Chase Sapphire Preferred^® Card: $937.50 Bonus + $50 Annual Hotel Credit

Chase is offering Chase Sapphire Preferred^® Card, which gives out a rich bonus of 75,000 points, redeemable for $937.50 in travel rewards at Chase Travel. In addition, it gives out $50 Annual Chase Travel Hotel Credit. You can also earn up to 5 points per dollar spent on travel, 3 points per dollar on dining and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

Apply Now

Chase Sapphire Preferred^® Card

• Earn 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
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel^℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Good to Excellent

Alternative Rewards Credit Cards

Many other credit cards are also offering rewards or cash back on everyday purchases. Some cards give out a rich bonus too. Here are a few credit cards that offer good rewards and bonus.

Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	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	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% cash back at U.S. supermarkets on up to $6,000 per year in 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
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% cash back at U.S. supermarkets, 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
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Chase Sapphire Reserve®	125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. 8x points on all purchases through Chase Travel, including The Edit and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases	$795 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

The post Best Rewards Credit Card of November 2025 appeared first on CardBenefit.

Overview

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

Apply Now

Citi Strata Premier^® Card

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

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

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

How to Earn Rewards

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

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

How to Redeem Rewards

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

$100 Annual Hotel Savings Benefit

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

Additional Information

Fees

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

Required Credit Rating

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

Is this the right card for you?

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

Similar Credit Cards with Bonus Rewards

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

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Citi Strata Elite℠ Card	For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.	$595 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.	$95 rates & fees
	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
	American Express® Gold Card	$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.	$325 rates & fees
	American Express Platinum Card®	More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.	$895 rates & fees
	Sapphire Reserve for Business℠	200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.	$795 rates & fees

Credit Card Bonus valued at $250 or $300

Credit Card		Bonus	Annual Fee
	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
	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
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	$0 rates & fees

Credit Card Bonus valued at $200

Credit Card		Bonus	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days	$0

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

Chase Sapphire Preferred^® Card: $937.50 Bonus + $50 Annual Hotel Credit

Chase is running a limited time offer of Chase Sapphire Preferred^® Card, which gives out a rich bonus of 75,000 points, redeemable for $937.50 in travel rewards at Chase Travel. In addition, it offers $50 Annual Chase Travel Hotel Credit. You can also earn up to 5 points per dollar spent on travel, 3 points per dollar on dining and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

Apply Now

Chase Sapphire Preferred^® Card

• Earn 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
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel^℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Good to Excellent

Other Credit Card Bonus valued at $200+

Many other credit cards are also offering a bonus of $200 or more. Here are the credit cards that give out good bonus.

Credit Card Bonus of $200+

Credit Card		Bonus	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.	$95 rates & fees
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$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
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$95

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For travelers, hotel nights may cost more than flights. You may need to pay hundreds of dollars per night to stay in expensive neighborhoods such as Manhattan New York. A few nights in upscale hotels on an extended travel adventure can easily rack up your expenses by thousands of dollars. Luckily, you can earn 10% back on your hotel accommodations if you use the right travel credit cards to book hotels. Citibank, our partner, is running an offer on its Citi Strata Premier^® Card to give cardholders an opportunity to earn 10% back on hotel, car rentals, and attractions.

How to Earn 10% Back Automatically

To earn 10% back, you need to sign up for Citi Strata Premier Card. When you use the credit card to book hotels, car rentals, and attractions, simply go to CitiTravel.com to make reservations. You will receive 10 ThankYou Points per dollar on your reservations. Your reward miles can be redeemed for cash rewards or statement credit.

Apply Now

Citi Strata Premier^® Card

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

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Conclusion

Taking 10% discount off expensive hotel nights on your trips does not require any special coupons. If you have the Citi Strata Premier Card, you can automatically save 10% on hotel reservations made at the Citi Travel portal. In addition, you can enjoy a generous sign-up bonus, unlimited rewards on all purchases, and the benefits of paying no foreign transaction fees on your purchases overseas.

Alternative Hotel Cards or Travel Credit Cards

Alternatively, you may use one of the following hotel cards or travel credit cards to save on hotel bookings.

Hotel Cards

Credit Card		Bonus and Rewards	Annual Fee
	Hilton Honors American Express Card	100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026. 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. 3X Points for all other eligible purchases on your Card.	$0 rates & fees
	Hilton Honors American Express Surpass® Card	155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026. 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.	$150 rates & fees
	IHG One Rewards Premier Credit Card	140,000 Bonus Points 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases	$99 rates & fees
	IHG One Rewards Traveler Credit Card	80,000 Bonus Points 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases	$0 rates & fees
	Marriott Bonvoy Bevy® American Express® Card	85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Up to 18.5X Marriott Bonvoy points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy American Express Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status.	$250 rates & fees
	IHG One Rewards Premier Business Credit Card	140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases	$99 rates & fees
	The Hilton Honors American Express Business Card	Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Offer Ends 1/14/2026. 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	Earn up to 125,000 Marriott Bonvoy Bonus Points. Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership. 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program.	$125 rates & fees

Travel Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Elite℠ Card	For a limited time, earn 100,000 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
	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
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Chase Sapphire Reserve®	125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. 8x points on all purchases through Chase Travel, including The Edit and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases	$795 rates & fees
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. 3X points on travel purchases - triple your points on tolls, rideshares, hotels, vacation rentals, flights and more. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$95
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

The post How to Earn 10% Back on Hotel Accommodations appeared first on CardBenefit.

Chase Sapphire Preferred^® Card: $937.50 Bonus + $50 Annual Hotel Credit

Chase is offering Chase Sapphire Preferred^® Card, which gives out a rich bonus of 75,000 points, redeemable for $937.50 in travel rewards at Chase Travel. In addition, it offers $50 Annual Chase Travel Hotel Credit. You can also earn up to 5 points per dollar spent on travel, 3 points per dollar on dining and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

Apply Now

Chase Sapphire Preferred^® Card

• Earn 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
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel^℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Good to Excellent

Other Rewards Credit Cards with Best Travel Rewards

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

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Elite℠ Card	For a limited time, earn 100,000 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	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 Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	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
	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
	Delta SkyMiles® Gold American Express Card	50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. When you use your Delta SkyMiles Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.	$0 introductory annual fee for the first year, then $150. rates & fees
	Chase Sapphire Reserve®	125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. 8x points on all purchases through Chase Travel, including The Edit and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases	$795 rates & fees

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Overview

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

Apply Now

Costco Anywhere Visa^® Business Card by Citi

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

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Excellent

Card Benefits

How to Earn Rewards

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

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

How to Redeem Rewards

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

Additional Information

Fees

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

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

Required Credit Rating

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

Is this the right card for you?

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

Similar Credit Cards

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

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% cash back at U.S. supermarkets, 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

Business Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees

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

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Card Issuer

Citibank

Network

Mastercard

Card Category

Bonus, Dining, Travel

Required Credit

Excellent, Good

Rate this card:  

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Citi Strata Premier^® Card

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

Intro APR

N/A

Intro APR Period

N/A

Regular APR

19.74% - 27.74% (Variable)

Annual Fee (rates & fees)

$95

Chase Sapphire Preferred^® Card

Prime Visa

United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Delta SkyMiles^® Gold Business American Express Card

IHG One Rewards Traveler Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

American Express Platinum Card^®

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

American Express^® Business Gold Card

The Blue Business^® Plus Credit Card from American Express

The Hilton Honors American Express Business Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

First Tech Odyssey Rewards™ World Elite Mastercard^®

Business Green Rewards Card from American Express

Sapphire Reserve for Business^℠

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Hilton Honors American Express Aspire Card

Marriott Bonvoy Brilliant^® American Express^® Card

Marriott Bonvoy Bevy^® American Express^® Card

Citi Strata Elite^℠ Card

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Overview

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

Card Summary

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, 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

Card Benefits

Special Offer: $200 Cash Back Bonus

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

Cash Back: How Citi Double Cash Works

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

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

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

0% Introductory APR

Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 17.74% - 27.74% (variable) applies.

Fees

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

Required Credit Rating

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

Bottom Line

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

Pros

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

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

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

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

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

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

Cons

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

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

Is this the right card for you?

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

Similar Rewards Credit Cards

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

No-Annual-Fee Rewards Credit Cards

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

0% APR Balance Transfer Credit Cards

Credit Card		0% APR	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 16.74% - 27.49% (variable) applies. (rates & fees)	$0

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

Citi Double Cash Card offers unlimited 2% cash back on every purchase, including all online purchases. In addition, new cardholders can also receive a $200 cash bonus.

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

3%+ Cash Back on Purchases

Blue Cash Everyday Card from Amex lets you earn 3% cash back on up to $6,000 online retail purchases annually.

Credit Card		Bonus and Rewards	Annual Fee
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% cash back at U.S. supermarkets, 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
	Prime Visa	Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members Unlimited 1% back on all other purchases	$0 rates & fees

Alternative Cash Back Credit Cards for Online Purchases

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

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

In January 2011, Discover Card introduced Discover More Card with a groundbreaking promotional balance transfer offer, providing new members with a remarkable 0% introductory APR on balance transfers for an astounding 24 months. This offer, initially available for over three months, set a historical record for the longest 0% balance transfer offer period. However, by late April 2011, the offer was modified to an 18-month 0% APR promotion. Despite subsequent developments in the credit card industry, the Discover More Card’s initial promotion still stands as a record holder for its extended 24-month period. While no other credit card has surpassed this record to date, several cards continue to offer appealing deals for individuals seeking to transfer high-interest balances.

How a Balance Transfer Works

Executing a balance transfer is a relatively straightforward procedure. When applying for a new credit card, you’ll need to furnish the account number and the sum you wish to transfer from your existing balance. Upon approval of your application, the new credit card issuer will initiate a payment to the other credit card company for the specified transferred amount. This process allows flexibility as you can choose to transfer the entirety or a portion of your balance. Moreover, it’s possible to consolidate balances from multiple cards in a single transfer. Opting for a card with a 0% APR on transfers means you won’t incur any interest charges on the transferred amount until the promotional period concludes.

When a Balance Transfer Makes Sense

Balance transfers can be a smart strategy to cut down on interest expenses, especially when dealing with a substantial balance carrying a high interest rate or if you’re unable to pay off your credit card in full each month. When contemplating a balance transfer, it’s crucial to assess various factors, such as the prevailing interest rate on your current card, the interest rate offered by the new card, annual fees associated with both cards, and the balance transfer fee.

Typically ranging from three to five percent of the transferred balance, balance transfer fees may have a cap once a certain limit is reached. For instance, transferring a $1,000 balance with a 3% transfer fee would incur a $30 cost to move the balance to another card. It’s important to note that even if the new card provides a 0% interest rate, the savings in interest might be partially offset by the transfer fee. Therefore, a comprehensive evaluation of these factors is essential to determine the overall financial benefit of a balance transfer.

Best 0% Balance Transfer Offers

As of the latest available information, the longest 0% balance transfer period currently offered is 21 months. Balance transfer credit cards with 0% APR introductory periods generally range between 12 and 21 months. Several cards are currently featuring top 0% balance transfer promotions along with additional attractive benefits.

0% Interest on Transfers for 21 Months

Credit Card		Bonus, 0% Introductory Interest	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 16.74% - 27.49% (variable) applies. (rates & fees)	$0

0% Interest on Transfers for 18 Months

Credit Card		Bonus, 0% Introductory Interest	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 17.74% - 27.74% (variable) applies. (rates & fees)	$0

0% Interest on Transfers for 15 Months

Credit Card		Bonus, 0% Introductory Interest	Annual Fee
	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% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.74% - 28.74% (variable) applies. (rates & fees)	$0
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening 0% on purchases and balance transfers for 15 months (rates & fees)	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.74% - 28.74% variable applies. (rates & fees)	$0
	TD Double Up℠ Credit Card	$100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening 0% on balance transfers for 15 months	$0

Conclusion

Discover set the bar for other credit card issuers with their 24-month 0% balance transfer promotion. While it remains to be seen if another card will do the same, you can still save on interest when you take advantage of the great 0% APR balance transfer deals that are are out there.

The post The Longest Period of 0% Intro Balance Transfer Offer appeared first on CardBenefit.