:00:24 +0000 https://www.cardbenefit.com/?p=20444 Secured credit cards are great for people with no credit or damaged credit to rebuild their credit history. Since secured cards will report to three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores.

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]]> Secured credit cards are great for people with no credit or damaged credit to rebuild their credit history. Since secured cards will report to three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores.

Best Secured Cards

OpenSky Plus Secured Visa Credit Card
Apply Now
opensky® Plus Secured Visa® Credit Card
  • No annual fee - keep more money in your pocket!
  • 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
  • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 - Secure your line with a refundable security deposit
  • Fast and easy application-apply in minutes with our mobile-first experience
  • Flexible payment options-pick a due date that works for you
  • More time to fund-spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
Intro APR
N/A
Intro APR Period
N/A
Annual Fee
$0
Credit Needed
No credit, Poor, Fair

Alternative Secured Credit Cards

If you are interested in OpenSky Plus Secured Visa Credit Card, you may also consider a few other credit cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
opensky® Secured Visa® Credit Card

23.89% (Variable) APR

N/A

$35

No Credit, Poor, FairApply NowView Card Details
  • 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
  • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200-secure your credit line with a refundable deposit
  • Fast and easy application-apply in minutes with our mobile-first experience
  • Flexible payment options-pick a due date that works for you
  • More time to fund-spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
Merrick Bank Secured Credit Card

21.95% Variable APR

N/A

$36 for first year. Billed $3 per month thereafter

See Website For Details*Apply NowView Card Details
  • 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!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
First Progress Select Secured Mastercard®

17.49% (V) APR

N/A

$39

Poor / Limited / NoApply NowView Card Details
  • Put Your Tax Refund to Work - Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
  • Apply with no impact to your credit!*
  • 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!
  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • 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.
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details
First Progress Prestige Secured Mastercard®

13.49% (V) APR

N/A

$49

Poor / Limited / NoApply NowView Card Details
  • Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
  • Apply with no impact to your credit!*
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details
opensky® Secured Visa® Credit Card
opensky® Secured Visa® Credit Card
Apply Now
  • 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
  • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200-secure your credit line with a refundable deposit
  • Fast and easy application-apply in minutes with our mobile-first experience
  • Flexible payment options-pick a due date that works for you
  • More time to fund-spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
Show More »
Merrick Bank Secured Credit Card
Merrick Bank Secured Credit Card
Apply Now
  • 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!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Show More »
First Progress Select Secured Mastercard®
First Progress Select Secured Mastercard®
Apply Now
  • Put Your Tax Refund to Work - Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
  • Apply with no impact to your credit!*
  • 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!
  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • 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.
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details
Show More »
First Progress Prestige Secured Mastercard®
First Progress Prestige Secured Mastercard®
Apply Now
  • Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
  • Apply with no impact to your credit!*
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details
Show More »

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]]> https://www.cardbenefit.com/best-secured-credit-cards/feed/ 0 Best Cash Back Credit Cards of 2025 https://www.cardbenefit.com/best-cash-back-credit-cards-2025/ https://www.cardbenefit.com/best-cash-back-credit-cards-2025/#respond Thu, 27 Aug 2020 04:34:43 +0000 https://www.cardbenefit.com/?p=19558 Cash back credit cards let you earn cash rewards on everyday purchases at supermarkets, gas stations, restaurants, and department stores. Many cash back credit cards also offer a generous welcome bonus. Below you'll find the best cash back credit cards for consumers and small businesses.

Read More

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]]> Top Cash Back Credit Cards

Cash back credit cards let you earn cash rewards on everyday purchases at supermarkets, gas stations, restaurants, and department stores. Many cash back credit cards also offer a generous welcome bonus. Below you’ll find some of the best cash back credit cards for consumers and small businesses.

Best Personal Credit Cards with 2% or More Cash Back

Credit CardBonus and RewardsAnnual Fee
Citi Double Cash Card

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
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

    		6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.$0 intro annual fee for the first year, then $95.
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $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

    Blue Cash Everyday® Card from American Express

  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    		• $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    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

    Best Business Credit Cards with Cash Rewards

    Credit CardBonus and RewardsAnnual Fee
    The American Express Blue Business Cash Card

    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 the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
    		• $0
    rates & fees
    Costco Anywhere Visa Business Card by Citi

    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

    Credit Cards with Rewards Points that are Redeemable for Cash Back

    Some credit cards allow you to earn points, which can then be redeemed for cash rewards or statement credit. The following are a few credit cards that you can earn points and then redeem points for cash rewards.

    Rewards Credit Cards with the Option of Redeeming for Cash

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Elite Card

    Citi Strata Elite℠ Card

  • 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • 1.5 Points per $1 spent on All Other Purchases
    		• $595
    rates & fees
    Citi Strata Premier Card

    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
    Citi Strata Card

    Citi Strata℠ Card

  • 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
    		• $0
    rates & fees

    The post Best Cash Back Credit Cards of 2025 appeared first on CardBenefit.

    ]]>     https://www.cardbenefit.com/best-cash-back-credit-cards-2025/feed/ 0     Best Credit Cards for Earning Bonus Cash with Minimum Required Spending https://www.cardbenefit.com/best-credit-cards-earning-bonus-cash-minimum-required-spending/ https://www.cardbenefit.com/best-credit-cards-earning-bonus-cash-minimum-required-spending/#respond Sat, 28 Mar 2020 14:06:54 +0000 https://www.cardbenefit.com/?p=19602 Do you know that you only need to spend $1000 on a new credit card to get a bonus of $150? Yes, a few credit cards actually offer new card members a rich bonus of $150 after a minimal $1000 is spent on purchases within the first 3 months. This is a whopping 15% cash back on the first $1000 charged to your credit card. In addition, many of these credit cards also offer cash back on purchases, 0% introductory APR, and have no annual fee.

    Read More

    The post Best Credit Cards for Earning Bonus Cash with Minimum Required Spending appeared first on CardBenefit.

    ]]>     A few credit cards actually offer new card members a rich bonus of $200 after a minimal $500 is spent on purchases within the first 3 months. This is a whopping 40% cash back on the first $500 charged to your credit card. In addition, many of these credit cards also offer 2% cash back on purchases, 0% introductory APR, and have no annual fee.

    Credit Cards that Offer $200+ Bonus after $500 is Spent

    Here is a quick rundown of the top credit cards that offer $200 bonus cash after you spend $500 within the first few months.

    $200 Bonus after $500 is Spent

    Credit CardCredit Card BonusAnnual Fee
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

    		$200 Bonus after you spend $500 on purchases in your first 3 months from account opening$0
    rates & fees

    Similar Credit Cards that Offer $200+ Bonus after qualified spending

    You may also consider a few other credit cards with similar bonus rewards that let you earn $200 or more bonus after qualified spending of between $1,000 and $6,000.

    Citi Credit Cards

    Credit CardCredit Card BonusAnnual Fee
    Citi Strata Elite Card

    Citi Strata Elite℠ Card

    		75,000 bonus Points after spending $6,000 in the first 3 months of account opening.$595
    rates & fees
    Citi Strata Premier Card

    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
    Citi Double Cash Card

    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
    Citi Strata Card

    Citi Strata℠ Card

    		20,000 bonus Points after spending $1,000 in the first 3 months of account opening.$0
    rates & fees

    Chase Credit Cards

    Credit CardCredit Card BonusAnnual Fee
    Chase Sapphire Preferred Card

    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 Freedom Unlimited

    Chase Freedom Unlimited®

    		$200 Bonus after you spend $500 on purchases in your first 3 months from account opening$0
    rates & fees
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

    		125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.$795
    rates & fees
    Sapphire Reserve for Business

    Sapphire Reserve for Business℠

    		150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.$795
    rates & fees

    American Express Credit Cards

    Credit CardCredit Card BonusAnnual Fee
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

    		Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.$0
    rates & fees
    The American Express Blue Business Cash Card

    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

    The post Best Credit Cards for Earning Bonus Cash with Minimum Required Spending appeared first on CardBenefit.

    ]]>     https://www.cardbenefit.com/best-credit-cards-earning-bonus-cash-minimum-required-spending/feed/ 0     Best Travel Credit Cards for Seniors and Retirees https://www.cardbenefit.com/best-travel-credit-cards-seniors-retirees/ https://www.cardbenefit.com/best-travel-credit-cards-seniors-retirees/#respond Tue, 08 Oct 2019 09:20:40 +0000 https://www.cardbenefit.com/?p=19612 After decades in the workforce, retirees finally have freedom to choose how to spend their time. For most seniors, retirement is the ideal time to take on extended travel adventures, including international travel. Most consumer cards charge around 3% of purchase prices on foreign purchases. However, there are a few travel credit cards that waive foreign transaction fees. Just carry these credit cards and use them for purchases abroad, you will not incur the foreign transaction fees. In addition, some credit cards offer lucrative travel rewards or bonus.

    Read More

    The post Best Travel Credit Cards for Seniors and Retirees appeared first on CardBenefit.

    ]]>     After decades in the workforce, retirees finally have free time to pursue personal interests. They can develop hobbies, visit relatives or friends, travel for pleasure, or enjoy fun activities. For most seniors, retirement is the ideal time to take on extended travel adventures, such as international trips, which may have been challenging to do during their working years. Improved technology on travel planning, booking, and connecting on the go has helped easing travel experience for retirees.

    International travelers would inevitably learn that using credit cards for purchases abroad may incur foreign transaction fees, which is usually a surcharge of 3% on purchase prices. Such fees sting for everyone, especially for seniors who typically live on a fixed income. However, there are a few travel credit cards that waive foreign transaction fees. These credit cards are the best payment cards to use overseas. In addition, some credit cards offer lucrative travel rewards or bonus, such as 3% rewards, $500 travel bonus, extra travel credit to cover incidentals such as baggage fees, airport lounges, or expedited security screening, etc.

    Here is a quick rundown of the top travel credit cards for seniors and retirees.

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Elite CardCiti Strata Elite℠ Card
  • 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • 1.5 Points per $1 spent on All Other Purchases
    		• $595
    rates & fees
    Citi Strata Premier CardCiti 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 CardChase 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
    Citi Strata CardCiti Strata℠ Card
  • 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
    		• $0
    rates & fees
    Costco Anywhere Visa Card by CitiCostco 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

    The post Best Travel Credit Cards for Seniors and Retirees appeared first on CardBenefit.

    ]]>     https://www.cardbenefit.com/best-travel-credit-cards-seniors-retirees/feed/ 0     Best Credit Cards to Rebuild Credit History https://www.cardbenefit.com/best-credit-cards-to-rebuild-credit-history/ Fri, 23 Aug 2019 00:32:19 +0000 https://www.cardbenefit.com/?p=19991 Rebuild your credit history with the right cards! Capital One Secured Mastercard is a secured card with no annual fee. Fingerhut Credit is a credit account you can use for purchases at Fingerhut.com. You can use promo code JBB3 before 10/31/2019 to save $25 on your first Fingerhut order. Credit One Bank Platinum Visa for Rebuilding Credit lets you see if you pre-qualify and offers up to 1% cash rewards. These credit cards accept users who have poor credit history and help you build credit by reporting your responsible payment activities to 3 major credit bureaus.

    Read More

    The post Best Credit Cards to Rebuild Credit History appeared first on CardBenefit.

    ]]>     Rebuild your credit history with the right cards!

    First Latitude Assent Secured Mastercard
    Apply Now
    First Latitude Assent Secured Mastercard®
    • Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ - Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
    • Now offering cash back rewards on select purchases & payments!^^
    • 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!
    • Designed to push you forward on your credit building journey with $0 Annual Fee.¹
    • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
    • All credit types welcome to apply!
    • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
    • *See Important Disclosures for complete offer details
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $0
    Credit Needed
    Poor / Limited / No
    OpenSky Plus Secured Visa Credit Card
    Apply Now
    opensky® Plus Secured Visa® Credit Card
    • No annual fee - keep more money in your pocket!
    • 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
    • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
    • Start with as little as $300 - Secure your line with a refundable security deposit
    • Fast and easy application-apply in minutes with our mobile-first experience
    • Flexible payment options-pick a due date that works for you
    • More time to fund-spread your security deposit over 60 days with layaway
    • Join 1.6 million+ cardholders who have used opensky® to build better credit!
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $0
    Credit Needed
    No credit, Poor, Fair
    OpenSky Secured Visa Credit Card
    Apply Now
    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
    • Seamless payments-add your card to Apple Pay, Google Pay, and Samsung Pay
    • Start with just $200-secure your credit line with a refundable deposit
    • Fast and easy application-apply in minutes with our mobile-first experience
    • Flexible payment options-pick a due date that works for you
    • More time to fund-spread your security deposit over 60 days with layaway
    • Join 1.6 million+ cardholders who have used opensky® to build better credit!
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $35
    Credit Needed
    No credit, Poor, Fair
    Reflex Platinum Mastercard
    Apply Now
    Reflex® Platinum Mastercard®
    • Up to $1,000 Initial Credit Limit
    • See if you Pre-Qualify with No Impact to your Credit Score
    • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $75 - $125
    Credit Needed
    Fair / Poor / Bad / Limited
    First Progress Select Secured Mastercard
    Apply Now
    First Progress Select Secured Mastercard®
    • Put Your Tax Refund to Work - Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
    • Apply with no impact to your credit!*
    • 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!
    • Choose the First Progress Select Card for a lower annual fee!
    • All credit types welcome to apply!
    • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
    • 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.
    • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $39
    Credit Needed
    Poor / Limited / No
    Destiny Mastercard
    Apply Now
    Destiny Mastercard®
    • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    • No security deposit, and a path to better credit.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • Get the credit you deserve, even with less-than-perfect history.
    • An unsecured card great for everyday purchases
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    See terms
    Credit Needed
    Poor to Good
    Merrick Bank Secured Credit Card
    Apply Now
    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!
    • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
    • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
    • Get your FICO® Credit Score for free each month.
    • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
    • Card issued by Merrick Bank, Member FDIC.
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $36 for first year. Billed $3 per month thereafter
    Credit Needed
    See website for Details*
    FIT Platinum Mastercard
    Apply Now
    FIT™ Platinum Mastercard®
    • $400 Initial Credit Limit
    • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    See terms
    Credit Needed
    Fair / Poor / Bad
    Surge Platinum Mastercard
    Apply Now
    Surge® Platinum Mastercard®
    • Up to $1,000 Initial Credit Limit
    • See if you Pre-Qualify with No Impact to your Credit Score
    • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    Intro APR
    See website for Details*
    Intro APR Period
    See website for Details*
    Annual Fee
    $75 - $125
    Credit Needed
    See website for Details*

    Additional Credit Building Offers

    In addition to the above offers, more than 30 other cards can help you build credit too.

    >> Click here to see more credit cards that help you build credit <<

    The post Best Credit Cards to Rebuild Credit History appeared first on CardBenefit.

    ]]>         Best Small Business Credit Cards https://www.cardbenefit.com/best-small-business-credit-cards/ Thu, 22 Aug 2019 23:43:58 +0000 https://www.cardbenefit.com/?p=19987 Earn rich bonus and rewards on business purchases! Bank of America Business Advantage Cash Rewards offers $300 bonus, 3% cash rewards on purchases in one of spending categories of your choice, and 2% cash back on dining. Bank of America Business Advantage Travel Rewards offers $250 bonus in travel credit, 1.5 points per $1 spent on all purchases, and no foreign transaction fees.

    Read More

    The post Best Small Business Credit Cards appeared first on CardBenefit.

    ]]>     The American Express Blue Business Cash™ Card: $250 cash bonus + 2% Cash Back

    The American Express Blue Business Cash Card is offering a rich bonus of $250 cash after qualified spending. You can earn unlimited 2% cash rewards on up to $50,000 per calendar year. This business credit card has no annual fee.

    The American Express Blue Business Cash Card
    Apply Now
    The American Express Blue Business Cash™ Card
    • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    • Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
    • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
    • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
    • No Annual Fee
    Intro APR
    0% on Purchases
    Intro APR Period
    12 months from date of account opening
    Annual Fee (rates & fees)
    No annual fee
    Credit Needed
    Excellent, Good

    Other Business Credit Cards with Cash Back or Rewards

    Many other small business credit cards are also offering excellent rewards or cash back on purchases. Here are the business credit cards that give out rewards and bonus.

    Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    The Blue Business Plus Credit Card from American Express

    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
    Sapphire Reserve for Business

    Sapphire Reserve for Business℠

  • 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
  • 8x points on Chase Travel for airline tickets, hotels, including The Edit, car rentals, cruises, activities and tours.
    		• $795
    rates & fees
    Costco Anywhere Visa Business Card by Citi

    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
    American Express Business Gold Card

    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
    Delta SkyMiles Gold Business American Express Card

    Delta SkyMiles® Gold Business American Express Card

  • Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
  • 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • 1 Mile on every eligible dollar spent on other purchases.
    		• $0 introductory annual fee for the first year, then $150
    rates & fees
    The Hilton Honors American Express Business Card

    The Hilton Honors American Express Business Card

  • Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
  • 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
  • 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
    		• $195
    rates & fees
    Marriott Bonvoy Business American Express Card

    Marriott Bonvoy Business® American Express® Card

    		6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program.$125
    rates & fees
    The Business Platinum Card from American Express

    The Business Platinum Card® from American Express

  • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel using the Business Platinum Card. The Hotel Collection requires a minimum two-night stay.
  • 5X points on flights and prepaid hotels on AmexTravel.com
    		• $895
    rates & fees

    The post Best Small Business Credit Cards appeared first on CardBenefit.

    ]]>         Best Cash Back Credit Cards for Good Credit https://www.cardbenefit.com/best-cash-back-credit-cards-for-good-credit/ Thu, 22 Aug 2019 21:26:15 +0000 https://www.cardbenefit.com/?p=19981 Cash back credit cards let you earn cash rewards on everyday purchases, such as purchases of gas, online shopping, dining, travel, home improvement, entertainment, or drugs. Check out the best credit cards of up to 5.25% cash rewards from Bank of America, Capital One, HSBC.

    Read More

    The post Best Cash Back Credit Cards for Good Credit appeared first on CardBenefit.

    ]]>     Benefits of Cash Back Credit Cards for Good Credit

    Cash back credit cards offer several benefits for individuals. One of the primary advantages is the ability to earn a percentage of your spending back as cash rewards. This can accumulate over time, providing savings on everyday purchases.

    Individuals with good credit scores may qualify for cash back credit cards with higher reward rates. These cards typically offer more substantial cash back percentages on certain categories or overall spending. Many cash back credit cards also come with introductory bonuses for new cardholders, providing a significant boost to cash back earnings during the initial months of card ownership. Overall, cash back credit cards provide increased financial flexibility by offsetting costs or allowing you to allocate the savings to other areas of your budget.

    Cash Back Credit Cards for People who have Good Credit

    Chase Cash Back Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $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

    Citi Cash Back Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Citi Double Cash Card

    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
    Costco Anywhere Visa Card by Citi

    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

    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

    American Express Cash Back Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    		• $0
    rates & fees
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

    		6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.$0 intro annual fee for the first year, then $95.
    rates & fees
    The American Express Blue Business Cash Card

    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 the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
    		• $0
    rates & fees

    If you are looking for alternative cash rewards options, click here to check out more cash back credit cards.

    The post Best Cash Back Credit Cards for Good Credit appeared first on CardBenefit.

    ]]>         Earn Credit Card Bonus https://www.cardbenefit.com/earn-credit-card-bonus/ Thu, 18 Jul 2019 08:57:46 +0000 http://www.cardbenefit.com/?p=1357 Many credit cards give out large rewards. Some cards let you earn a bonus cash back of a few hundred dollars after qualified spending. Some credit cards reward you a bonus of thousands of miles or points that can be redeemed for a few hundred dollars.

    Read More

    The post Earn Credit Card Bonus appeared first on CardBenefit.

    ]]>     Best Credit Card Bonus

    Many credit cards give out large credit card bonus. Some cards let you earn a bonus cash back or miles/points valued at a few hundred dollars after qualified spending.

    Here are a few credit cards that reward you bonus after qualified spending.

    Best Credit Card Bonus

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Elite Card

    Citi Strata Elite℠ Card

  • 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • 1.5 Points per $1 spent on All Other Purchases
    		• $595
    rates & fees
    Citi Strata Premier Card

    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

    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

    Blue Cash Preferred® Card from American Express

    		6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.$0 intro annual fee for the first year, then $95.
    rates & fees
    Citi Double Cash Card

    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

    Chase Freedom Unlimited®

  • $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

    Blue Cash Everyday® Card from American Express

  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    		• $0
    rates & fees
    The American Express Blue Business Cash Card

    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 the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
    		• $0
    rates & fees

    The post Earn Credit Card Bonus appeared first on CardBenefit.

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