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Most Underrated Cards

Citi Strata Premier® Card
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4.6

Bankrate score

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on Citi's secure site

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Intro offer

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Earn 60,000 bonus ThankYou® Points

Recommended credit score

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670 - 850

Regular APR

19.74% - 27.74% (Variable)

Annual fee

$95

Rewards rate

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1X - 10X

Monkey Miles' take:

My #1 most underrated card for earning points on groceries, dining, and gas

Citi Double Cash® Card
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4.2

Bankrate score

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on Citi's secure site

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Intro offer

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$200 cash back

Recommended credit score

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670 - 850

Regular APR

17.74% - 27.74% (Variable)

Annual fee

$0

Rewards rate

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2% - 5%

Monkey Miles' take:

My most recommended cashback card especially for beginners

Limited time offer
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Citi Strata Elite℠ Card
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4.4

Bankrate score

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on Citi's secure site

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Intro offer

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Earn 100,000 bonus Points

Recommended credit score

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670 - 850

Regular APR

20.74% - 28.74% (Variable)

Annual fee

$595

Rewards rate

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1.5X - 12X

Monkey Miles' take:

If you're looking for more premium benefits but maintain the ability to transfer to partners including American Airlines this is worth a look

The Blue Business® Plus Credit Card from American Express

Bankrate score

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4.1
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Bankrate review
Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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15,000 Membership Rewards® points

Rewards Rate

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2X

Annual fee

No annual fee

Regular APR

16.99% - 26.99% Variable

Monkey Miles' take:

The most underrated no annual fee card for businesses to earn transferrable points. I have one for two of my businesses!

Limited time offer

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Capital One Savor Cash Rewards Credit Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:670 - 850
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on Capital One's secure site

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Intro offer

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Earn $300 in welcome bonuses

Rewards Rate

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1% - 8%

Annual fee

$0

Regular APR

18.99% - 28.99% (Variable)

Monkey Miles' take:

The most underrated no annual fee card for dining and groceries

Capital One Venture Rewards Credit Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:670 - 850
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on Capital One's secure site

See Rates & Fees

Intro offer

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Earn 75,000 miles

Rewards Rate

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2X miles - 5X miles

Annual fee

$95

Regular APR

19.99% - 28.99% (Variable)

Monkey Miles' take:

This is a great card for everyday spend for those who don't want to pay a high annual fee.

Capital One Venture X Rewards Credit Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:740 - 850
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Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

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Earn 75,000 miles

Rewards Rate

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2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 28.99% (Variable)

Monkey Miles' take:

The best super premium card for "most people" who want lounge access and to transfer their miles to partners.