Overview

Citi Strata Premier^℠ Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $750 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.

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Citi Strata Premier^℠ Card

• For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

For a limited time, if you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 75,000 points, which can be redeemed for $750 in cash rewards or gift cards at thankyou.com. Earning the bonus of $750 value is like receiving a 18.75% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 75,000 points bonus rewards.

How to Earn Rewards

You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.

For instance, if you spend $5,000 on gas, $5,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 100,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.

$100 Annual Hotel Savings Benefit

Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.

Additional Information

Fees

This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.

Required Credit Rating

The Citi Strata Premier Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

Is this the right card for you?

If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier^℠ Card is one of the best credit cards for that purpose. You can earn a generous bonus of 75,000 points points, redeemable for $750, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier^℠ Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.

Similar Credit Cards with Bonus Rewards

If you are interested in the Citi Strata Premier^℠ Card, you may also consider the following credit cards with similar benefits.

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$95
	Chase Sapphire Reserve®	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$550
	American Express® Gold Card	60,000 Membership Rewards points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	$325 rates & fees
	The Platinum Card® from American Express	80,000 Membership Rewards Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	$695 rates & fees

Credit Card Bonus valued at $250 or $300

Credit Card		Bonus	Annual Fee
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$0 intro annual fee for the first year, then $95. rates & fees
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.	$95 (rates & fees)
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	$0 rates & fees

Credit Card Bonus valued at $200

Credit Card		Bonus	Annual Fee
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.	$0 (rates & fees)
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days	$0

The post Citi Strata Premier Card Review – 75,000 Bonus Points and 3X Rewards appeared first on CardBenefit.

Overview

Chase Sapphire Preferred Card is a premier travel credit card designed to deliver exceptional experiences. Upon meeting specified spending requirements, you can earn an enticing bonus of 60,000 points, redeemable for $750 in Chase Travel^℠ value. Notably, you can accumulate up to 5 points per dollar spent on travel and 3 points per dollar on dining purchases. Setting itself apart, this card allows for a 1:1 transfer of points to a selection of renowned frequent flyer programs or hotel loyalty programs.

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Chase Sapphire Preferred^® Card

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• 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, 2027.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$95

Credit Needed

Good to Excellent

Card Benefits

Sign-up Bonus

Chase Sapphire Preferred Card is currently running a limited time offer to give out a bonus of up to $750 in Chase Travel value. If you spend at least $4,000 in purchases within your first 3 months of becoming a card member, you will receive a bonus of 60,000 points, which can be redeemed for cash rewards of $600. If you redeem for travel rewards through Chase Travel, you can redeem for $750. Redemption for travel gives you 25% more in value than redemption for cash rewards. In addition, you can also receive a $50 Chase Travel Hotel Credit annually to pay towards hotel expenses.

Earn Rewards

For every dollar you spend, you will earn 5 points on travel purchased through Chase Travel, 3 points on dining, 3 points on online grocery purchases (excluding Walmart, Target, and wholesale clubs), 3 points on select streaming services, 2 points on all other travel purchases, and 1 point on all other purchases. Points can be redeemed for cash rewards, gift cards, or travel. When you use points to redeem for cash, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth 1.25 cents, which means that 100 points equals $1.25 in redemption value.

Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy.

1:1 Point Transfer to Leading Frequent Travel Programs

Chase Sapphire Preferred Card allows you to transfer points to leading frequent travel programs at a full 1:1 value with no transfer fees. Frequent travel programs include popular travel loyalty programs of the following airlines and hotels:

Additional Travel Benefits

On top of all the nice features, Chase Sapphire Preferred Card does not charge foreign transaction fees. Most other credit cards charge 3% foreign transaction fees, which costs you extra $30 for each $1,000 you spend while traveling abroad. With no foreign transaction fees, Chase Sapphire Preferred Card is one of the best travel cards to use when you visit overseas for business trips or personal vacations.

Additional Information

Fees

There is an annual fee of $95. With all the travel benefits and a generous bonus, frequent travelers can easily earn enough rewards to offset the cost of annual fee.

Required Credit Rating

The Chase Sapphire Preferred Card is for people with good or excellent credit rating. If you have a credit score of 700 or more, you may be eligible for the credit card.

Is this the right card for you?

If you value rewards and like travel benefits such as 1-to-1 point transfer to travel loyalty programs, the Chase Sapphire Preferred Card is the right card for you. It is a travel credit card with no foreign transaction fees. It offers solid rewards on travel and dining purchases.

This credit card has a low annual fee of $95, but it offers rich bonus points for new card members, which can offset more than a few years of annual fee. In addition, its generous rewards and valuable travel perks make it a useful credit card for travelers.

Similar Credit Cards

If you are interested in the Chase Sapphire Preferred Card, you may also consider a few other travel credit cards with similar benefits.

Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

The post Chase Sapphire Preferred Card Review appeared first on CardBenefit.

Overview

If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, issued by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. It allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. As of October 2024, it is running a special offer to give out 5% cash back on eligible travel purchases through 12/31/25. The card also features no annual fee and 0% introductory APR on balance transfers for the first 18 months.

Card Summary

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Card Benefits

Special Offer: $200 Cash Back Bonus

Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

Cash Back: How Citi Double Cash Works

By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

In addition, Citi Double Cash Card is running a special travel offer to let you earn 5% cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.

Illustratively, if your annual card spending amounts to $30,000, including $6,000 in eligible travel purchases of 5% cash back, you will receive $780 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

0% Introductory APR

Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 18.49% - 28.49% (variable) applies.

Fees

Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

Required Credit Rating

Citi Double Cash Card is tailored for individuals with an excellent, good, or fair credit profile.

Bottom Line

To recap, here are the main pros and cons when considering Citi Double Cash Card:

Pros

Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

Acceptance: Citi Double Cash Card is a Mastercard, which is accepted at nearly every merchant that accepts credit cards, both in the US and internationally.

Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

Cons

Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

Is this the right card for you?

If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

Similar Rewards Credit Cards

If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

2% Fixed Rate Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Synchrony Premier World Mastercard®	2% cash back* on every purchase--no categories, tiers, or limits--no kidding. Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.	$0
	TD Double Up℠ Credit Card	$100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening Unlimited 2% Cash Back on all eligible purchases	$0

No-Annual-Fee Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back. Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.	$0 (rates & fees)

0% APR Balance Transfer Credit Cards

Credit Card		0% APR	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months. After the intro period ends, the go-to rate of 17.49% - 28.24% (variable) applies. (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months (rates & fees)	$0 (rates & fees)

The post Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases appeared first on CardBenefit.

Overview

Total Visa Card is designed to assist individuals with poor credit or limited credit history in building or rebuilding their credit profiles. Issued by The Bank of Missouri, this credit card serves as a tool for credit improvement, particularly for those with a history of bankruptcy.

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Total Visa^® Card

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

See Terms*

Credit Needed

Fair / Bad

Card Benefits

One notable feature of the Total Visa Card is its accessibility, catering to individuals with less-than-ideal credit scores. It offers them an opportunity to improve their credit profiles. In addition, as an unsecured credit card, the card does not require a security deposit to open an account. This makes the card more accessible to a broader range of individuals.

The Total Visa Card typically comes with a low initial credit limit. However, the credit limit has the potential to increase over time with responsible use and on-time payments.

The card issuer reports cardholder activity to major credit bureaus on a monthly basis. Consequently, it offers cardholders an opportunity to positively impact their credit scores through responsible credit usage.

Furthermore, Total Visa Card offers 1% cash back on purchases, which helps you earn a little rewards while building credit. As a VISA card, the Total Visa Card is widely accepted by merchants worldwide. And its online account management features provide convenience, allowing cardholders to make payments, check balances, and monitor transactions.

Fees

It’s important for cardholders to be aware of the associated fees, as the Total Visa Card comes a one-time program fee of $95.00. It also has an annual fee of $75.00 for the first year, and $48.00 thereafter.

Is Total Visa Card the right card for you?

For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Similar to the Total Visa Card, a few other credit cards offer similar benefits.

Credit Card		Credit Building	Annual Fee
	Prosper® Card	No security deposit required Initial credit limit up to $3,000 While you wait for your Prosper Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com	$39 (waived for the first year if you sign up for autopay before your first statement)
	Revenued Business Card	Approvals based on your business revenue and not personal credit	$0
	OpenSky® Plus Secured Visa® Credit Card	New feature! Earn up to 10% cash back* on everyday purchases No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Secure your credit line with a refundable security deposit - as low as $300. Now you can make smaller partial payments towards funding your security deposit over 60 days	$0
	Destiny Mastercard®	All the benefits of a Mastercard, without a security deposit Reports to all three major credit bureaus	$175 the first year; $49 thereafter
	Reflex® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)	$75 - $125
	Surge® Platinum Mastercard®	Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)	$75 - $125
	FIT™ Platinum Mastercard®	$400 Initial Credit Limit Unsecured credit card requires No Security Deposit Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)	see terms

The post Total Visa® Card Review – Rebuild Credit with an Unsecured Card appeared first on CardBenefit.

Overview

For those seeking a no-annual-fee credit card to establish a credit history, Capital One Platinum Credit Card stands out as an excellent option. Designed as an unsecured credit card, it caters to individuals with average credit ratings. It offers them an opportunity to enhance their credit profiles. Notably, approval for this card is accessible with a FICO credit score in the 600s.

An advantageous feature of the Capital One Platinum Credit Card is its regular reporting to all three major credit reporting agencies. This provides users with the means to showcase their credit activity and progress. Additionally, the card offers the flexibility to increase the credit limit after five months of responsible use, which may contribute positively to the cardholder’s credit score.

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Capital One Platinum Credit Card

• No annual or hidden fees. See if you're approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Average, Fair, Limited

Card Benefits

If you have not established a credit profile yet, obtaining new credit lines or loans may pose a challenge. However, the Capital One Platinum Credit Card can be a valuable solution in such situations. As an unsecured credit card, it offers the advantage of not requiring a security deposit to open an account. This makes it particularly accessible for individuals with limited or no credit history, including those venturing into their first credit card experience.

Even if your credit score hovers in the 600s, a range where many card issuers might hesitate to grant unsecured credit, the Capital One Platinum Credit Card is tailored to the needs of individuals with average credit. This makes it a viable option for initiating the process of building your credit.

As a Mastercard, the card is widely accepted, which allows you to make purchases at most merchants worldwide. Moreover, the card automatically considers you for a higher credit line in as little as six months. This provides an opportunity for increased flexibility.

Furthermore, the card offers unlimited access to your credit score and tools through CreditWise from Capital One. This helps you monitoring and managing your credit profile. Additionally, the $0 Fraud Liability feature protects you against unauthorized charges, offering a layer of security against fraudulent purchases.

Fees

With no annual fee, the Capital One Platinum Credit Card emerges as an excellent choice for long-term ownership. This feature enhances its appeal, making it a favorable credit card for individuals who are new to building credit. The absence of an annual fee contributes to the card’s affordability. It makes the card a practical option for those looking to establish and maintain their credit history over an extended period.

Is this the right card for you?

For individuals with average or fair credit, the Capital One Platinum Credit Card presents a valuable opportunity to build credit without the burden of an annual fee. As an unsecured card, it eliminates the need for a security deposit. Consequently, it provides accessibility for those looking to strengthen their credit profiles. In addition, as a Mastercard, it offers widespread acceptance, allowing its users to make purchases nearly everywhere.

One of the noteworthy features of this card is its reporting to all three major credit bureaus — Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, especially timely payments, contributes positively to the cardholder’s credit history. For those aiming to establish credit, the Capital One Platinum Credit Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Like the Capital One Platinum Credit Card, a few other credit cards offer similar benefits.

Citi Double Cash Card: 2% Cash Rewards

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Total Visa Card: 1% Cash Back Unsecured Card

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Total Visa^® Card

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

See Terms*

Credit Needed

Fair / Bad

The post Capital One Platinum Credit Card Review appeared first on CardBenefit.

Overview

Citi Custom Cash^® Card, issued by our partner Citibank, is a cash back credit card that rewards you 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. There are no rotating bonus categories to sign up for. Citi Custom Cash Card also offers a $200 sign-up bonus and has no annual fee.

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Citi Custom Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel^℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash^® Card account per person.

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Card Benefits

$200 Cash Back Bonus Offer

With Citi Custom Cash Card, new cardholders can earn a welcome bonus of $200 cash just for using the card to pay for purchases of $1,500 or more in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Earning the $200 bonus cash is like receiving a 13.3% rebate on your first $1,500 in purchases.

Rewards Program

You will earn cash back rewards everywhere you go. The card pays you 5% cash back for each dollar, up to the first $500, in your highest spending category each billing cycle. After the first $500 spent in that category during the billing cycle, you will earn 1% cash back for each additional dollar you spend. Eligible spending categories include the following: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. For all other purchases, you will earn unlimited 1% cash back for each dollar you spend on purchases. You don’t need to sign up for any rotating bonus rewards categories. As your spending changes each billing cycle, your cash rewards adjusts automatically when you spend in any of the eligible categories.

For example, if you spend $6,000 on purchases that qualify for 5% cash back, and $4,000 on everything else in a year, you will receive $340 cash rewards for the year. You can use our cash back calculator to find out how much cash rewards you may receive.

0% Interest for 15 Months

Citi Custom Cash Card lets you have 0% interest on purchases and balance transfers for 15 months. After the introductory period, the go-to rate of 18.49% - 28.49% (variable) applies.

With 0% intro APR on purchases, you can charge expensive purchases to the card now and pay off the balance 15 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not need to pay any interest or fees for 15 months.

Furthermore, you can have 0% interest on balance transfers, which allows you to transfer existing balance of other credit cards to your new Citi Custom Cash Card. In this way, you can save money on interest fees by paying off current credit-card balance now and then paying no interest for 15 months on the Citi Custom Cash Card.

Interest and Fees

Citi Custom Cash Card carries no annual fee. You can earn cash back rewards without worrying about paying an annual fee to keep the card.

Required Credit Rating

The Citi Custom Cash Card is for people with excellent or good credit profile.

Is this the right card for you?

With no annual fee and an easy-to-understand rewards structure, Citi Custom Cash Card is a great payment card that is best for people who want to get more cash back on the things you buy every day. On top of the new account bonus of $200, you can earn up to 5% cash back on the purchases that you make most frequently.

Similar Rewards Credit Cards

If you are interested in Citi Custom Cash Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees

The post Citi Custom Cash Card Review – $200 Bonus and Up to 5% Cash Back appeared first on CardBenefit.

Overview

Citi Rewards+^® Card, issued by our partner Citibank, stands out as a distinctive personal card that consolidates several appealing features. New card members receive a modest bonus of 20,000 points, redeemable for $200 cash, and cardholders are rewarded for everyday purchases. Additionally, the card provides a 0% introductory APR on both purchases and balance transfers for a generous 15 months. Notably, these benefits are packaged without an annual fee. If you’re in search of a no-annual-fee credit card that allows you to earn commendable rewards on your routine expenses, Citi Rewards+ Card is a favorable option to consider.

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Citi Rewards+^® Card

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
• No Annual Fee

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

If you spend at least $1,500 in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 20,000 ThankYou Points, which can be redeemed for $200 in cash rewards or gift cards at thankyou.com.

How to Earn Rewards

For a limited time, you will earn 5 ThankYou Points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through December 31, 2025. And you will also earn 2 ThankYou Points for every dollar you spend at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter. For all other purchases, you will still earn 1 ThankYou Point for every dollar you spend.

For example, if you spend $6,000 on gas, $6,000 on groceries, $12,000 on everything else in a year, you will receive 36,000 ThankYou rewards points, redeemable for $360 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

Rounding up Rewards to the next 10 Points

Your rewards actually round up to the nearest 10 points on every purchase – with no cap. For example, you earn 10 points for a $2 purchase of coffee and earn 30 points for a $21 lunch. It means that in most circumstances, you will earn more rewards than the baseline rewards rates of 2 points per dollar for gas and groceries, and 1 point per dollar for everything else.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for $25. There are a wide variety of popular gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem the bonus points for a gift cards of your favorite retail store or restaurant.

Annual 10% Points Back

The Citi Rewards+^® Card lets you receive 10% points back for the first 100,000 ThankYou® Points that you redeem per year. For example, if you redeem 15,000 points for the year, you get 1,500 points back, which can be redeemed later.

Additional Information

Fees and 0% Intro APR

This credit card has no annual fee. You can keep the card without having to pay an annual fee. It also lets you enjoy 0% introductory APR on purchases and qualified balance transfers for 15 months. After the intro period ends, the go-to rate of 17.99% - 27.99% (variable) applies. You can use it to carry a credit-card balance and pay no interest for an extended period of 15 months, as long as you make the monthly minimum payments.

Required Credit Rating

The Citi Rewards+^® Card is for people with good or excellent credit scores.

Is this the right card for you?

If you are looking to earn straightforward rewards with well-rounded benefits, the Citi Rewards+^® Card is one of the best credit cards for you. It offers a generous bonus of 20,000 points, redeemable for $200 cash, and up to 5X rewards on purchases. It is the only credit card that automatically rounds up to the nearest 10 points on every purchase. It also lets you earn 10% bonus rewards points for the first 100,000 ThankYou Points you redeem per year. In addition, the Citi Rewards+^® Card has no annual fee.

Similar Credit Cards

If you are interested in the Citi Rewards+^® Card, you may also consider a few other credit cards with similar benefits.

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 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.	$95

Gas Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Costco Anywhere Visa® Business Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

Grocery Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees

No Annual Fee Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees

The post Citi Rewards+® Card Review – 20,000 Bonus Points and Big Rewards appeared first on CardBenefit.

Overview

For people looking to rebuild their credit with a credit card, there are several options, and a lot of them can be quite pricey. Capital One Platinum Secured Credit Card offers a no-cost option, thanks to its feature of no annual fee. Additional benefits to this card make it a good choice for consumers.

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Capital One Platinum Secured Credit Card

• No annual or hidden fees. See if you're approved in seconds
• Building your credit? Using the Capital One Platinum Secured card responsibly could help
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Limited, Bad

Card Benefits

Credit Building

With the Capital One Platinum Secured Credit Card, you don’t have to worry about spending getting out of hand, because you will get as much credit as you deposit into your account. You can deposit as little as $49 as a security deposit with Capital One. You can even deposit more money into your account to get a higher credit line.

That deposit is essentially a security on your credit, so it is fully refundable at any time if you decide to cancel your card. Since Capital One offers you the ability to increase your credit line based upon how much security deposit you have placed on the card, you can control how much credit you have available and how much you spend.

Credit Tracking
Capital One also offers cardholders a variety of online tools that they can use to track how their credit scores are improving. That’s because each cardholder of Capital One Platinum Secured Credit Card gets a free membership to CreditWise. CreditWise allows cardholders unlimited access to their credit scores and notification of any changes made to your credit report.

Higher Credit Lines
The longer cardholders keep the Capital One Platinum Secured Credit Card, the more credit they can apply for. Keep your Capital One Platinum Secured Credit Card, make on-time payments, and Capital One will increase your credit limit as a thank you.

Additional Information

Fees

The credit card has no annual fee. Cardholders can keep the card to use without worrying about paying an annual fee to maintain the account.

Required Credit Rating

The Capital One Platinum Secured Credit Card is for people with poor credit rating. If you have a credit score of less than 600, you may still qualify for the credit card.

Is this the right card for you?

The Capital One Platinum Secured Credit Card is a great opportunity to get your credit back on track. It is a Mastercard that can be used at millions of locations around the world. It has no annual fee, which makes it one of the best secured credit cards to help rebuilding credit.

Similar Credit Cards

If you are interested in the Capital One Platinum Secured Credit Card, you may also consider a few other credit cards for people with damaged credit.

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Total Visa® Card  Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	See Terms*	Fair / BadApply NowView Card Details
Earn 1% cash back rewards on payments made to your Total Credit Card Checking Account Required $300 credit limit (subject to available credit) No security deposit, simply pay a one-time $95 program fee to open your account.* User friendly Mobile App. *See Rates, Fees, Costs & Limitations for complete offer details See Total Card Visa Rewards Programs Terms & Conditions for details
OpenSky® Plus Secured Visa® Credit Card  Hide Benefits Show Benefits	29.24% (Variable) APR	N/A	$0	No Credit, Poor, FairApply NowView Card Details
New feature! Earn up to 10% cash back* on everyday purchases No annual fee No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Secure your credit line with a refundable security deposit - as low as $300. Easy application, apply in less than 5 minutes right from your mobile device Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule Now you can make smaller partial payments towards funding your security deposit over 60 days Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
OpenSky® Secured Visa® Credit Card  Hide Benefits Show Benefits	24.89% (Variable) APR	N/A	$35	No Credit, Poor, FairApply NowView Card Details
New feature! Earn up to 10% cash back* on everyday purchases No credit check to apply. Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Get free monthly access to your FICO score in our mobile application Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Fund your card with a low $200 refundable security deposit to get a $200 credit line Apply in less than 5 minutes with our mobile first application Choose the due date that fits your schedule with flexible payment dates Fund your security deposit over 60 days with the option to make partial payments Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
Merrick Bank Secured Credit Card  Hide Benefits Show Benefits	22.95% Variable APR	N/A	$36 for first year. Billed $3 per month thereafter	See Website For Details*Apply NowView Card Details
Choose your own credit line based on how much money you want to put down as a security deposit. Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000. After 9 months, we review your account for a credit line increase. No additional deposit required! Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds. Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies. Get your FICO® Credit Score for free each month. Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts. Card issued by Merrick Bank, Member FDIC.
Reflex® Platinum Mastercard®  Hide Benefits Show Benefits	35.90% Fixed APR	N/A	$75 - $125	Fair / Poor / Bad / LimitedApply NowView Card Details
Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
First Progress Platinum Select Mastercard® Secured Credit Card  Hide Benefits Show Benefits	18.49% (V) APR	N/A	$39	Poor / Limited / NoApply NowView Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.† †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Prestige Mastercard® Secured Credit Card  Hide Benefits Show Benefits	14.49% (V) APR	N/A	$49	Poor / Limited / NoApply NowView Card Details
Earn 1% Cash Back Rewards with First Progress Prestige! Apply now and fund your security deposit over 90 days with the option to make partial payments. You Can't Rebuild credit with a Debit Card. Try First Progress Today! † Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.† All credit types welcome to apply! †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Total Visa® Card

Apply Now
Rates & Fees

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required

• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

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OpenSky® Plus Secured Visa® Credit Card

Apply Now

• New feature! Earn up to 10% cash back* on everyday purchases
• No annual fee

• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Monitor your credit progress with free access to your FICO Credit Score.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Secure your credit line with a refundable security deposit - as low as $300.
• Easy application, apply in less than 5 minutes right from your mobile device
• Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
• *See Rewards Terms and Conditions for more information

Show More »

OpenSky® Secured Visa® Credit Card

Apply Now

• New feature! Earn up to 10% cash back* on everyday purchases
• No credit check to apply. Zero credit risk to apply!

• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
• *See Rewards Terms and Conditions for more information

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Merrick Bank Secured Credit Card

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• Choose your own credit line based on how much money you want to put down as a security deposit.
• Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.

• After 9 months, we review your account for a credit line increase. No additional deposit required!
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
• Get your FICO^® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
• Card issued by Merrick Bank, Member FDIC.

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Reflex® Platinum Mastercard®

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• Up to $1,000 Initial Credit Limit
• See if you Pre-Qualify with No Impact to your Credit Score

• Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
• Unsecured credit card requires No Security Deposit
• Perfect card for everyday purchases and unexpected expenses
• Monthly reporting to the three major credit bureaus
• Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
• Use your card everywhere Mastercard is accepted at millions of locations
• Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

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First Progress Platinum Select Mastercard® Secured Credit Card

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• Get a First Progress Select Card and Earn 1% Cash Back Rewards!
• Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time!

• Choose the First Progress Select Card for a lower annual fee!
• All credit types welcome to apply!
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.†
• †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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First Progress Platinum Prestige Mastercard® Secured Credit Card

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• Earn 1% Cash Back Rewards with First Progress Prestige!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.

• You Can't Rebuild credit with a Debit Card. Try First Progress Today! †
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.†
• All credit types welcome to apply!
• †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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The post Capital One Platinum Secured Credit Card Review – Build Credit and Control Spending appeared first on CardBenefit.

Overview

Costco Anywhere Visa^® Business Card by Citi, from our partner Citi, rewards small business owners who frequent Costco warehouses for business supplies. Cardholders can earn 2% cash back on purchases at Costco. In addition, cardholders can earn 3% back on travel and dining at restaurants, and 4% back on up to $7,000 spent at eligible gas stations each year. The Costco Business credit card has no annual fee with your paid Costco membership. You can also enjoy no foreign transaction fees on purchases you make abroad.

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Costco Anywhere Visa^® Business Card by Citi

• Discover the only business credit card designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Excellent

Card Benefits

How to Earn Rewards

With Costco Anywhere Visa Business Card by Citi, you can earn more cash back on many regular purchases than most other credit cards. You will earn 4% cash back on purchases made at gas stations worldwide, including gas at Costco, for the first $7,000 per year, and then 1% cash back thereafter. You will earn 3% cash back on dining at restaurants, including cafes, bars, lounges and fast food restaurants. You will also earn 3% cash back on eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. For other purchases at Costco and Costco.com, you will earn 2% back. For all other purchases, you will earn 1% back.

For example, if you spend $7,000 on gas, $8,000 on dining out, $10,000 on travel, $15,000 on Costco purchases, and $10,000 on everything else in a year, you will receive $1,220 in cash rewards. You can use our cash rewards calculator to find out how much cash back you may receive.

How to Redeem Rewards

You will receive your annual cash rewards in the form of a credit card reward certificate once your February billing statement closes. The credit card reward certificate contains your Costco rewards balance based on your eligible purchases during the annual reward period of the prior year. The credit card reward certificates are redeemable through the end of the year at any U.S. Costco warehouse for merchandise or cash back. Any Costco cash rewards you have earned on purchases made by authorized users on your card account will be added to your Costco rewards total.

Additional Information

Fees

This credit card has no annual fee with your paid Costco membership. There are two tiers of membership, Gold Star and Gold Star Executive. The Gold Star has an annual membership fee of $60. The Gold Star Executive has an annual membership fee of $120 and it offers an additional 2% cash reward, up to $1,000 on your purchases at Costco. The 2% cash rewards of the Gold Star Executive can offset the $120 membership fee. For example, if you make an average of $500 monthly purchases at Costco, you will accrue $10 in cash rewards each month and $120 in annual cash rewards, which is enough to pay for the $120 membership fee by itself.

It has no foreign transaction fees, which will save you money when you travel abroad. Most other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. For example, if you use a credit card to pay $2,000 for purchases or for hotel stays in Canada, Asia, or Europe, you may end up with paying a bill of $2,060 after the 3% foreign-transaction surcharge is added to your bill. If you travel abroad, Costco Anywhere Visa Business Card by Citi can help you avoid the 3% surcharge on your purchases.

Required Credit Rating

The Costco Anywhere Visa Business Card by Citi is for people who have excellent credit scores. If you have an outstanding FICO score, you may qualify for the credit card.

Is this the right card for you?

Costco is a warehouse for family and small business to make purchases in bulk. If you like to use Costco for many of your business purchases, the Costco Anywhere Visa Business Card by Citi is a great small business credit card. Although it does not offer a sign-up bonus, it offers business owners up to 4% cash back on gas purchases, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco. In addition, the Costco Anywhere Visa Business Card by Citi has no annual fee with paid Costco membership and has no foreign transaction fees.

Similar Credit Cards

If you are interested in the Costco Anywhere Visa Business Card by Citi, you may also consider a few other credit cards with similar benefits.

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees

Business Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees
	Ink Business Cash® Credit Card	$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 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 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	$0
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0

The post Costco Anywhere Visa Business Card Review – Cash Rewards for Business Purchases appeared first on CardBenefit.

Overview

If you would like to earn big rewards on business travel, Bank of America^® Business Advantage Travel Rewards World Mastercard^® is an ideal no-fee business travel card for you. It offers you an opportunity to earn 3 points for every dollar on travel purchases. In addition, if you’re a client of Preferred Rewards for Business, you may get up to a 75% rewards bonus on the base earn of every purchase, which means you may earn up to 2.62 points per dollar on all purchases. Plus, this credit card has no international transaction fees and no annual fee.

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Bank of America^® Business Advantage Travel Rewards World Mastercard^®

• Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
• Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America^® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No limit to the amount of points you can earn and points don't expire as long as your account remains open.
• No annual fee and no international transaction fees.
• Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America^® Travel Center, for cash back or gift cards.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.74% to 27.74% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases

Intro APR Period

9 billing cycles

Annual Fee

$0

Credit Needed

excellent

Card Benefits

Sign-up Bonus

New card members will receive a sign-up bonus of 30,000 bonus points after spending $3,000 in net purchases within the first 90 days of your account opening. It usually takes about 10 to 12 weeks after qualifying transactions for the 30,000-point bonus to post to your rewards balance. The 30,000 bonus points can be redeemed for a statement credit of $300 to pay towards travel purchases – it is equivalent to 25% rewards on your first $1,000 purchases.

Earn Rewards

You will earn unlimited 1.5 points for every dollar spent on all purchases everywhere, every time. Your points don’t expire. Plus, you can earn 3 points (consisting of 1.5 base points and 1.5 bonus points) for every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center, which is powered by the popular Expedia travel booking platform.

You can also increase your rewards bonus by up to 75% if you are a Bank of America Preferred Rewards for Business client. The Preferred Rewards for Business has three different tiers: Gold, Platinum, and Platinum Honors. To qualify for the Preferred Rewards for Business program, you need to maintain an active Bank of America business deposit account and/or Merrill business investment account. The following table shows the detailed information of qualification requirement and rewards on the Gold, Platinum, and Platinum Honors tiers.

How to Redeem Rewards

Your rewards points may be redeemed for travel, travel credits, gift cards and cash. When you redeem points for a travel credit, you will receive a statement credit to your account to offset qualifying travel purchases. A travel credit will be available to redeem for purchases from the Bank of America Travel Center or for qualifying travel purchases made in the following merchant categories:

• Airlines, Air Carriers (representing individual major airline carriers)
• Lodging-Hotels, Motels, Resorts (representing individual major hotel/motel chains)
• Car Rental Agencies (representing individual major agencies; and Automobile Rental Agencies)
• Cruise Lines; Travel Agencies and Tour Operators
• Taxicabs and Limousines
• Passenger Railways
• Transportation-Suburban and Local Commuter Passenger, including Ferries
• Bus Lines
• Transportation Services that are not elsewhere classified
• Real Estate Agents and Managers-Rentals
• Timeshares
• Campgrounds and Trailer Parks
• Motor Home and Recreational Vehicle Rental
• Tourist Attractions and Exhibits
• Art Dealers and Galleries
• Amusement Parks, Carnivals, Circuses, Fortune Tellers
• Aquariums, Dolphinariums, Zoos, and Seaquariums
• Boat Leases and Boat Rentals
• Recreation Services that are not elsewhere classified

A purchase qualifies for the Travel Credit if the merchant is assigned to the appropriate merchant category code (MCC).

Additional Travel Benefits

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® has no foreign transaction fees, which saves money for international travelers who may use the credit card abroad. Many other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. If you may travel abroad, it is always best to use a credit card with no international transaction fees so that you can avoid the potential 3% surcharge on your purchases.

Fees and Interest

This credit card has no annual fee. It also offers 0% introductory APR on purchases for 9 billing cycles, which allows you to make purchases now and pay off the balance later without incurring interest cost, as long as you make the minimum payment each month.

Required Credit Rating

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a prime credit card for people with excellent credit rating.

Apply for Business Card as an Individual

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a small business credit card. Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual.

Is this the right card for you?

If you make a lot of purchases and travel often often, you will find Bank of America^® Business Advantage Travel Rewards World Mastercard^® a great credit card to earn rewards. If you are eligible for the Preferred Rewards for Business, you may earn up to 2.62 points per dollar you spend on all purchases everywhere. You can also earn a bonus when you book travel through Bank of America Travel Center. Your rewards can add up quickly with this credit card. Plus, you don’t have to pay an annual fee or foreign transaction fees to keep the card.

Similar Credit Cards

If you are interested in the Bank of America^® Business Advantage Travel Rewards World Mastercard^®, you may also consider a few other small business or travel credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 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.	$95
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	Ink Business Cash® Credit Card	$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 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 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	$0
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases	$95
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0
	Costco Anywhere Visa® Business Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees

The post Bank of America® Business Advantage Travel Rewards World Mastercard® Review – Big Rewards for Business Travelers appeared first on CardBenefit.