BEST CREDIT CARD OFFERS

NOTE: If you’re new to this stuff and find the array of credit cards bewildering, please consider my guide to credit cards and bank bonuses.

DISCLAIMER: A few of these are affiliate links, which means I get paid for them if your application is approved. In the spirit of full disclosure, all affiliate links of mine are marked like so: (A). I do not post an affiliate link, or any other link, unless it is the best possible offer in its niche. If a link isn’t working or isn’t the best offer, or if you have any general credit card questions please drop me a line or leave a comment below.

This page has two sections: the best sign-up bonuses, and the best spending bonuses.

BEST SIGN-UP BONUSES

AIRLINES

HOTELS

GENERAL TRAVEL

CASH BACK

BEST SPENDING BONUSES

There is one credit card that all of you should have in your wallet, and that’s the Fidelity Amex. It gives you 2% cash back on everything and has no annual fee. It is the only card like this. I do not benefit in any way if you get this card–I just feel very strongly that it’s the best general-purpose card out there.

The Barclaycard Arrival World MasterCard (A) gets you 2.2% back on your purchases (a flat 2% otherwise) if you redeem for travel. It has an annual fee, but the fee is waived the first year, plus it comes with a 40,000 point bonus.

If you live in CA, OR, WA, or NV, you may want to consider the Marukai JCB card, which gives 3% on almost all spending. I don’t live in any of those states, so I have no firsthand experience, but I’d certainly check it out if I did live on the west coast.

If you live in the bank’s footprint, there’s a TD Bank card with 5% on gas, groceries, and drugstores for the first 6 months here.

It takes some work, and there are some catches, but you can get 10% back from a number of retailers with the Upromise World MasterCard®(A). More on how this one works here.

The Chase AARP card gives 3% cash back on both gas stations and restaurants.

Aside from that, the best category bonuses are:

GROCERY:

Blue Cash Preferred (6%, capped at $6K/yr, $75 annual fee, submit your info at the link)

Salle Mae (5%, no annual fee, $250/month)

GAS:

PenFed Platinum Cash Rewards - 5% unlimited, no annual fee

OFFICE AND CELL PHONE:

Amex SimplyCash – 5%, no annual fee, capped at $12,000 / yr

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