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Cards offering 0% intro APR on new purchases for 12 to 18 months. Useful for a planned large purchase you want to spread across a year without interest. Set a payoff schedule on day one. The 0% window ends without warning, and the ongoing APR is steep.
A no-annual-fee business card that pays 5% on the categories most small offices already spend on, capped at $25,000 a year. The points are worth more if you also hold a Preferred or Sapphire card.
The simplest good card in the market. 2% on everything with no fee. The 3% foreign transaction fee makes it a poor pick abroad.
The best no-fee card for households that eat out and stream a lot. The grocery bonus is a meaningful upgrade over flat 2% cards.
The simplest Chase business card: 1.5% on everything, no annual fee and no categories to manage. It suits businesses whose spending does not line up with the Ink Cash bonus categories.
A no-fee cash-back card that punches well above its weight, especially when paired with a Sapphire that turns its cash back into transferable points.
One of the few no-annual-fee cards that pays 5% on categories most issuers ignore, such as home utilities and cell phone bills. It only works if you remember to re-select your categories every quarter, because unselected spending drops to 1%.
A fine starter card. The 1.5% rate trails the 2% flat cards, but no foreign transaction fee makes it the better no-fee pick for travel abroad.
A flat 2% on the first $50,000 of yearly spend with no annual fee, plus 12 months at 0% on purchases. The 2.7% foreign transaction fee makes it a poor fit for businesses that buy abroad.
A travel card that charges no annual fee, waives foreign transaction fees, and still includes a Priority Pass membership and a Global Entry or TSA PreCheck fee credit. U.S. Bank points do not transfer to airlines or hotels, so they are worth about a cent each no matter how you redeem.
The best no-fee category card for BofA banking customers. Preferred Rewards turns 3% into 5.25% on the category you spend the most on.
Flat 1.5% back with no annual fee, rising to as much as 2.62% for Preferred Rewards for Business members. The 3% international transaction fee makes it a poor fit for businesses that buy abroad.
A no-annual-fee dining card with a genuinely high 4X rate, held back by a $2,000 quarterly cap and a 3% foreign transaction fee. Points redeem at roughly a cent into a U.S. Bank account and cannot be transferred anywhere.
A no-annual-fee flat-rate card whose first-year Miles Match effectively doubles the 1.5x rate to 3x for 12 months. Miles are only worth 1 cent each and there are no transfer partners, and Discover acceptance is weaker outside the United States.
A genuinely fee-free business travel card. Booking through BofA's own travel portal earns 3x versus a flat 1.5x elsewhere, and Preferred Rewards for Business members can push that even higher.
The 2% category is narrow and capped at $1,000 a quarter, but doubling your entire first year of cash back with no minimum spend is real value on a card that charges no annual fee.
A flat 1.5% on everything is easy to use and the $250 bonus is solid for a no-fee card, but the 3% foreign transaction fee makes it a poor choice to carry when you travel abroad.
Three percent back on groceries, gas, and online shopping covers most household budgets, and the $0 fee means there's no math to do before you sign up. The $6,000 annual cap on each category is the only real limit.
Simplicity is the whole pitch here. 2x points on every purchase up to $50,000 a year beats most flat-rate business cards, and there's no annual fee to offset.
5% cash back on up to $1,500 a quarter in rotating categories beats most flat-rate cards if you remember to activate every three months, and the first-year cash back match makes the effective return even better.
Picking your own 3% category is genuinely useful for a small business with one dominant expense line, and the $50,000 combined annual cap is generous enough that most small businesses won't hit it.
Reflect isn't a rewards card, it's a debt-payoff tool. The 21-month 0% intro APR on purchases and balance transfers is among the longest available, and the tradeoff is simple: no bonus, no earn rate, just nearly two years to pay down a balance interest-free.
A debt-payoff card, not a rewards card. The 21-month transfer window is the entire point.
The best student card in year one because of Cashback Match, and Discover now layers on a $100 statement credit after $300 in spending during the first 3 months.
