Best Credit Card Offers, Deals and BonusesCheck out the credit card reviews for the best credit card deals available now — and find the right one for you.

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To find the best credit card offers that match your spending habits, look for a card that offers rewards that help you get more out of your spending. If you’re in the market for a new rewards credit card, start by comparing the best credit card deals. Different types of rewards offers are available, including balance transfer credit cards, cash rewards credit cards, credit cards for students, and offers that emphasize a credit card bonus program or low interest rates.

Check out GOBankingRates’ reviews of the top credit card rewards and bonus offers. Choices were based on current promotions, sign-up bonuses, and credit card deals’ pros and cons. Take a look at the categories so you can best decide which card fits your needs, and then sit back and decide how to spend all your rewards:

Credit CardBest ForBonus OffersHow to Apply
bank of america logoBankAmericard Travel RewardsTravel points20,000 bonus points after $1,000 in purchases in first 90 daysLearn More
bank of america logoBankAmericard Cash RewardsCash rewards$100 cash bonus after $500 in purchases in first 90 daysLearn More
alaska airlines logoAlaska Airlines Visa SignatureAlaska Airlines customers30,000 bonus miles after $1,000 in purchases in first 90 daysLearn More
Discover logoDiscover it CardCash back bonus1:1 match on cash back earned in first yearLearn More
Discover logoDiscover it Secured CardNo credit history1:1 match on cash back earned in first yearLearn More
Discover logoDiscover it Miles CardSimple travel rewards1:1 match on cash back earned in first yearLearn More
Discover logoDiscover it for StudentsCollege students1:1 match on cash back earned in first yearLearn More
CapitalOne logoSpark Cash Capital One Business CardTransferring business debt$500 cash bonus after $4,500 in purchases in first 3 monthsLearn More
CapitalOne logoVentureOne from Capital OneTravel protection20,000 bonus miles after $1,000 in purchases in first 3 monthsLearn More
CapitalOne logoQuicksilver from Capital OneLow spenders$100 bonus after $500 in purchases in first 3 monthsLearn More
CapitalOne logoSpark Miles Select from Capital OneBusiness travelers20,000 bonus miles after $3,000 in purchases in first 3 monthsLearn More
citibank logoCiti Prestige CardFree hotel stays50,000 bonus points after $5,000 in purchases in first 3 monthsLearn More
citibank logoCiti AAdvantage Platinum Select World Elite MasterCardAmerican Airlines customers50,000 AAdvantage bonus miles after $3,000 in purchases in first 3 monthsLearn More
citibank logoCiti AAdvantage Gold World Elite MasterCardLow-spending American Airlines customers25,000 AAdvantage bonus miles after $750 in purchases in first 3 monthsLearn More
citibank logoCiti ThankYou Preferred CardEntertainment lovers15,000 bonus points after $1,000 in purchases in first 3 monthsLearn More
citibank logoCiti ThankYou Premier CardTraveling entertainment lovers30,000 bonus points after $3,000 in purchases in first 3 monthsLearn More
citibank logoExpedia+ Card from CitiExpedia users15,000 Expedia bonus points after $1,000 in purchases in first 3 monthsLearn More
citibank logoCiti Hilton HHonors Visa SignatureHotel stays40,000 Hilton HHonors bonus points after$1,000 in purchases in first 4 monthsLearn More
Chase logoChase Freedom Unlimited CardBalance transfers and cash rewards$150 bonus after $500 in purchases in first 3 months, $25 bonus when you add first authorized user in same 3-month periodLearn More
Chase logoChase Sapphire Preferred CardBonus points50,000 bonus points after $4,000 in purchases in first 3 months, 5,000 bonus points after adding first authorized user in same 3-month periodLearn More

Check Out: 7 Preapproved Credit Card Facts You Need to Know Before Applying

Best Credit Cards for Travel Points

If travel is your passion, the following credit cards are for you. Here are the best cards for racking up points for travel.

Best Card for Travel Points: BankAmericard Travel Rewards

Annual fee: $0
Introductory rate: 0% APR for 12 billing cycles
Ongoing rate: 15.49% to 23.49% APR

If you’re looking for points you can redeem for flights, vacation packages, cruises and other travel rewards, this card gives you unlimited 1.5 points per dollar. One of the best credit cards for travel, the BankAmericard Travel Rewards card also comes with 0% APR for the first 12 months and charges no foreign transaction fees, making it one of the best credit cards in the roundup.

Rewards and bonuses:

  • 20,000 online bonus points — which translates to a $200 statement credit — after you spend at least $1,000 on purchases in first 90 days
  • Unlimited 1.5 points for every $1 you spend on purchases

Pros:

  • No blackout dates on reward points
  • No foreign transaction fees

Cons:

  • Balance transfer fee of $10 or 3 percent, whichever is greater
  • Variable interest rate after introductory 12 cycles

Best Card for American Airline Customers: Citi AAdvantage Gold World Elite MasterCard

Annual fee: $0 for first 12 months, then $50
Introductory rate: N/A
Ongoing rate: 14.49% APR to 22.49% APR

The Citi AAdvantage Gold World Elite MasterCard card gets you 25 percent off any food you buy on American Airlines. You’ll also get a generous bonus for a modest purchase amount in the first three months, and there are no blackout dates for travel.

Rewards and bonuses:

  • 25,000 American Airlines AAdvantage miles when you spend $750 on purchases in the first three months
  • One American Airlines AAdvantage mile per dollar for all purchases

Pros:

  • No blackout dates for travel on American Airlines or American Eagle
  • 25 percent discount on American Airlines food

Cons:

  • Annual fee
  • No intro APR offer

Learn: 9 Best Credit Card Hacks to Save Money on Everything

Best Card for Alaska Airline Customers: Alaska Airlines Visa Signature

Annual fee: $50 or $75
Introductory rate: N/A
Ongoing rate: 12.74% APR to 19.74% APR

If you fly Alaska Airlines, you’ll likely find this to be one of the best credit card rewards programs. You’ll get one point for every dollar you spend on anything and three points per dollar you spend on Alaska Airlines tickets, vacation packages, cargo and in-flight purchases.

Rewards and bonuses:

  • 30,000 bonus miles after you spend $1,000 in the first 90 days
  • Free checked baggage for you and up to six companions on the same reservation

Pros:

  • Discount companion airfare after you spend $1,000 in purchases in the first 90 days
  • Generous reward structure

Cons:

  • Annual fee
  • Must spend rewards on Alaska Airlines or one of its partner airlines

Best Card for Travel Protection: VentureOne From Capital One

Annual fee: $0
Introductory rate: 0% APR for 12 months
Ongoing rate: 12.49% APR to 22.49% APR

If you’ve ever lost money because you had to cancel a vacation at the last minute, you might appreciate this card’s travel protection perks. The VentureOne card reimburses you up to $1,500 for nonrefundable expenses if you have to cancel or cut your trip short due to an unexpected event like illness.

Rewards and bonuses:

  • 20,000 bonus points — equal to $200 in travel — if you spend $1,000 in first three months
  • Rewards good for any airline, hotel or rental car

Pros:

  • Unlimited rewards with limited restrictions
  • Travel protection for canceled trips

Cons:

  • Only for those with excellent credit
  • Points-earning potential not as good as other cards

Best Business Card for Travelers: Spark Miles Select From Capital One

Annual fee: $0
Introductory rate: 0% APR for nine months
Ongoing rate: 13.49% APR to 21.49% APR

The Spark Miles Select business credit card’s 0% APR for the first nine months is an attractive offer if you want to shift debt. The card charges no annual fee, and if you make $3,000 in purchases within the first three months you’ll earn a 20,000-mile bonus.

Rewards and bonuses:

  • 20,000-mile bonus after you spend $3,000 in the first three months
  • 1.5 miles for every dollar you spend on anything

Pros:

  • Unlimited rewards
  • Free employee cards

Cons:

  • Balance transfer fee of $10 or 3 percent, whichever is greater
  • 29.9% APR on late payments

Best Card for American Airline Customers: Citi AAdvantage Platinum Select World Elite MasterCard

Annual fee: $0 for first 12 months, then $95
Introductory rate: N/A
Ongoing rate: 16.24% APR to 24.24% APR

If you frequently fly American Airlines, the Citi AAdvantage Platinum Select World Elite MasterCard could provide you with some nice perks. For instance, you can say goodbye to baggage fees for your first checked bag. You’ll also earn two travel miles for every dollar you spend on American Airlines purchases, and one point for all other purchases.

Rewards and bonuses:

  • 50,000 American Airlines AAdvantage miles when you spend $3,000 on purchases in the first three months
  • First checked bag free

Pros:

  • 2x points for American Airlines purchases
  • No foreign transaction fees

Cons:

  • Annual fee
  • Bonuses and rewards limited to American Airlines

Best Card for Expedia Users: Expedia+ From Citi

Annual fee: $0
Introductory rate: N/A
Ongoing rate: 15.49% APR to 23.49% APR

If you use Expedia to book flights, hotels, car rentals or vacation packages, the Expedia+ card gives you triple points every time. You’ll also earn points toward hotel stays and get a nice sign-up bonus if you spend the required amount in the first three months.

Rewards and bonuses:

  • 15,000 bonus points after you spend $1,000 in the first three months
  • 3 points for every dollar you spend on eligible Expedia purchases

Pros:

  • No annual fee
  • 3x points at Expedia

Cons:

  • No intro APR offer
  • Fewer points earned for non-Expedia bookings

Check Out: From Expedia to Kayak: The Best Cheap Flights Sites

Best Credit Cards for Cash Rewards and Bonus Points

Cash rewards just for using a credit card and bonus points just for getting the card make for an attractive offer. If you’re looking for the best cash and bonus points rewards, consider one of these cards.

Best Card for Cash Rewards: BankAmericard Cash Back Rewards

Annual fee: $0
Introductory rate: 0% APR for 12 billing cycles
Ongoing rate: 13.49% APR to 23.49% APR

If you’re looking for cash back you can spend any way you want, BankAmericard might be your answer. Here’s why it’s one of the best credit cards for cash back rewards: For starters, you’ll earn 1 percent cash back on every purchase. You’ll also earn 2 percent at grocery stores and wholesale clubs, and 3 percent on gas for the first $2,500 in combined purchases each quarter.

Rewards and bonuses:

  • $100 cash bonus after you spend at least $500 on purchases in the first 90 days
  • 10 percent bonus when you redeem rewards into your Bank of America checking or savings account

Pros:

  • No annual fee
  • 0% APR for 12 billing cycles

Cons:

  • Balance transfer fee of $10 or 3 percent, whichever is greater
  • Variable rate after introductory 12 cycles

Best Cash Back Bonus Card: Discover it Miles

Annual fee: $0
Introductory rate: 0% APR for 14 months
Ongoing rate: 11.49% APR to 23.49% APR

If you want to keep your rewards structure simple, the Discover it Miles card is a good choice. It rewards you with 1.5 points on every dollar, no matter where you spend it — period.

Rewards and bonuses:

  • Matches new customers’ rewards earned during the first year
  • Consistent $1 for each 100 miles you earn

Pros:

  • No annual fee
  • Free FICO score every month

Cons:

  • Balance transfer fee of 3 percent
  • Cash advance fee of $10 or 5 percent, whichever is greater

Best Card for Cash Back Bonus: Discover it

Annual fee: $0
Introductory rate: 0% APR for 14 months
Ongoing rate: 11.49% APR to 23.49% APR

With this card, you earn 5 percent cash back in bonus categories each quarter and 1 percent on every other purchase. At the end of the first year, Discover matches new members’ cash back rewards dollar for dollar, which puts it high on the list of top cash back credit cards.

Rewards and bonuses:

  • Matches new customers’ rewards earned during the first year
  • 5 percent cash back in rotating categories

Pros:

  • High cash back rewards
  • Long 0% APR intro offer

Cons:

  • Balance transfer fee of 3 percent
  • Cash advance fee of $10 or 5 percent, whichever is greater

Best Card for Bonus Points: Chase Sapphire Preferred

Annual fee: $0 for first year, then $95
Introductory rate: N/A
Ongoing rate: 16.49% APR to 23.49% APR

If you want a signing bonus, check out the Sapphire Preferred Card, which will give you 50,000 points if you spend $4,000 in three months. You can also earn an additional 5,000 points by authorizing another user who makes a purchase.

Rewards and bonuses:

  • 50,000 bonus points if you spend $4,000 in the first three months
  • 2x points on dining and travel and 1 point per dollar for everything else

Pros:

  • Big initial bonus
  • 5,000 extra points for adding an authorized user who makes a purchase

Cons:

  • Annual fee after first year
  • 25.24% APR for cash advances

Best Card for Low Spenders: Quicksilver From Capital One

Annual fee: $0
Introductory rate: 0% APR for nine months
Ongoing rate: 13.49% APR to 23.49% APR

If you’re not a big spender but still want to earn a cash bonus, the Quicksilver card might suit you. You’ll earn a $100 bonus for spending just $500 in the first three months. In addition, you’ll earn 1.5 percent cash back for every dollar you spend.

Rewards and bonuses:

  • $100 cash bonus after $500 in purchases in the first 90 days
  • Unlimited 1.5 percent cash back on every dollar you spend

Pros:

  • Good bonus for low spending
  • 0% APR intro offer

Cons:

  • 3 percent balance transfer fee
  • Slightly higher ongoing APR

Best Credit Cards for Balance Transfers

If you have some credit card debts you’d like to consolidate — and possibly get a lower interest rate — look no further. Check out these cards that offer great deals on balance transfers.

Best Card for Balance Transfer: Chase Freedom Unlimited

Annual fee: $0
Introductory rate: 0% APR for 15 months
Ongoing rate: 15.49% APR to 24.24% APR

If you’re planning to transfer a balance, the Chase Freedom Unlimited card will give you 0% APR for 15 months. You can also earn $150 cash for spending $500 in the first three months and a $25 bonus when you add your first authorized user and make your first purchase within the same three-month period.

Rewards and bonuses:

  • $150 cash bonus after you make $500 in purchases in the first three months
  • 1.5 percent cash back for every dollar you spend

Pros:

  • No annual fee
  • Long 0% APR intro offer

Cons:

  • Balance transfer fee of $5 or 5 percent, whichever is greater
  • Potentially high interest rate after introductory period

Best Business Card for Transferring Debt: Spark Cash Capital One Business

Annual fee: $0 for first year, then $59
Introductory rate: N/A
Ongoing rate: 17.49% APR

If you need to transfer some business debt, this is one of the best credit cards for balance transfers: The Spark Cash Capital One Business credit card doesn’t charge a balance transfer fee. You’ll also earn 2 percent cash back for every purchase you make, and receive free fraud alerts via text, phone or email. Spend enough in the first three months and you’ll earn a $500 bonus, too.

Rewards and bonuses:

  • $500 cash bonus for spending $4,500 in the first three months
  • Unlimited 2 percent cash back

Pros:

  • Free employee cards
  • No initial annual fee

Cons:

  • Only for those with excellent credit
  • No intro APR offer

Best Credit Cards for Entertainment Lovers

If you love a night out on the town, you might as well get rewarded for spending money on entertainment. Here are two cards offering some sweet deals just for having fun.

Best Card for Entertainment Lovers: Citi ThankYou Preferred

Annual fee: $0
Introductory rate: 0% APR for 12 months
Ongoing rate: 13.49% APR to 23.49% APR

If you spend a lot of money on dining and entertainment, this card will “thank you” with rewards. You’ll get 15,000 ThankYou points for spending $3,000 in three months, and you can redeem them for almost anything — from gift cards to dining and entertainment to charitable donations and more.

Rewards and bonuses:

  • 15,000 bonus points when you spend $1,000 in three months
  • 2x points on dining and entertainment and 1 point on all other purchases

Pros:

  • No annual fee
  • 0% APR intro offer

Cons:

  • Balance transfer fee of $5 or 3 percent, whichever is greater
  • Cash advance rate of $10 or 5 percent, whichever is greater

Find Out: Which Credit Cards Do Oprah, Warren Buffet and Kim Kardashian Use?

Best Card for Traveling Entertainment Lovers: Citi ThankYou Premier

Annual fee: $0 for first year, then $95
Introductory rate: N/A
Ongoing rate: 14.49% APR to 23.49% APR

If you’re in the rewards game for points instead of free balance transfers and low intro APRs, consider the Citi ThankYou Premier card; it gives you 30,000 bonus points for spending $3,000 in the first three months. Other perks include triple points on travel, including gas, and double points on dining out and entertainment.

Rewards and bonuses:

  • 30,000 bonus points for spending $3,000 in the first three months
  • Points worth 25 percent more when redeemed through Citi’s ThankYou Travel Center

Pros:

  • 3x points for travel expenses
  • No foreign transaction fees

Cons:

  • Annual fee after first year
  • No introductory APR

Best Credit Cards for No Credit History

If you’re a college student or just starting out on your own and don’t have much of a credit history — or one that’s less than great — you might think you can’t get a card that will give you rewards. Think again and check out these two options that can help you establish credit.

Best Card for No Credit History: Discover it Secured

Annual fee: $0
Introductory rate: N/A
Ongoing rate: 23.49% APR

If you don’t have much or any credit history and don’t qualify for credit cards that require excellent credit, the Discover it card will enable you to start building credit. As a bonus, you’ll earn cash back while you’re doing it. You’ll pay for the privilege, though, with no intro APR and a high interest rate.

Rewards and bonuses:

  • Matches new customers’ rewards earned during the first year
  • 1 percent cash back on everything you buy, and 2 percent for restaurant or gas station purchases, up to $1,000 per quarter

Pros:

  • Free FICO credit score
  • Helps you build your credit history

Cons:

  • High APR
  • Must secure your card with a deposit equal to your credit line

Read: 10 Best Credit Cards for Bad Credit

Best Card for College Students: Discover it for Students

Annual fee: $0
Introductory rate: 0% APR for six months
Ongoing rate: 13.49% APR to 22.49% APR

If you’re a good student, you’ll benefit by getting $20 in cash for maintaining a 3.0 GPA with the Discover it for Students card. You’ll also earn 5 percent cash back on rotating categories and 1 percent all the time.

Rewards and bonuses:

  • Annual $20 bonus for college students with a 3.0 GPA
  • 5 percent cash back on rotating categories

Pros:

  • High cash back rewards for certain categories
  • Free FICO score with statement each month

Cons:

  • Short introductory APR period
  • Highest rewards available only on a rotating basis

See: 10 Best Credit Cards for Students

Best Credit Cards for Hotel Stays

No matter where you travel, it’s hard to beat getting free hotel stays from racking up points on your credit card. Consider one of these cards that are ideal for earning free nights.

Best Card for Free Hotel Stays: Citi Prestige

Annual fee: $450
Introductory rate: N/A
Ongoing rate: 15.74% APR

The Citi Prestige card’s annual fee of $450 might sound huge, but this card offers some hefty rewards. For instance, each year you get a free $250 air travel credit. You can also extend your trip by getting a fourth night free at any hotel if you book a consecutive four-night stay through the Citi Prestige Concierge.

Rewards and bonuses:

  • 40,000 bonus points after you spend $4,000 in the first three months
  • 3x points on air travel and hotels
  • 2x points on dining and entertainment
  • 1 point per dollar on all other purchases

Pros:

  • No foreign transaction fees
  • Huge miles bonus

Cons:

  • High annual fee
  • No intro APR offer

Don’t Miss: Top 9 Hotel Rewards Programs That Can Save You the Most Money

Best Card for Hotel Stays: Citi Hilton Honors Visa Signature

Annual fee: $0
Introductory rate: N/A
Ongoing rate: 15.74% APR to 19.74% APR

The Citi Hilton Honors Visa Signature card gives you six points for each dollar you spend, but those points are for Hilton hotel stays only. You’ll also get triple points for each dollar you spend at supermarkets, drugstores and gas stations, plus two points for everything else.

Rewards and bonuses:

  • 40,000 Hilton HHonors Bonus Points for spending $1,000 in the first four months
  • 6 Hilton HHonors points for each dollar you spend on Hilton hotel stays

Pros:

  • No annual fee
  • No cap on points

Cons:

  • No introductory APR
  • Must frequent Hilton properties for maximum points earning

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

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