12 Best Credit Card Deals (Airline, Travel, Transfer, 0% APR & More)

12 Best Credit Card Deals (Airline, Travel, Transfer, 0% APR & More)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: October 19, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

The search for the best deal is an age-old art, one likely practiced by buyers for centuries. I can imagine ancient shoppers going from camel salesman to camel salesman, looking for a bargain on their new ride.

For the modern consumer, finding the best deal is easier than ever, with most of the hard work being done by search engines and other online tools. The search for the best credit card deal is no exception, and deals abound for just about any kind of card.

In many ways, the biggest problem in finding the best credit card deal is often narrowing down the type of card you need. To help in your search, we’ve compiled the top credit card deals across 12 categories. Browse the sections below to determine which card is the best for you.

Airline | Travel | Gas | Points | Cash Back | Balance Transfer | 0% APR
Business | Student | Good Credit | Fair Credit | Limited Credit

Best “Airline Rewards” Credit Card Deal

Airline miles are one of the best ways to make traveling more affordable — they can turn that daydream of a someday vacation into a now reality. Top airline rewards cards not only let you rack up miles to pay for your next flight, but many come with extra perks, such as free in-flight Wi-Fi or a free checked bag.

Discover it® Miles – Unlimited 1.5x Rewards Card Review

at Discover'ssecure website

  • Our Take: "If you're looking for a card that gives you air miles, your search is over. This card helps you earn free flights with multiple airlines, awards very generous bonuses, and offers a low APR to boot.
  • Earn unlimited 1.5x Miles on every dollar spent
  • Cover travel costs by redeeming the miles in any amount for a statement credit
  • Fly any airline, any time
  • No blackout dates
  • At the end of your first year, the card automatically matches the miles you've earned (only for new cardmembers)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
14 months
10.99%
14 months
11.24% - 23.24% Variable
$0
Excellent/Good

+See More Airline Rewards Credit Card Deals

Best “Travel Rewards” Credit Card Deal

Travel rewards cards are a good option for those who want to use the same rewards card to purchase their hotel accommodations as they do their airline tickets. The best travel rewards cards on the market offer sizeable signup bonuses that could have you on your way to the beaches or slopes in no time. Keep an eye on minimum spending requirements, though, as they will need to be met before you are eligible for the bonus.

AIR MILES RATING

★★★★★

5.0

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.24% - 23.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

+See More Travel Rewards Credit Card Deals

Best “Gas Rebates” Credit Card Deal

Whether you are planning the Great American Road Trip, or simply need to keep a gas-guzzling SUV on the roads, a gas rebate or rewards card can go a long way toward keeping your tank full — without draining your wallet. Look for quarterly rewards bonuses to multiply your gas rewards.

Discover it® Cashback Match™ Review

at Discover'ssecure website

GAS REBATE RATING

★★★★★

4.8

OVERALL RATING

5.0/5.0
  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
14 months
0%
14 months
11.24% - 23.24% Variable
$0
Excellent/Good

+See More Gas Rebates Credit Card Deals

Best “Rewards Points” Credit Card Deal

Rewards points can be used for almost anything — from electronics to flights, or even gift cards — and the signup bonus offers for points cards can be huge. Many of the top cards offer bonus points in certain categories, so make sure to know the best places to cash in. Just as with travel cards, the signup bonus may have a spending requirement.

POINTS & GIFTS RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24%-23.24% Variable
Introductory Annual Fee of $0 the first year, then $95
Excellent Credit

+See More Rewards Points Credit Card Deals

Best “Cash Back” Credit Card Deal

If you like the idea of walking around with a coupon that’s good on all of your purchases, you want a cash back credit card. A cash back rewards card offers a set percentage back, in cash, on everything you purchase with your card. The best deals will come with a cash signup bonus (check spending requirement), and let you redeem your cash back at any time.

CASH BACK RATING

★★★★★

5.0

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
15 months
0%
15 months
14.24%-23.24% Variable
$0
Excellent/Good

+See More Cash Back Credit Card Deals

Best “Balance Transfer” Credit Card Deal

The best way to beat a high interest rate may just be the balance transfer. If you carry a balance that’s being bogged down by a high interest rate, try finding a good balance transfer card. The best deals offer a no-fee transfer of your current balance from another card, as well as providing 0% APR on your transferred balance for an initial period of time.

Discover it® 18 Month Balance Transfer Offer Review

at Discover'ssecure website

0% BALANCE TRANSFER RATING

★★★★★

5.0

OVERALL RATING

4.9/5.0
  • Our Take: "With a ridiculously good deal on balance transfers, low APR's, and a generous cash-back program, we can see why this card is so popular.
  • 0% intro APR on balance transfers for 18 months
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
6 months
0%
18 months
11.24% - 23.24% Variable
$0
Excellent/Good

+See More Balance Transfer Credit Card Deals

Best “0% Intro APR” Credit Card Deal

When you know you have a large purchase coming up, a good 0% Intro APR credit card deal can be a great way to buy without having to shell out a lot of cash up front. Term lengths will vary by offer, but the best usually have an introductory period of at least 12-15 months, during which time you’ll pay no interest on new purchases.

0% INTRO APR RATING

★★★★★

5.0

OVERALL RATING

4.7/5.0
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
15 months
0%
15 months
13.24%-23.24% Variable
$0
Excellent/Good

+See More 0% Intro APR Credit Card Deals

Best “Business” Credit Card Deal

Running a business comes with a lot of expenses, but the right business credit card will make those expenses a little more affordable. The top business cards come with cash back rewards that let you keep more of your money in your business, as well as offering signup bonuses to those who can meet the spending requirements.

BUSINESS CARD RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

+See More Business Credit Card Deals

Best “Student” Credit Card Deal

Most students have trouble finding a good credit card deal because they have yet to really establish themselves in the credit world. Take advantage of a student credit card, specially designed for students just getting started. The best offer cash back on your purchases, and student-centered perks such as bonuses for good grades.

Discover it® for Students Review

at Discover'ssecure website

STUDENT RATING

★★★★★

4.9

OVERALL RATING

4.5/5.0
  • Our Take: "The lack of fees, combined with great perks like cash back and free credit score tracking, make this credit card a solid deal for college students.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases with no limits
  • No annual fee
  • $20 cash back each year your GPA is 3.0 or higher (maximum 5 years)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
6 months
10.99%
6 months
13.24%-22.24% Variable
$0
Fair Credit

+See More Student Credit Card Deals

Best “Good/Excellent” Credit Card Deal (700+ Credit Score)

When you have an excellent credit score, you have a veritable credit card deal buffet from which to choose. For you, the best deal will be the card that complements your buying habits, such as one that offers bonus rewards in categories that are important to you. You can look forward to low interest rates and the best signup bonus offers.

EXCELLENT CREDIT RATING

★★★★★

5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
15 months
0%
15 months
14.24%-23.24% Variable
$0
Excellent/Good

+See More Good/Excellent Credit Card Deals

Best “Fair Credit” Credit Card Deal (650-700 Credit Score)

Whether you’ve improved your credit after a period of rebuilding, or have just started cleaning up after a recent misstep, the world of fair credit cards is still full of great deals. The cream of the deal crop will offer a low or 0% introductory APR and cash back rewards. Also look for fun perks, like discounts when you use your card to make travel purchases.

FAIR CREDIT RATING

★★★★★

4.9

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
0% for 9 months
23.24% (Variable)
$39
Average, Fair, Limited Credit

+See More Fair Credit Card Deals

Best “Limited/No Credit” Credit Card Deal

Those who are just beginning their credit journey may find fewer deals than their more established peers, but there are still some great cards to be had. The best card deals will come with no annual fee and offer credit score tracking so you can keep an eye on your growing credit.

NO/LIMITED CREDIT RATING

★★★★★

4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited Credit

+See More Limited/No Credit Card Deals

Use Your Credit Cards Wisely

Unlike ancients shopping for a new camel, modern credit card shoppers looking for a deal have it easy. Finding a deal on a credit card is as simple as knowing what type of card you need and applying for it. (Plus, credit cards don’t spit.)

Regardless of which type of credit card deal you choose, you will want to avoid late or missing payments. Not only do late payments usually come with some hefty fees, but they’re like leeches draining your credit score. Use automatic bill paying services to automate your finances and avoid late payments.

Additionally, never forget that credit cards are a form of debt. Always pay off your credit card balance, in full, each month to avoid paying interest fees or accruing an unmanageable debt. At the end of the day, the best credit card deal will be the one that you can use responsibly.