Best credit card deals worth holding
| Card | APR(%) | Terms | Rewards |
| CASH-BACK CARDS Higher APRs make these rewards cards most suitable for people who pay of their balances in full each month. | |||
Amazon.com Rewards Visa |
13.26,18.24,or 21.24 depending on credit | Rewards can be taken as Amazon points after every $25 earned or cash back after every $50 earned. | Rewards can be taken as Amazon points after every $25 earned or cash back after every $50 earned. |
| American Express Blue Cash
|
17.24,19.24, or 21.24 | 0% APR for six months. | Until $6,500 in annual spending 1% cash back at supermarkets, drugstores, gas stations; 0.5% elsewhere. Above $6,500 in spending, rewards bump to 5% and 1.25%. |
| American Express Costco TrueEarnings
|
15.24 | 0% APR for six months. No annual fee with your paid Costco membership. | $25 statement credit with your first purchase; 3% cash back at gas stations up to $3000 annually(1% thereafter), 3% back at restaurants, 2% on travel, 1% elsewhere. |
| Capital One No Hassle Cash Rewards
|
15.9 | 0% APR for 12 months. No balance transfer fee. 19.8% APR and $39 annual fee for people with average credit. | 2% cash back on gas and groceries; 1% back on all other purchases. Rewards can be redeemed at any time. |
| Chase Freedom
|
12.99-22.99 | Must opt in to earn seasonal rewards every quater. | Get $100 bonus cash back after $799 in purchases in first three months; 5% cash back in quaterly categories like gas, home improvement, and department stores, subject to quarterly maximum; unlimited 1% cash back on all other ourchases. |
Fidelity Rewards American Express |
13.99 | To deposit rewards, must set up linked Fidelity account. | 2 points for every $1 you spend; points can be redeemed for merchandise, cash or used to fund an IRA,529 college saving plan, or brokerage account. |
PenFed Visa Platinum Cashback Rewards |
13.99 | 4.99% on balances transferred for 24 months, with 2.5% transferred for 24 months, with 2.5% transfer fee(capped at $100). | 5% cash back on gas. 2% at supermarkets, 1% elsewhere. |
| TRAVEL CARDS These cards offer the best deals for frequent travelers. | |||
Capital One Venture Rewards |
15.9 | No balance transfer fee. $59 annual fee waived in first year. | 2 miles per $1 spent; 10,000 bonus miles after spending $1,000 in first three months. VentureOne is a no-annual-fee version; it pay 1.25 miles per $1 spent with 0% APR for a year. |
PenFed Premium Travel Rewards American Express |
13.24 | $50 annual fee waived in first year. No foreign-transaction fee, but AmEx not widely accepted overseas. 4.99% on balances transferred for 24 months, with 2.5% transfer fee(capped at $100). | 5 points per $1 spent on airfare, 3 points per $1 on dinnig and hotels through 12/31/10; 1 point per $1 elsewhere. 20,000 point sign-up offer when you spend over $650 in first three months. |
| LOW-INTEREST/FEES CARDS Consider these cards if you carry a balance or want to transfer a balance. | |||
Iberiabank Visa Classic. |
7.25,10.25 or 13.25 | 12-month introductory rate of 0% or 7.5% on purchases,based on creditworthiness. | None |
PenFed Promise Visa |
9.99 | 7.49 intro purchase APR for 36 months. No fees of any kind. APR on balance transfers is the same as the purchase APR. | None |
Simmons First Visa Platinum |
7.25 | No balance transfer fee. APR on balance transfers is the same as the purchase APR. | None |
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