Rated 4.5/5 stars by our editorial team
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3.8/5.0 from 60 Offer Ratings
Over the Past 60 Days!
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Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
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Intro APR
0% for 15 Months on Purchases and Balance Transfers
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Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- One-time $150 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; 16.24%-26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
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Rewards Rate
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
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Rates & Fees
No Annual Fee & a Low Regular APR
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Cash Back Details
No rotating categories and no caps on cash back
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Typical Credit Needed
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Annual Fee
$0*
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Card Brand
Mastercard®
Highlights
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- No categories to track, no caps on cash back, no annual fee*
See additional details for Citi® Double Cash Card – 18 month BT offer
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Bonus Miles
We'll match all the Miles you've earned at the end of your first year.*
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Rewards Rate
1.5 Miles per $1 Spent*
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Redeeming is Easy
Redeem your Miles as a statement credit towards travel purchases*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
- Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
- No Blackout Dates - fly any airline, stay at any hotel.
- Redeem your Miles as a statement credit towards travel purchases.
- 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.
- Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
- No Annual Fee.
- See Rates & Fees
See additional details for Discover it® Miles
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Rewards Rate
1.25 Miles per dollar on every purchase, every day
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Intro Purchase APR
0% intro on purchases for 12 months
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Regular Purchase APR
14.24% - 24.24% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
- Transfer your miles to over 12 leading travel loyalty programs
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
See additional details for Capital One® VentureOne® Rewards Credit Card
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Introductory APR
0% for 15 months on purchases and balance transfers
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Sign-up Bonus
Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.
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Regular APR
17.24 - 25.99% Variable
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- Free credit score, updated weekly with Credit JourneySM
- No annual fee
See additional details for Chase Freedom Unlimited®
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Bonus Rewards
60,000 bonus points
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Rewards Rate
2X points on travel and dining
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Bonus Perks
1:1 point transfer to leading airline and hotel loyalty programs
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Typical Credit Needed
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Annual Fee
$95
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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®
- Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
- No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card
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Cashback Match™
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
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EARN
Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
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Redeem
Any amount, any time. Cash back rewards never expire*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See Rates & Fees
See additional details for Discover it® Cash Back
*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.
EMV Credit Cards: PIN-and-chip or chip-and-signature
EMV credit cards, also known as chip-and-PIN cards, are credit cards that come with a small microprocessor chip embedded in the credit card. EMV stands for Europay, MasterCard, and Visa, who are the pioneers of this technology. This technology works the same as traditional magnetic strip credit cards in that it still stores the credit card numbers and expiration dates. What’s different, though, is that transactions are encrypted each time the card is used, making it extremely difficult for thieves to steal information.
EMV technology was slow to catch on in the United States due to the high cost of converting credit card readers like ATM’s and POS systems. With the increase in data breaches and the billions of dollars lost to fraudulent card activity, the United States will finally be switching to the more secure EMV credit card technology in 2015.
EMV cards can be either a chip-and-PIN card or a chip-and-signature card. Chip-and-PIN cards will work very similar to your bank’s debit card where a PIN is required to process a payment in real-time, along with a signature. Most payment terminals won’t be immediately equipped for PIN’s, so for now you can expect your EMV card to work much like it already does. Find out more about EMV credit cards like how to get a PIN-and-chip credit card, by visiting our blog.
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