Best Visa Travel Cards
Best Midrange Visa For Travel Rewards
Chase Sapphire Preferred® Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining – while charging a modest annual fee.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
It’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through the Chase Travel portal
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa For Premium Travel
Capital One Venture X Rewards Credit Card
On Capital One's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Our Expert Take
Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 10x Reward Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$550
Regular APR
22.49%-29.49% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel through Chase Travel℠ nets you a 50% bonus.
Expert Commentary
Lori Zaino
Credit Cards Writer
A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.
Lori Zaino
Lori Zaino
Credit Cards Writer
A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.
Credit Cards Writer
The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points transfer to valuable airline and hotel partners
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa For Hyatt Loyalists
The World of Hyatt Credit Card
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 9X Reward Rate
Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you useRead More
Welcome Bonus
Up to 60,000 Bonus Points
Annual Fee
$95
Regular APR
21.49% - 28.49% variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
While Hyatt doesn’t have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you are a regular at Hyatt, a combination of high point redemption values, sweet perks and one free night stay per year will easily cover the annual fee and then some.
Expert Commentary
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Barbara King
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Credit Cards Writer
For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.
Pros & Cons
- Annual free night certificate on cardmember anniversary
- Complimentary World of Hyatt Discoverist status
- High points redemption values
- Generous welcome bonus
- Limited number of properties
- No worthwhile redemption options aside from Hyatt properties
- No intro APR offer
Card Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa For Frequent Wyndham Guests
Wyndham Rewards Earner® Plus Card *
4.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 6X Reward Rate
Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; EarnRead More
Welcome Bonus
100,000 bonus points
Annual Fee
$75
Regular APR
20.99% - 29.99% variable
Credit Score
Excellent/Good Credit(700 - 749)
Our Expert Take
The Rewards Earner® Plus Card is a good match for casual frequenters of Wyndham properties looking for some perks. It’s easy to earn the welcome bonus, and instant Wyndham Rewards Platinum status is a nice benefit.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Wyndham loyalists will enjoy the array of perks and benefits offered by the Wyndham Earner Plus card. By providing complimentary PLATINUM loyalty status, this card is primed to ensure an enhanced experience at Wyndham’s 9,000+ properties.
Pros & Cons
- Automatically receive Wyndham Rewards Platinum elite status
- No foreign transaction fee
- Enjoy extra discounts on local attractions when booking “Go Free” awards
- APR can be high, depending on your creditworthiness
- Target and Walmart only earn 1 point per dollar spent
- Only hotel redemptions offer good value
Card Details
- Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of account opening. Resort fees may apply
- Earn 6 points per $1 spent on hotels by Wyndham and gas purchases
- Earn 4 points per $1 spent on dining and groceries (excluding Target and Walmart)
- Earn 1 point per $1 spent on all other purchases
- Receive Wyndham Rewards PLATINUM membership, which includes early check-in, car rental upgrades and more
- Receive 7,500 bonus points each anniversary year
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of account opening. Resort fees may apply
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa For Transatlantic Discounts
British Airways Visa Signature® Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
Earn 85,000 Avios.
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Those who frequently travel British Airways will appreciate this card’s robust welcome bonus and the chance to earn a companion ticket. There is a modest annual fee.
Expert Commentary
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Ben Nickel-D'Andrea
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Credit Cards Writer
Those who spend enough to earn the Travel Together Ticket can get 50% off the price of their award ticket when traveling solo or get a second seat on the same flight and cabin for a companion at no additional cost beyond taxes and fees. Travel Together Tickets are now valid on British Airways, Iberia and Aer Lingus flights and any of their subsidiaries on itineraries from anywhere in the world for both one-way or round-trip flights.
Pros & Cons
- Generous rewards on eligible flights
- Potential to earn a companion ticket
- Lucrative welcome bonus
- No foreign transaction fee
- Rewards rate poor outside of Avios-earning airlines
- Subject to Chase’s 5/24 rule
- No checked baggage or lounge perks
Card Details
- Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, youll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 4X Reward Rate
Earn 4 miles per $1 spent on United® purchases; Earn 2 miles per $1 spent on all other travel andRead More
Welcome Bonus
Earn 90,000 bonus miles
Annual Fee
$525
Regular APR
21.99% - 28.99% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
United’s top-tier card offering ups its game with 4 miles per dollar earnings on United purchases. A suite of travel perks makes the card an even better value, with the United Club membership alone worth more than the annual fee.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
If reaching a higher status with United is a priority, the United Club Infinite all but guarantees it, as long as the card is used regularly. Cardholders also enjoy frequent seat upgrades (depending on route and availability) plus always-free United Club access. But these perks come with a hefty price tag.
Pros & Cons
- No foreign transaction fee
- United Club membership is worth more than the annual fee
- First and second checked bag free when you pay for your flight with your card
- Very high annual fee
- No intro APR offer
- High regular APR
Card Details
- Limited-time offer: Earn 90,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United®purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
Limited-time offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best For Robinhood Gold Subscribers
Robinhood Gold Card *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5% cashback per dollar spent on travel booked through the Robinhood travel portal. Earn 3% cashback on all otherRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
20.24% - 29.99% variable
Credit Score
Good/Excellent(700 - 749)
Editor's Take
For those interested in investing, or already part of Robinhood’s platform, the Robinhood Gold Card* earns best-in-class cash back with no annual fee or foreign transaction fees. There’s no welcome offer, but the ongoing rewards could make up for it, depending on your spending habits.
Pros & Cons
- Impressive flat-rate cash back with no earning caps
- No annual or foreign transaction fees
- No age restriction on authorized users to help young people build credit
- Simplified earning structure with no complex bonus categories
- Available exclusively to Robinhood Gold subscribers
- No transfer partners or simple ways to maximize point valuation
- No welcome offer
Card Details
- Earn 5% cashback on travel booked through the Robinhood travel portal
- Earn 3% cashback on all other purchases
- No annual fee
- Trip interruption protection
- No foreign transaction fees
- Roadside Dispatch
- Visa Signature concierge service
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa Credit Cards With Introductory APRs
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Those seeking a balance transfer card will likely appreciate that the Wells Fargo Reflect Card offers a generous introductory APR period on purchases and qualifying balance transfers. However, the card doesn’t offer rewards or other notable benefits, so give it a pass if you don’t need a long introductory APR period.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Wells Fargo Reflect includes decent roadside dispatch and cellular telephone protection, but the most compelling card benefit is the generous intro balance transfer offer upon account opening.
Pros & Cons
- Generous introductory APR period for purchases and qualifying balance transfers
- $0 Annual Fee
- No rewards program or welcome bonus
- Balance transfer fee: 5%, min: $5
- 3% Foreign transaction fee
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account creditwhenyou shop, dine, or enjoy an experience simply by usingan eligibleWells Fargo credit card.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa For Long 0% Intro APR Period
U.S. Bank Visa® Platinum Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The U.S. Bank Visa® Platinum Card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.74% - 29.74% (Variable)
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The U.S. Bank Visa® Platinum Card offers a very lengthy intro APR rate and no annual fee. There are two caveats, which are the balance transfer fee and the lack of a rewards program. Still, the savings on interest during the introductory period can eclipse the fee.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Build credit easily with the U.S. Bank Visa Platinum, plus take advantage of one of the longest intro balance transfer periods.
Pros & Cons
- No penalty APR
- Long intro APR period
- Cellphone protection coverage is a handy benefit
- Balance transfer fee applies
- No rewards program
- No welcome bonus
- Foreign transaction fee
Card Details
- Up to $600 cell phone protection (subject to $25 deductible) against damage or theft when you pay your monthly phone bill with your card. Terms, conditions, and exclusions apply
- Ability to choose a payment due date that fits your schedule
- No annual fee
- Introductory APR offer
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Visa With 0% Intro APR
Bank of America® Customized Cash Rewards credit card
On Bank of America's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
It’s all about choice with the Bank of America® Customized Cash Rewards credit card. Not only do you get to choose your top bonus category, but you can change it every month if you want. You’ll find the most value in this card if you’re also a member of Bank of America’s Preferred Rewards program by receiving a 25%-75% earning bonus on everything you buy.
Pros & Cons
- Bank of America Preferred Rewards clients earn 25% to 75% more cash back
- Decent rewards earning potential
- Option to change 3% bonus category monthly
- Bonus rewards have quarterly caps
- High balance transfer fee
- Foreign transaction fee
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% Intro APR Visa For Low Spending
U.S. Bank Cash+®Visa Signature®Card
On U.S. Bank's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On U.S. Bank's Website
Up to 5% Reward Rate
Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 5% cashRead More
Welcome Bonus
$200 bonus
Annual Fee
$0
Regular APR
19.49% - 29.74% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
Considering that the U.S. Bank Cash+® Visa Signature® Card has no annual fee, it offers impressive cash back rewards potential. One caveat – be sure to opt into your preferred bonus categories each quarter, or you’ll be stuck with the base rate of 1%.
Pros & Cons
- Up to 5% cash back in eligible categories
- 2% cash back in different eligible categories
- Welcome bonus
- 0% intro on purchases for 15 billing cycles
- No annual fee
- 5% cash-back rate limited to first $2,000 in combined purchases in chosen categories each quarter
- You have to choose your 5% categories, meaning you can miss out on elevated rewards
- Foreign transaction fee
Card Details
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% – 29.74%.
- No Annual Fee
- Terms and conditions apply.
$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visas For Fair Credit
Best Visa With Travel Rewards For Fair Credit
Credit One Bank Wander® Card
Apply Now
On Credit One Bank's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Credit One Bank's Website
Up to 10X Reward Rate
Earn 10X points on eligible hotels and car rentals booked through the Credit One Bank travel site; earn 5X pointsRead More
Welcome Bonus
N/A
Annual Fee
$95
Regular APR
29.74% Variable
Credit Score
Fair/Good(650 - 699)
Our Expert Take
The Wander is the rare card that combines high-value travel and gas earnings and only average credit needed to apply.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Credit One Bank Wander Card offers lucrative points-earning opportunities within key travel categories, however, its extra perks and benefits fall short when compared to other premium credit cards.
Pros & Cons
- No foreign transaction fees
- High reward potential
- Issuer advertises requiring an average minimum credit rating
- $95 annual fee
- No low introductory APR period
- High 29.74% Variable APR
Card Details
- Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
- Earn 5x points on eligible travel, dining, and gas
- Earn 1x points on all other purchases
- Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Free Online Credit Score and Credit Report summary, terms apply
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
- See Rates & Fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Visa For Fair Credit
BPme Rewards Visa® *
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 15 cents off every gallon of bp and Amoco fuel purchases; Earn 5% cash back on non-fuel bp andRead More
Welcome Bonus
30 Cents off
Annual Fee
$0
Regular APR
31.99% fixed
Credit Score
Fair/Average(650 - 699)
Our Expert Take
If you get most of your fuel from bp or Amoco and want to build credit while saving on gas, the BPme Rewards Visa®* is a solid choice. There’s no annual fee and a few extra bonus categories to maximize your rewards.
Pros & Cons
- Discount on BP and Amoco fuel
- Solid cash-back rewards program
- No annual fee
- Fuel discount is brand-specific
- Extremely high APR
- Foreign transaction fee
Card Details
- 15 cents off every gallon automatically on bp and Amoco fuel purchases
- 5% cash back on non-fuel purchases at bp and Amoco stores (including convenience store and car wash purchases)
- Special intro offer: 30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening
- 3% cash back on grocery purchases, 3% cash back on dining purchases (including restaurants, take-out, and food delivery services) and 1% cash back on all other qualifying purchases
30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening, 15 cents off after the first 60 days
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa Credit Card For Limited Credit History
Best Visa For Customers New To Credit Cards
Chase Freedom Rise℠
On Chase Bank USA, NA's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5X Reward Rate
Earn 1.5% cash back on every purchase.
Welcome Bonus
$25 statement credit
Annual Fee
$0
Regular APR
26.99% Variable
Credit Score
New To Credit / Limited Credit
Our Expert Take
The Chase Freedom Rise is one of the best entry-level credit cards and a powerful way to start building your credit. There’s no annual fee and the card earns modest rewards. Plus, there’s a path to higher credit lines in as little as six months.
Pros & Cons
- Unlimited 1.5% cash back on every purchase
- $0 annual fee
- Trip cancellation/interruption coverage
- 5% back on Lyft rides through March 31, 2025
- Low-cost financing on purchases over $100 with Chase Pay Over Time℠
- No bonus categories (except for Lyft)
- High APR
- Foreign transaction fee of 3%of the amount of each transaction in U.S. dollars.
- May not be eligible for balance transfers
- Increased odds of approval for depositing money in a Chase checking account, which requires an extra step that may or may not help you get the card
Card Details
- Increase your approval chances – Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise℠
- Earn Cash Back – With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
- Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
- Credit Limit Increase – As a Chase cardmember, you’ll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise℠ Card
- Free Credit Score – Track your credit score and learn how to build it with Chase Credit Journey.
- No Annual Fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Rise℠ card.
- Member FDIC
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa Cards For Students
Best Cash-Back Visa For Students
Bank of America® Customized Cash Rewards credit card for Students
On Bank of America's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
This card scores an ‘A+’ for students in need of an intro APR offer and no annual fee, while still earning impressive cash-back rewards.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
This card offers valuable cash-back rewards to responsible students with good to excellent credit. The savviest cardholders will pay close attention to their top spending category to maximize their quarterly 3% cash back option.
Pros & Cons
- Free FICO® Score access
- Intro APR offer with a generous term
- Competitive cash-back reward rates
- Solid welcome bonus
- 3% foreign transaction fee
- Higher penalty APR applies to late payments
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa Cards For Bad Credit
Best Cash-Back Visa To Rebuild Credit
Bank of America® Customized Cash Rewards Secured Credit Card *
3.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3% Reward Rate
Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug storesRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
New to Credit
Our Expert Take
A secured card with no annual fee and the ability to earn rewards, this Bank of America card can provide a way forward for those needing to build their credit profile.
Pros & Cons
- No annual fee
- Earns cash-back rewards on eligible purchases
- Potential for an upgrade to an unsecured card
- The rewards system can be complicated to track
- An opening deposit of $200 is required
- There’s a foreign transaction fee
Card Details
- Earn 3% cash back in the category of your choice: gas and EV charging, online shopping, dining, travel, drug stores, or home improvement & furnishings
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn unlimited 1% cash back on all other purchases
- You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- A minimum refundable security deposit of $200 (maximum of $5,000) is required to open this account
- Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
- No annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best For Travelers Looking to Establish Or Reestablish Credit
Bank of America® Travel Rewards Secured Credit Card *
2.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
1.5X Reward Rate
1.5 points per dollar on all other purchases and 3 points per dollar on purchases made through the Travel Center.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
28.24% variable
Credit Score
Limited, Bad, Fair(0 - 649)
Our Expert Take
If you’re looking to rebuild your credit, the Bank of America® Travel Rewards Secured Credit Card* offers rewards and no annual fee while doing so, which is a rare combination.
Pros & Cons
- Unlimited 3 points per dollar on purchases made through the Travel Center and 1.5 points per dollar on all other purchases
- No blackout dates or restrictions on travel rewards
- Points never expire as long as the card stays open
- $0 foreign transaction fee
- Requires a deposit
- High variable APR
- Poor cash-back redemption rate
Card Details
- No annual fee or foreign transaction fees
- Earn 1.5 points per dollar spent on general purchases with a bonus for purchases through the Bank of America Travel Center
- Security deposits of $200 – $5,000 required
- Periodic account reviews with the potential to qualify for a returned security deposit
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Visa Business Cards
Best Hotel Visa For Businesses
World of Hyatt Business Credit Card
On Chase Bank USA, NA's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
60,000 Bonus Points
Annual Fee
$199
Regular APR
21.49% - 28.49% variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The World of Hyatt Business Credit Card marries an ongoing earnings structure with the ability to use card spending as an extra boost toward earning status with the chain.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
This card is strategic for any Hyatt loyal business owner, but especially for those chasing Hyatt status. With its ability to earn five elite nights for every $10,000 spent on the card, cardholders are given an easier path toward valuable Globalist status via spending, making it a great complement to nights actually spent in Hyatt hotels.
Pros & Cons
- Welcome bonus
- Solid earnings rates
- Automatic Discoverist status
- Annual fee
- Low earning rate for non-bonused spending
- Base level status with the card offers limited benefits
Card Details
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
- Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Rewards For No Annual Fee
U.S. Bank Triple Cash Rewards Visa® Business Card *
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; Earn 3% cashRead More
Welcome Bonus
$500 cash back
Annual Fee
$0
Regular APR
19.24% - 28.24% variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Even without the balance transfer option the U.S. Bank Triple Cash Rewards is an attractive option with a generous welcome bonus and enhanced earnings in categories that align with many businesses’ spending. The extended introductory 0% APR period is icing on an already tasty cake.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Triple Cash Visa Business card is a strong option for businesses that have minimal travel needs and who are looking to maximize their cash-back earnings across a variety of spend categories. As a bonus, it offers a $100 software credit.
Pros & Cons
- No annual fee
- Earn 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cell phone service providers and restaurants.
- Introductory APR on purchases and balance transfers
- Reward categories may not align with how some businesses spend
- Foreign transaction fee
- There’s a balance transfer fee which can eat into your savings when transferring a balance
Card Details
- Earn $500 cash back after spending $4,500 in the first 150 days of opening the account
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the travel rewards center, 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants. Plus, earn 1% cash back on all other eligible purchases
- No annual fee
- $100 annual software credit for recurring software subscription expenses
Earn $500 in cash back after spending $4,500 in the first 150 days of opening the account.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Visa Business Card
Ink Business Cash® Credit Card
On Chase Bank USA, NA's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More
Welcome Bonus
Earn up to $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Offers enticing cash rewards for those with significant business-related spending, with an added bonus of 0% introductory APR on purchases for the first 12 months of opening your account.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit. But if your regular monthly business expenses are primarily in other categories, you may find the Ink Cash’s sister card, the Ink Business Unlimited, to be a better choice for your needs.
Pros & Cons
- No additional fee for employee cards
- High rewards rates in select bonus categories
- Generous welcome bonus
- High cash advances & balance transfer fees
- Spending cap on bonus categories
- Low rewards rates outside of bonus categories
Card Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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 purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flat-Rate Business Visa Card
Ink Business Unlimited® Credit Card
On Chase Bank USA, NA's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Easy is the word that best describes the Ink Business Unlimited. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Best of all, if you want to convert your rewards from cash back to travel points, you can combine the rewards earned from this card with one of Chase’s other premium credit cards and get access to Chase’s valuable transfer partners.
Pros & Cons
- Unlimited 1.5% cash back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
- High foreign transaction fees
- Not a good card for balance transfers
Card Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Southwest Loyalists
Southwest® Rapid Rewards® Premier Business Credit Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel andRead More
Welcome Bonus
Earn 60,000 points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Here is the card of choice for business fliers on Southwest who want to earn rewards, but don’t want to pay a higher annual fee for some extra perks. The signup bonus will get you halfway to the cherished companion pass, and you’ll earn tier qualifying points toward A-list status.
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
This card is an excellent pairing to a Southwest personal card for anyone aiming to earn a coveted Southwest Companion Pass while taking on a lower annual fee. But for the more loyal Southwest passenger, the Southwest Rapid Rewards Performance Business card, with its added perks and higher welcome offer, is likely the better option.
Pros & Cons
- Generous welcome bonus
- High rewards rate on several methods of travel
- Annual 6,000 points bonus
- $99 annual fee
- Travel insurance protections are limited to baggage
- Increased point earnings on hotel and car rentals are limited to Rapid Rewards partners
Card Details
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
