Best Credit Cards of 2016

Published on Mar 21, 2016.

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Best Credit Cards of 2016

I WANT…	BEST CREDIT CARD	DETAILS
A $625 sign-up bonus for travel	Chase Sapphire Preferred^®	BONUS OFFER Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening REWARDS RATE 1.00% ANNUAL FEE Introductory Annual Fee of $0 the first year, then $95 INTRO APR None
A $625 sign-up bonus for travel
Travel rewards with no annual fee or foreign transaction fees	BankAmericard Travel Rewards® Credit Card	BONUS OFFER 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases REWARDS RATE 1.5 points per dollar ANNUAL FEE $0.00 INTRO APR 0% Introductory APR on purchases for 12 billing cycles

6% cash back on groceries and 3% cash back on gas	Blue Cash Preferred® Card from American Express	BONUS OFFER Special Offer – Get up to $350 back. Offer Ends 6/15/2016. REWARDS RATE 1.00% ANNUAL FEE $75 INTRO APR 0% on Purchases for 12 months and 0% on Balance Transfers for 12 months
6% cash back on groceries and 3% cash back on gas

Best Balance Transfer Credit Card Offers

I WANT…	BEST CREDIT CARD	DETAILS
Over a year of no interest and $0 intro balance transfer fee	Chase Slate^®	BONUS OFFER $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening REWARDS RATE 0.00% ANNUAL FEE $0 INTRO APR 0% Intro APR for 15 months on purchases and balance transfers

0% Intro APR on Balance Transfer and Cash Back Rewards	Discover it®- 18 Month Balance Transfer Offer	BONUS OFFER We’ll DOUBLE all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.* REWARDS RATE 1.00% ANNUAL FEE $0 INTRO APR 0% on purchases for 6 months and 0% on balance transfers for 18 months
0% Intro APR on Balance Transfer and Cash Back Rewards
One of the longest 0% intro APR periods available	Citi Simplicity® Card – No Late Fees Ever	BONUS OFFER 0% on purchases and balance transfers for 21 months REWARDS RATE 0.00% ANNUAL FEE $0* INTRO APR 0% on purchases and balance transfers for 21 months
One of the longest 0% intro APR periods available

Best Cash Back Credit Card Offers

I WANT…	BEST CREDIT CARD	DETAILS
Up to 75% in rewards bonus with Bank of America Preferred Rewards	BankAmericard Cash Rewards™ Credit Card	BONUS OFFER $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening REWARDS RATE 1.00% ANNUAL FEE $0.00 INTRO APR 0% Introductory APR on purchases for 12 billing cycles and 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

5% cash back categories with a cash sign-up bonus	Chase Freedom^®	BONUS OFFER Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening REWARDS RATE 1.00% ANNUAL FEE $0 INTRO APR 0% Intro APR for 15 months on purchases and balance transfers
5% cash back categories with a cash sign-up bonus
6% cash back on groceries and 3% cash back on gas	Blue Cash Preferred® Card from American Express	BONUS OFFER Special Offer – Get up to $350 back. Offer Ends 6/15/2016. REWARDS RATE 1.00% ANNUAL FEE $75 INTRO APR 0% on Purchases for 12 months and 0% on Balance Transfers for 12 months
6% cash back on groceries and 3% cash back on gas
Earn 1% cash back when you buy and 1% when you pay	Citi®Double Cash Card	BONUS OFFER The only card that earns you cash back twice on every purchase REWARDS RATE Earn 1% when you make purchases and then another 1% cash back as you pay ANNUAL FEE $0 INTRO APR 0% on purchases and balance transfers for 15 months*
Earn 1% cash back when you buy and 1% when you pay

Best Travel No Foreign Transaction Fee Credit Cards

I WANT…	BEST CREDIT CARD	DETAILS
A $625 sign-up bonus for travel	Chase Sapphire Preferred^®	BONUS OFFER Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening REWARDS RATE 1.00% ANNUAL FEE Introductory Annual Fee of $0 the first year, then $95 INTRO APR None
A $625 sign-up bonus for travel
2x travel rewards with easy redemption	Capital One® Venture® Rewards Credit Card	BONUS OFFER Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel REWARDS RATE 2 miles ANNUAL FEE $0 intro for first year; $59 after that INTRO APR None
2x travel rewards with easy redemption
No annual fee, no foreign transaction fees, and Chip	BankAmericard Travel Rewards® Credit Card	BONUS OFFER 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases REWARDS RATE 1.5 points per dollar ANNUAL FEE $0.00 INTRO APR 0% Introductory APR on purchases for 12 billing cycles
No annual fee, no foreign transaction fees, and Chip

Best Rewards Credit Card Offers

I WANT…	BEST CREDIT CARD	DETAILS
A $625 sign-up bonus for travel	Chase Sapphire Preferred^®	BONUS OFFER Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening REWARDS RATE 1.00% ANNUAL FEE Introductory Annual Fee of $0 the first year, then $95 INTRO APR None
A $625 sign-up bonus for travel
6% cash back on groceries and 3% cash back on gas	Blue Cash Preferred® Card from American Express	BONUS OFFER Special Offer – Get up to $350 back. Offer Ends 6/15/2016. REWARDS RATE 1.00% ANNUAL FEE $75 INTRO APR 0% on Purchases for 12 months and 0% on Balance Transfers for 12 months
6% cash back on groceries and 3% cash back on gas
5% cash back, free FICO scores, and a competitive APR offer	Discover it®- 18 Month Balance Transfer Offer	BONUS OFFER We’ll DOUBLE all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.* REWARDS RATE 1.00% ANNUAL FEE $0 INTRO APR 0% on purchases for 6 months and 0% on balance transfers for 18 months
5% cash back, free FICO scores, and a competitive APR offer

Best Low Interest Credit Card Offers

I WANT…	BEST CREDIT CARD	DETAILS
Over 1 year of 0% interest and a low ongoing APR	BankAmericard® Credit Card	BONUS OFFER None REWARDS RATE No rewards ANNUAL FEE $0.00 INTRO APR 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Over 1 year of 0% interest and a low ongoing APR
Over a year of 0% APR with a $0 intro balance transfer fee	Chase Slate^®	BONUS OFFER $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening REWARDS RATE 0.00% ANNUAL FEE $0 INTRO APR 0% Intro APR for 15 months on purchases and balance transfers
Over a year of 0% APR with a $0 intro balance transfer fee
One of the lowest interest rates available	Barclaycard® Ring MasterCard®	BONUS OFFER A low variable APR on balance transfers and purchases REWARDS RATE 0.00% ANNUAL FEE $0 INTRO APR N/A
One of the lowest interest rates available
An introductory 0% APR no late payment fees ever	Citi Simplicity® Card – No Late Fees Ever	BONUS OFFER 0% on purchases and balance transfers for 21 months REWARDS RATE 0.00% ANNUAL FEE $0* INTRO APR 0% on purchases and balance transfers for 21 months
An introductory 0% APR no late payment fees ever

Best Small Business Credit Card Offers

I WANT…	BEST CREDIT CARD	DETAILS
Top rewards and a $750 sign-up bonus	Ink Plus^® Business Credit Card	BONUS OFFER Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards® REWARDS RATE 1.00% ANNUAL FEE $95 Annual Fee INTRO APR None
Top rewards and a $750 sign-up bonus
Cash back with no fees	Ink Cash^® Business Credit Card	BONUS OFFER Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening REWARDS RATE 1.00% ANNUAL FEE $0 INTRO APR 0% Intro APR for 12 months on purchases and balance transfers
Cash back with no fees
Best benefits for business travellers	The Business Platinum Card® from American Express OPEN	BONUS OFFER Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership REWARDS RATE 1.00% ANNUAL FEE $450 INTRO APR None
Best benefits for business travellers
Best for Average Credit	Capital One® Spark® Classic for Business	BONUS OFFER Earn 1% cash back on every purchase, every day REWARDS RATE 1.00% ANNUAL FEE $0 INTRO APR None
Best for Average Credit
Best for Business Cash Rewards	Capital One® Spark® Cash for Business	BONUS OFFER Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months REWARDS RATE 2.00% ANNUAL FEE $0 intro for first year; $59 after that INTRO APR None
Best for Business Cash Rewards

Best for Average & Fair Credit

I WANT…	BEST CREDIT CARD	DETAILS
1.5% cash back on all purchases	Capital One® QuicksilverOne® Cash Rewards Credit Card	BONUS OFFER Earn unlimited 1.5% cash back on every purchase, every day REWARDS RATE 1.50% ANNUAL FEE $39 INTRO APR 0% intro on purchases until January 2017 and 0% intro on balance transfers until January 2017
1.5% cash back on all purchases
Over a year of no interest and $0 intro balance transfer fee	Chase Slate^®	BONUS OFFER $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening REWARDS RATE 0.00% ANNUAL FEE $0 INTRO APR 0% Intro APR for 15 months on purchases and balance transfers

Best Credit Cards for Building & Rebuilding Credit

I WANT…	BEST CREDIT CARD	DETAILS
Low fee secured credit card	Capital One® Secured MasterCard®	BONUS OFFER You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required REWARDS RATE 0.00% ANNUAL FEE $0 INTRO APR None
Low fee secured credit card
Low annual fee for a secured credit card	US Bank Secured Card	BONUS OFFER None REWARDS RATE 0.00% ANNUAL FEE $29 INTRO APR None
Low annual fee for a secured credit card
Start building your credit	Citi Secured MasterCard	BONUS OFFER None REWARDS RATE 0.00% ANNUAL FEE $25 INTRO APR None
Start building your credit

Best College Student Credit Card Offers

I WANT…	BEST CREDIT CARD	DETAILS
2X Rewards on dining and entertainment	Citi ThankYou® Preferred Card for College Students	BONUS OFFER Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership. REWARDS RATE 1 point per Dollar ANNUAL FEE $0 INTRO APR 0% on purchases for 7 months
2X Rewards on dining and entertainment

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