Grow your credit history with responsible use of credit and on-time payments! Citi Double Cash Card is an unsecured card with $200 bonus and 2% cash rewards. It is the best card for people with fair credit ratings to earn cash rewards while building credit.

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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

Alternative Credit Cards for Fair or Average Credit

If you have average credit and are interested in Citi Double Cash Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Upgrade Cash Rewards Visa®	$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.	$0
	Upgrade Triple Cash Rewards Visa®	$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.	$0

The post Best Credit Cards for People who have Limited or Fair Credit appeared first on CardBenefit.

No Annual Fee Credit Card to Build Credit

Both First Latitude Assent Mastercard^® Secured Credit Card and OpenSky^® Plus Secured Visa^® Credit Card offer cardholders to build credit without having to pay an annual fee. In addition, both card give you cash back on everyday purchases.

Apply Now

First Latitude Assent Mastercard^® Secured Credit Card

• Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
• 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!
• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• Designed to push you forward on your credit building journey with $0 Annual Fee.
• 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

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$0

Credit Needed

Poor / Limited / No

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 Credit Cards to Help Building Credit

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

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Destiny Mastercard®  Hide Benefits Show Benefits	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
First Latitude Elite Mastercard® Secured Credit Card  Hide Benefits Show Benefits	24.24% (V) APR	N/A	$29.00	Poor / Limited / NoApply NowView Card Details
Choose our First Latitude Elite Card for a lower annual APR! Apply now and fund your security deposit over 90 days with the option to make partial payments. Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. 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
OpenSky® Secured Visa® Credit Card  Hide Benefits Show Benefits	24.64% (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!
First Progress Platinum Select Mastercard® Secured Credit Card  Hide Benefits Show Benefits	18.24% (V) APR	N/A	$39	Poor / Limited / NoApply NowView Card Details
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! 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.
Total Visa® Card  Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	See Terms*	Fair / BadApply NowView Card Details
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

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

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First Latitude Elite Mastercard® Secured Credit Card

Apply Now

• Choose our First Latitude Elite Card for a lower annual APR!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.

• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• 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

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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 »

First Progress Platinum Select Mastercard® Secured Credit Card

Apply Now

• 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!

• 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.

Show More »

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.

• 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

Show More »

The post Best Credit-Building Cards of August 2025 appeared first on CardBenefit.

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 Card		0% Introductory Interest	Annual Fee
	Citi Strata℠ Card	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.24% - 29.24% (variable) applies. (rates & fees)	$0
	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 20.24% - 29.24% variable applies. (rates & fees)	$0
	Chase Freedom Unlimited®	0% on purchases and balance transfers for 15 months (rates & fees)	$0

0% Interest on Purchases for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Blue Cash Preferred® Card from American Express	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.
	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 17.49% - 27.49% variable applies. (rates & fees)	$0
	Ink Business Cash® Credit Card	0% on purchases for 12 months (rates & fees)	$0
	Ink Business Unlimited® Credit Card	0% on purchases for 12 months (rates & fees)	$0
	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
	The New United Gateway℠ Card	0% on purchases for 12 months (rates & fees)	$0

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

Best Secured Cards

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 Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
OpenSky® Secured Visa® Credit Card  Hide Benefits Show Benefits	24.64% (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  Hide Benefits Show Benefits	22.70% 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 Platinum Select Mastercard® Secured Credit Card  Hide Benefits Show Benefits	18.24% (V) APR	N/A	$39	Poor / Limited / NoApply NowView Card Details
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! 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.
First Progress Platinum Prestige Mastercard® Secured Credit Card  Hide Benefits Show Benefits	14.24% (V) APR	N/A	$49	Poor / Limited / NoApply NowView Card Details
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. You Can't Rebuild credit with a Debit Card. Try First Progress Today! ¹ 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.

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

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 Platinum Select Mastercard® Secured Credit Card

Apply Now

• 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!

• 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.

Show More »

First Progress Platinum Prestige Mastercard® Secured Credit Card

Apply Now

• 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.

• You Can't Rebuild credit with a Debit Card. Try First Progress Today! ¹
• 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.

Show More »

The post Best Secured Credit Cards of August 2025 appeared first on CardBenefit.

Many travel cards offer rich bonus miles or points, which can be redeemed for statement credit to pay off travel expenses such as airlines, hotels, car rentals, cruises, etc. In addition, with travel credit cards, you may enjoy perks such as free check bags, priority boarding, Global Entry, no foreign transaction fees, and more.

Recommendation of Travel Credit Cards

Here are some of the best credit cards for travelers.

Premium Travel Cards with a Bonus of $500 or More

Credit Card		Bonus, Rewards, Perks	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 No foreign transaction fees	$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

Credit Cards with 3% Rewards on Travel

Credit Card		Bonus, Rewards, Perks	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 No foreign transaction fees	$95 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 No foreign transaction fees	$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 No foreign transaction fees No foreign transaction fees	$0 rates & fees

Travel Credit Cards with No Annual Fee

Credit Card		Bonus, Rewards, Perks	Annual Fee
	The New United Gateway℠ Card	20,000 bonus miles 2x miles on United purchases 2x miles at gas stations, on local transit and commuting 1x mile on all other purchases	$0 rates & fees

The post Best Travel Credit Cards of 2023 appeared first on CardBenefit.

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 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
	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 Card		Bonus and Rewards	Annual Fee
	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
	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 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
	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 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
	Citi Strata℠ Card	For a limited time, earn 30,000 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 2024 appeared first on CardBenefit.

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

Here is a quick rundown of the top credit cards that offer $250 bonus cash after you spend $500 within the first few months.

$250 Bonus after $500 is Spent

Credit Card		Credit Card Bonus	Annual Fee
	Chase Freedom Unlimited®	Earn a $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 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
	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	For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.	$0 rates & fees

Chase Credit Cards

Credit Card		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 Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening	$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	$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	$0 rates & fees

American Express Credit Cards

Credit Card		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
	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
	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 Credit Cards

Credit Card		Credit Card Bonus	Annual Fee
	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

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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 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

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

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First Latitude Assent Mastercard^® Secured Credit Card

• Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
• 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!
• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• Designed to push you forward on your credit building journey with $0 Annual Fee.
• 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

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$0

Credit Needed

Poor / Limited / No

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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

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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

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

Apply Now

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!
• 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.

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$39

Credit Needed

Poor / Limited / No

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

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*

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

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.

Ink Business Unlimited Credit Card is running a limited time offer to give out a rich bonus of $750 cash. You can earn unlimited 1.5% cash rewards on every purchase. This business credit card has no annual fee.

Apply Now

Ink Business Unlimited^® Credit Card

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Intro APR

0% on Purchases

Intro APR Period

12 months

Annual Fee (rates & fees)

$0

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 Card		Bonus and Rewards	Annual Fee
	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 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 Premier® Credit Card	$1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. The only business credit card with 2.5% cash back on every purchase of $5,000 or more.	$195 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
	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
	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	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	Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. 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	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	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	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

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