Amex EveryDay® Credit Card
The Amex EveryDay® Credit Card (Review) is a rare breed because it offers a top-notch balance transfer deal — a long intro period and no transfer fee — along with a solid rewards program (most great balance transfer cards don’t have very good rewards).
pros and cons
EARN 20% EXTRA POINTS.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.‡
2X POINTS
At US supermarkets on up to $6,000 per year in purchases (then 1X).‡
1X POINTS ON OTHER ELIGIBLE PURCHASES
Earn 1X Membership Rewards® point for every eligible dollar you spend. Terms and Limitations Apply.‡
No cash back.
Cost
Annual Fee
$0
Purchase APR
None
Foreign Transaction Fee
Cash Back
None
Credit Score
Good
No Annual Fee Credit Cards For Bad Credit
Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.
Food (Restaurants and Groceries)
The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.
Travel Rewards with No Annual Fee
The Capital One® VentureOne® Rewards Credit Card (Review) is the top no fee travel card because it offers a decent reward rate for every purchase you make, with the ability to transfer your miles to a variety of airline partners. It can help you travel for free without putting an extra strain on your wallet, as long as you avoid interest and other fees.
Signup Bonus Credit Card
The signup bonus — one of the most valuable and coveted credit card features, with the potential to put a huge dent in your spending or help you score free flights and hotel stays. Many rewards cards come with signup bonuses, also known as introductory bonuses or welcome bonuses. These bonus offers can provide a surprising amount of value, with returns on spending ranging from around 20% on average to more than 50% in some cases.
Rotating Bonus Categories
A typical rotating bonus category earns 5%, while other cards are limited to earning 2% or 3% cash back, says Daniel Gillaspia, travel and rewards expert and founder of the travel rewards blog UponArriving. Category choices are gas, online shopping, dining, travel, drugstores, or home improvement/furnishings.
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