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 May 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.

Limited time offer

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:

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.

Welcome Offer:

Earn 100,000 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 25 percent 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 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC

See Rates & Fees

Last chance!

Best standalone rewards card

Chase Freedom Unlimited®

Apply now

on Chase's secure site

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

Bankrate Score

4.8

Rewards Rate:

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. 1.5% cash back on all other purchases.

Welcome Offer:

Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening

Regular APR:

18.99% - 28.49% Variable

Purchase Intro APR:

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR:

0% Intro APR on Balance Transfers for 15 months

Annual Fee:

$0
This is one of the few cash back cards to offer a boosted rewards rate on general purchases alongside bonus points in key spending categories like dining, making it an ultra-flexible option if you want to stick with a single rewards card.

Read our full Chase Freedom Unlimited review.
- Limited Time Intro Offer: Earn a $250 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.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC

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

NFC Technology. Man giving credit card to waiter using modern contactless system at the bar

Keep or close an account? It depends on your credit and how much it could affect your score.

woman at a restaurant paying with a credit card

The Citi Custom Cash offers an impressive rewards rate and great benefits for a no-annual-fee card.

Here’s how frequent hotel-goers can earn and redeem rewards with Marriott Bonvoy.

Here’s how I earned $1,701 in credit card rewards in 2022.

Credit card payment processing tends to pass in just a few days.

The HawaiianMiles program offers rewards, free flights and elite status perks.

Person looking at credit card and cellphone

Understand the pros and cons of buying gift cards with credit cards.

Here are some tips to determine whether a travel card is right for you.

Happy women on beach holiday shopping online

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

Before signing up for a 0 percent APR card, check out these little-known facts.

grandson using a digital tablet with his grandmother

Instant use cards can come in handy when you don’t want to wait for your new card to arrive in the mail.

woman arranging a mannequin in her clothing store window

This guide can help you decide if signing up for the Bank of America Business Customized Cash is worth it.

Woman at table holding credit card and typing on laptop

You can use a credit card to pay off student loans, but it’s not an easy process.

Cards that offer 0 percent intro APR can be excellent tools.

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

Find out what credit score you need for a 0 percent intro APR credit card.

father and son on computer in living room

The Citi Diamond Preferred has an intro balance transfer offer and no annual fee.

design image of two women looking at a laptop and with a pen and notepad

Create a debt repayment plan to get more out of your balance transfer card.

Discover balance transfers can be completed online, via mobile app and by phone.

close up of hands making contactless payment using phone

Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.

woman looking at credit card and typing on computer

Need a balance transfer? Is Discover it Cash Back or Citi Diamond Preferred best?

young woman looking at her credit card and working on her laptop

The Quicksilver vs. the Discover it Balance Transfer comes down to which card has the best rewards structure and intro APR offer.

woman using smartphone and credit card while sitting in cafe

Find out the pros and cons of a 0 percent intro APR credit card.

Man with glasses sitting at desk using laptop

Learn everything you need to do to apply for a credit card and increase your chances of approval.

Here’s how I earned $1,701 in credit card rewards in 2022.

Mom at home on computer with her young son

Retailers pay a commission to cash back sites as you make qualifying purchases.

The best card depends on your spending habits and personal preferences.

Portrait of a happy young woman using credit a card for online shopping at home

A 2 percent cash back card can be a strong addition to your wallet.

You can redeem card rewards for cash back, points or miles and gift cards.

two man setting groceries on kitchen counter

Whether or not you’re willing to pay an annual fee will be a big factor.

The Bank of America Unlimited Cash Rewards card offers both flat-rate cash back and an intro APR with no annual fee. Find out if the card is worth it.