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
Updated: August 14, 2018
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. While you have a choice of bank or airline co-branded cards, the flexible miles awarded by bank-branded travel cards offer more versatility thanks to blackout-free redemption that’s not limited to a single airline.

Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.99% - 24.99% Variable
$0
Good/Excellent

+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

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

+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. While some cards offer year-round bonus rewards, some of the best deals comes from high-rate quarterly rewards cards.

Discover it® Cash Back Review

at Discover Card'ssecure website

GAS REBATE RATING

★★★★★

5.0

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.99% - 24.99% Variable
$0
Good/Excellent

+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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 24.99% Variable
$95
Good/Excellent

+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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.99% - 25.74% Variable
$0
Good/Excellent

+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® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★

5.0

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.99% - 24.99% Variable
$0
Good/Excellent

+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.

Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% INTRO APR RATING

★★★★★

5.0

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
13.49%-26.99% (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

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

+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 an annual statement credit for good grades.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★

4.9

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.99% - 23.99% Variable
$0
Fair

+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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.99% - 25.74% Variable
$0
Good/Excellent

+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

★★★★★

4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited

+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

+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.