Top Credit Card Offers For January 2019
Whether you're looking for travel rewards, cash back, low interest or more, we've done the research and have the right credit card for anyone. Below you will find this month's top credit card offers from our partners:
Bank of America® Cash Rewards credit card - $150 Cash Rewards Offer
Why We Like It
$150 after spending $500 on purchases within 90 days
Rewards Rate
- 3% - Earn 3% on the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement /furnishings for the first $2,500 in combined choice category/grocery/wholesale club purchases each quarter
- 2% - Earn 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery/wholesale club purchases each quarter
- 1% - Earn 1% cash back on every purchase
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- No annual fee
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
- No expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 16.24% - 26.24% Variable APR. 3% fee (min $10) applies to balance transfers
- If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 12 billing cycles
Intro APR for Balance Transfer
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Capital One® Savor® Cash Rewards Credit Card
Why We Like It
$500 after spending $3000 on purchases in the first 3 months
Rewards Rate
- 4% - Earn unlimited 4% cash back on dining and entertainment
- 2% - Earn 2% at grocery stores
- 1% - Earn 1% on all other purchases
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more
- $0 intro annual fee for the first year, $95 after that
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
Why We Like It
25,000 bonus points after spending $1,000 on purchases within the first 90 days
Rewards Rate
- 1.5X - Earn unlimited 1.5 points per $1 spent on all purchases
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 17.24% - 25.24% Variable APR
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 12 billing cycles
Intro APR for Balance Transfer
N/A
Regular APR
17.24% - 25.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Capital One® Quicksilver® Cash Rewards Credit Card
Why We Like It
$150 cash bonus after spending $500 in the first 3 months
Rewards Rate
- 1.5% - Earn unlimited 1.5% cash back on every purchase, every day
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- 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 won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% intro on purchases for 15 months
Intro APR for Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.24% - 25.24% (Variable)
Annual Fee
$0
Capital One® Venture® Rewards Credit Card
Why We Like It
50,000 miles after spending $3,000 on purchases in the first 3 months
Rewards Rate
- 10X - Earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- 2X - Earn 2x miles on every purchase, every day
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- 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. Plus transfer your miles to over 12 leading travel loyalty programs
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- No foreign transaction fees
- $0 intro annual fee for the first year; $95 after that
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
15.24% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
