Best Credit Card Deals

Selected by CardHub Editors from 1,000+ credit cards — Updated February 11, 2016

The post-Great Recession landscape has been rife with attractive credit card deals – including hundreds of dollars in initial bonuses and extended 0% terms. But which are the best of the bunch? After reviewing more than 1,000 options, CardHub’s editors have selected the following offers (some of which are from CardHub sponsors) as the Best Credit Card Deals of 2015. If you want to narrow your search based on the type of feature you’re most interested in, you can also check out CardHub’s picks for the Best Rewards Credit Cards, Best 0% Credit Cards, Best Balance Transfer Credit Cards and more.

excellent Credit

Chase Slate®

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  • Purchase intro APR 0% for 15 months
  • Transfer intro APR 0% for 15 months
    Transfer Fee: $0 Intro
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee None
  • Rewards None

Best For Balance Transfers. The Slate Card from Chase (a CardHub advertiser) is what's known as a free balance transfer credit card, as it offers a 0% introductory rate and charges neither a balance transfer fee (for the first 60 days) nor an annual fee. These unusually attractive terms stand to save the average consumer as much as $1,000 in fees and finance charges while expediting the timeline to debt freedom. A credit card calculator can give you a more exact sense of how valuable the Slate Card will be in your particular situation. For more information, you can find our full review of the Chase Slate Card.

Chase Sapphire Preferred® Card

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  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 16.24% - 23.24% (V)
  • Annual Fee Intro Fee of $0 for 1st yr, $95 after
  • Rewards Rate 1 - 2 points / $1
  • Rewards Bonus 50,000 points

While you might be able to find an initial bonus that offers more points/miles than the Chase Sapphire Preferred Card, it’s hard to argue against this card being the best given the ultimate value and versatility of its rewards. The 50,000 bonus points you get after spending $4,000 during the first three months can be redeemed for a $500 statement credit, which is clearly more useful to the average consumer than a free flight or a couple of complimentary hotel nights. However, it’s important to note that you should only apply for this card if you would ordinarily spend $4,000 within a three-month period.

Capital One® Venture® Rewards Credit Card

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  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee $0 for 1st yr, $59 after
  • Rewards Rate 2 miles / $1
  • Rewards Bonus 40,000 miles

Best For Rewards. The Capital One Venture Card is travel rewards royalty. The 40,000 bonus miles you get after spending $3,000 during the first three months can be redeemed for a $400 statement credit applicable to any travel-related charges that post to your account. And the 2 points per $1 spent that you will earn on a recurring basis equates to 2% cash back on all purchases, provided that you redeem for travel statement credits. That might be all you need to know before adding Venture to your wallet, but if not, check out our full-length review. For full disclosure, Capital One is a CardHub advertising partner.

Barclaycard Arrival Plus™ World Elite MasterCard®

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  • Purchase intro APR N/A
  • Transfer intro APR 0% for 12 months
    Transfer Fee: 3%
  • Regular APR 16.24% - 20.24% (V)
  • Annual Fee None 1st yr, $89 after
  • Rewards Rate 2 miles / $1
  • Rewards Bonus 40,000 miles

Best For Rewards. The Barclaycard Arrival Plus World Elite MasterCard is one of a select few offers providing consumers with the opportunity to earn a $400 initial rewards bonus, which itself provides a great deal of flexibility given that it can be applied to any travel-related expense. This card also follows the very successful Venture Card model, providing the miles equivalent of 2% cash back across all purchases as long as users redeem for travel. As a result, this is a great option for travel-minded consumers who will be able to meet the card’s $3,000 initial spending requirement within the first 90 days. Note: Barclays is a CardHub advertiser.

good Credit

Capital One® Quicksilver® Cash Rewards Credit Card

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  • Purchase intro APR 0% until November 2016
  • Transfer intro APR 0% until November 2016
    Transfer Fee: 3%
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee None
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus $100

Best For Rewards. A great everyday credit card for people with good credit, Quicksilver brings value and simplicity to the rewards process, providing 1.5% cash back across all purchases, in addition to a $100 initial bonus for spending at least $500 during the first three months. The fact that this card does not charge an annual fee serves as the cherry on top of this attractive deal. Note: Capital One is a CardHub advertiser. To learn more, check out our full review of the Quicksilver Card.

fair Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Purchase intro APR 0% until November 2016
  • Transfer intro APR 0% until November 2016
    Transfer Fee: None
  • Regular APR 23.24% (V)
  • Annual Fee $39
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus None

Best For Rewards. The QuicksilverOne Cash Rewards Card from Capital One (a CardHub partner) represents the absolute best rewards-earning option available to people with fair or limited credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases until November 2016 makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

limited Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Purchase intro APR 0% until November 2016
  • Transfer intro APR 0% until November 2016
    Transfer Fee: None
  • Regular APR 23.24% (V)
  • Annual Fee $39
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus None

Best For Rewards. The QuicksilverOne Cash Rewards Card from Capital One (a CardHub partner) represents the absolute best rewards-earning option available to people with fair or limited credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases until November 2016 makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

Journey® Student Rewards from Capital One®

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For College Students

  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 20.24% (V)
  • Annual Fee None
  • Rewards Rate 1 - 1.25% Cash Back
  • Rewards Bonus None

Best Cash Back Rewards For College Students. Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards without charging an annual fee, it also promotes good habits. You get a 25% rewards bonus each month you make an on-time payment, and getting in the habit of paying for what you spend early in your credit career will put you on the path to excellent credit as well as save you a lot of money in interest in the years to come (assuming you pay your bill in full as well as on time, which we highly recommend). Note: Capital One is a CardHub advertising partner.

BankAmericard Cash Rewards™ for Students Credit Card

For College Students

  • Purchase intro APR 0% for 12 months
  • Transfer intro APR 0% for 12 months
    Transfer Fee: 3%
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee None
  • Rewards Rate 1 - 3% Cash Back
  • Rewards Bonus $100

Best For Student Financing. This card is capable of meeting the needs of various types of college students, from those who wish to earn rewards on everyday expenses like gas and groceries to those who need help paying for big-ticket expenses like textbooks. The fact that it doesn’t charge an annual fee and actually pays you $100 just for spending $500 in the first 90 days you have it just makes things sweeter, The one thing you don’t want to do with this card is use it overseas, as it charges a 3% foreign transaction fee. So, if you plan on studying abroad or doing some international travel, you may want to consider a card from Capital One (none of its offer charge foreign fees).

bad Credit

Capital One® Secured MasterCard®

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Secured Card

  • Min Deposit $49, $99 or $200
  • Annual Fee None
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 24.99% (V)

Best Partially-Secured Card. The Capital One Secured MasterCard does not charge an annual fee, and the fact that it can be a partially-secured card makes it quite an attractive option for many consumers. With a partially-secured credit card, your credit line may exceed the amount of your security deposit, thereby providing you with an emergency line of credit, if needed, and enabling you to maximize your available credit. The more credit you have available, the faster your credit standing will improve. The Secured MasterCard Credit Card from Capital One (a CardHub advertiser) is therefore an option that at least merits consideration if you have bad or limited credit. To learn more about this helpful credit-building tool, check out our full review.

Credit One® Visa® with Credit Line Increase Reviews

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  • Annual Fee $0 - $99
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 15.65% - 24.15% (V)

Best Unsecured Card For Bad Credit. We tend not to recommend unsecured credit cards for bad credit given the prohibitive costs and low credit lines typical of the genre. If you truly need an emergency loan, however, this Credit One Visa Card is your best bet. It charges a relatively modest annual fee of $0 - $75 the first year, depending on your credit standing, and $0 to $99 each year thereafter. And it even offers 1% cash back on gas and grocery purchases.

Expert Answers

Is credit standing the only factor to consider?

By: Odysseas Papadimitriou, CardHub CEO

If you can't get approved for a given credit card, it might as well not exist. Therefore, your credit standing dictates the credit card deals available to you and helps narrow your search. However, it's not the sole factor to be taken into consideration when searching for the best credit card deal. Credit cards are usually designed for specific purposes, and, as a result, the best deals on credit cards depend on what you plan to use your card for in addition to your credit standing.

How often do these credit card deals change?

By: Odysseas Papadimitriou, CardHub CEO

People often search for the best credit card deals 2011, implying a belief that these deals are static. However, credit card companies regularly change their offers, often altering rewards, interest rates and fees in the process. This means that the best credit card deals one month might not be the same as the next. As a result, our editors update this list whenever they find new deals.

What's the difference between credit card deals and credit card promotions?

By: John Kiernan, Personal Finance Editor

Credit card promotions, or credit card specials, are generally limited-time offers used by credit card companies to advertise special card features, such as an introductory 0% APR. While some of the best credit card deals stem from credit card promotions, others are categorized as good deals because of prominent yet permanent features. However, since these terms are so closely connected, they are often used interchangeably to describe top credit card offers.

Community Discussion

Ask a question or help others find the best credit card deals by sharing some tips.

Jan 4, 2016
Photo of Mike J.
Jan 4, 2016
The Capital One Quicksilver card and Capital One in general is a great card to have. In addition to the rewards offered by the Quicksilver, I've found that Capital One is a great bank to work with. Their website and mobile app are both easy to use and reliable. When applying for a card, Capital One has a prequalifying application that is especially helpful if you are worried about not being approved. It would be nice if all cards had an easy preapproval process, but it seems that some cards have gotten rid of this feature.
Jan 4, 2016
Photo of Nicolette C.
Jan 4, 2016
The Chase Slate is a great balance transfer card, it offers no interest for 18 months. It's great for getting your debt and finances back on track without having to pay a ton of interest. The only downside is you can not transfer your balance from another Chase card. The application process is extremely easy, and the card shows up on the chase website next to your other cards, which is super convenient.
Jan 4, 2016
Photo of Ella L.
Jan 4, 2016
I think the best card here is the Chase Sapphire Preferred® Card because it is just so easy to earn rewards with it. The amount of rewards you get back versus the money you spend is definitely worth it. Their customer service staff is the best that I have dealt with. Their interest rates are fair, and the rewards are easy to redeem as cash or a statement credit!
Nov 8, 2015
Photo of Anthony M.
Nov 8, 2015
I used the Capital One Secured MasterCard to build credit after bankruptcy and thought it was a pretty useful tool at the time. It was easy to qualify for, and I did get my deposit back when I closed the account. I now have the Capital One Quicksilver Cash Rewards card. I've really enjoyed this card and agree with the editor that it's one of the best on the market. No annual fee combined with the bonus $100 makes this card very attractive if you have good enough credit to qualify. I can't see a reason to pass this up.
Oct 16, 2015
Photo of Lucile A.
Oct 16, 2015
I actually have two of the best cards on this page, the Capital One Quicksilver Cash Rewards credit card and the Chase Slate credit card. I prefer the Capital One card. The application process for it was so much easier than with Slate. I applied online and they approved me instantly while with Chase I was asked to confirm by phone. Now I know this may depend on your credit rating and your credit history, but Capital One gave me a credit limit of $10,000 while Chase just gave me $1200 on the Slate card. I like that they both have no fee but that Slate card doesn't have any more
Sep 30, 2015
Photo of Devin M.
Sep 30, 2015
The best card is the Capital One Quicksilver card, the no interest introductory rate is great, the ease of redeeming rewards is fantastic, and the company is easy to deal with. We pay the balance off monthly, and the discount from using our rewards makes life a little easier sometimes. It has helped me improve my credit, but it has also given me a sense of security with the security chip, and great customer service.
Sep 29, 2015
Photo of Valerie W.
Sep 29, 2015
The best credit card is Capital One. Back in 2001, I was diagnosed with a chronic illness and couldn't work. Needless to say, I couldn't pay my credit card debt and my credit was ruined. For many years after that, I had to be a second user on my husband's Discover card. I rarely used it and paid off the balance every month. When I was single again, Discover wouldn't have anything to do with me. Capital One to the rescue!! They gave me a MC with a low limit to get me started. Again, I only used it for online purchases and paid the full balance each month on more
Sep 29, 2015
Photo of Caitlin M.
Sep 29, 2015
In my opinion, the Capital One Platinum credit card is the best credit card for people working to build up their credit. There is no annual fee with the card, and if you make timely payments, your credit limit will increase over time. Capital One provides great customer service, and genuinely cares about their cardholders. There also is a credit tracker service that allows you to track your credit if you have this card as well, which is very beneficial to anyone trying to build up good credit. There is a 24.9% APR rate, and no transfer fees. There is also a $0 fraud liability if your card is ever more
Sep 10, 2015
Photo of Thanos C.
Sep 10, 2015
In my opinion, the Capital One Quicksilver Rewards card is the best out there at the moment. It has 0 APR for almost a year! It also has one of the lowest rates out there for individuals with good credit. It's nice to not have an annual fee, because who actually wants to waste more money to use something? I've had one for a few months now and it has helped improve my credit. The credit increases come automatically as you pay on time, which is a nice feature. I've enjoyed it so far and the customer service answers all my questions.
Aug 8, 2015
Photo of Patrick O.
Aug 8, 2015
In my opinion, the Capital One Quicksilver Cash Rewards Credit Card is by far the best card offered on this site. Having no annual fee while retaining a 1.5% cash back reward makes the card very alluring. In addition to this you have a reward bonus of $100 making this a great card if you plan on never missing a payment. Even with missing a payment the APR is on the lower side. This seems like the best card by far out of these options.
Aug 8, 2015
Photo of Jason H.
Aug 8, 2015
I believe that the Capital One Quicksilver Cash Rewards Credit Card is the best card offered today. With its low Regular APR, the fact that it never has an annual fee, and that it also gives 1.5% cash back on all purchases is great! On top of all of that, it also has a 0% purchase intro APR until April of next year! I've had Capital One credit cards before, and their customer service is always top notch. If you're looking for a new credit card, I would definitely go with this one. You won't find anything better than this!
Jun 14, 2015
Photo of Casey S.
Jun 14, 2015
I have always been a fan of the BankAmericard for Students card. The fact that it is a card designed by and for students already puts you at an advantage at a young age. There might not be any rewards, but there is also no annual fee.
Jun 14, 2015
Photo of Daniel W.
Jun 14, 2015
I haven't used a lot of credit cards, but the Capital One Quicksilver card is the best one I have used. 18 months of 0% APR is what did it for me, with 1 percent cash back. It is one of the best choices i have made credit card wise. The Customer service is amazing, they have successfully discussed and solved all of my problems. This is one of the top cards on the market. I very much recommend it.
Jun 12, 2015
Photo of Tina B.
Jun 12, 2015
The Capital One Quicksilver card is one of the best cards out there. You'll start off with 0% APR for the first 18 months while getting 1.5% cash back on every purchase. This means you can buy as many things as you want and earn rewards while not accruing any interest whatsoever. It's like they're paying you to have this card and that's a great feeling. Capital One's customer service is also really friendly and helpful. They have been the best in customer service in my experience. When you look at all aspects, very few cards match up to the Capital One Quicksilver card. I highly recommend it.
May 20, 2015
Photo of Adam M.
May 20, 2015
I have used a lot of credit cards, and my favorite has been the Capital One Quicksilver Cash Rewards card. I initially used this card to transfer over other high credit card debt because of the no interest introductory offer. Once I was able to pay down the transferred debt, I found myself using the card quite often. The card has a great interest rate and the rewards program is excellent. I get cash back on my purchases which are especially nice when it comes to fueling up my car. I drive a lot during the week, so the cashback offered by this card is perfect for me. I highly more
May 16, 2015
Photo of Karen S.
May 16, 2015
The Chase Sapphire Preferred® Card really gets you some great rewards for the money you spend. I have used it for many years and all the freebies I have gotten from it have been great. I would highly recommend it if you like free stuff!
May 9, 2015
Photo of Sure W.
May 9, 2015
I really like my Capital One® Venture® Rewards Credit Card it took me awhile to build my credit up enough to get it but now that I have it the rewards are great. I always pay it off on time so am not even concerned about the interest. All I care about is that I get good rewards and this one certainly gives them.
May 8, 2015
Photo of Kaylee T.
May 8, 2015
Bank of America is the best , they have great customer service, that help in case of emergency and are there 24/7. Their interest rates are excellent. They dont have any fees, the convienience is great. you can pay on your smartphone and they have an app. The have cash back rewards which is also awesome
May 8, 2015
Photo of Sebastian K.
May 8, 2015
I have two credit cards: a secured credit card and a Quicksilver 1.5% cash back card, both through Capital One. I haven't had any customer service experiences with either, since I've never run into any issues with either. I love my Quicksilver card, though. The 1.5% cash back isn't too stellar, but it's definitely appreciated. If you use it more-or-less exclusively, you're definitely going to exceed its annual fee (which is quite high). It also came with about a year of 0% introductory APY, and you still earn cash back during that period. Definitely recommended if you don't have the greatest credit score, and Capital One often runs pre-approval promotions on it.
May 8, 2015
Photo of Daniel T.
May 8, 2015
I am currently using Chase Freedom Card. From my personal experience with all the cards I have had in the past 5 years, this is by far the best one. You can get cash back on almost anything you buy, especially gas and up to 5%. The rates are really low and the cash back rates as well. On top of that the monthly minimum payments are low as well. There are no annual fees as well. It is a great card with many benefits.
May 8, 2015
Photo of Zbyszek K.
May 8, 2015
The best on the market that I use is an AmEx Gold card. I got it originally as an extended line of credit from my father, but I've found it quite useful. The annual fee is reasonable, I get free benefits such as roadside assistance and rental car insurance. Every time that I need to speak to customer support, they are always willing to extend themselves for me in order to right anything that might have been wronged. I wish more places accepted AmEx!
Apr 27, 2015
Photo of Kayla R.
Apr 27, 2015
The best card I know of has got to be the Discover IT card. It's a very versatile card with no annual fees, reasonable interest rates, and a flexible cash back program, so it's perfect for just about anybody, I think. Plus, Discover's customer service is so great, they're always very helpful and kind when I have a question.
Apr 27, 2015
Photo of Bre F.
Apr 27, 2015
I have the Quicksilver and the student cash rewards cards (for a time). No annual fees and normally you get 1.5% back. I made all Christmas related purchases and I don't normally do Christmas. This year I expect to get somewhere between $300-400 back.
Apr 27, 2015
Photo of Jason I.
Apr 27, 2015
My favorite card is easily the Platinum Prestige from Capital One. It has a lot of great bonus features and offers an intro APR that is pretty much impossible to beat. I used it to transfer a balance from a previous card to 0% and just for that - I love this card! I like being able to see what my credit score is (in real-time) , the auto rental insurance, and the roadside assistance. There's no way to go wrong with this one.
Apr 27, 2015
Photo of Nick S.
Apr 27, 2015
My favorite card is the Barclay Arrival Plus credit card. This card offers a great bonus and also offers double points on every purchase no matter the category. The best part is that you can use your points on ANY travel related purchase as a statement credit. That's any airline, any hotel, ect... I highly recommend this card for anyone that travels.
Apr 27, 2015
Photo of Justin B.
Apr 27, 2015
My favorite credit card has to be the Visa Rewards card from USAA, it has a great APR and awesome for earning points to get money back.
Apr 26, 2015
Photo of Turk S.
Apr 26, 2015
The best credit card is the Platinum American Express. The customer service and rewards points program is by far the best I've ever experienced. I love being able to convert points to miles on whatever airline I chose. I also appreciate how they monitor spending and catch any fradulant charges immediately. They have on several occasions notified me of fraudalant activity on my card and sent a new card within 24 hours to my home. I highly recommend this card!
Apr 22, 2015
Photo of Guy E.
Apr 22, 2015
My favorite card is the Amazon Visa Rewards card. Using it to pay for and renew Prime, and to give a good percentage back on my purchases. The card offers better return on spending for gas and groceries as well as any other card I've used. It's a great all around card that's useful in every situation, but especially useful since I shop on Amazon so much. Using it for auto-renewal items makes it an even better deal.
Apr 19, 2015
Photo of Daniel N.
Apr 19, 2015
My favorite credit card is the Bank of America rewards card. Applying was easy, and getting approved did not take long either. I use this card for everything. My favorite feature is definitely the cash back feature. It's always nice getting rewarded for things that you already would have bought.
Apr 19, 2015
Photo of Matt C.
Apr 19, 2015
I personally use the Capital One Quicksilver Cash Rewards Credit Card because of the 1% cash back. I have never had any trouble with fees or penalties and can use the can back as a plus. This really is my favorite credit card just because of that. It doesn't have any annual fees as well as provides the cash back perk. My other card only has no annual fees. This is why this card is clearly my favorite of the two I own. I try to use it for a majority of my purchases just because of that. That is why I would recommend it to anyone looking.
Apr 19, 2015
Photo of Brandon H.
Apr 19, 2015
I have used a lot of credit cards and my favorite is easily my Amazon.com card through Chase. It was very easy to get. There is no annual fee. And when you sign up they give you $50 in amazon credit. The interest rate is market competitive. The reward points are very generous....3x points on all amazon purchases, 2x on food and gas, and 1x points on everything else.
Apr 19, 2015
Photo of Max L.
Apr 19, 2015
The best credit card for me is the BankAmericard® for Students Credit Card. I like it because I'm a college student. There is no annual fees and it's perfect for student like me who will need time to pay off debts.
Apr 19, 2015
Photo of John F.
Apr 19, 2015
The best credit card I use is my capital one card. I love the rewards I get with it and it is always easy to redeem them. When I call customer service is always prompt in getting my needs met. I use this card for at least 75% of my purchases, and I feel safe using it on-line with the awesome fraud protection features. Overall Capital One is a great credit card company to use.
Jan 4, 2015
Photo of Cody R.
Jan 4, 2015
The low rates and ease of payment of my Amazon credit card make using it simple.
Jan 2, 2015
Photo of Joseph B.
Jan 2, 2015
The best credit card for you probably depends on what benefits you want most out of the card. The best card I know about is amazon's own card. If you're like me and do all of your shopping at amazon, the savings add up. There's no annual fee and the rates are what you would expect from a retailer card and will vary based on market. Either way, the rewards card is great since everything gives you a percentage back on purchases made anywhere.
Jan 2, 2015
Photo of Desmond S.
Jan 2, 2015
My wife and I both have our own Capital One platinum prestige cards. We were fortunate enough to also be awarded 13% APR and although there are no rewards, the benefit of no annual fee is a better bargain to me. It is a very persistent card and I have had it since 2008. I love this card because the monthly required payment amount is of medium weight and there isn’t much interest to be charged.
Jan 1, 2015
Photo of Sarah M.
Jan 1, 2015
I have a number of cards which have helped me build and maintain my credit and my favorite by for is the capital one quicksilver card. I love the rewards system, you get 1 percent of every purchase back. You can redeem your rewards whenever you like for any amount. This card also has a good interest rate for me which is great for when i make big purchases that i intend to pay off over a number of months.
Dec 30, 2014
Photo of Gary G.
Dec 30, 2014
How long before I get an answer
Dec 20, 2014
Photo of Isis S.
Dec 20, 2014
I love my Discover IT card. They have tons of stores that offer 5% cash back and you can even use Shop Discover which gives you even more discounts.
Dec 1, 2014
Photo of Hunter L.
Dec 1, 2014
I prefer Capital One® Quicksilver® Cash Rewards Credit Card because there is no annual fee!