Update: Alive again!

Ink Business Preferred Credit Card – Link

Chase has an incredible new offer on the Ink Business Preferred Credit Card.

One of the most enticing features of the Chase Ink Business Premier Credit Card is its massive signup bonus of 100,000 points. Just for opening an account and meeting the minimum spending requirement of $8,000 within the first 3 months, (was originally $15,000) you can earn a whopping 100,000 points, which can be redeemed for travel, cashback, or transferred to Chase’s valuable travel partners. This generous signup bonus alone is worth $1,000 – $1,250 at a minimum, if not much more, making it an incredibly lucrative offer!
If you or someone in your household has the Chase Sapphire Reserve card, you can transfer your points over to the Sapphire Reserve and a value of 1.5 cents per point towards paid travel via Chase. That makes the signup bonus worth at least $1,500 towards travel!

But that’s not all! The Chase Ink Business Premier Credit Card offers a slew of other benefits that make it a top choice. First and foremost, the card earns you points on all of your purchases. You’ll earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping, advertising, and select streaming services each year.
Plus, you’ll earn 1 point per dollar on all other purchases, ensuring that you can rack up rewards quickly and effortlessly.

What sets the Chase Ink Business Premier Credit Card apart from some other credit cards is its flexibility when it comes to redeeming your points. Besides for redeeming for simple cash back at 1 cent per point, gift cards, statement credits, or redeeming for travel via chase at a set 1.25 cent per point, you can also transfer your points at a 1:1 ratio to Chase’s impressive list of travel partners, including popular airlines and hotels, allowing you to book flights or hotel stays at discounted rates or even for free.

As a card holder, you’ll also appreciate the additional perks that come with the Chase Ink Business Premier Credit Card. For example, the card offers valuable travel benefits such as trip cancellation/interruption insurance, Primary auto rental collision damage waiver, and roadside assistance, providing you with peace of mind when you’re on the road.

Additionally this card also offers Cell Phone protection which includes damage, theft, or involuntary and accidental parting. You are eligible for this protection if you pay your cell phone bill with this card, you do not need to have purchased the phone on this card.
With this benefit you are eligible up to 3 times per 12-month perion up to $1,000 in damages with just a $100 deductible.

The card also has no foreign transaction fees, making it an excellent choice for those that frequently travel internationally or make purchases in foreign currencies.

There is a $95 Annual free for this card, and all additional cardholders are free.

The Ink Business Preferred credit card is a Business card, but you do not need to be incorporated or have a business in the traditional sense to apply for a business credit card. If for instance you sell on ebay, or even if you have any other side business (and you want to keep your expenses separate), you are eligible to apply for a business credit card.  When filling out the business credit card application, choose “Sole Proprietor” as the type of business and fill in your personal name as your business name. For the Tax I.D. you will write your Social Security Number.
You do not need to have any revenue yet from your business to be eligible for a business credit card.

Have multiple businesses? No problem. You can apply for this card for each of your businesses, and receive the signup bonus for each approved card!

Additionally, With a business credit card, your balance is not reported on your personal credit report. That’s a nice perk, being that a whopping 30% of your credit report is made up of your credit utilization.

Don’t miss out on this incredible opportunity! Apply today!

Deal over.

Update: This offer ends soon, so apply now!

Chase Ink Business Cash – Link

For a limited time only, Chase has increased the bonus offer on the Ink Business Cash card to an incredible 90,000 bonus points!

For this offer you only need to spend $6,000 within 3 months or card opening to receive the bonus points.

• Best Offer Ever: Earn $900 bonus cash back (90,000 Points) after spending $6,000 on purchases within the first 3 months of account opening
• You will earn 5% cash rewards on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• You will earn 2% cash rewards on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash rewards on other purchases
• With Fraud Protection your card transactions will be monitored for signs of fraudulent activity using real-time fraud monitoring.
• With Zero Liability you won’t be held responsible for unauthorized charges.
• Pay no annual fee
• You can redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% APR for 12 introductory months on purchases

Update: The points on this card are currently transferable! That means you can transfer it to your other cards such as the Chase Sapphire!
It’s unclear if this is a glitch and allowing transfers, or if this is a permanent policy change.
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Chase Ink Business Premier Credit Card – Link

If you’re looking for a credit card that offers unparalleled benefits and rewards, with a massive signup bonus, look no further than the Chase Ink Business Premier Credit Card!
As one of Chase’s newest offerings, this card comes packed with features that can supercharge your earning potential.

Let’s start with the signup bonus, which is an incredible 100,000 points! To earn this massive bonus, all you need to do is spend $10,000 on purchases within the first three months of opening your account. This generous bonus is worth at least $1,000, making it an enticing offer for those looking to maximize their benefits.

One of the standout features of the Chase Ink Business Premier Credit Card is its robust earning potential. With this card, you can earn an unlimited 2.5 points per dollar on every purchase of $5,000 or more.

For big spenders, this card is truly a game-changer. The ability to earn 2.5x points on means that you can accumulate rewards at an accelerated pace, leading to even more valuable redemptions down the line. It’s definitely a powerful incentive for those that have purchases of $5,000 or more.

For all other purchase, you will earn an unlimited 2 points per dollar.

The Chase Ink Business Premier Credit Card also offers other nice benefits. For example, there are no foreign transaction fees, making it a great option for those that frequently travel internationally or make purchases in foreign currencies. Plus, the card comes with other valuable travel perks such as trip cancellation/interruption insurance, auto rental collision damage waiver, and roadside assistance.

In addition, the Chase Ink Business Premier Credit Card provides expense management tools that can help you streamline your accounting processes. You can add additional cards at no additional cost and set individual spending limits, making it easy to keep track of your expenses and earn rewards on all of the purchases. The card also provides quarterly and yearly expense reports, helping you stay organized and track your spending effectively.

In conclusion, the Chase Ink Business Premier Credit Card is a no-brainer for those looking to maximize their rewards potential, with its huge signup bonus of 100,000 points, and 2x – 2.5X points on all purchases.

Apply now, get this amazing signup bonus and start reaping the great points earning!

Update: This offer is set to end soon, so apply now!

IHG Rewards Premier Business Credit Card – Link

The Chase IHG Rewards Premier Business Credit Card has an amazing limited time offer that you won’t want to miss! By signing up for this card, you can now earn a whopping 165,000 bonus points after just spending $3,000 on purchases in the first three months from account opening.

But that’s not all – the Chase IHG Rewards Premier Business Credit Card also comes with some incredible perks that makes the card even better. For example, you will receive a FREE Reward Night after each account anniversary year which can be used at eligible IHG hotels worldwide. Plus, when you redeem your points for a consecutive four-night stay at an IHG hotel, you’ll get an extra reward night free!

As a cardmember, you can also earn up to 26 total points per $1 spent when you stay at an IHG hotel, which is an impressive rate. And when you use your card for other purchases, you can earn 5 points per $1 spent on travel, gas stations, select advertising, and restaurants, as well as 3 points per $1 spent on all other purchases. With such great earning potential, it’s easy to accumulate points quickly and start redeeming them for amazing travel experiences.

You’ll also get a free $50 United TravelBank cash each calendar year, (Must register card in your United account(, and you are also entitled to a TSA PreCheck/Global Entry Credit.

This card also has no foreign transaction fees.

Finally, the Chase IHG Rewards Premier Business Credit Card also gives you Platinum Elite status as long as you remain a Premier Business cardmember. This status comes with a range of benefits, including room upgrades, priority check-in, and late check-out. You’ll also earn more points per stay and have access to exclusive experiences and events.

IHG point redemption’s start at only 5000 points per night!

IHG Hotel Brands include:

1. InterContinental Hotels & Resorts
2. Kimpton Hotels & Restaurants
3. Crowne Plaza Hotels & Resorts
4. Hotel Indigo
5. EVEN Hotels
6. HUALUXE Hotels & Resorts
7. Holiday Inn
8. Holiday Inn Express
9. Holiday Inn Club Vacations
10. Holiday Inn Resort
11. avid hotels
12. Staybridge Suites
13. Candlewood Suites

Overall, with its impressive bonus offer, generous rewards program, and exclusive benefits, this card is a must-have in your wallet.
Don’t miss out on this amazing offer – apply for the card today and start earning points towards your next adventure!

Update: Deal over.

Update: This offer ends soon, so apply now!

Chase Sapphire Preferred Link

For a limited time, Chase has increased the signup bonus offer on the Chase Sapphire Preferred card, to 80,000 points!

To get the 80,000 bonus points, new cardholders need to spend just $4,000 on purchases within the first 3 months from account opening.

These 80,000 points are worth a minimum of $800 cash back or $1000 when redeemed via Chase Ultimate Rewards!

Additionally, with this card, you will also earn a free $50 credit for hotel accommodations annually!

You’ll also be getting a 10% anniversary points bonus for all purchases on this card. For instance if you spend $25,000 on your card, you’ll get a 2,500 point bonus.

Continue reading →

Marriott Bonvoy Boundless Credit Card – Link

Chase has a new limited time offer on the Marriott Bonvoy Boundless Credit Card.

With this new offer you will receive 5 Free Night Awards (value up to 250,000 points – 50,000 points per night award) after you spend just $5,000 on purchases in the first 3 months from account opening!

Additionally, every year on your account anniversary, you will receive 1 Free Night Award (valued up to 35,000 points).

With this card you will earn 6 points per $1 spent at Marriott hotels.
3 points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
All other purchases will earn 2 points per dollar.

This card will also give you automatic Silver Elite Status each account anniversary year and a path to Gold Status when you spend $35,000 on purchases each account year.  You’ll also get 15 Elite Night Credits each calendar year added to your Bonvoy account, which will help you attain higher elite status with Marriott.

There are no foreign transaction fees with this card.

Besides for redeeming your points for free hotel nights, points can also be transferred to over to many partner programs.
Here is a sample list of popular partner programs:

1. AeroMexico
2. Air Canada Aeroplan
3. Air France/KLM Flying Blue
4. Alaska Airlines
5. American Airlines
6. Avianca LifeMiles
7. British Airways
8. Delta SkyMiles
9. Frontier Airlines
10. Iberia Plus
11. JetBlue
12. Korean Air
13. Singapore Airlines
14. Southwest Airlines
15. United Airlines

This credit card has an annual fee of $95.

Marriott Bonvoy Boundless Credit Card – Link

Update: Offer expired.

Chase Sapphire Preferred Link

For a limited time, Chase has increased the signup bonus offer on the Chase Sapphire Preferred card, to its highest ever public bonus of 100,000 points!

To get the 100,000 bonus points, new cardholders need to just spend $4,000 on purchases within the first 3 months from account opening.

These 100,000 points are worth a minimum of $1000 cash back or $1250 when redeemed towards travel, or other categories with the Pay Yourself Back feature! The Pay yourself back feature allows you to redeem points for purchases on rotating categories, at 1.25 cents per point.

Additionally, with this card, you will also earn a free $50 credit for hotel accommodations annually!

You’ll also be getting a 10% anniversary points bonus for all purchases on this card. For instance if you spend $25,000 on your card, you’ll get a 2,500 point bonus.

For purchases on this card you’ll be earning:

• 5 points for every dollar spent on travel purchased through Chase Ultimate Rewards
• 3 points for every dollar spent on dining
• 2 points per dollar spent on all other travel purchases.
• For all other purchases, you will earn 1 point per dollar.

With this card you’ll also get:

• Unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
• Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

There are no foreign transaction fees with this card.

Continue reading →

Wells Fargo Active Cash Card – Link

The Wells Fargo Cash card has upped the signup bonus to $200 after making just $1,000 of purchases within the first 3 months of account opening.

This card is an excellent cash back card, as it offers an unlimited 2% back on all purchases everywhere!

Additionally, this card has no annual fee.

With this card, if you pay your cellphone bill on it, you will receive up to $600 insurance on your cell phone against loss or theft. There is a $25 deductible for the insurance.

Continue reading →

Chase Sapphire Preferred Link

For a limited time, Chase has increased the signup bonus offer on the Chase Sapphire Preferred card, to its highest ever public bonus of 100,000 points!
Chase has not announced how long this incredible offer will be around for.

These 100,000 points are worth a minimum of $1000 cash back or $1250 when redeemed towards travel, or groceries with the Pay Yourself Back feature! The Pay yourself back feature allows you to redeem points on grocery store purchases, at 1.25 cents per point.

Continue reading →

Chase is currently offering 2 nice offers on no-annual-fee business credit cards. Both the Chase Ink Business Cash or Chase Ink Business Unlimited cards both currently have 75,000 bonus points offers.

If you have though a Chase business relationship manager, it is possible you can earn as much as 200,000 bonus points on the Chase Ink Unlimited card.

The regular public offer on the Chase Ink Business Unlimited Card is as follows:

• You will earn 75,000 bonus points after you spend $7,500 within the first 3 months of account opening
• Unlimited 1.5% Cash Back on every single purchase!
• No Annual Fee
• 0% introductory APR for 12 months on purchases

In addition to what you earn with the public offer, with the Chase business relationship manager offer, you will receive an additional 125,000 bonus points after you spend $50,000 on purchases within the first 6 months of account opening, for a total of 200,000 bonus points!

If you have a Chase business relationship manager and are able to meet the $50,000 spending requirement, it may be worth it to reach out to your manager, and see if you can apply for this amazing 200,000 point offer.

If you do not have a Chase business relationship manager or are unable to meet the $50,000 spend requirement, you can always just go for current public offer of 75,000 bonus points. 75,000 bonus points is the highest ever public offer for these cards. In the past, these cards public offers were 30,000-50,000 bonus points.

— If you are contemplating applying for the public offer remember that you DO NOT NEED to be incorporated or have a business in the traditional sense to apply for a business credit card.
If for instance you sell on ebay, Amazon, or even if you have any other side business (and you want to keep your expenses separate), you are eligible to apply for a business credit card.  When filling out the business credit card application, choose “Sole Proprietor” as the type of business and fill in your name as your business name. For the Tax I.D. you will write your Social Security Number.
You do not need to have any revenue yet from your business to be eligible for a business credit card.

Additionally, another great benefit of having a business credit card, is that your credit card balance is not reported on your personal credit report. That’s a nice perk, being that a whopping 30% of your credit report is made up of your credit utilization.

Bear in mind that these are Chase cards, so there is the 5/24 restriction on these card. Meaning, if you got 5 new credit cards, from any issuer, within the past 24 months, Chase will not approve you for this card.
Even though business credit cards, including these, do not get added to the count of recently opened credit cards for the 5/24 restriction, Chase will still not approve you for these cards if you have gotten 5 new consumer credit cards within the past 24 months.

If you are unsure as to how many cards, you’ve gotten within the past 24 months, you can check your credit report for free at annualcreditreport.com to check how many accounts are showing as being open in the past 24 months.
This restriction is only for credit cards where you are the Primary card holder. If you are only an authorized user, or you’ve gotten a store credit card, Chase will initially count those in the 5/24, but you can call Chase and have those removed, and get manually approved for this card.

Chase Sapphire Preferred Link

For a limited time, Chase has increased the offer on the Chase Sapphire Preferred card, to 80,000 points and a $50 grocery credit! These 80,000 points are worth a minimum of $800 cash back or $1000 when redeemed towards travel, or groceries with the Pay Yourself Back feature!.

To get the 80,000 welcome points, you’ll need to spend $4,000 within 3 months.

Plus, new Chase Sapphire Preferred card members will also get a one time $50 statement credit on grocery store purchases!

With this card you’ll earn:

• Earn 2X points on travel expenses (Airfare, Hotels, Car rentals, Taxis, Subways, Trains, Tolls, Parking, etc;).
• Earn 2X points on dining worldwide.
• Earn 2X points on up to $1,000 per month in grocery store purchases through 4/30/21
• Earn 5X points on Lyft rides through March 2022.
• Earn 1 point per $1 spent on all other purchases.

With this card you’ll also get:

• Complimentary DashPass subscription from DoorDash for a minimum of 1 year after activating by December 31, 2021 – DashPass gives you free delivery and lower service fees on orders over $12 from eligible restaurants on DoorDash (it usually costs $9.99 a month).
• This card also has no foreign transaction fees.

Besides for redeeming for cash back at 1 cent per point, you can also redeem your points for travel through Chase, at a value of 1.25 cents per point. For instance, you can purchase $1,250 of airfare for just 100,000 points. If  someone in your household has a Sapphire Reserve, then you can transfer the points to their account, and your points will now be worth 1.5 cents towards travel! You can then purchase $1500 of airfare for just 100,000 points!

You can also transfer points at a 1:1 ratio to the following airline and hotel partners: United, Singapore, Air France/KLM Flying Blue, British Airways, Aer Lingus, Iberia, Emirates, JetBlue, Southwest, Virgin Atlantic, Hyatt, IHG and Marriott.

Other benefits of this card include:

• Primary rental car CDW insurance in every country, including Israel and Italy! Most cards only offer secondary rental car CDW insurance, but with the Sapphire, this is primary, meaning this won’t effect your regular car insurance.
• Trip Cancellation/Trip Interruption Insurance
• Lost Luggage Insurance
• Trip Delay Reimbursement
• Baggage Delay Reimbursement
• Travel Accident Insurance
• Purchase protection for items damaged or stolen within 120 days

This card has a $95 annual fee for the primary card and no annual fee for any additional cardholders.

After the year is up, if you do not want to pay the annual free, you can downgrade to either of these two no annual fee cards. This way you’ll pay no annual fee the second year, but you will still have locked in the 60,000 signup points on the Sapphire Preferred!

1. Freedom Unlimited
2. Chase Freedom Flex

Bear in mind, that this is a Chase card, so there is the 5/24 restriction on this card. Meaning, if you got 5 new credit cards, from any issuer, within the past 24 months, Chase will not approve you for this card. If you are unsure as to how many cards, you’ve gotten within the past 24 months, you can check your credit report for free at annualcreditreport.com to check how many accounts are showing as being open in the past 24 months.
This restriction is only for credit cards where you are the Primary card holder. If you are only an authorized user, or you’ve gotten a store credit card, Chase will initially count those in the 5/24, but you can call Chase and have those removed, and get manually approved for this card.

Also note that there is a 48 month restriction on earning any welcome bonus for this card, so if you have received any signup bonus on either the Sapphire Reserve, Sapphire Preferred, or Sapphire card within the past 48 months, you will not get the signup bonus. You also won’t get approved for this card if you currently have an active Sapphire Reserve, Sapphire Preferred, or Sapphire card.

Chase Sapphire Preferred Link

Opinions, reviews, analysis & recommendations are the authors alone and have not been reviewed, endorsed or approved by any of these entities.

Both the new Chase Freedom Flex Card and the Chase Freedom Unlimited are offering a limited time increased sign up offer of 20,000 bonus points! (It is marketed as $200, but in reality you will get 20,000 points, which can be worth much more than $200)

To get the 20,000 bonus points, you only need to spend $500 on your new card within the first 3 months.

Hurry though, as this offer is set to end today, January 13th.

On both of these cards, you will earn a whopping 5% cash back on grocery store purchases on up to $12,000 spent in the first year! This is a potential additional 60,000 points! (Excludes Target or Walmart purchases).

Earn 3% on dining at restaurants and drugstores.

These card also both offer a 0% intro APR for 15 months from account opening on purchases.

Both of these cards also have absolutely no annual fee.

The main difference between the Chase Freedom Unlimited and the Chase Freedom Flex, is that with Chase Freedom Unlimited you will will earn 1.5 points for every dollar spent on regular everyday purchases, whereas on the Freedom Flex you will earn 1 point per dollar.
Though the Freedom Flex offers rotating bonus categories each quarter, where you can earn 5% back on up to $1,500, when you activate the 5% back, whereas the Freedom Unlimited, does not have these 5% rotating quarterly bonus.

If you currently have the old Chase Freedom card, you can still apply for the New Chase Freedom flex card, and you will earn the bonus again, as this is considered a different product.

Want to make your points more valuable? Besides for redeeming your points for cash back at a 1 cent per point value, if you or someone in your household has the Chase Sapphire Preferred card or the Chase Sapphire Reserve card, you can redeem your points at a higher value when redeemed for travel through Chase, or even transfer your points to select airline and hotel programs.

If you or someone in your household have the Sapphire Preferred, you can redeem for travel through Chase, at a value of 1.25 cents per point. For instance, you can purchase $1,250 of airfare for just 100,000 points. If you or someone in your household has a Sapphire Reserve, then you can transfer the points to their account, and your points will now be worth 1.5 cents towards travel! You can then purchase $1500 of airfare for just 100,000 points!

With the Chase Sapphire or Reserve, you can also transfer your points at a 1:1 ratio to the following airline and hotel partners: United, Singapore, Air France/KLM Flying Blue, British Airways, Aer Lingus, Iberia, JetBlue, Southwest, Virgin Atlantic, Hyatt, IHG and Marriott.

Click here to apply for the Freedom Flex or Freedom Unlimited credit cards.

Update: This offer ends tonight, so apply now!

Chase Sapphire Preferred Link

For a limited time, Chase has increased the public offer on the Chase Sapphire Preferred card, to 80,000 points! These 80,000 points are worth a minimum of $800 cash back or $1000 towards travel, or groceries with the Pay Yourself Back feature!

To get the 80,000 welcome points, you’ll need to spend $4,000 within 3 months.

With this card you will earn:

• 2 points for every dollar on dining and travel. Travel includes airfare, hotels, car rentals, cruises, subways, trains, taxis, tolls, parking, Airbnb, Lyft, Uber, etc;.
• 1 point per dollar everywhere else.

This card also has no foreign transaction fees.

Besides for redeeming for cash back at 1 cent per point, you can also redeem for travel through Chase, at a value of 1.25 cents per point. For instance, you can purchase $1,250 of airfare for just 100,000 points. If  someone in your household has a Sapphire Reserve, then you can transfer the points to their account, and your points will now be worth 1.5 cents towards travel! You can then purchase $1500 of airfare for just 100,000 points!

You can also transfer points at a 1:1 ratio to the following airline and hotel partners: United, Singapore, Air France/KLM Flying Blue, British Airways, Aer Lingus, Iberia, JetBlue, Southwest, Virgin Atlantic, Hyatt, IHG and Marriott.

Other benefits of this card include:

• Primary rental car CDW insurance in every country, including Israel and Italy! Most cards only offer secondary rental car CDW insurance, but with the Sapphire, this is primary, meaning this won’t effect your regular car insurance.
• Trip Cancellation/Trip Interruption Insurance
• Lost Luggage Insurance
• Trip Delay Reimbursement
• Baggage Delay Reimbursement
• Travel Accident Insurance
• Purchase protection for items damaged or stolen within 120 days

This card has a $95 annual fee for the primary card and no annual fee for any additional cardholders.

After the year is up, if you do not want to pay the annual free, you can downgrade to either of these two no annual fee cards. This way you’ll pay no annual fee the second year, but you will still have locked in the 80,000 signup points on the Sapphire Preferred!

1. Freedom Unlimited
2. Chase Freedom

Bear in mind, that this is a Chase card, so there is the 5/24 restriction on this card. Meaning, if you got 5 new credit cards, from any issuer, within the past 24 months, Chase will not approve you for this card. If you are unsure as to how many cards, you’ve gotten within the past 24 months, you can check your credit report for free at annualcreditreport.com to check how many accounts are showing as being open in the past 24 months.
This restriction is only for credit cards where you are the Primary card holder. If you are only an authorized user, or you’ve gotten a store credit card, Chase will initially count those in the 5/24, but you can call Chase and have those removed, and get manually approved for this card.

Also note that there is a 48 month restriction on earning any welcome bonus for this card, so if you have received any signup bonus on either the Sapphire Reserve, Sapphire Preferred, or Sapphire card within the past 48 months, you will not get the signup bonus. You also won’t get approved for this card if you currently have an active Sapphire Reserve, Sapphire Preferred, or Sapphire card.

Chase Sapphire Preferred Link

Opinions, reviews, analysis & recommendations are the authors alone and have not been reviewed, endorsed or approved by any of these entities.

Some of you have reached out and were wondering what type of balance transfer or 0% APR credit card offers are out there, due to these trying times.

The truth of the matter is that there is not one card that’s a fit all. As the balance transfer options and APR’s vary depending on the offer, and it all depends on your circumstances.

For instance there are cards that which have a 21-month 0% balance transfer offer, charge a flat 5% on the transfer and have can have as high as a 21% APR on the remaining balance once the 21 months are up, if the transfer balance is not paid in full at that time.  While on the other hand you can get a card with a 15 month 0% balance transfer option with a flat 3% transfer fee and a $250 signup bonus after spending a small amount of money. Other cards will offer you a 12 month 0% APR, 1.5% cash back on all purchases, with the highest APR they’ll charge once the 12 months are up on any remaining balance from the balance transfer being no more than 17.99%. There are many other offers as well. Therefore it all depends on your circumstances and how long you feel you need the 0% APR option for.

Here are some helpful links where you can find a list of balance transfer credit card offers 0% APR offers and Cash back credit card offers.

• 0% APR Credit Cards – Link

• Cash Back Credit Cards – Link

• Balance Transfer Credit Cards – Link

Capital One, has the Capital One Quicksilver Cash Rewards Credit Card, (Read More) now with a 0% APR for 15 months. Plus, you’ll also get a $150 cash bonus after spending just $500 within the first 3 months.

With this card you will be earning a nice 1.5% cash back everywhere, with no limits to the amount you can earn! This card doesn’t have any rotating categories, that you need to sign up for, like the Chase Freedom does. With this card you’ll be earning a simple 1.5% cash back on all purchases, which makes this card very competitive in the cash back credit card sphere!

The 0% APR for 15 months, offered on this card, is great for those needing to make a large purchase, or who have balances on other credit cards, and need a little flexibility with time, to pay off those balances.

This is also a great credit card for those just starting out in the credit card sphere, who don’t yet have the greatest credit score.

Wit this card you will also not be paying any annual fees or foreign transaction fees. This means you will never have to worry about needing to pay an annual fee for simply having the card. You can also use this card wherever you want, including internationally, and never have to worry about paying any of those foreign transaction fees, for overseas purchases.

Redeeming the cash back you’ve earned with this card is easy.  All you need to do, is log into your Capital One account, then click on your rewards balance. Once you click on your rewards balance, you can either choose a statement credit or you can choose to have a check sent to you in the mail. You can also of course call Capital One credit card customer service, to redeem your cash back.

Click here to learn more about this card and how to apply.

Click here to view other Capital One credit cards.

Opinions, reviews, analysis & recommendations are the authors alone and have not been reviewed, endorsed or approved by any of these entities.

Update: Expired

For a limited time only, you can earn 70,000 bonus miles for opening a Barclaycard Arrival® Plus World Elite Mastercard® and spending $5,000 within the first 3 months. This is the highest ever signup bonus offered for this card!

After spending the $5,000 within 3 months, you’ll have a total of 80,000 points!

You can earn this bonus even if you have had this card in the past, though if you currently have this card open, you won’t be able to earn the bonus.

The Barclaycard Arrival Plus World Elite Mastercard is from one of the best cash back credit cards out there for everyday purchases. It offers a nice 2 percent cash-back in the form of points on all purchases!  Plus you’ll get an additional 5% back upon redeeming your points, so effectively you are getting a nice 2.11% back on all purchases. 

Miles don’t expire as long as your account is open, active and in good standing

There is also a 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening.

The $89 annual fee is waived to first year and there is no foreign transaction fees.

The best way to redeem your points for full value, is to redeem them for travel related expenses. Any time you have a “travel” charge of $100 or more to your card, you will have the option of receiving a statement credit towards the travel expense at a value of 1 cent per point (+ you’ll get the 5% back).

For example if you spend $600 dollars on a plane ticket and have 60,000 points from the bonus from opening the card, you’ll be able to get a $600 cash refund. Plus, you’ll also get 3,000 points redeposited to your account worth $30.

You can also redeem your points for statement credits, gift cards and merchandise, though you won’t get the full value of 1 cent per point with these redemption.

Travel expenses include: Airlines, Hotels, Motels, Timeshares, Campgrounds, Car Rental Agencies, Cruise Lines, Travel Agencies, Discount Travel Sites, Trains, Buses, Taxis, Limousines, Ferries and your account annual fee. The travel can be booked via any booking site or straight from the agency etc;. (You can also of course just book a refundable plane ticket to redeem your points, and once the points are redeemed, you can simply cancel the refundable ticket.)

If you applied and are denied for this card, you can call Barclays reconsideration department at 866-408-4064.