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We provide a thorough review of credit cards issued by major US banks.

Best Credit Cards of December 2024

When it comes to financial decisions, making right choices is critical. It is our goal to help you make informed credit card decisions and save your time for things we value so much in life - family, traveling, entertainment, and etc...

We read about, analyzed in detail and ranked a great deal of credit cards from the US top banks. And we created a list of the most interesting and rewarding offers of the month for you.

Scroll down to learn more about the best credit card offers on the market!

Our Top Credit Cards

Sapphire Reserve®: best-rated premium travel card with unlimited airport lounge access, up to 10x points on travel and dining, and a sign-up bonus
Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
IHG One Rewards Traveler: no-annual-fee card for IHG hotels + sign-up bonus
Freedom Unlimited®: best for up to 5% cashback on travel, 0% intro APR, and sign-up bonus
AAdvantage® Executive World Elite Mastercard: premium travel card for American Airlines benefits and airport lounge access
Double Cash®: best for 2% unlimited cashback, 0% intro APR on balance transfer for 18 months, and sign-up bonus.
United Club Business: best rated overall business card for United Airlines travelers + unlimited lounge access, 7x miles on United flights, and standout travel protections
Unlimited Cash Rewards for Students: best student card for unlimited 1.5% cashback on all purchases and 0% intro APR
Travel Rewards: no-fee travel credit card with 1.5x unlimited points and 0% intro APR + sign-up bonus
Premium Rewards®: low-fee credit card best for premium travel rewards

Sapphire Reserve®

Apply now

On Chase's Secure Website

4.9

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

740-850 (Excellent)

Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That's worth $900 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Card Details

Welcome Offer

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That’s worth $900 when redeemed for travel through Chase Travel or $600 for cash.

Rewards

10x and 5x Points on Select Chase Travel Purchases (after spending $300 on travel annually):
- 10x Points on Hotels (excluding The Edit℠).
- 10x Points on Car Rentals.
- 5x Points on Flights.
3x Points on Select Categories:
- 3x Points on Other Travel Purchases after spending $300 on travel annually.
- 3x Points on Dining, including takeout and eligible delivery services.
10x Points on Chase Dining Purchases with Ultimate Rewards®.
1x Points on All Other Purchases.

Partner Benefits

Lyft: Earn 10x Points on Lyft rides through March 2025.
Lyft Pink Membership: Get two years of complimentary Lyft Pink All Access membership (valued at $199/year). Activate by December 31, 2024. After the two-year period, membership auto-renews at 50% off the annual rate for the third year, and at the full rate thereafter unless canceled.
Peloton: Earn 10x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 50,000 points. Offer valid through March 31, 2025.
DoorDash: Enjoy complimentary DashPass membership for DoorDash and Caviar. Activate by December 31, 2027 to receive at least one year of benefits, including $0 delivery fees and lower service fees on eligible orders.
$5 Monthly DoorDash/Caviar Credit: Receive $5 in credits each month for DoorDash and Caviar orders. Offer valid through January 31, 2025.
$10 Off DoorDash Non-Restaurant Orders: Get $10 off two non-restaurant orders per month on DoorDash. Discounts are applied at checkout on eligible orders.

Lounge Access

Complimentary Priority Pass™ Select membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
Chase Sapphire Lounge by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere. To access these lounges, Sapphire Reserve cardmembers should enroll in their complimentary Priority Pass™ Select membership.
Air Canada Lounges: Sapphire Reserve cardmembers enjoy access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe. Simply present your Sapphire Reserve card and a same-day boarding pass for a Star Alliance flight. Exclusions apply.

Redemption Options

Redeem your rewards for cash, gift cards, travel, products, services, and more.
50% More Value on Travel Redemption: Get 50% more value when you redeem points for travel through Chase Travel.
1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value. For example, 1,000 Chase Ultimate Rewards points equals 1,000 partner miles/points.

Fees and APR

Annual Fee: $550, with an additional $75 per year for each authorized user.
Regular APR: 21.74% - 28.74% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Travel Benefits

Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
The Edit℠: Book through The Edit℠ to access a curated selection of exceptional accommodations, offering exclusive perks like daily breakfast for two, a $100 property credit, room upgrades (subject to availability), and more.
Special Car Rental Benefits: Receive VIP amenities, complimentary status upgrades, and discounts with Avis®, Hertz®, National®, and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card.
Ennismore Hotel Benefits: Enjoy VIP perks at Delano, Hyde, Mondrian, Morgans Originals, and SLS hotels and resorts worldwide. Benefits include a complimentary 4th night, room upgrades, late check-out, priority cabana reservations, a $30 food and beverage credit, and more.
Other Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, and Emergency Medical and Dental.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

Reserved by Sapphire℠: Enjoy VIP access to exclusive sports, festivals, dining, and entertainment experiences, including exclusive lounges, early ticket sales, premium seating, and more.
Private Dining Series: Enjoy memorable meal at sought-after restaurants in the country.
Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

Zero liability protection, fraud protection, 24/7 customer service, contactless checkout, compatibility with digital wallets, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The Chase Sapphire Reserve® is a premium card offering elevated rewards on travel and dining, a generous welcome bonus, and standout benefits like a $300 annual travel credit and 50% more value on travel redemptions through Chase Travel. With perks like lounge access and comprehensive travel protections, it’s ideal for frequent travelers who can maximize its extensive benefits, despite the $550 annual fee.

Prime Visa

Apply now

On Chase's Secure Website

4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

Card Details

Prime Membership Required: You must have an Amazon Prime membership to apply.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.

Rewards

5% Cashback on Select Categories (with an eligible Prime membership):
- 5% Cashback at Amazon.com and Amazon Fresh.
- 5% Cashback at Whole Foods Market.
- 5% Cashback at Audible.com.
- 5% Cashback on Chase Travel purchases.
2% Cashback on Select Categories:
- 2% Cashback at Restaurants.
- 2% Cashback at Gas Stations.
- 2% Cashback on Local Transit and Commuting.
1% Cashback on All Other Purchases.

Redemption Options

Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
Points post and can be redeemed as soon as the next day.

Fees and APR

Annual Fee: $0.
Regular APR: 19.74% - 28.49% Variable APR.
Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Travel Benefits

Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
Authorized Users: Add authorized users at no cost to maximize your earning potential.
Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

If you're an Amazon Prime member and frequently shop at Amazon.com or Whole Foods Market, this card offers excellent rewards with 5% back on these purchases. It also provides 2% back at restaurants, gas stations, and on local transit and commuting expenses, and 1% on other purchases. The card includes valuable travel and purchase protections, as well as a generous sign-up bonus upon approval, making it a great choice for frequent Amazon shoppers.

IHG One Rewards Traveler

Apply now

On Chase's Secure Website

4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at IHG® Hotels and Resorts: Get 5x points for every $1 spent with this card, plus up to 10x points for being an IHG One Rewards member, and up to 2x points for Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember. Earn 3x points on dining, gas, utilities, internet, cable, phone services, and select streaming services. Additionally, earn 2x points on all other purchases.

2x - 5x Points

Welcome Offer Earn 80,000 bonus points after spending $2,000 in the first three months.

80,000 Points

Card Details

Welcome Offer

Earn 80,000 bonus points after spending $2,000 in the first three months. That’s up to 2 nights at IHG Hotels & Resorts.

Rewards

Up to 17x Points at IHG® Hotels and Resorts: 5x points for every $1 spent with the IHG One Rewards Traveler card + up to 10x points for being an IHG One Rewards member + up to 2x points with Silver Elite Status, a benefit of being an IHG One Rewards Traveler cardmember.
3x Points on Select Categories:
- 3x Points on Dining.
- 3x Points at Gas Stations.
- 3x Points on Utilities.
- 3x Points on Internet, Cable, and Phone Services.
- 3x Points on Select Streaming Services.
2x Points on All Other Purchases.
Annual Bonus: Earn 10,000 bonus points after spending $10,000 in purchases each calendar year.
Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

Elite Hotel Status

Automatic Silver Elite Status with IHG One Rewards: Enjoy automatic Silver Elite Status with benefits like Late Checkout (where available) and 20% more points on stays at participating IHG Hotels & Resorts. Status renews every account anniversary year.

Redemption Options

Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
Points will not expire as long as there is IHG One Rewards program activity for 12 consecutive months.

Fees and APR

Annual Fee: $0.
Regular APR: 20.74% - 27.74% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Travel Benefits

Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.
Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

Early Access to IHG Reward Night Sales: IHG One Rewards Cardmembers enjoy exclusive early access to Reward Night sales each year.

Additional Features

Authorized Users: Add authorized users at no cost to maximize your earning potential.
Fraud protection.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The IHG One Rewards Traveler card offers a valuable welcome bonus, complimentary Silver Elite Status, and increased rewards at IHG® Hotels and Resorts, dining, gas, utilities, and select streaming services. It also provides 2x points on other purchases. With strong purchase and travel benefits, it's a great option for frequent IHG® travelers.

Freedom Unlimited®

Apply now

On Chase's Secure Website

4.9

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.74% - 28.49% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $250 bonus after spending $500 in the first 3 months.

$250

Card Details

Welcome Offer

Earn a $250 bonus after spending $500 in the first 3 months.

Rewards

5% Cashback on Travel purchased through Chase Travel℠.
3% Cashback on Select Categories:
- 3% Cashback on Drugstore Purchases.
- 3% Cashback on Dining, including takeout and eligible delivery services.
1.5% Cashback on All Other Purchases.

Partner Benefits

DoorDash: Get a complimentary 3 months of DashPass. Afterward, enjoy 50% off DashPass for the next 9 months. Activate by January 31, 2025.
Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.
Lyft: Earn 5% cashback on Lyft rides through March 2025.

Redemption Options

Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.

Fees and APR

Annual Fee: $0.
0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
Regular APR: After the introductory period, a variable APR of 19.74% - 28.49% applies to purchases and balance transfers.
Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

Includes Auto Rental Coverage, Travel and Emergency Assistance Services, and Trip Cancellation/Interruption Insurance.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Zero liability protection, 24/7 fraud monitoring, contactless checkout, free credit score and identity monitoring with Credit Journey®, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The Chase Freedom Unlimited® card is a versatile option for maximizing cashback rewards without an annual fee. It offers 5% back on travel booked through Chase Travel℠, 3% on dining and drugstore purchases, and unlimited 1.5% on all other purchases. With a generous welcome bonus, a 0% intro APR for 15 months, and valuable purchase protection benefits, this card makes it easy to earn and redeem rewards while keeping things simple.

AAdvantage® Executive World Elite Mastercard

Apply now

On Citi's Secure Website

AAdvantage® Executive World Elite Mastercard

4.5

Annual fee:
$595

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 29.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars. Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases. Earn 1x AAdvantage® mile on all other purchases.

1x - 10x Miles

Welcome Offer Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.

70,000 Miles

Card Details

Welcome Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases.
Earn 1x AAdvantage® mile on all other purchases.
Annual Fee: $595.
Annual Fee for Authorized Users: $175 for up to 3 users, $175 for each additional user.
Foreign Transaction Fees: None.
Admirals Club®: Free Membership (a value of up to $850), including access for immediate family or up to two guests.
First Checked Bag Free: On domestic American Airlines flights for you and up to 8 companions.
TSA PreCheck® or Global Entry Fee Credit: Up to $100 every 4 years (increases to $120 from October 1st).
Priority Airport Experience: Priority check-in, screening (where available), and boarding for you and up to 8 companions.
25% Savings on Inflight Food and Beverage: When using your card on American Airlines flights.
Vacation Packages Discount: Save 10% on eligible American Airlines vacation packages at AAVacations.com.
Loyalty Points: Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Loyalty Points Bonuses: Earn 10,000 bonus points after reaching 50,000 Loyalty Points, and another 10,000 after reaching 90,000 Loyalty Points in a status year.
Redeem AAdvantage® Miles: For flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.
Lyft Credits: Earn $10 in Lyft credits after taking 3 eligible rides in a month, up to $120 annually.
Avis® and Budget Car Rentals: Earn up to $120 back annually with a $1 statement credit per $1 spent on eligible car rentals.
Grubhub Purchases: Earn up to $120 back annually with $10 monthly statement credits on eligible purchases.
Travel Protection: Includes trip delay, cancellation and interruption protection, car rental insurance, and lost baggage protection.
Citi Entertainment®: Access tickets to thousands of events, including presales and exclusive experiences.
Dedicated Concierge: Get expert help with travel, shopping, dining, household, and entertainment needs.
Other Benefits: Include Mastercard ID Theft Protection, Citi® Quick Lock, $0 Liability on Unauthorized Charges, Fraud Early Warning, Account Alerts, FICO® Score, Digital Wallets, and Contactless Pay.
Regular APR: 20.49% - 29.49% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

This card is ideal if you frequently fly with American Airlines and want lounge access, travel perks, and a generous welcome bonus. It also offers high earning rates on hotels and car rentals, priority airport services, and valuable travel protections.

Double Cash®

Apply now

On Citi's Secure Website

4.5

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback on all purchases — 1% when you buy plus 1% as you pay. Limited time offer: Earn 5% total cashback on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24.

2% - 5% Cashback

Welcome Offer Earn a $200 cashback bonus when you spend $1,500 on purchases in the first 6 months from account opening.

$200

Card Details

Welcome Offer: Earn a $200 cashback bonus when you spend $1,500 on purchases in the first 6 months from account opening.
Unlimited 2% Cashback on Purchases: Earn 1% when you buy and 1% as you pay, with no categories to track or quarterly activations. Simply use your card anywhere, and when you pay the minimum due on time, you’ll earn cashback twice on each purchase.
Limited Time Offer: Earn 5% total cashback on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24.
Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
0% Intro APR on Balance Transfers: For 18 months from account opening. To qualify, you must make balance transfer within the first 120 days.
Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
Redeem Rewards: Redeem points for cashback, gift cards, travel, purchases, and more.
Citi Entertainment®: Access tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
Additional Features: Include 24/7 customer service, contactless pay, digital wallets, zero liability protection, 24-hour fraud protection, and the ID theft protection program.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Citi® Double Cash offers a market-leading 2% unlimited cashback: 1% when you make purchases and additional 1% when you pay off those purchases. A great addition is a 0% intro APR balance transfer offer.

United Club Business

Apply now

On Chase's Secure Website

5.0

Annual fee:
$450

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable APR

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 7x miles on United flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card. Earn 2x miles on other United purchases. Earn 3.5x miles on hotel stays through United Hotels: 2x miles as a MileagePlus member + 1.5x miles with the United Club Business Card. Earn 1.5x miles on all other purchases.

1.5x - 2x Miles

Welcome Offer Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after spending $5,000 on purchases in the first 3 months of account opening.

50,000 Miles + 1,000 Premier qualifying points (PQP)

Card Details

Welcome Offer

Earn 50,000 bonus miles + 1,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.

Rewards

7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card.
2x Miles on Other United Purchases.
3.5x Miles on Hotel Stays booked through United Hotels: 2x miles as a MileagePlus member + 1.5x miles with the card.
1.5x Miles on All Other Purchases.

Lounge Access

Complimentary United Club membership (worth up to $650/year) with access to all United Club locations and participating Star Alliance™ lounges with free drinks and snacks.

Redemption Options

Redeem miles for flights, hotel stays, car rentals, shopping, and more.

Fees and APR

Annual Fee: $450.
Regular APR: 21.24% - 28.24% Variable APR.
Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
Foreign Transaction Fee: None.

Business Perks

Employee cards at no additional cost.

Travel Benefits

Free Checked Bags: The Primary Cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
Premier Qualifying Points (PQP): Earn 25 PQP for every $500 spent, up to 1,000 PQP toward your MileagePlus Premier status per year.
Premier Upgrades on Award Tickets: The Primary Cardmember with MileagePlus® Premier status and one companion on the same reservation are eligible for complimentary upgrades on select United- and United Express-operated flights.
In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
Renowned Hotels and Resorts Benefits: Experience an exclusive suite of benefits, including $100 property credit, daily breakfast for two, complimentary Wi-Fi, room upgrade and early check-in/late check-out, when available.
Other Travel Benefits: Includes Auto Rental Coverage (Primary), Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, and Emergency Evacuation and Transportation.

Purchase Protections

Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.

Additional Features

Emergency card replacement, zero liability protection, fraud protection, 24/7 customer service, contactless checkout, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Conclusion

The United Club℠ Business card is a strong choice for business owners and frequent United Airlines travelers who value premium travel benefits. This card offers substantial rewards, including 7x miles on United flights and 1.5x miles on all other purchases. It provides a generous welcome bonus and perks like complimentary United Club membership and free checked bags. With robust travel protections and valuable purchase protection, this card enhances the overall travel experience, making it ideal for those seeking to maximize rewards while enjoying exclusive privileges.

Unlimited Cash Rewards for Students

Apply now

On Bank of America's Secure Website

4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards Earn unlimited 1.5% cashback on all purchases. Rewards do not expire.

1.5% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 on purchases within the first 90 days of opening your account.

$200

Card Details

Welcome Offer: Earn a $200 cash rewards bonus when you spend $1,000 on purchases in the first 90 days from account opening.
Cashback: Earn unlimited 1.5% cashback on all purchases. Cash rewards do not expire.
Annual Fee: None.
Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
0% Intro APR on Purchases: For 15 months from account opening.
0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
Redeem Rewards: Redeem rewards as a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
Better Money Habits®: Learn how responsibly handle your credit.
Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

This unlimited cash reward credit card offers students 1.5% cashback on all purchases., along with a welcome bonus and 0% APR introductory offers on purchases and balance transfers.

Travel Rewards

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On Bank of America's Secure Website

4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.

1.5x - 2.62x Points

Welcome Offer Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.

25,000 Points

Card Details

Welcome Offer: Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.
Unlimited Points: Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.
Annual Fee: None
Foreign transaction fees: None.
0% Intro APR on Purchases: For 15 months from account opening.
0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
Preferred Rewards® Program: Enroll in the Preferred Rewards program to earn 25% - 75% more points on every purchase, boosting your rewards potential to 1.87 to 2.62 points per $1 spent.
Redeem Rewards: Redeem points for a statement credit to pay for travel and dining purchases, or use them to book your next trip.
Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

This no-fee travel credit card allows you to earn unlimited 1.5x points per $1 spent on all purchases. While it lacks specific travel benefits, it offers a generous welcome bonus and 0% APR introductory offers for both purchases and balance transfers.

Premium Rewards®

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4.5

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x points for every $1 spent on travel and dining. Earn 1.5x points on all other purchases.

1.5x - 3.5x Points

Welcome Offer Earn 60,000 Bonus Points (a $600 value) after spending $4,000 in the first 90 days of your account opening.

60,000 Points

Card Details

Welcome Offer: Earn 60,000 Bonus Points (a $600 value) after spending $4,000 in the first 90 days of your account opening.
2x Points: On travel and dining.
1.5x Points: On all other purchases.
Annual Fee: $95.
Foreign Transaction Fees: None.
Up to $100 Annually for Airline-Related Expenses: Enjoy a $100 annual travel statement credit for qualifying travel purchases such as seat upgrades, baggage fees, in-flight services, and lounge fees.
TSA PreCheck®/Global Entry: Get up to $100 every four years for TSA PreCheck® or Global Entry application fees.
Preferred Rewards® Program: Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% - 75% more points on every purchase. That means you could earn 2.5x to 3.5x points on travel and dining, and 1.87x to 2.62x points on all other purchases.
Redeem Rewards: For cashback deposits into Bank of America® checking or savings accounts, credit to an eligible Merrill account, statement credit on your credit card, or for gift cards and purchases at the Bank of America Travel Center.
Travel Benefits: Include Auto Rental Collision Damage Waiver, Roadside Dispatch Program, Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Travel and Emergency Assistance Services, and Emergency Evacuation and Transportation Coverage.
Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim.
Return Protection: Provides reimbursement for the cost of eligible items that the store won’t take back within 90 days of purchase, up to $250 per item and $1,000 per year.
Extended Warranty Protection: Doubles the time period of the manufacturers’ warranty, up to one additional year, for eligible items purchased with your card.
Visa Signature® Experiences: Include Luxury Hotel Collection and Concierge Services.
Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
Regular APR: 20.49% - 28.49% Variable APR.
Balance Transfer Fees: 4% of each transfer amount.
Click ‘Apply Now’ to see the full terms and conditions.

Conclusion

Bank of America® Premium Rewards® is a travel reward credit card with an unlimited 2x flat rate on travel and dining and 1.5x on all other purchases. Great additions are a welcome bonus, flexibility in how you redeem your points, travel benefits and perks.

Ranking score and our rating methodology

With so many credit cards available, finding the most suitable one for your needs can be challenging and frustrating. Our team has developed the credit card ranking system to pick the best offers in each card category and help you make an informed decision.

There are multiple factors to consider when comparing credit cards. We routinely analyze credit cards with the most up-to-date details to identify the top picks of each month.

To derive a single ranking score for every credit card, we factor in sign-up bonus, rewards categories, points and cashback earning structure, available redemption options, interest rates, introductory 0% APR period, annual fee, foreign transaction fee, travel and purchase benefits, various credit card's perks such as TSA pass, access to airport lounges, etc. We also account for the card's simplicity and issuing bank reputation.

We reduce the complex set of credit card parameters into a single objective score and rank the best available credit card offers based on it.

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