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Best credit card deals and bonuses this week: Our top picks for cash back, travel rewards, intro APR, and business card offers

Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

If you’re looking for a way to earn cash back from your everyday spending, or want to stock up on travel points for a future trip, it’s a great time to open a new rewards credit card. 

Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative offers available. These include increased offers and even brand-new cards from major card issuers.

A few of these credit cards are offering record-high welcome bonuses of 100,000 points or more — but some are only available for a limited time.

This week’s top credit card deals and bonuses
  • Citi® Double Cash Card
  • Citi Premier® Card
  • Capital One Venture Rewards Credit Card
  • United Quest℠ Card
  • Marriott Bonvoy Boundless® Credit Card
  • Ink Business Preferred® Credit Card
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Our recommendation


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Best 0% offer (balance transfers)

Intro Offer


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$200 cash back after spending $1,500 on purchases in the first 6 months of account opening

Rewards


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Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual Fee


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$0

Our recommendation


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Best limited time offer

Intro Offer


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80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards


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Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

Annual Fee


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$95

Our recommendation


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Best flexible point bonus

Intro Offer


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75,000 miles after spending $4,000 on purchases within 3 months from account opening

Rewards


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Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

Annual Fee


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$95

Our recommendation


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Best airline bonus

Intro Offer


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70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening

Rewards


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Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.

Annual Fee


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$250

Our recommendation


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Best hotel bonus

Intro Offer


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3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening

Rewards


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Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X Bonvoy points for every $1 spent on all other purchases.

Annual Fee


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$95

Our recommendation


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Best business card bonus

Intro Offer


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100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Rewards


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Earn 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.

Annual Fee


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$95

Apply Now


On Citi’s website


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On Citi’s website


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On Capital One’s website


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On Chase’s website


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On Chase’s website


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On Chase’s website

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best limited time offer


Annual Fee


$95


Regular APR


18.24% – 26.24% Variable


Recommended Credit Score


Good to Excellent

4.3/5

Editor’s Rating

4.3/5

Editor’s Rating


Annual Fee


$95


Regular APR


18.24% – 26.24% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • Strong bonus
  • Generous bonus categories
Cons

  • Doesn’t offer much in the way of statement credits or other perks
  • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers


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Details


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  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Best cash back bonus


Annual Fee


$95


Regular APR


16.24% – 26.24% Variable


Recommended Credit Score


Good to Excellent

4.3/5

Editor’s Rating
4.3/5

Editor’s Rating

Annual Fee


$95


Regular APR


16.24% – 26.24% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • Generous bonus rewards, especially at U.S. supermarkets
  • One of a small handful of credit cards that offer bonus rewards on select streaming services
  • Intro APR offer
Cons

  • Unlike many other cash-back cards, it charges an annual fee
  • If you spend more than $6,000 at US supermarkets each year, you’ll want to use another card once you reach that cap


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  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.
  • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Best flexible point bonus


Annual Fee


$95


Regular APR


17.49% – 25.49% (Variable)


Recommended Credit Score


Good to Excellent

4.5/5

Editor’s Rating
4.5/5

Editor’s Rating

Annual Fee


$95


Regular APR


17.49% – 25.49% (Variable)


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • No bonus categories to keep track of
  • Includes up to a $100 statement credit for Global Entry or TSA PreCheck
Cons

  • Other credit cards offer higher rewards in certain categories of spending


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  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Best airline bonus


Annual Fee


$250


Regular APR


17.99% – 24.99% Variable


Recommended Credit Score


Good to Excellent

4.8/5

Editor’s Rating
4.8/5

Editor’s Rating

Annual Fee


$250


Regular APR


17.99% – 24.99% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • Substantial intro bonus offer
  • A free first and second checked bag can save you and a companion up to $320 round-trip
  • Up to $125 in annual credits toward United® purchases can offset half the annual fee
  • 5,000-mile award flight credit can help you stretch your United miles
Cons

  • High $250 annual fee
  • Card doesn’t offer United Club lounge access or passes


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  • Earn 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open.
  • $250 Annual Fee
  • Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases
  • Earn 3x miles on United® purchases
  • Earn 2x miles on dining including eligible delivery services, select streaming services, and all other travel
  • Earn 1x mile on all other purchases
  • Each year, receive a $125 credit on United® purchases and two 5K-mile anniversary award flight credits. Terms apply.
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24

Best hotel bonus


Annual Fee


$95


Regular APR


17.49% – 24.49% Variable


Recommended Credit Score


Good to Excellent

4.6/5

Editor’s Rating
4.6/5

Editor’s Rating

Annual Fee


$95


Regular APR


17.49% – 24.49% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
Cons

  • The only lucrative bonus category is participating Marriott Bonvoy hotels
  • Upgrading to Gold status requires spending $35,000 on the card in an account year,


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  • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.

Best 0% offer (balance transfers)


Annual Fee


$0


Regular APR


16.24% – 26.24% Variable


Recommended Credit Score


Good to Excellent

5/5

Editor’s Rating

5/5

Editor’s Rating


Annual Fee


$0


Regular APR


16.24% – 26.24% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • No annual fee
  • Simple earning structure without confusing bonus categories
Cons

  • Some cards earn higher rates of cash back on rotating categories
  • While it offers a 0% introductory APR for 18 months, that’s only on balance transfers, not purchases, so you can’t use it to fund a major expense without interest. After those 18 months, it’s a 16.24% – 26.24% (Variable) APR.


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  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% – 26.24%, 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).

Best 0% offer (purchases)


Annual Fee


$0


Regular APR


17.24%, 22.24%, or 27.24% Variable


Recommended Credit Score


Good to Excellent

4.8/5

Editor’s Rating
4.8/5

Editor’s Rating

Annual Fee


$0


Regular APR


17.24%, 22.24%, or 27.24% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • Good welcome bonus for a $0 annual fee card
  • Straightforward 2% cash rewards on purchases with no categories to track
  • Strong benefits including cell phone protection, Visa Signature perks, and a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then 17.24%, 22.24%, or 27.24% Variable APR)
Cons

  • If you’ve opened a Wells Fargo card in the past 15 months, you may not be eligible for the bonus or intro APR offer
  • Foreign transaction fees


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  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

Best business card bonus 


Annual Fee


$95


Regular APR


17.49% – 22.49% Variable


Recommended Credit Score


Good to Excellent

5/5

Editor’s Rating
5/5

Editor’s Rating

Annual Fee


$95


Regular APR


17.49% – 22.49% Variable


Recommended Credit Score


Good to Excellent


Pros & Cons


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Pros

  • High sign-up bonus
  • Offers 3x bonus points on several spending categories, including travel and advertising purchases
  • Includes comprehensive travel coverage
Cons

  • Welcome bonus has a very high minimum spending requirement


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  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Credit card news this week

Citi rolled out a rarely seen welcome bonus offer on the Citi® Double Cash Card last week, so it’s a great time to apply if you’ve been on the fence about opening the card. For a limited time, it’s offering $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus (and rewards from the card) comes in the form of Citi ThankYou points, which you can redeem for cash back, travel booked through Citi, and gift cards at a rate of 1 cent each.

The Citi® Double Cash Card becomes even more compelling when you pair it with the Citi Premier® Card. Having the Citi Premier® Card allows you to pool your points and transfer them to Citi’s airline and hotel partners, which can get you an even higher value from your rewards. 

Small-business owners who fly United can once again earn a record-high welcome bonus offer from the United℠ Business Card. For a limited time, it’s offering 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months. While the minimum spending requirement to unlock the full bonus is steep, if you can achieve it the bonus can be worth around $1,950 in flights, based on Insider’s valuation of United miles at 1.3 cents apiece. Here’s our full United Business card review with all the details.

How to pick a credit card bonus

Credit card limited time offers

Credit card welcome bonuses aren’t always the same. In fact, certain cards are known for increasing their bonuses from the “standard” offer at least once or twice a year, but usually only for a limited time.

The trick to earning the most rewards is timing your credit card applications to coincide with these elevated offers. For instance, the Citi Premier® Card normally offers 60,000 points after meeting minimum spending requirements, but right now it’s got an increased offer of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening (worth around $1,280 in travel based on Insider’s valuations).

Just because a card has an increased bonus doesn’t mean you should apply. Be sure to consider if the rewards it earns are useful to you, as well as factors like the card’s bonus categories, additional benefits, and annual fee. For example, there are terrific welcome bonus offers available right now on the IHG® Rewards Premier Credit Card and IHG® Rewards Premier Business Credit Card — but if you rarely stay at IHG brand hotels, opening one of these cards isn’t a practical move.

We list the top deals available each month in our guide to the best current credit card offers — and every Monday, we publish a weekly roundup (like this one!) of card news and updates to make sure you’ve got the scoop on the very latest deals.

Read our guides to learn more:

Cash back credit cards

The best cash-back credit cards can earn you anywhere from 1% to 6% back on your spending, depending on the card and its bonus categories. Using a cash-back card is a great way to take the sting out of everyday expenses, and because you can use cash back for anything, you’ve got the ultimate flexibility in redeeming your rewards.

Most of the top credit cards in this category have no annual fee, which is important if you’re trying to keep expenses down. However, that usually means you won’t see the outsized welcome bonuses that more premium cards offer.

Our pick right now for the best cash back bonus is the Blue Cash Preferred® Card from American Express, which is offering a $350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening but charges a $95. Paying that fee is worth it if you can take advantage of the card’s extra-generous bonus categories: 6% back on your first $6,000 in U.S. supermarket spending each year (then 1% back), 6% cash back on select U.S. streaming services, 3% back on U.S. gas stations and transit, and 1% back on all other eligible purchases (cash back is earned in the form of Rewards Dollars).

That said, if paying an annual fee is a turnoff for you, there are plenty of no-annual-fee cash back cards like the Wells Fargo Active Cash® Card or Chase Freedom Unlimited® with solid welcome bonuses, benefits, and earning rates. 

Read our guides to learn more:

Flexible points credit cards

Opening a card that earns flexible or transferable points is a smart move if you don’t have immediate plans for redeeming rewards and don’t want to be locked into a specific airline or hotel loyalty program. These travel rewards credit cards typically offer a multitude of redemption options, from cash back and gift cards to transferring points to airline and hotel partners for award travel.

Cards that earn Chase Ultimate Rewards®, American Express Membership Rewards, Citi ThankYou Rewards, and Capital One miles are among the most popular picks in this category. Beyond choosing a card with a high welcome bonus offer, be sure to consider how you prefer to redeem rewards and which transfer partners are useful to you (not all programs partner with the same airlines and hotels).

Many of these cards offer bonus points in certain categories, so picking a card that lines up with your spending habits can help you maximize rewards. But if you don’t want to fuss with bonus categories, the Capital One Venture Rewards Credit Card is a great pick because it earns 2x miles on all purchases (except hotels and car rentals booked through Capital One, which earn 5x miles). It’s also offering one of its highest welcome bonuses ever: 75,000 miles after spending $4,000 on purchases within 3 months from account opening (worth $1,275 in travel, based on Insider’s valuations).

Some flexible points cards also offer upscale benefits, like airport lounge access and statement credits, but for those, you’ll typically pay a high annual fee (you can read more about them in our guide to the best premium credit cards).

For instance, The Platinum Card® from American Express
offers 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership (worth $1,800 in travel based on Insider’s points and miles valuations) and it comes with an array of perks worth potentially thousands of dollars each year. But it also charges a $695 annual fee, so it’s not practical for many folks.

Read our guides to learn more:

Airline credit cards

If you’re loyal to a particular airline, opening a co-branded airline credit card can make a lot of sense, particularly if you can use perks like free checked bags, priority boarding, or inflight discounts.

Choosing the best airline card for you really depends on how often you fly a particular carrier, which benefits you’re looking for, and how high an annual fee you’re willing to pay. Travelers who only fly a few times a year typically do the best with a mid-tier airline card that offers elite-like perks for a moderate annual fee. 

Let’s look at United credit cards as an example. One of the best of these is the United℠ Explorer Card, which charges a $0 intro annual fee for the first year, then $95, and comes with a free checked bag (when you use the card to pay for your ticket) and priority boarding on United flights, two United Club one-time passes each year, and excellent travel and purchase protections. However, it’s currently offering 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening — one of the lower welcome bonuses we’ve seen this year.

Its bigger sibling, the United Quest℠ Card, has a higher bonus and more benefits (including a $125 annual United credit and two free checked bags instead of one). It’s offering 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening, and charges a $250 annual fee. So in this case, you’d have to decide if the card’s higher bonus and additional perks make it worth paying a much higher annual fee.

And, if you’re a very frequent United flyer, you might want to look at the premium United Club℠ Infinite Card, which adds United Club airport lounge access and other upscale perks to the mix. It comes with yet a higher welcome bonus offer: 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. But this card is only worth it if you can take advantage of the additional benefits, because it charges a $525 annual fee.

Read our guides to learn more:

Hotel credit cards

Most of the major hotel chains offer co-branded credit cards, ranging from basic no-annual-fee cards with a handful of benefits to premium cards with automatic top-tier elite status and statement credits. The best hotel credit card for you again depends mostly on your preferred hotel brand and the benefits you’re looking for, as well as how high of an annual fee you’re willing to pay.

Marriott is a good example, because it offers four co-branded cards issued by both Chase and American Express at various levels of annual fee and with different welcome bonuses and perks:

  • Marriott Bonvoy Brilliant™ American Express® Card: 75,000 Marriott Bonvoy bonus points after using your new card to make $3,000 in purchases within the first 3 months of account opening ($450 annual fee, premium benefits)
  • Marriott Bonvoy Boundless® Credit Card: 3 free nights (each worth up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening ($95 annual fee, good benefits)
  • Marriott Bonvoy Business® American Express® Card: 125,000 bonus points after spending $5,000 in purchases on your card in the first 3 months of card membership (offer expires 8/31/22) ($125 annual fee, good benefits, for small-business owners)
  • Marriott Bonvoy Bold® Credit Card: 30,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening ($0 annual fee, basic benefits)

The most expensive of these is the Marriott Bonvoy Brilliant™ American Express® Card, and while it comes with a ton of fancy perks, it’s really only worth the annual fee if you can take advantage of all the benefits. Most average Marriott travelers will do just fine with the mid-tier Marriott Bonvoy Boundless® Credit Card — which also happens to be offering an excellent welcome bonus right now.

Read our guides to learn more:

Intro 0% offer credit cards (balance transfers)

Carrying high-interest credit card balances can make getting ahead of your debt really difficult, especially nowadays. A balance transfer credit card might be just what you need to consolidate debt and give yourself some breathing room while you pay down your balances.

Unfortunately, the very best balance transfer credit cards with the longest intro 0% APR periods don’t typically offer a welcome bonus. Our top pick right now is the Wells Fargo Reflect® Card, which offers a 0% intro APR for up to 21 months on purchases and qualifying balance transfers from account opening, followed by a 15.24% – 27.24% Variable APR (balance transfers must occur within 120 days of account opening to qualify for the intro 0% APR rate). However, it doesn’t earn any rewards.

That said, there are a number of balance transfer cards that do come with a bonus and earn good rewards. Right now, the best of these is the Citi® Double Cash Card, with its limited-time bonus of $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. New cardholders receive a 0% intro APR on balance transfers for 18 months (then a 16.24% – 26.24% Variable APR), which is a very generous intro period.

Citi® Double Cash Card cardholders effectively earn 2x points (equal to 2% cash back) on all purchases (1 point per dollar when buy, and 1 point per dollar when you pay). 

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Intro 0% offer credit cards (purchases)

Spending more on a credit card than you can afford to pay off in full is never a good idea, because you’ll get charged interest and could end up accumulating debt. But sometimes, you don’t have a choice but to carry a balance on your credit cards, be it from an unexpected emergency or large purchases you need a little more time to pay off.

A credit card with an introductory 0% APR on purchases can be just the ticket if you know you’ve got big expenses coming up you’ll need to pay for over a longer period. These cards don’t charge interest for a specified time on purchases as long as you make your minimum payment each month, and can be a great tool as long as you have a plan to pay off your balance before the introductory period expires.

Again, the very best 0% APR credit cards for purchases don’t come with a bonus or earn rewards (the Wells Fargo Reflect® Card being a good example) but there are many that do. For instance, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and comes with a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening. And new Wells Fargo Active Cash® Card cardholders receive a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 17.24%, 22.24%, or 27.24% Variable APR. 

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Business credit cards

You might be surprised to learn you don’t need to own a huge corporation or be a full-time business owner to qualify for a small-business credit card. If you have a part-time venture or side gig like driving for Uber, working as a freelancer, or reselling on eBay, you could be eligible to apply.

Some of the top business credit cards come with the most valuable welcome bonuses around, whether you’re looking to earn cash back, airline miles, hotel points, or flexible rewards. One limited-time offer to watch right now is on the United℠ Business Card with its sky-high bonus of 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months. But if you don’t fly United, this probably won’t appeal (here’s our United Business card review to help you decide).

For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice. New cardholders can earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening (worth $1,800 in travel based on Insider’s valuations). Plus, the card has excellent bonus categories for small businesses and comes with solid benefits, including cell phone protection, for a $95 annual fee.

Of course, if you’re willing to shell out a much higher annual fee, you can find cards with bigger welcome bonus offers, such as The Business Platinum Card® from American Express
($695 annual fee). And if you’re looking to earn rewards in an airline or hotel program, there are business card options too (like the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®).

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