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Card Issuer

Citibank

Network

Mastercard

Card Category

Bonus, Dining, Travel

Required Credit

Excellent, Good

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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
• Read our review on Citi Strata Premier^℠ Card

Intro APR

N/A

Intro APR Period

N/A

Regular APR

20.24% - 28.24% (Variable)

Annual Fee (rates & fees)

$95

United^℠ Explorer Card

Chase Sapphire Preferred^® Card

Prime Visa

Ink Business Preferred^® Credit Card

United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Southwest Rapid Rewards^® Priority Credit Card

Delta SkyMiles^® Gold Business American Express Card

Aeroplan^® Credit Card

IHG One Rewards Traveler Credit Card

Southwest Rapid Rewards^® Plus Credit Card

Southwest^® Rapid Rewards^® Performance Business Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

The Platinum Card^® from American Express

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

United Quest^℠ Card

American Express^® Business Gold Card

The Blue Business^® Plus Credit Card from American Express

The Hilton Honors American Express Business Card

Southwest^® Rapid Rewards^® Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

Mastercard^® Gold Card™

Mastercard^® Titanium Card™

Mastercard^® Black Card™

United Club^℠ Infinite Card

United Gateway^℠ Card

World of Hyatt Business Credit Card

Capital One VentureOne Rewards for Good Credit

First Tech Odyssey Rewards™ World Elite Mastercard^®

Business Green Rewards Card from American Express

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Marriott Bonvoy Brilliant^® American Express^® Card

Marriott Bonvoy Bevy™ American Express^® Card

USAA Eagle Navigator^® Credit Card

The post Citi Strata Premier℠ Card appeared first on CardBenefit.

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.

Apply Now

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. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$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 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. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$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

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 18.24% - 28.24%, 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 18.24% - 28.24% (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
	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 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	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 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. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$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 17.24% - 27.99% (variable) applies. (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months (rates & fees) Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0 (rates & fees)

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

0% interest credit cards offer a valuable financial tool, particularly when it comes to managing existing debt or making substantial purchases. The 0% introductory interest rate provides a window where you can borrow money without incurring additional interest or fees, given you meet the minimum monthly payment requirements. This strategic approach allows individuals to address their financial needs more effectively, offering a temporary period of relief from the typical costs associated with borrowing money.

Check out the following credit cards offering 0% APR, sorted by the length of introductory periods.

0% Interest for 21 Months

Credit Card		0% Introductory Interest	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 17.24% - 27.99% (variable) applies. (rates & fees)	$0

0% Interest for 18 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Double Cash® Card	0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.24% (variable) applies. (rates & fees)	$0

0% Interest for 15 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Rewards+® Card	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 17.74% - 27.74% (variable) applies. (rates & fees)	$0
	Chase Freedom Unlimited®	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.24% variable applies.	$0
	Blue Cash Everyday® Card from American Express	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.24% - 29.24% variable applies. (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months (rates & fees) Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0 (rates & fees)

0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Blue Cash Preferred® Card from American Express	0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.24% - 29.24% variable applies. (rates & fees)	$0 intro annual fee for the first year, then $95.

Small Business Cards with 0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Ink Business Cash® Credit Card	0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies.	$0
	Ink Business Unlimited® Credit Card	0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.49% - 23.49% variable applies.	$0
	The American Express Blue Business Cash™ Card	0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies. (rates & fees)	$0
	The Blue Business® Plus Credit Card from American Express	0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies. (rates & fees)	$0

The post Best 0% APR Credit Cards of 2024 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.

Apply Now

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

Apply Now

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 18.24% - 28.24%, 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

• An initial credit limit Up To $500! (See terms*)
• Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
• Checking account required.
• Free credit monitoring powered by TransUnion^®
• See if you pre-qualify with no impact to your credit score.
• Fast and easy application process.
• All credit types welcome to apply.
• *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.

Citi Double Cash Card: $200 Bonus, 2% Cash Back

Citi Double Cash^® Card is one of the best cash back credit cards with no annual fee. It offers $200 bonus cash. In addition, it offers 2% cash back on all purchases with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases..

Apply Now

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 18.24% - 28.24%, 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

Other No-Annual-Fee Credit Cards

Many other credit cards are also offering rewards or cash back with no annual fee. Here are a few no-annual-fee credit cards that offer good rewards and bonus.

Credit Cards with No Annual Fee

Credit Card		Bonus and Rewards	Annual Fee
	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
	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
	Delta SkyMiles® Blue American Express Card	10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. 2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases.	$0 rates & fees
	United Gateway℠ Card	20,000 bonus miles 2x miles on United purchases 2x miles at gas stations 2x miles on local transit and commuting 1x mile on all other purchases	$0
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	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
	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 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
	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. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0 (rates & fees)
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases	$0

The post Best No-Annual-Fee Credit Cards of March 2025 appeared first on CardBenefit.

Check out the credit cards that offer big bonus valued at $500 or more. All of these cards are for people with good credit rating, whose FICO scores are usually 700 or above.

Consumer Credit Cards with $500 Bonus or More

Credit Card		Bonus	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.	$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.	$95
	Chase Sapphire Reserve®	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$550

Small Business Cards with $500 Bonus or More

Credit Card		Bonus	Annual Fee
	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	$95
	Ink Business Premier® Credit Card	$1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.	$195
	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	$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	$0
	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.*	$375 rates & fees
	The Business Platinum Card® from American Express	Earn 150,000 Membership Rewards points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.	$695 rates & fees

Credit Card Bonus with No Annual Fee

Most of the above credit cards have an annual fee. If you just want a credit card without annual fee, you can still earn a moderate bonus valued between $100 and $300 on the following credit cards.

Citi Credit Card Bonus with No Annual Fee

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 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

American Express Credit Card Bonus with No Annual Fee

Credit Card		Bonus	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.	$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
	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.	$0 rates & fees

Chase Credit Card Bonus with No Annual Fee

Credit Card		Bonus	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!	$0
	United Gateway℠ Card	20,000 bonus miles	$0

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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.

Apply Now

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 on purchases; after that, the variable APR will be 17.74% - 27.74%, 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 17.74% - 27.74% (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
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 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	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 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

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If you regularly use credit cards for purchases, you probably know the difference between the Mastercard logo and logos for other types of cards. What you may not know is that there are several different kinds of Mastercards to choose from. If you are in the market for a new credit card, take a look at our guide to the five different types of Mastercards to help narrow down your search.

Standard Mastercard

If you are just starting to build your credit history or you want a card that you can use to cover everyday expenses, you can’t go wrong with a standard Mastercard. With this type of card, you get zero liability protection for unauthorized purchases. You also get complimentary Mastercard ID Theft Protection, which allows you to monitor your credit file for changes that could indicate fraud, such as new credit inquiries, an address change, or a new account opened in your name. Plus, you can enjoy Mastercard Global Service, which gives you access to 24/7 customer service assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.

Some Standard Mastercards also offer credit card bonus and rewards programs, which let you earn cash back or reward points good for flights, gift cards and merchandise. The following are a few Mastercards that offer good bonus and rewards.

Mastercard Bonus Offers

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 Freedom Flex®	$200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 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 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.	$0

World Mastercard

If you regularly travel outside the U.S., taking along a World Mastercard can give you peace of mind should the unexpected happen. World Mastercards can unlock unique travel experiences, give you preferred access to our most exclusive offers, including VIP events, insider opportunities, and special promotions. With this type of card, members can take advantage of Cell Phone Protection, which provides $1,000 in yearly coverage ($600 max per claim, 2 claims per year) if your cell phone gets stolen or needs repairs. Members can enjoy discounts on vacation packages, travel upgrades and savings on golf, spas, dining out and entertainment. Frequent flyers will also appreciate personalized airport concierge service at more than 450 airports worldwide.

World Elite Mastercard

A World Elite Mastercard is the obvious choice for travelers who want to enjoy a luxury experience wherever they go. With this type of card, you can enjoy discounts on rooms at selected luxury hotels in cities around the world. Members can also take advantage of complimentary upgrades and discounts on things like car rentals, cruise packages, vacation tours and airfare. You can even get discounts on chauffeur services or flights aboard private jets. If you need help booking your trip or run into a problem when you’re away from home, a personalized concierge is available to assist you 24 hours a day, 7 days a week.

Mastercard BusinessCard

Mastercard BusinessCard is designed to improve your productivity with digital solutions and tools that can help accelerate the growth of your business. Members receive discounts or vouchers on time-saving financial tools, such as 40% off on QuickBooks, up to $1,000 in Uber Freight load credit, etc. It also gives cardholders $125 in advertising credit after spending only $10 with Microsoft Advertising. In addition, it provides many travel benefits for business users, including airport concierge, car rental insurance, etc.

World Elite Business Mastercard

World Elite Business Mastercard gives you the purchasing power you need to take care of business, plus essential tools and services at your fingertips. It provides Cell Phone Protection, which reimburses up to $800 per claim with $50 deductible, up to $1,000 total per 12-month period, for covered stolen or damaged phone. In addition, card members can enjoy online booking with exclusive travel offers and benefits, plus 24/7 access to a Travel & Lifestyle Manager to assist with travel planning needs.

World Elite Business Mastercard from U.S. Bank

Credit Card		Bonus and Rewards	Annual Fee
	U.S. Bank Business Triple Cash Rewards World Elite Mastercard®	$500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.	$0

View the full list of Mastercard Credit Cards

Conclusion

With so many different types of Mastercards to choose from, it can be difficult to determine which one is right for you. The key to finding the best credit card is to consider how often you’ll use the card, where you will be making most of your purchases and what kind of fees are involved to make sure you are getting the best deal.

The post What Are the 5 Different Types of Mastercards? appeared first on CardBenefit.

Quite a few credit cards are offering a sign-up bonus valued at $500+ these days. Below you’ll find some of these credit cards – you just need to open a new account and meet the minimum spending requirements. All of these cards are for people with good credit rating, whose FICO scores are usually 700 or above.

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	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.	$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.	$95
	Chase Sapphire Reserve®	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$550

Business Credit Cards with Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening	$0
	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	$0
	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.*	$375 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	$95
	Ink Business Premier® Credit Card	$1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.	$195
	The Business Platinum Card® from American Express	Earn 150,000 Membership Rewards points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.	$695 rates & fees

Credit Card Bonus with No Annual Fee

All of the above credit cards have an annual fee. If you just want a credit card without annual fee, you can still earn a decent bonus (in cash or in miles/points) valued between $200 and $250 on the following credit cards.

Best No-Annual-Fee Credit Card Bonus

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 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
	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!	$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.	$0 rates & fees

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