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.
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 18 months on balance transfers.
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 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.
Earn 50,000 bonus points after spending $4,000 within 3 months of account opening
50,000 bonus ThankYou® Points are redeemable for $500 in travel, anytime, with no blackout dates when booked through the ThankYou Travel Center
5x points on air travel and restaurants
3x points on hotels and cruise lines
1x points on all other purchases
No foreign transaction fees
$250 Travel Credit Every Calendar Year
Annual Fee: $495
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 50,000 American Airlines AAdvantage® bonus miles after making $2,500 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.
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.
0% Offer: 0% Intro APR on Balance Transfers for 21 months and on Purchases for 12 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.
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
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.