This no-annual-fee card pays out a solid cash rewards rate with little hassle. If you want a card that isn’t going to add to the workload of managing your business, the Chase Ink Business Unlimited is it. 0% intro APR on purchases for the first 12 months, after that the variable APR of 18.24% - 24.24%. ![]() Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.The card also offers a necessary perk for global travelers: no foreign transaction fees, although Discover cards aren’t as widely accepted worldwide as cards that run on rival Visa and Mastercard networks. After that initial year, you would net 54,000 miles or $540 annually. Spend $3,000 a month with the Discover it Miles and you’ll earn 108,000 miles-equal to $1,080-after the first year thanks to its matching bonus. But you can redeem points for cash, if you need more flexibility. The rewards cannot, unfortunately, be transferred over to any airline or hotel programs, like with some other travel cards. At the end of your first year holding the card, you’ll receive as a lump sum all the miles you’ve racked up, effectively doubling your rewards for the year.Įach mile is worth 1 cent toward travel purchases. The first-year bonus is thanks to Discover’s credit card points matching program. In subsequent years, the payout goes down to 1.5 miles. While it lacks some of the flash of pay-to-use options, it does offer a very generous rate of 3-points per dollar across all your spending within the first year. But there is a no-cost card that can compete: the Discover it Miles. Many of the top travel rewards cards come with an annual fee (see our Best Travel Credit Cards picks for proof). Sign-up bonus: Unlimited miles match after first 12 months.(See all our Best Rewards Credit Card picks.) If you spend even more on groceries or in the card’s other bonus categories you would do even better. This means that a family who spends $3,000 a month on their SavorOne card, with half going toward food purchases, would earn $920 cash back in the first year, with the bonus, and $720 in subsequent years-equal to the rewards you’d see with our best no-fee cash-back card winner. All you need to do is charge at least $500 to the card within the first three months. As a thank you for signing up, Capital One also offers an easy-to-achieve welcome bonus of $200. For instance, the card pays out 10% on all Uber and UberEats app purchases, while any entertainment spending you do through the Capital One Entertainment ticketing platform nets you 8% cash back. You can bump up your rewards further by shopping through specific portals. Anything else you charge to the card earns you a 1% return. In addition to food, the card offers the same 3% back on entertainment expenses, such as movie theater, concert or zoo tickets as well as subscriptions to popular streaming services such as Netflix and Hulu. While the bonus rewards rate excludes purchases at superstores including Walmart or Target, it is the highest uncapped grocery-store rate we could find. The Capital One SavorOne pays out 3% on all dining and grocery purchases. If this is true for you, it may be worth adding a card that specifically rewards all those trips to the supermarket. Groceries dominate the budget in many American homes-especially those with rapacious teenagers. Sign-up bonus: $200 after spending $500 in three months.Bonus rewards: 3% on groceries (excluding superstores like Walmart ® and Target ® ), dining, entertainment, U.S.(See all our Best Cash Back Credit Card winners.) That’s a great return for doing nothing more than purchasing as usual and paying off the balance in full each month. And in the first year, you’ll earn $920 thanks to the introductory bonus. If you spend $3,000 a month-as the typical Wall Street Journal reader does-you’ll take home $720 a year just for swiping your card. That is less than many other cash back cards currently require to claim their sign-up bonuses and a lower hurdle than this card had as recently as April. New users can also take advantage of a $200 welcome bonus, if they spend $500 within the first three months. That’s the best general-rewards rate we found among both annual fee and no annual fee cards-unless you are willing to put up with restrictions on how much and where you can earn or to jump through other hoops to get your cash back. Wells Fargo Active Cash offers a flat rate of 2% back across your purchases. If you want a straightforward card that pays a top cash-back rate, this may be the card for you. Select “Apply Now” to learn more about the product features, terms and conditions.Welcome offer: Earn $200 cash rewards bonus after you spend $500 in first three months. ![]()
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