Best Credit Cards of January 2025

Welcome Offer

Earn 75,000 bonus miles after spending $5,000 in the first three months.

Rewards

• Up to 7x Miles on United Purchases:
  • 7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Business Card.
  • 3x Miles on Hotel Stays Booked Through United Hotels: 2x miles as a MileagePlus member + 1x mile with the United Business Card.
  • 2x Miles on Other United Purchases.
• 2x Miles on Select Categories:
  • 2x Miles at Gas Stations.
  • 2x Miles on Dining, including eligible delivery services.
  • 2x Miles at Office Supply Stores.
  • 2x Miles on Local Transit, including rideshares, taxicabs, train tickets, tolls, and mass transit.
• 1x Miles on All Other Purchases.

Partner Benefits

DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.

Lounge Access

United Club℠ Access: Receive 2 one-time passes per year (worth over $100), with free drinks, snacks, and high-speed Wi-Fi.

Redemption Options

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

Fees and APR

• Annual Fee: $99 (waived for the first 12 months).
• Regular APR: 20.99% - 27.99% 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 their first checked bag free, saving up to $160 per round trip.
• Annual United Travel Credit: Receive a $100 United travel credit each account anniversary year after making seven United flight purchases of $100 or more.
• Priority Boarding: The Primary Cardmember and their companions can board United-operated flights before general boarding.
• Better-Together Anniversary Bonus: Receive 5,000 bonus miles each year when you hold both the United Business Card and a personal United credit card.
• Premier Qualifying Points (PQP): Earn 25 PQP for every $500 spent, up to 1,000 PQP toward your MileagePlus Premier status per year.
• 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.
• Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.

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.

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.

Welcome Offer

Earn a $50 Amazon gift card instantly upon approval.

Rewards

• 3% Cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
• 2% Cashback at restaurants, gas stations, and on local transit and commuting.
• 1% Cashback on all other purchases.

• No annual fee.
• No foreign transaction fees.
• Interest-free payments: Choose 3% cashback or 0% intro APR for 6-12 months on purchases $50 or more at Amazon.com or eligible retailers with Amazon Pay.
• Redeem your points: For cashback, gift cards, travel, or purchases at Amazon.com. Points can be redeemed the next day.
• Chase offers: Access great deals without needing coupons, codes, or registration. Just add the offer to your card and use it.
• Authorized users: Add users for free and share your credit line while earning rewards on their purchases.
• Extended Warranty Protection: Adds one year to the manufacturer’s U.S. warranty on eligible warranties of three years or less.
• Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
• Visa Signature® Experiences: Access to Luxury Hotel Collection and Concierge Services.
• Additional features: Digital Wallet, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, chip-enabled for enhanced security, and contactless checkout.
• Regular APR: 19.49% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn 30,000 bonus points after spending $1,000 in the first three months.

Rewards

• Up to 14x Points on Marriott Stays: 3x points for every $1 spent with the Marriott Bonvoy Bold® Card + up to 10x points as a Marriott Bonvoy® member + 1x point with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember.
• 2x Points on Select Categories:
  • 2x Points on Grocery Stores.
  • 2x Points on Rideshare and Select Food Delivery.
  • 2x Points on Select Streaming Services.
  • 2x Points on Internet, Cable, and Phone Services.
• 1x Points on All Other Purchases.

Partner Benefits

• DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.
• Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.

Elite Hotel Status

• Automatic Silver Elite Status with Marriott Bonvoy®: Enjoy automatic Silver Elite Status with benefits like priority late checkout (where available) and 10% more points on stays at participating Marriott Bonvoy® hotels. Status renews every account anniversary year.
• Elite Night Credits: Receive 5 elite night credits every calendar year, helping you work toward higher status tiers.

Redemption Options

Redeem points for free nights at Marriott hotels, flights, experiences and more.

Fees and APR

• Annual Fee: $0.
• Regular APR: 20.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings using your Marriott Bonvoy Credit card.
• Other Travel Benefits: Includes Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance, Roadside Dispatch, and Auto Rental Collision Damage Waiver.

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

• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Zero liability protection, 24/7 customer service, emergency cash replacement, lost/stolen card reporting, personalized account alerts, Credit Journey, embedded chip for enhanced security, digital wallet, contactless checkout, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

• Annual fee: None.
• Foreign transaction fees: 3% of the amount of each transaction in U.S. dollars.
• 0% Intro APR on Purchases and Balance Transfers: For 18 months from account opening.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 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 19.49% - 28.24% applies to purchases and balance transfers.
• Lower your interest rate: You will be automatically considered for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card each year until your APR reaches the Prime Rate plus 9.74%.
• Raise your credit limit: Get an automatic, one-time review for a higher credit limit when you pay on time and spend $500 in your first six months.
• DoorDash: Get a complimentary three months of DashPass. After that, you are automatically enrolled in DashPass at 50% off for the next nine months. Activate by January 31, 2025. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
• Chase Offers: Access great deals in the Chase Mobile app and at chase.com. No coupons, codes, or vouchers needed. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
• 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 the warranty period by one additional year on eligible warranties of 3 years or less.
• Travel benefits: Includes Roadside Dispatch® and Auto Rental Collision Damage Waiver.
• Additional features: Includes Chase Credit Journey, zero liability protection, 24/7 fraud monitoring, embedded chip for enhanced security, contactless checkout, digital wallet, automatic accounts alerts, card replacement, and 24/7 customer service.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome offer

Earn 60,000 bonus points after spending $4,000 in the first three months. That’s worth $750 when redeemed for travel through Chase Travel or $600 for cash.

• Points on travel: 5x points on travel through Chase Travel, 2x points on other travel purchases.
• Points on dining and more: 3x points on dining, eligible online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services.
• Points on other purchases:: 1x point on all other purchases.
• Lyft rides: Earn 5x points on qualifying Lyft rides through 03/2025.
• Peloton purchases: Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025.
• Annual fee: $95.
• Foreign transaction fees: None.
• Authorized user fee: None.
• Annual travel credit: Get up to $50 in statement credits each year for hotel stays through Chase Travel.
• Anniversary points bonus: Earn bonus points equal to 10% of your total spend in points from the previous year, at a rate of 1 point for each $1 spent.
• Redeem your rewards: For cash, gift cards, travel, or pay with points. Get 25% more value when redeemed for travel.
• Points transfer: 1:1 points transfer for Chase’s airline and hotel partners.
• DoorDash: Complimentary DoorDash Pass membership for one year (a $120 value) when activated by December 31, 2024.
• Exclusive offers: Early-access tickets, priority seating, and exclusive access to events with Sapphire offers, Chase Dining℠, and more.
• 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 U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
• Travel benefits: Includes Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services, Travel Accident Insurance, Lost Luggage Reimbursement, and Roadside Assistance.
• Ennismore hotel benefits: VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts. Enjoy complimentary 4th night, room upgrades, late checkouts, priority cabana reservations, a $30 food and beverage credit, and more.
• Visa Concierge: Get complimentary Visa Signature® Concierge Service 24 hours a day.
• Additional card features: 24/7 customer service, digital wallets, fraud protection, zero liability protection, chip-enabled for enhanced security, and contactless checkout.
• Regular APR: 20.49% - 27.49% 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.

• $25 for Enrolling in Autopay: Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
• Improve Your Approval Chances: Applicants who have never had a credit card can increase their chances of getting approved for Chase Freedom Rise℠ by maintaining a Chase checking or savings account with at least $250 before applying.
• Earn unlimited 1.5% cashback on all your purchases.
• Lyft: Earn 5% cashback on qualifying Lyft rides through 03/31/2025.
• Credit Limit Increase: Your credit will be evaluated for a potential increase after just six months of having the Chase Freedom Rise℠ card.
• Card Upgrade: You will be automatically evaluated each year to upgrade to your first Chase Freedom Unlimited® card.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
• Redeem Rewards: For cashback, travel, gift cards, or shop with points at Amazon.com, and more.
• DoorDash: Receive a complimentary 3-month DashPass membership. After that, you’ll be automatically enrolled in DashPass at a 50% discount for the following 9 months. Activate by December 31, 2024.
• Purchase Protection: Covers new purchases for 120 days against damage or theft, with coverage up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: Extends the time period of warranty coverage by one additional year on original eligible warranties of 3 years or less.
• Travel Benefits: Include Trip Cancellation and Interruption Insurance.
• Additional features: Include Chase Credit Journey, zero liability protection, 24/7 fraud monitoring, lock/unlock feature, contactless pay, and digital wallets.
• Regular APR: 25.99% 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.

• Welcome Offer: Earn 20,000 bonus points after spending $1,000 within the first 3 months of account opening.
• 3x Points: On restaurants, travel, gas, transit, popular streaming services, and phone plans.
• 1x Points: On all other purchases.
• Annual fee: None.
• Foreign Transaction Fee: None.
• 0% Intro APR on Purchases: For 12 months from account opening.
• 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 19.24% - 29.24% applies to purchases and balance transfers.
• Redeem Rewards: For travel, gift cards, purchases, when you checkout with PayPal, and more.
• Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• My Wells Fargo Deals: Access personalized deals from various merchants and earn cashback on your purchases. Activate a deal, review its terms, and shop at the participating merchant with your eligible card. Cashback will be credited to your statement or account.
• Autograph Card Exclusives: Enjoy exclusive access to tickets to live events with popular artists, bringing you closer to the action than ever before with your Wells Fargo Autograph℠ Credit Card.
• Visa Signature® Experiences: Include Luxury Hotel Collection and Concierge Services.
• Travel Benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
• Additional Features: Include emergency cash disbursement and card replacement, zero liability protection, and Credit Close-up℠.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn a $200 cash rewards bonus when you spend $500 on purchases in the first 3 months from account opening.
• 2% Unlimited Cashback: Earn unlimited 2% cash rewards on all purchases, without tracking categories or quarterly activations.
• Annual Fee: None.
• 0% Intro APR on Purchases: For 12 months from account opening.
• 0% Intro APR on Balance Transfers: For 12 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 19.24% - 29.24% applies to purchases and balance transfers.
• Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.
• Redeem Rewards: Redeem for statement credits, purchases, gift cards, travel, and more.
• Cell Phone Protection: Receive up to $600 coverage against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• My Wells Fargo Deals: Access personalized cashback deals from various merchants. Activate deals, view terms, and earn cashback on purchases.
• Visa Signature® Experiences: Access Luxury Hotel Collection and Concierge Services.
• Travel benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
• Additional features: Include zero liability protection, Credit Close-Up℠, and emergency cash disbursement and card replacement.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 25,000 bonus points after you spend $1,000 in purchases within the first 90 days of account opening.
• Unlimited Points: Earn 1.5x points per $1 spent on all purchases.
• 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.
• Redeem Rewards: Redeem points for a statement credit to pay for travel and dining purchases or book your next trip.
• 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.

• Welcome Offer: Earn 75,000 bonus points after spending $5,000 within the first 90 days of account opening.
• 2x Points: On travel and dining.
• 1.5x Points: On all other purchases.
• Annual Fee: $550.
• Foreign Transaction Fees: None.
• Preferred Rewards®: 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 travel, cash, distinctive experiences, or gift cards. Plus, save 20% on airfare when you pay with points through the Bank of America Travel Center.
• Up to $300 for Airline-Related Expenses: Enjoy a $300 annual travel statement credit for qualifying travel purchases such as seat upgrades, baggage fees, in-flight services, and lounge fees.
• Up to $150 for Lifestyle Conveniences: Enjoy a $150 annual statement credit for lifestyle conveniences, including streaming services, food delivery, fitness subscriptions, and rideshare services.
• Global Entry/TSA PreCheck®: Get up to $100 every four years for TSA PreCheck® or Global Entry Application fees.
• Airfare Savings: Get 20% savings on domestic or international airfare for any class when you pay with points through the Bank of America Travel Center or the Concierge.
• Airport Lounge Access: Enjoy complimentary Priority Pass™ Select Membership which gives you unlimited Airport Lounge Access (1,300+ VIP lounges in over 500 cities worldwide) and more.
• Visa Infinite® Experiences: Include Luxury Hotel Collection, Full Service Concierge, and Rental Car Privileges.
• Travel Benefits: Include Roadside Dispatch®, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Common Carrier Travel Accident Insurance, Emergency Evacuation and Repatriation of Remains Coverage.
• 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.