Top credit card offers from our partners

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Cards for Fair Credit   Cards for Building/No Credit

If you’re looking for the best credit card offers for a variety of lifestyles, you’ve come to the right place! We’ve done the hard work of combing though the offers and the fine print to bring you the best offers from our partners whether you’re interested in travel rewards or cash back or something else entirely.

BEST OVERALL OFFERS

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 60,000 points, worth $750 in travel through the Ultimate Rewards portal, after spending $4,000 in the first 3 months

REWARDS RATE

Earn 5 points per $1 on travel booked through the Ultimate Rewards® portal; 3 points on dining (including eligible takeout and delivery), on select streaming services, on online grocery store purchases (excluding Target, Walmart and wholesale clubs); 2 points on travel; and 1 point per $1 on everything else

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

REWARDS RATE

Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back on all other purchases.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months. American Express is a CardRatings advertiser

REWARDS RATE

Earn 6% back on up to $6,000 spent at U.S. supermarkets annually and 6% back on select U.S. streaming services; unlimited 3% back at U.S. gas stations and on transit purchases, and 1% back on other eligible purchases.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.

REWARDS RATE

Earn unlimited two miles per $1 spent

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 20,000 bonus points when you spend $1,000 within the first 90 days of account opening.

REWARDS RATE

Earn 4 points per $1 on dining, takeout and food delivery; earn 2 points per $1 at grocery stores (including grocery delivery), gas stations, EV charging stations and on streaming services. Earn 1 point per $1 on other annual purchases.

APPLY

BEST CASH-BACK CARDS

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

REWARDS RATE

Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back on all other purchases.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

REWARDS RATE

Earn 6% back on up to $6,000 spent at U.S. supermarkets annually and 6% back on select U.S. streaming services; unlimited 3% back at U.S. gas stations and on transit purchases, and 1% back on everything else.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

REWARDS RATE

Earn 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent in each category per year, then 1%), and 1% back on other eligible purchases.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn $200 cash back after spending $500 in the first 3 months.

REWARDS RATE

Earn 5% back on up to $1,500 spent in categories that rotate quarterly (activation required); 5% cash back on travel purchased through Chase Ultimate Rewards®; 3% back at restaurants (takeout and delivery included); 3% back at drugstores; and 1% back on all other eligible purchases

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Information related to Chase Freedom FlexSM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

REWARDS RATE

Earn 2% cash back on every purchase in the form of 1% back when you buy and another 1% back when you pay. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

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Citi is a CardRatings advertiser.

See Rates and Fees

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn a one-time $200 cash-back bonus after spending $500 on purchases in the first 3 months.

REWARDS RATE

Earn 1.5% cash back on every purchase.

APPLY

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BEST TRAVEL REWARDS CARDS

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 60,000 points, worth $750 in travel through the Ultimate Rewards portal, after spending $4,000 in the first 3 months.

REWARDS RATE

Earn 5 points per $1 on travel booked through the Ultimate Rewards® portal; 3 points on dining (including eligible takeout and delivery), on select streaming services, on online grocery store purchases (excluding Target, Walmart and wholesale clubs); 2 points on travel; and 1 point per $1 on everything else

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.

REWARDS RATE

Earn unlimited two miles per every $1 spent.

APPLY

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 60,000 Membership Rewards® points after spending $6,000 on eligible purchases within the first 6 months.

REWARDS RATE

Earn 4x Membership Rewards® points at restaurants as well as at U.S. supermarkets (up to $25,000 spent each year, then 1x). Earn 3x points on flights booked directly with airlines or through amextravel.com.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 20,000 bonus points when you spend $1,000 within the first 90 days of account opening.

REWARDS RATE

Earn 4 points per $1 on dining, takeout and food delivery; earn 2 points per $1 at grocery stores (including grocery delivery), gas stations, EV charging stations and on streaming services. Earn 1 point per $1 on other annual purchases.

APPLY

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 60,000 points after spending $4,000 in the first 3 months. Plus, for a limited time, earn 10 points per $1 on hotels, car rentals and attractions (excluding air travel) booked via the Citi Travel℠ portal through June 30, 2024.

REWARDS RATE

Earn unlimited three points per $1 spent on restaurant, supermarket, gas station, hotel and air travel purchases. Earn one point per $1 on other purchases.

APPLY

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 80,000 Membership Rewards points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership.

REWARDS RATE

Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel (on the first $500,000 spent in a calendar year on airline purchases); 5X Membership Rewards® points on prepaid hotels booked on amextravel.com; and 1X points on other purchases

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BEST SMALL BUSINESS CARDS

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.

REWARDS RATE

Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.

REWARDS RATE

Earn an unlimited 1.5% cash back on every purchase.

APPLY

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. This is the highest signup bonus available among any of the Ultimate Rewards® cards.

REWARDS RATE

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

APPLY

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BEST BALANCE TRANSFER CREDIT CARDS

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

REWARDS RATE

Earn 2% cash back on every purchase in the form of 1% back when you buy and another 1% back when you pay. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

APPLY

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Citi is a CardRatings advertiser.

See Rates and Fees

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn 20,000 bonus points when you spend $1,000 within the first 90 days of account opening. Enjoy an intro 0% APR on purchases and balance transfer made within the first 60 days for 12 billig cycles (then, RegAPR)

REWARDS RATE

Earn 4 points per $1 on dining, takeout and food delivery; earn 2 points per $1 at grocery stores (including grocery delivery), gas stations and on streaming services. Earn 1 point per $1 on other annual purchases.

APPLY

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

There’s no traditional welcome offer; however, you can take advantage of an intro 21 months 0% interest on balance transfers (from date of first transfer and all transfers must be completed within the first 4 months. BalanceTransferFees) and 12 months no interest on purchases (then, RegAPR).

REWARDS RATE

No rewards offered

APPLY

BEST STUDENT CARDS

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Earn a $50 bonus after making your first purchase on your new card within the first three months.

REWARDS RATE

Earn 1% cash back on all your purchases. Earn $20 Good Standing Rewards after each account anniversary (for up to 5 years).

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

Receive one year of Amazon Prime Student after spending $500 on your card in the first 3 billing cycles ($59 value).

REWARDS RATE

Earn 1% cash back on all your purchases.

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BEST CARDS FOR FAIR CREDIT

CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

No traditional offer, but be considered for a higher credit limit after as little as six months.

REWARDS RATE

Earn 1.5% cash back on every purchase.

APPLY

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

No traditional offer, but extend your $200 credit line by getting considered for an unsecured credit line increase after six months, no additional deposit required.

REWARDS RATE

No rewards offered, but you can build your credit with responsible use.

APPLY

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CREDIT CARD

ANNUAL FEE

AnnualFees

WELCOME OFFER

No traditional offer, but be considered for a higher credit limit after as little as six months.

REWARDS RATE

No traditional rewards, but you can build better credit with responsible use.

APPLY

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BEST CARDS FOR BUILDING/REBUILDING CREDIT OR NO CREDIT

CREDIT CARD

ANNUAL FEE

AnnualFees

SECURITY DEPOSIT

Security deposit of at least $200 is required to establish your line of credit.

REWARDS RATE

No rewards offered, but you can build your credit with responsible use.

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CREDIT CARD

ANNUAL FEE

AnnualFees

SECURITY DEPOSIT

No traditional offer, but extend your $200 credit line by getting considered for an unsecured credit line increase after six months, no additional deposit required.

REWARDS RATE

No rewards offered, but you can build your credit with responsible use.

APPLY

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CREDIT CARD

ANNUAL FEE

AnnualFees

SECURITY DEPOSIT

No security deposit required

REWARDS RATE

Earn 2% – 10% back at select merchants

APPLY

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(Petal credit cards are issued by WebBank, Member FDIC; See Rates and Fees

CREDIT CARD

ANNUAL FEE

AnnualFees

SECURITY DEPOSIT

Security deposit of at least $200 is required to establish your line of credit.

REWARDS RATE

No rewards offered, but you can build your credit with responsible use.

APPLY

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CREDIT CARD

ANNUAL FEE

AnnualFees

SECURITY DEPOSIT

Establish an initial $200 line of credit with a $49, $99 or $200 initial security deposit depending on credit worthiness.

REWARDS RATE

No rewards offered, but you can build your credit with responsible use.

APPLY

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To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: CardName: See Rates and Fees; CardName: See Rates and Fees; CardName: See Rates and Fees; CardName: See Rates and Fees

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.