How we rate our cards Advertiser Disclosure

Credit Cards

Compare top offers by category. Read our expert reviews and recommendations. Feel confident when you apply.

Explore more

Rewards Business Travel Student No annual fee

Bankrate's promoted cards from our partners for July 2025

Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site. Terms Apply.

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Apply now

on Chase's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.9

Rewards Rate:

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Welcome Offer:

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Regular APR:

19.99% - 28.24% Variable

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
This card’s points are worth more when you redeem for travel through Chase Travel℠ and you can transfer rewards to a long list of popular airline and hotel transfer partners, making it a great pick if you’re looking for an ultra-flexible, low-cost travel card.

Read our full Chase Sapphire Preferred review.
- 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

See Rates & Fees

Best for sign-up bonus

Capital One Venture Rewards Credit Card

Apply now

on Capital One's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

5.0

Rewards Rate:

5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

Welcome Offer:

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening

Regular APR:

19.99% - 29.24% (Variable)

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
“This card consistently delivers enough points for an award flight or two each year just from non-bonus purchases. It’s among the best entry-level cards for most folks.” – Harlan Vaughn, Bankrate credit cards senior editor

Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card

Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase Sapphire Preferred points are worth around 2.0 cents on average through the right transfer partner (based on Bankrate's estimated valuations) and offer more unique transfer partners than Capital One.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs

See Rates & Fees

Best for large welcome offer

Ink Business Unlimited® Credit Card

Apply now

on Chase's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.2

Rewards Rate:

Earn unlimited 1.5% cash back on every purchase made for your business.

Welcome Offer:

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Regular APR:

17.49% - 23.49% Variable

Purchase Intro APR:

0% Intro APR on Purchases for 12 Months

Balance Transfer Intro APR:

N/A

Annual Fee:

$0
This is one of the most flexible cards for startups, side hustles and small businesses thanks to its unlimited flat rewards rate, which makes it easy to earn rewards even if your spending categories vary widely. Ultimate Rewards points also carry terrific redemption value for both cash back and travel.

Read our full Ink Business Unlmited review.
- 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

See Rates & Fees

Tools & Reviews

5.0

Bankrate Score

Read review

4.7

Bankrate Score

Read review

All credit card reviews

Credit cards compare tool

Credit card payoff calculator

Balance transfer calculator

Credit utilization calculator

We asked the Bankrate experts: What is your favorite piece of credit card advice?

Seychelle Thomas

Writer, Credit Cards

Katie Kelton

Senior Writer, Credit Cards

Ana Staples

Lead Writer, Credit Cards

Ted Rossman

Senior Industry Analyst, Credit Cards

"I know it’s a hassle, but reading the fine print is underrated. Know what fees, APRs and benefits you’re signing up for. You might uncover extra value from features that aren’t advertised or discover some nasty fees to avoid. When you know what the terms are, it’s easier to get the most from your cards and avoid pitfalls."

"Credit card rewards, welcome bonuses and added perks — like travel insurance or savings on certain brands — are essentially free money. By swiping a card for everyday purchases, you can earn rewards toward your next trip or cash in your wallet. Pay your balance on time and in full to avoid interest fees and credit dings."

"I think the best habit is to treat your credit card like a debit card. Don’t spend more money than you can easily pull from your checking account. If you can’t pay off a purchase within a couple of weeks, you can’t afford it. This practice can help you avoid credit card debt — and expensive interest charges."

"There’s a saying that credit cards are like power tools. As in, really useful or dangerous. It’s all about how you use them. Half of cardholders pay in full every month and benefit from rewards and buyer protections. The other half can get trapped in an expensive debt cycle. Pay in full and get credit cards working for you."

Featured by names you know and trust

The latest

Both of these services offer very similar benefits and features, but which is better for you?

A credit card with a crossed-out sign saying "returned"

Returned card payments can bring on a variety of fees and may harm your credit.

If you’re trying to decide on a Capital One business card, here are two of the best options.

woman traveling with suitcase in new york city

Picking the right travel credit card is important. Learn why the Southwest Rapid Rewards Plus or the Chase Sapphire Preferred could be the right card for you.

couple shopping online with a credit card

See how the Citi Simplicity and the U.S. Bank Visa Platinum compare to each other.

woman using credit card while working on computer

Is the BankAmericard® credit card or the Wells Fargo Reflect® Card right for you?

Image of Amazon packages stacked up on a sunny front porch.

I’m skipping Prime Day because it can lead to overconsumption and credit card debt.

Make the most out of your Citi Rewards+ using this benefits guide.

a person making a contactless payment at an outdoor bar

Check out the major advantages this credit card has to offer.

design image of an African American woman in wheelchair talking on phone at home

Call your card issuer if you want a lower interest rate, and be ready to negotiate.

Couple listening to financial advisor at home with laptop

Here’s how to maximize the benefits of a 0% intro APR credit card.

Multiracial woman having home office in kitchen, writing notes.

You can use Citi Flex Loans to borrow from your eligible credit card’s limit and repay at a fixed rate over time. But is this the right choice for you?

Happy women on beach holiday shopping online

These 5 travel cards come with a 0 percent intro APR.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

woman using a credit card to shop online

A new credit card, timed right and used strategically, can help you fight high prices.

See how the Citi Simplicity and the U.S. Bank Visa Platinum compare to each other.

The Citi Simplicity Card has a long intro balance transfer offer, among other perks.

Check out the major advantages this credit card has to offer.

a young man at home holding a credit card and using a computer

Here’s what you need to do if your credit card APR increases.

Young woman with credit card on smartphone

Both cards are extremely similar and only differ in fees, benefits and ongoing rates.

The Upgrade Cash Rewards Elite Visa combines features of a personal loan and traditional credit card — and also offers rewards on purchases.

citi-double-cash-vs-citi-diamond-preferred

The Citi Diamond Preferred and Citi Double Cash are for different types of people.

older person holding a card and on a computer

Compare different card offers and understand how a balance transfer works.

Man sits in front of laptop holding credit card and smiling

Here are some realistic changes I’d love to see from credit card issuers this year.

A businessman is paying with credit card at the hotel reception

If you spend a lot, make your spending work for you with a card that earns rewards.

Middle-aged woman uses her phone while holding her credit card at home

The Citi Double Cash Card has an outstanding intro APR balance transfer offer.

Young gay couple unpacks groceries in their kitchen together

Pairing your credit card with the Upside app can help you save more than you think.

1.5 percent may provide more value once you unpack the entire rewards structure.

Person paying with Blue Cash Preferred card

The Amex Blue Cash Preferred offers an exceptional earning rate on groceries, gas and transit.

man paying bills online with a credit card

Although you can use your credit card for tax payments, it isn’t usually a good idea.

Learn why the Chase Freedom Unlimited is an ideal first credit card.

Young black man smiling while paying with a credit card at a coffee shop

In most cases, your credit needs to fall in the “good” to “excellent” range.

Family leisure. Couple enjoys staying together in a hotel

Receive up to 40% bonus points by taking advantage of limited-time transfer bonuses.

A man buying fresh vegetables while shopping at a supermarket.

Read our picks for best credit cards for wholesale clubs.

A shield standing in front of a credit card

Some credit cards offer purchase protection. Here are some of the best options.

Find out how this card’s offer works and how you can use it.

Credit card combos can be powerful rewards earners. Here’s are some of the best ones.

Close-up of a woman paying using credit card in a beautician clinic

Luxury credit cards are no longer as mysterious as they once were.

design element including some graphic drawn hands holding a cellphone and a card with a graphic number 5 to the left hand side

You can earn more credit card rewards from these simple strategies.

Credit Cards

Card Type

Card Issuer

Credit Type

Bankrate's promoted cards from our partners for July 2025

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Features

Bankrate's View

Card Details

Best for sign-up bonus

Capital One Venture Rewards Credit Card

Features

Bankrate's View

Card Details

Best for large welcome offer

Ink Business Unlimited® Credit Card

Features

Bankrate's View

Card Details

Tools & Reviews

We asked the Bankrate experts: What is your favorite piece of credit card advice?

The latest