credit cards

Rewards

So many cards, so many rewards. The right rewards credit card will earn you points, cash back, or airline miles. This can mean free travel and extra money in your wallet. Find a cash-back credit card that will save you money and earn you rewards on all your purchases. Collect the most rewards that you will find the most useful.

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Bank of America Premium Rewards Card
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card description

Rewards Rate

  • Do you travel a lot? If so, you should think about a travel credit card.
  • Travel credit cards help you avoid foreign transaction fees while away from home and reward you for every purchase.
  • Bank of America rewards are redeemable for travel to Mexico, South America, and nearly anywhere else.
Annual Fee

$95

Foreign Transaction Fee

None

APR

15.99% to 22.99%

Penalty Fee

29.99%

Balance Transfer Fees

3% or $10, whichever is greater.

Bank of America Cash Rewards Card
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card description

Rewards Rate

  • $200 Bank of America credit card rewards bonus opportunity.
  • 1%-3% Bank of America cash back rewards, including 2% on grocery store purchases.
  • Verdict: The Bank of America Cash Rewards credit card is a good choice for earning up to 3% cash back on groceries or other purchases — as long as you don’t spend a lot.
Annual Fee

None

Foreign Transaction Fee

3%

APR

13.99% to 23.99%, 0% for the first 12 months

Penalty Fee

29.99%

Balance Transfer Fees

3% or $10, whichever is greater.

Capital One Savor Card
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card description

Rewards Rate

  • Everyone has to eat. The best way to do so for your health and your budget is usually cooking at home for yourself.
  • Big families tend to spend a lot on groceries.
  • That makes a grocery store cash back credit card a good choice.
Annual Fee

$95; $0 for the first year

Foreign Transaction Fee

None

APR

15.99%, 21.49% or 25.99%

Penalty Fee

None

Balance Transfer Fees

3% of the amount you transfer if you’re offered a promotional rate; no balance transfer fee if you aren’t offered a promotion.

American Express Gold Card
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card description

Rewards Rate

  • The American Express Gold card charges a hefty $250 annual fee. But its generous rewards and statement credits more than offset the yearly fee.
  • The Gold card is an especially good value for cardholders with big families.
  • This is a charge card, though. So, you’ll have to pay off most purchases in full.
Annual Fee

$250

Foreign Transaction Fee

None

APR

15.99% to 22.99% if you choose the Pay Over Time option

Penalty Fee

29.24%

Balance Transfer Fees

N/A

American Express Black Card
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card description

Rewards Rate

  • Often called the Black card, the American Express Centurion card is American Express’ ritziest credit card.
  • Its benefits are mostly secret. American Express doesn’t even bother to advertise them.
  • It costs $10,000 to get “initiated” and open the top-of-the-line credit card. Then you’ll have to pay a $5,000 annual fee to hold onto it.
  • You can’t apply for the infamous Black card even if you have $15,000 sitting around. It’s by invitation-only.
  • Its APR is steep for a card designed for the wealthy. You’ll be charged a 26.74% APR if you carry debt.
Annual Fee

$5,000 after you pay a $10,000 initiation fee

Foreign Transaction Fee

None

APR

26.74%

Penalty Fee

None

Balance Transfer Fees

N/A

American Express EveryDay Preferred
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card description

Rewards Rate

  • You can potentially get huge bonuses on everyday spending in exchange for an annual fee.
  • Two of American Express’ flagship rewards cards come in premium versions. The Blue Cash Preferred card and the EveryDay Preferred card charge a $95 annual fee in exchange for bigger bonuses.
  • Upgrading to a Preferred card might be a smart choice if you’re a big spender. But if you’re on a tight budget, you’re probably better off with a card with no annual fee.
Annual Fee

$95

Foreign Transaction Fee

2.7%

APR

12.99% to 22.99%, 0% for first 12 months

Penalty Fee

29.24%

Balance Transfer Fees

N/A

SoFi Credit Card
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card description

Rewards Rate

  • Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down on eligible loan with SoFi
  • When you make 12 on-time payments, we’ll lower your APR by 1%
  • Earn up to $100 when you open and fund a SoFi Money and a SoFi Invest account after getting approved for the SoFi Credit Card (See Terms).
Annual Fee

None

Foreign Transaction Fee

None

APR

12.99% - 24.99%

Penalty Fee

None

Balance Transfer Fees

None

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