Hilton HHonors Card from American Express Review – 80,000 Bonus Points

Hilton HHonors Amex ReviewUpdate – For a limited time (Expires 5/31) the Hilton HHonors Card from American Express will offer 80,000 bonus points after spending $2,000 in purchases during the first three months of card ownership!

Hilton HHonors Card from American Express is designed to benefit those who enjoy staying at Hilton Hotels. The card offers a rewards program that allows you to earn points on all purchases and extra points for Hilton purchases. You will get a low introductory rate on purchases and there is no annual fee with this card.  In this review we’ll look at the rewards program, including the value of HHonors points and what hotels you can use them. We’ll also cover the fees and rates, and compare this card to other Hilton credit cards.

Learn more about this and other travel reward credit cards and apply online at CardRatings.com.

Rewards Program

The rewards program with this card combines bonus HHonors points with points earned on purchases with the card. It also provides a quicker way to achieve VIP status. Let’s look at each.

Hilton HHonors Bonus Points

With the Hilton HHonors™ Card from American Express you can earn 80,000 Hilton HHonors™ bonus points. To qualify, you must spend $2,000 in purchases on the card within your first 3 months of card membership. This of course raises an important question. How much are these points worth?

We’ll look at that in more detail below. For now, keep in mind that free rooms begin at 5,000 points for a Category 1 hotel. They go up to 70,000 to 95,000 points for one night at a Category 10 property.  Here’s the awards chart from Hilton:

Hilton HHonors Awards Chart

Purchase Rewards

You also earn HHonors points for using the card. The amount of points depends on the purchase:

  • Get 7X Hilton HHonors™ Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Get 5X Hilton HHonors™ Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton HHonors™ Bonus Points for all other eligible purchases on your Card.

At first glance this point structure looks phenomenal. Not so fast. The travel hackers among us value an HHonors point at 0.4 cents each (Source). I wouldn’t read too much into this valuation. Remember that the number of points needed for a stay depends on the hotel. But it’s a good rule of thumb.

Learn more about this and other travel reward credit cards and apply online at CardRatings.com.

Hilton HHonors™ VIP Status

The HHonors Silver VIP status is yours, complimentary, for the life of your travel rewards Card. You can receive a 15% bonus credit on all HHonors Base points earned, as well as other benefits when you stay at Hilton Family hotels. You will enjoy an automatic upgrade to HHonors Gold VIP status when your total eligible spend reaches $20,000 in the calendar year. With Gold VIP status you get :

  • A 25% bonus credit on all HHonors Base points earned
  • Access to the Executive Floor lounge
  • Upgraded accommodations when available

Interest Rates

APR on purchases will be a variable rate, currently 15.49% to 19.49%, based on your creditworthiness and other factors. Please note that interest rates can and do change frequently.

Additional Hilton HHonors™ Card from American Express Benefits

  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too.
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen.
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you arrive late, or the hotel will provide you with a comparable room nearby, along with transportation to your new location.
  • Travel Accident Insurance: Provides up to $100,000 in accidental death and dismemberment insurance while traveling.
  • Emergency Card Replacement: Receive a new Card if yours has been lost or stolen in as little as 24 hours.
  • Global Assist® Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.
  • Extended Warranty: When you pay for a covered item entirely with your Card, Extended Warranty extends the terms of the original manufacturer’s warranty for a period of time equal to the duration of the original manufacturer’s warranty, up to one additional year. Coverage is limited to the actual amount charged to your Credit Card for the item or $10,000, whichever is less, not to exceed $50,000 per Cardmember account per policy year.
  • Purchase Protection:Purchase Protection provides you with added peace of mind when you use your Card for eligible purchases. Items are protected against theft and accidental damage for up to 90 days from the date of purchase — at no additional charge. Coverage is good for up to $1,000 per Occurrence, and up to $50,000 per Cardmember per account, per year.
  • Exciting Offers: From vacation packages to nights out on the town, explore exclusive offers that can help you save while earning bonus miles. Offers are updated frequently, so keep checking in.

What we like

Clearly the best feature are the HHonors points. My wife and I travel enough that the card generates several free stays each year. And that’s more than enough to justify the annual fee. It’s also nice to get the boost to Silver status.

What could be better

The interest rates and lack of an introductory rate are a “negative.” That being said, we pay the card off in full each month, so the interest rate is irrelevant. And if we were looking for a 0% balance transfer or 0% on purchases, we’d look to a different card anyway.

Summary

  • Get 80,000 Hilton HHonors™ Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
  • Get 7X Hilton HHonors™ Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Get 5X Hilton HHonors™ Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
  • Terms and limitations apply.
  • Regular Purchase APR: 15.99%-19.99% (Variable)
  • Penalty APR: 29.99%
  • Annual Fee: $0
  • Late Payment Fee: Up to $37
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars
  • Ideal for those who frequently stay in Hilton Hotel properties
  • Excellent bonus rewards for those looking for HHonors points
  • Well suited for those wanting a rewards card with no annual fee
  • Requires excellent credit

Learn more about this and other travel reward credit cards and apply online at CardRatings.com.

Compare

There are several Hilton credit cards available. In addition to this American Express offer, Citibank offers two Hilton HHonors rewards cards. Here is a quick comparison of the three Hilton credit cards:

Hilton HHonors™ Card from American Express Citi® Hilton HHonors™ Visa Signature® Card Citi® Hilton HHonors™ Reserve Card
Bonus Points 80,000 40,000 2 weekend
night certificates
Earning Rewards Up to 7x/$1 Up to 6x/$1 Up to 10x/$1
Annual Fee $0 $0 $95

Blue Cash Preferred® Card from American Express Review – Up to 6% Cash Back

The Blue Cash Preferred® Card from American Express is known as one of the highest paying cash back cards available. It offers up to 6% cash back and a 0% introductory APR on purchases and balance transfers for 12 months.

Blue Cash Preferred ReviewAmerican Express is perhaps best known for its travel rewards–“Don’t leave home without it.” But with the Blue Cash Preferred® Card from American Express, it also offers a top notch cash rewards cards. The card has a tiered reward system ranging from one to six percent. It also has a cash bonus for new card members and a 0% introductory APR offer.

Blue Cash Preferred® Card from American Express Snapshot

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees
  • Learn how to apply here.

Cash Back Rewards Program

There are four components of the rewards program: (1) the $150 bonus; (2) 6% cash back;  (3) 3% cash back; and (4) 1% cash back.

1. $150 Bonus: Spend just $1,000 on the card in the first 3 months and you’ll pocket a $150 cash bonus in the form of a statement credit.

2. 6% Cash Back: For rewards, you earn 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%). This is one of the highest cash back rewards available from any card.

3. 3% Cash Back: You’ll earn 3% at U.S gas stations.

4. 1% Cash Back: On all other purchases.

0% Introductory Rate

The card offers a 0% introductory rate on purchases and balance transfers for 12 months.

What we like about the Blue Cash Preferred® Card

  • The $150 cash bonus
  • Up to 6% cash back
  • 0% introductory APR

What could be better

  • The 6% cash back has a spending cap
  • $95 annual fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • Regular Purchase APR: 13.24%-23.24% (Variable)
  • Penalty APR: See Terms
  • Annual Fee: $95
  • Late Payment Fee: See Terms
  • Foreign Transaction Fee: 2.7% of each transaction in U.S. dollars
  • Ideal for those who want up to 6% cash back
  • A good choice for those looking for a 0% APR introductory rate
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Southwest Airlines Rapid Rewards Premier Credit Card Review

The Southwest Airlines Rapid Rewards Premier Credit Card offers 50,000 bonus points to new cardmembers who spend $2,000 within 3 months of opening an account. It also offers up to 2 points per dollar spent.

Rewarding loyalty, this card gives you 2 points per dollar spent on Southwest Airlines Purchases and participating Hotel and Car Rentals. Giving you 6,000 points after your Cardmember Anniversary and 1 point per dollar on all other purchases the Southwest Airlines Rapid Rewards Premier Credit Card offers its user the ability to earn many points to put toward flights with Southwest Airlines.

Southwest Airlines Rapid Rewards Premier Card Snapshot

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
  • Points Don’t Expire, there are no blackout dates, and bags fly free
  • 2 points for every $1 spent on Southwest Airlines purchases
  • 1 point for every $1 spent on all other purchases
  • 6,000 points after your Cardmember Anniversary

Rewards Program

Earning Rapid Rewards Points

The Southwest Airlines Rapid Rewards Premier Credit Card benefits from a simple yet rich rewards program.

Bonus Points: Earn 50,000 points after you spend $2,000 on purchases in your first 3 months of opening an account. You also receive 6,000 bonus points after your cardmember anniversary.

2x Points: Earn 2 points for every dollar you spend on Southwest Airlines purchases and purchases at participating Hotel and Car Rental partners.

1x Points: Earn 1 point for every 1 dollar you spend on all other purchases.

Using Rapid Rewards Points

The most frequent use of Rapid Rewards Points is for free airfare on Southwest. Unlike some other airlines, there is no set number of points needed for travel. Instead, the number of points require for a free airline ticket depends on “destination, time, day of travel, demand, fare class, point redemption rate, and other factors and is subject to change,” according to Southwest Airlines.

To give you an idea of the value of the points, here are the redemption values on several flights (keep in mind that these can change daily):

From to Estimated Points
Dallas Los Angeles 22,074
New York City Los Angeles 29,250
New York City Chicago 19,890
New York City Chicago 19,890

You can also use points for rental cars, hotels, gift cards and other rewards. Here the points are typically worth 1 cent (e.g., $100 Best Western travel card costs 10,000 points).

Other Perks

The Southwest Airlines Rapid Rewards Premier Credit Card offers several additional benefits:

  • No Foreign Transaction Fees: No foreign transaction fees on purchases made abroad
  • No blackout dates or seat restrictions: Now you never have to worry about pesky blackout dates or seat restrictions when you redeem your rewards points
  • Bags Fly Free: Now your first and second checked bags fly free. Weight and size limits apply
  • No Change Fees: When you have to change your flight, some airlines charge up to $150 on top of paying a difference in fare. Unlike competitors, Southwest Airlines understand unexpected events may happen and don’t charge you a fee for changing

What we like about the Southwest Airlines Rapid Rewards Premier Credit Card

  • Earn 50,000 bonus points for new customers after spending $2,000 on purchases within 3 months
  • Earn 2 points/$1 spent on Southwest Airlines purchases and participating Hotel and Car Rental partners
  • Points never expire, no blackout dates, no seat restrictions
  • No rewards cap

What could be better

  • $99 Annual Fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
  • Points Don’t Expire, there are no blackout dates, and bags fly free
  • 2 points for every $1 spent on Southwest Airlines purchases
  • 1 point for every $1 spent on all other purchases
  • 6,000 points after your Cardmember Anniversary
  • Regular Purchase APR: 15.99% Variable
  • Penalty APR: None
  • Annual Fee: $99
  • Late Payment Fee: $15, $27, or $37
  • Foreign Transaction Fee: None
  • Ideal for those looking for a card that provides Southwest Airlines points on all purchases
  • Ideal if for using Southwest Airlines and its travel partners frequently
  • Great for those traveling internationally with no foreign transaction fees
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Discover Credit Cards

Discover credit cards are best none for cash back rewards. Discover popularized the 5% cash back on rotating categories. In addition, however, Discover offers an excellent travel rewards card and one of the longest 0% balance transfer offers available today.

I’ve carried a Discover credit card since they were called Discover More. Now they have a line of Discover it® cash back and miles credit cards. In addition to the rewards and terms below, these cards offer free access to your FICO credit score.

Discover Credit Cards

 Discover it® Miles – Double Miles your first year
  • Rewards: Unlimited 1.5x Miles on every dollar you spend on purchases.
  • Bonus: Discover will double all the Miles you’ve earned at the end of your first year. So if you’ve earned 20,000 Miles, we’ll double it to 40,000 Miles – Automatically. Only for new cardmembers.
  • 0% Offer: 0% intro APR* on purchases for 12 months—then a variable purchase APR applies.
  • Annual Fee: $0
Discover it® Cashback Match™ with No Annual Fee
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 12 months on purchases and balance transfers.
  • Annual Fee: $0
Discover it® – 18 Month Balance Transfer Offer (18 Month 0% balance transfer)
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 6 months on purchases and for 18 months on balance transfers.
  • Annual Fee: $0
Discover it® chrome – Double Cash Back your first year
  • Rewards: 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 12 months on purchases and balance transfers.
  • Annual Fee: $0
NHL® Discover it® card – Double Cash Back your first year
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 12 months on purchases and balance transfers.
  • Annual Fee: $0

Discover Student Credit Cards

Discover it® for Students – Good Grades Rewards
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202-Automatically. Only for new cardmembers.*
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 0% Offer: 0% intro APR on purchases for 6 months.
  • Annual Fee: $0
Discover it® chrome for Students – Good Grades Rewards
  • Rewards: 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no signups needed.* 1% cash back on all your other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202-Automatically. Only for new cardmembers.*
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 0% Offer: 0% intro APR on purchases for 6 months.
  • Annual Fee: $0

Citibank Credit Cards

Citibank offers a wide range of credit cards. Its 0% balance transfer and purchase cards offer some of the longest no interest introductory rates available today. Citi’s cash back cards are top ranked. And it offers some excellent points and miles travel cards.

I’ve carried Citi® credit cards for years. Back in the day I took advantage of Citi’s 0% balance transfer cards. Today the Citi® Double Cash is my everyday card because it pays 2% cash back–1% on purchases + 1% when you pay for those purchases.

Editor’s Pick: Without question the top pick goes to the Citi® Double Cash Card. It pays 1% on very purchase + 1% when you pay for the purchase. It has no annual fee and a 0% introductory APR for 15 months.

Citi® Rewards Credit Cards

Citi ThankYou® Premier Card
  • Rewards: Earn 3X ThankYou® Points on Travel including Gas, 2X ThankYou® Points on Dining Out and Entertainment, and 1X ThankYou® Points on Other Purchases.
  • Bonus: Earn 40,000 Bonus Points after Meeting Qualifications*
  • 0% Offer: None
  • Annual Fee: $95, waived for first 12 months*
Citi Prestige® Card
  • Rewards: Earn 3x points on Air Travel and HotelsEarn 2x points on Dining at Restaurants and Entertainment. Earn 1 Point per $1 spent on other purchases.
  • Bonus: Earn 40,000 bonus Points after $4,000 in purchases made with your card in the first 3 months the account is open. Points are redeemable for a $532 flight on any airline or $400 in gift cards.
  • 0% Offer: None
  • Annual Fee: $450
Citi ThankYou® Preferred Card
  • Rewards: 2 ThankYou® Points per dollar spent on dining at restaurants and entertainment / 1 ThankYou® Point on other purchases.
  • Bonus: Earn 15,000 bonus ThankYou® Points after $1,000 in card purchases within 3 months of account opening – redeemable for $150 in gift cards or other great rewards.
  • 0% Offer: 0% intro APR on Balance Transfers and Purchases for 12 months.
  • Annual Fee: $0
Citi® Double Cash Card
  • Rewards: Earn 1% on Purchases & 1% on Payments.
  • Bonus: None.
  • 0% Offer: 0% Intro APR on Balance Transfers and Purchases for 15 months.
  • Annual Fee: $0

Citi® Travel Credit Cards

Citi®/ AAdvantage® Platinum Select® MasterCard®
  • Rewards: Earn 2 AAdvantage® Miles on every $1 spent on eligible American Airlines purchases, and 1 AAdvantage® mile on all other purchases. First checked bag is free on domestic American Airlines itenraries for you and up to four companions traveling with you on the same reservation*Enjoy Group 1 Boarding on American Airlines flights.
  • Bonus: Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $95, waived for first 12 Months.
Citi® / AAdvantage® Executive World Elite™ MasterCard®
  • Rewards: Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Admirals Club® membership for you with guest privileges*10,000 Elite Qualifying Miles from American Airlines after $40,000 spent in purchases each calendar year. First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation.
  • Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $450
Citi® Hilton HHonors® Visa Signature® Card
  • Rewards: Earn 6 HHonors™ Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio. Earn 3 HHonors™ Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations. Earn 2 HHonors™ Bonus Points for each $1 spent on all other purchases.
  • Bonus: Earn 40,000 Hilton HHonors™ Bonus Points after making $1,000 in purchases within the first 4 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $0
Citi® Hilton HHonorsTM Reserve Card
  • Rewards: Earn 10 HHonors™ Bonus Points per $1 spent on hotel stays within the Hilton portfolio. Earn 5 HHonors™ Bonus Points per $1 spent on airline and car rental purchases. Earn 3 HHonors™ Bonus Points per $1 spent on all other eligible purchases.
  • Bonus: Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $95
Expedia®+ Voyager Card from Citi®
  • Rewards: 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages. 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment, including tickets to concerts, movies and sporting events. 1 Expedia+ bonus point per $1 spent on other purchases. Expedia+ gold status is complimentary for as long as you are a cardmember.
  • Bonus: Earn a $100 statement credit after your first eligible Expedia purchase greater than $100 within 3 month of account opening. PLUS, earn 20,000 Expedia+ rewards bonus points after $2,000 in purchases within 3 months of account opening. Points redeemable for $250 in coupons at +VIP Access™ hotels or $125 at other hotels.
  • 0% Offer: None.
  • Annual Fee: $95

Citi 0% Credit Cards

Citi Simplicity® Card
  • Rewards: None.
  • Bonus: None.
  • 0% Offer: 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • Annual Fee: $0
Citi® Diamond Preferred® Card
  • Rewards: Citi Easy DealsSM Get what you want for less. Earn Citi® Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Bonus: None.
  • 0% Offer: 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • Annual Fee: $0

Citi® Student Credit Cards

Citi ThankYou® Preferred Card for College Students
  • Rewards: 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment. 1 ThankYou® Point on other purchases.
  • Bonus: Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 0% Offer: 0% intro APR on purchases for 7 months.
  • Annual Fee: $0

Citi® Business Credit Cards

CitiBusiness® Platinum Select® World MasterCard®
  • Rewards: Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases, telecommunications and car rental merchants – and at gas stations after 11/15/15. Earn 1 AAdvantage® mile per $1 spent on other purchases.
  • Bonus: For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $95, waived for first 12 months.

Susan G. Komen® Credit Card – Up to 3% Cash Back + $100 Bonus

The Susan G. Komen® credit card offers excellent cash back rewards, a signup bonus, and a 0% introductory rate. Most importantly, using the card helps support the Susan G. Komen’s fight to find a cure for breast cancer.

When I first learned of this card, I assumed it would be a plain vanilla card with no rewards. After all, Bank of America has promised to contribute millions of dollars to Susan G. Komen. How much could be left for rewards? To my surprise, the card offers a $100 signup bonus, up to 3% cash back, and a 0% introductory rate on purchases and balance transfers. And it manages all of this without charging an annual fee.

Susan G. Komen® Credit Card Snapshot

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3.0 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $6.0 million from Bank of America from this program since 2009.
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.24% – 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • More details: Susan G. Komen® credit card

Rewards Program

There are four components of the Susan G. Komen®  rewards program: (1) the $100 bonus; (2) 3% cash back; (3) 2% cash back; and (4) 1% cash back.

1. $100 Bonus: New card members earn a $100 bonus when they spend at least $500 on the card in the first 90 days of account opening.

2. 3% Cash Back: The card pays 3% cash back on gas purchases. There is a spending cap, however, as you’ll see below.

3. 2% Cash Back: Earn 2% cash back at grocery stories. As noted above, there is a cap. Both the 3% cash back on gas and 2% cash back at grocery stores are subject to a spending cap of $1,500 every quarter. Once the spending cap is reached in combined purchases of gas and at grocery stores, you’ll earn 1% on additional purchases through the end of the quarter.

4. 1% Cash Back: On all purchases that fall outside the above reward levels you will earn 1% cash back with no spending tiers or caps.

0% Introductory Rate

The card offers a 0% introductory rate for 12 months on purchases and for any balance transfer initiated in the first 60 days. Note that there is a 3% fee (minimum $10) on balance transfers.

What we like about this Card

  • The $100 cash bonus
  • Up to 3% cash back
  • 0% introductory APR
  • No annual fee

What could be better

  • Two and three percent cash back has spending caps
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3.0 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $6.0 million from Bank of America from this program since 2009.
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.24% – 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • More details: Susan G. Komen® credit card
  • Regular Purchase APR: 13.24%-23.24% (Variable)
  • Penalty APR:Up to 29.99%, based on your creditworthiness
  • Annual Fee: $0
  • Late Payment Fee: Up to $37
  • Foreign Transaction Fee: 3%
  • Ideal for those who want to support Susan G. Komen
  • A good choice for those looking for a 0% APR introductory rate
  • Well suited for those wanting a cash back card with no annual fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Chase Credit Cards

Chase credit cards offer something for everybody. Chase cards cover the spectrum of perks, including travel rewards, cash back, and 0% introductory rates on balance transfers and purchases.

I’ve carried a number of Chase credit cards for years. I used the Chase Slate card’s no fee 0% balance transfer to help my wife and I get out of debt. The Chase Freedom® card helped us earn substantial cash back rewards. And today we carry the Marriott Rewards® Premier Credit Card.

Here you’ll find the complete lineup for Chase credit card offers. We’ll start with the consumer cards, and follow it up with Chase business credit cards.

Chase Consumer Credit Cards

Editor’s Pick: It is extremely difficult to pick the best Chase credit card. If I had to pick just one, however, it would be the Chase Sapphire Preferred Card. This travel credit card offers 50,000 bonus points and up to 2x points on travel and dining at restaurants.  It was named a ‘Best Credit Card’ for Travel Rewards by MONEY Magazine.

Chase Freedom
  • Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
  • Bonus: Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. Earn a $25 bonus after you add your first authorized user and make a purchase within this same 3-month period.
  • 0% Offer: 0% Intro APR for 15 months on purchases and balance transfers.
  • Annual Fee: $0
  • Read our review
Chase Slate
  • Rewards: None
  • Bonus: $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Offer: 0% Introductory APR for 15 months on purchases and balance transfers
  • Annual Fee: $0
  • Read our review
Chase Sapphire Preferred Card
  • Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Bonus: Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®. Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 0% Offer: None.
  • Annual Fee: Intro Annual Fee $0 the first year, then $95
  • Read our review
Southwest Airlines Rapid Rewards® Premier Credit Card
  • Rewards: 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners. 1 point/$1 spent on all other purchases.
  • Bonus: Earn 25,000 points after you spend $1,000 on purchases in the first 3 months your account is open. 6,000 points after your Cardmember Anniversary.
  • 0% Offer: None.
  • Annual Fee: $99
  • Read our review
United MileagePlus® Explorer Card
  • Rewards: Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases. Check your first bag for free – save up to $100 per roundtrip.
  • Bonus: Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening.
  • 0% Offer: None.
  • Annual Fee: $0 intro annual fee for the first year, then $95.
Marriott Rewards® Premier Credit Card
  • Rewards: For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else.
  • Bonus: Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. Get 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date.
  • 0% Offer: None
  • Annual Fee: $0 introductory first year, then $85
  • Read our review

Chase Business Credit Cards

Ink Cash Business Credit Card
  • Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
  • Bonus: Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • 0% Offer: 0% introductory APR on purchases for 12 months.
  • Annual Fee: None
  • Read our review
Ink Plus Business Credit Card
  • Rewards: Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • Bonus: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 0% Offer: None
  • Annual Fee: $95
  • Read our review

Marriott Rewards Premier Credit Card Review – 80,000 Bonus Points

The Marriott Rewards Premier Credit Card enables card members to earn free night stays quickly with 80,000 bonus points and up to 5 points on every $1 spent.

This card is one of the cards I carry everyday. As a fan of Marriott hotels, this card enables me to earn free stays extremely fast. The combination of 80,000 bonus points and up to 5x points on every $1 spent on the card provides an excellent opportunity to earn free night stays at Marriott Hotels. You also earn a free night stay on every anniversary of card membership.

Marriott Rewards Premier Credit Card Snapshot

  • Earn 80,000 Bonus Points–Requires spending $3,000 on purchases in the first 3 months from account opening.
  • Earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Earn 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date.
  • Earn 5 points for every $1 spent at 4,000 Marriott locations, 2 points for every $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 Elite Credits guaranteeing Silver Elite Status or better.Earn 1 Elite Credit for every $3,000 spent on purchases
  • $85 Annual Fee

Rewards Program

There are 6 components of the Marriott Rewards Premier Credit Card rewards program:

1. 80,000 Bonus Points: Earning the bonus points is easy. Spend $3,000 on the card in the first three months of account opening and you’ll earn 80,000 Marriott bonus points. Free night stays start at 7,500 points for a category 1 hotel, making the 80,000 points extremely valuable.

As an additional bonus, you also earn 5,000 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.

2. 7,500 Bonus Points: earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.

3. Free Night Stay: You also get 1 free night stay at a Category 1-5 location on each account anniversary date. For me, this more than pays for the annual fee.

4. 5 Points: Earn 5 points for every $1 spent at 4,000 Marriott locations worldwide. This is a great benefit when you vacation at a Marriott resort. We recently spent $4,000 at the Frenchman’s Reef & Morning Star Marriott Beach Resort. At 5 points each we earned 20,000 points.

5. 2 Points: Earn 2 points on every $1 spent on airline ticket purchases directly with airlines, at car rental agencies & restaurants.

6. 1 Points: Earn 1 point on every $1 spent on all other purchases.

Elite Status

Marriott has three levels of elite status–Silver, Gold and Platinum. To reach each status, you need 10, 50, or 75 night stays, respectively. Each status provides a number of benefits, including bonus points on each night stay.

With the Marriott Rewards Premier Credit Card, you automatically earn 15 credits each year. This qualifies you for Silver status and puts you on your way toward Gold status.

What we like about the Marriott Rewards Premier Credit Card

  • 80,000 bonus points
  • Up to 5 points for every $1
  • Silver Elite status
  • No foreign transaction fees
  • Free night stay every year

What could be better

  • $85 annual fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • Earn 80,000 Bonus Points–Requires spending $3,000 on purchases in the first 3 months from account opening.
  • Earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Earn 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date.
  • Earn 5 points for every $1 spent at 4,000 Marriott locations, 2 points for every $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 Elite Credits guaranteeing Silver Elite Status or better.Earn 1 Elite Credit for every $3,000 spent on purchases
  • $85 Annual Fee
  • Regular Purchase APR: 16.24% (Variable)
  • Penalty APR: None
  • Annual Fee: $85
  • Late Payment Fee:Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more.
  • Foreign Transaction Fee: None
  • Ideal for those who stay at Marriott hotels
  • A good choice for those looking a quick way to earn Marriott points
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

BankAmericard Travel Rewards® Credit Card Review – $200 Signup Bonus

The BankAmericard Travel Rewards® Credit Card offers 1.5 points per $1 spent, a 20,000 point signup bonus, and no annual fee.

This card is ideal for frequent travelers. It is a true 1.5% rewards card, paying 1.5 points per $1 spent. It also offers a signup bonus of 20,000 points (minimum spend required) and a 0% introductory APR on purchases. And it manages all of this without charging an annual fee. We’ll cover each of these features and more in this review.

BankAmericard Travel Rewards® Credit Card Snapshot

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days –  that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% – 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% or more.  Click “Apply Now” to learn more about Preferred Rewards
  • More details: BankAmericard Travel Rewards® Credit Card

Rewards Program

There are four components of the BankAmericard Travel Rewards® Credit Card rewards program: (1) the 20,000 point bonus; (2) 1.5 points; (3) 10% customer points bonus; and (4) 25% or higher bonus for Preferred Rewards clients.

1. 20,000 Bonus Points: The card offers 20,000 bonus points when you spend $1,000 on the card in the first 90 days. These bonus points are worth a $200 statement credit.

2. 1.5 Points: Bank of America offers a simple and very rewarding program–1.5 points for every $1 spent. There are no rotating categories to keep track of, and no spending caps.

3. 10% Bonus: Those with an active Bank of America checking or savings account, you’ll earn a 10% bonus. This increases the rewards to 1.65 points for every $1 charged to the card.

4. 25%+ Bonus: Finally, Preferred Rewards clients can earn substantial bonuses starting at 25%. For Platinum Honors members, this bonus goes up to 75%.

0% Introductory Rate

The card offers a 0% introductory rate on purchases for 12 billing cycles.

What we like about the BankAmericard Travel Rewards® Credit Card

  • 20,000 Bonus Points
  • 1.5 Points rewards program
  • 0% introductory APR
  • No annual fee

What could be better

Summary

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days –  that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% – 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% or more.  Click “Apply Now” to learn more about Preferred Rewards
  • More details: BankAmericard Travel Rewards® Credit Card
  • Regular Purchase APR:15.24% – 23.24% (Variable)
  • Penalty APR:Up to 29.99%, based on your creditworthiness
  • Annual Fee: $0
  • Late Payment Fee:Up to $37
  • Foreign Transaction Fee: None
  • Ideal for those who want above average rewards on every purchase
  • A good choice for those looking for a 0% APR introductory rate
  • Well suited for those wanting a rewards card with no annual fee
  • Requires Excellent/Good Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

BankAmericard® Credit Card Review – 0% Balance Transfer for 18 Billing Cycles

The BankAmericard® Credit Card does one thing, and it does it really well. It’s 0% introductory APR on balance transfers for 18 billing cycles is one of the longest available from any credit card.

This card is ideal for those wanting to transfer high interest credit card debt to a 0% card. The 0% introductory APR last for 18 billing cycles. Keep in mind, however, that you must initiate the transfer within the first 60 days of getting the card. There is no annual fee.

BankAmericard® Credit Card Snapshot

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% – 21.24% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you’re not responsible for any fraudulent charges made on your account
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • More details: BankAmericard® Credit Card

0% Introductory Rate

The card offers a 0% introductory rate on balance transfers for 18 billing cycles. The transfer must be made within the first 60 days of getting the card. Note that there is a 3% fee (minimum $10) on balance transfers.

What we like about the BankAmericard® Credit Card

  • 0% introductory APR for 18 billing cycles
  • No annual fee

What could be better

Summary

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% – 21.24% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you’re not responsible for any fraudulent charges made on your account
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • Regular Purchase APR: 11.24%-21.24% (Variable)
  • Penalty APR:Up to 29.99%, based on your creditworthiness
  • Annual Fee: $0
  • Late Payment Fee:Up to $37
  • Foreign Transaction Fee: 3%
  • Ideal for those looking for a 0% balance transfer
  • Well suited for those wanting a rewards card with no annual fee
  • Requires Excellent/Good Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score