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New welcome offers from American Express:

Earn up to $300 bonus offers

Best Blue Cash Everyday Offer

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

  • Earn 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back
  • Earn a $100 statement credit after you spend $1,000 in purchases on your new Card within the first 6 months
Limited time offer

Blue Cash Preferred® Card from American Express

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Blue Cash Preferred® Card from American Express

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
    +
    $0 introductory annual fee for one year, then $95*.Offer expires 12/10/2020
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions.

Top Credit Card Offers From Our Partners November 2020

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on Discover's secure site

Rates & Fees

Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 82 Offer Ratings
Over the Past 60 Days!

(82) Over the Past 60 Days!
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on Discover's secure site

Rates & Fees

  • 0% Intro APR

    0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable.

  • Rewards

    Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. *

  • Cashback Match™

    Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 to $300.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 to $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • See Rates & Fees

See additional details for Discover it® Cash Back

Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.9/5.0 from 331 Offer Ratings
Over the Past 60 Days!

(331) Over the Past 60 Days!
  • Rewards Rate

    Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • Intro Balance Transfer APR

    0% for 18 months on Balance Transfers

  • Regular Purchase APR

    13.99% – 23.99% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi® Diamond Preferred® Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.5/5.0 from 183 Offer Ratings
Over the Past 60 Days!

(183) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 18 months on Purchases

  • Intro Balance Transfer APR

    0% for 18 months on Balance Transfers

  • Regular Purchase APR

    14.74% - 24.74% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

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on American Express's secure site

Rates & Fees

Terms Apply

American Express Cash Magnet® Card – $150 Welcome Offer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 43 Offer Ratings
Over the Past 60 Days!

(43) Over the Past 60 Days!
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

  • Welcome Bonus

    Earn up to $150 back

  • Rewards Rate

    Unlimited 1.5% Cash Back on your purchases

  • Cash Back Details

    Reward Dollars can be easily redeemed for statement credits, gift cards, and merchandise


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Apply Now

on U.S. Bank's secure site

Rates & Fees

U.S. Bank Altitude® Go Visa Signature® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 62 Offer Ratings
Over the Past 60 Days!

(62) Over the Past 60 Days!
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on U.S. Bank's secure site

Rates & Fees

Terms Apply

  • Sign Up Bonus

    Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

  • Rewards

    Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

  • Intro APR

    0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0*

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
  • See Rates & Fees
Apply Now

on Chase's secure site

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 67 Offer Ratings

(67)
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on Chase's secure site

  • Introductory APR

    0% Intro APR for 15 months on purchases

  • Sign-up Bonus

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Regular APR

    14.99% - 23.74% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

Blue Cash Everyday® Card from American Express

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

  • Welcome Offer

    Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months

  • Bonus Cash Back

    3% at U.S. supermarkets on up to $6,000 per year in purchases*

  • Rewards Rates

    2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Apply Now

on Discover's secure site

Rates & Fees

Discover it® chrome

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 18 Offer Ratings
Over the Past 60 Days!

(18) Over the Past 60 Days!
Apply Now

on Discover's secure site

Rates & Fees

  • Intro APR

    0% for 14 Months on purchases and balance transfers*

  • Rewards Rate

    Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • Ongoing APR

    11.99% - 22.99% Variable*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • See Rates & Fees

See additional details for Discover it® chrome

Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 49 Offer Ratings
Over the Past 60 Days!

(49) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 15 months

  • Sign Up Bonus

    Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

  • Regular Purchase APR

    13.49% - 23.49% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi Rewards+℠ Card

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on Chase's secure site

Chase Freedom Flex℠

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 105 Offer Ratings
Over the Past 60 Days!

(105) Over the Past 60 Days!
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on Chase's secure site

  • Sign-up Bonus

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Introductory APR

    0% Intro APR on Purchases for 15 months

  • Regular APR

    14.99% - 23.74% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

See additional details for Chase Freedom Flex℠

Apply Now

on Chase's secure site

Chase Sapphire Preferred® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 33 Offer Ratings
Over the Past 60 Days!

(33) Over the Past 60 Days!
Apply Now

on Chase's secure site

  • Bonus Rewards

    60,000 bonus points

  • Rewards Rate

    2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.

  • Bonus Perks

    Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $95

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.

See additional details for Chase Sapphire Preferred® Card

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on American Express's secure site

Rates & Fees

Terms Apply

Blue Cash Preferred® Card from American Express

 

Rated 3.8/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

  • Welcome Offer

    $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.*

  • Bonus Rewards

    6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.

  • Rewards Rates

    1% back on other purchases*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 introductory annual fee for one year, then $95

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020
  • Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Apply Now

on Discover's secure site

Rates & Fees

Discover it® Miles

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 26 Offer Ratings
Over the Past 60 Days!

(26) Over the Past 60 Days!
Apply Now

on Discover's secure site

Rates & Fees

  • Bonus Miles

    Discover will match all the Miles you've earned at the end of your first year.*

  • Rewards Rate

    1.5 Miles per $1 Spent*

  • 0% Intro APR

    0% intro for 14 months on purchases, then 11.99% - 22.99% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

See additional details for Discover it® Miles

Apply Now

on Capital One's secure site

Capital One Quicksilver Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 38 Offer Ratings
Over the Past 60 Days!

(38) Over the Past 60 Days!
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on Capital One's secure site

  • Rewards Rate

    Unlimited 1.5% Cash Back on every purchase, every day

  • Intro APR

    0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)

  • Cash Back Details

    No minimums for redeeming and cash back won't expire for the life of the account


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Apply Now

on Capital One's secure site

Capital One SavorOne Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
Apply Now

on Capital One's secure site

  • Rewards Rate

    3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases

  • Sign Up Bonus

    Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • Cash Back Details

    No minimums for redeeming and cash back won't expire for the life of the account


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any card issuer.

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