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Best 20 cards
updated on 2/8/2012
(Best offers are at the top)
Abbreviations: BT - balance transfer; APR - annual percentage rate; N/A - not applicable See all 30 cards here
Reward annual estimate
or
rate5
Promo BT APRPromo period for BTs (months)Annual feePromo purchase APRPromo period for purchases (months)Promo BT feeMax. promo BT feeRegular purchase APR4Bank nameCard nameBonus6
Green links only
Reviews

Discussion
Card type
$400 No promo No promo $652 No promo No promo No promo No promo 15.24% - 19.24% variable American Express Starwood Preferred Guest® Credit Card from American Express $250 Regular
$369 No promo No promo $0 0% 6 No promo No promo 15.24% variable American Express TrueEarnings® Card from Costco and American Express $75 Regular
$325 No promo No promo $125 No promo No promo No promo No promo N/A American Express American Express® Gold Card $100 Regular
$257 0% 15 $0 0% 15 3% N/A 10.99% - 20.99% (V) Discover Discover® Motiva Card $25 Regular
$125 No promo No promo $450 No promo No promo No promo No promo N/A American Express The Platinum Card® from American Express $250 Business
Points
1 per $1
No promo No promo $952 No promo No promo No promo No promo 15.24% Variable Chase Chase Sapphire℠ Preferred Card $500 Regular
Points
1 per $1
No promo No promo $1252 No promo No promo No promo No promo 13.99% - 22.99% (Variable) Citibank Citi ThankYou℠ Premier Card - enough for $300 in Gift Cards $300 Regular
Miles
1 per $1
No promo No promo $95 No promo No promo No promo No promo 15.24% - 19.24% Variable American Express Gold Delta SkyMiles® Credit Card from American Express $300 Regular
Miles
1 per $1
No promo No promo $0 No promo No promo No promo No promo 14.24% Chase ALL-NEW United MileagePlus® Explorer Card $300 Regular
Points
1 per $1
No promo No promo $69 No promo No promo No promo No promo 15.24% Chase Southwest Airlines Rapid Rewards® Plus Credit Card - FREE FLIGHT $250 Regular
Points
1 per $1
No promo No promo $0 No promo No promo No promo No promo 12.99% - 22.99% (Variable) Citibank Citi ThankYou℠ Preferred Card - 25,000 points - $250 in gift cards $250 Regular
Points
1 per $1
No promo No promo $0 No promo No promo No promo No promo 15.24% Variable Chase Chase Sapphire℠ $250 Regular
Points
1 per $1
0% 6 $0 0% 6 3% N/A 13.24% Chase Ink℠ Classic Business - Up to 25,000 Bonus Points $250 Business
Points
1 per $1
No promo No promo $852 No promo No promo No promo No promo 15.24% Chase Marriott Rewards® Premier Credit Card $200 Regular
Cashback
10%
No promo No promo $0 No promo No promo No promo No promo 15.99% - 22.99% Chase Chase Freedom® MasterCard - $200 Bonus Cash Back $200 Regular
Cashback
10%
No promo No promo $0 No promo No promo No promo No promo 15.99% - 22.99% Variable Chase Chase Freedom® Visa - $200 Bonus Cash Back $200 Regular
No promo No promo $852 No promo No promo No promo No promo 15.24% Variable Citibank Citi® Platinum Select® / AAdvantage® World MasterCard® $182 Regular
Miles
1 per $1
No promo No promo $0 No promo No promo No promo No promo 14.24% Chase Continental Airlines OnePass® Plus Card $174 Regular
Points:
3 per $1 on airfare,
2 per $1 on gas, groceries,
1 per $1 for general purchases
No promo No promo $175 No promo No promo No promo No promo N/A American Express American Express(R) Premier Rewards Gold Card $150 Regular
Miles
1 per $1
0% 6 $0 0% 6 3% N/A 10.99% - 16.99% (V) Discover Miles by Discover® Card $125 Regular
Reward annual estimate
or
rate5
Promo BT APRPromo period for BTs (months)Annual feePromo purchase APRPromo period for purchases (months)Promo BT feeMax. promo BT feeRegular purchase APR4Bank nameCard nameBonus6
Green links only
Reviews

Discussion
Card type
1 - Balance transfer APR is valid only if the balance transfer is requested in credit card application
2 - First annual fee is waived
3 - We are not allowed to show you the maximal fee for balance transfers. However, we did take the fee into account when we sorted credit cards.
4 - Only the minimally possible APR is shown. Your rate will be determined by the bank based on your credit history, household income and other factors.
5 - Reward annual estimate is a predicted value of cashback or gift cards that are available via credit card reward programs or reward exchange sites like Points.com and that, for regular credit cards, an average US family with typical annual expenses of ~$50,000 may receive by paying for a half of them with a credit card during the first year of card ownership. For business and student credit cards, we used typical spending patterns of an US retail trade business with credit card payable annual expenses of ~$35,000 and an US student budget with typical credit card payable annual expenses of ~$25,000 , respectively. While we tried make reward calculations as accurate as possible, we provide absolutely no guarantees of prediction accuracy. We do not offer any rebates and can not guarantee that credit cards will pay you any rebates. Please be aware that credit card companies may change terms of their reward programs or even cancel them any time. Also, please note that we do not use rewards other than cashback or gift cards in our predictions even when other reward options are available. When reward earning options or/and reward redeeming options are not general enough or when information about a credit card reward program is not available to us, we display publicly available reward rate instead of annual reward value. Please click on the orange links to learn how we did predictions for a particular card.
6 - You MUST click on the bonus value (green font) to access a bonus-specific application page. Please note that credit card terms (APR, balance transfer fee, etc.) for a bonus offer may or may not be the same as those shown on this site. You can verify card terms on the "Terms and conditions" web page linked to the credit card application.


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