These credit cards are co-branded credit cards issued by cruise line operators and credit card companies. They offer great rewards to card members for booking their cruises using these credit cards. Though, Travel credit cards offer better rewards in comparison to cruise line credit cards.

These credit cards offer in-house points as rewards. These points can be redeemed for onboard amenities, buying souvenirs, room or cabin upgrades, or booking on-shore excursions. 

Advantages of the Cruise Line credit cards

1. Cruise line credit cards are great if you are looking to join a cruise for your next holiday. These credit cards offer great deals as well as joining bonuses which can be used to get some off from the next booking.
2. These credit cards offer perks on travel and offer from the credit card issuer.

Disadvantages of cruise line credit cards

1. Firstly, cruise line co-branded credit cards do not offer rewards in the same tune as normal rewards cards. These credit cards usually offer rewards worth 1% of the spent on the credit card. On the other hand, Rewards credit cards offer 2 – 3% rewards in form of cashback or a statement credit.
2. Rewards offered by these credit cards are in points. Furthermore, these points can be redeemed within the network of the same cruise company. 
3. Cruise line credit cards have a higher APR. Even the promotional APR is tied to spending money with the cruise company.
4. Finally, these credit cards may not have good credit lines and the overall experience could be frustrating. They may put hard credit inquiries on a member’s credit score.

#1 Card Name: The Carnival World Mastercard

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: This credit card offers a 0% promotional APR for 6 months on Carnival cruise bookings. After that, a variable APR will apply, 19.24%- 29.24%.

Rewards: Card members receive 20,000 FunPoints after their first purchase or balance transfer. Although, these points are redeemable for a $200 statement credit towards the next cruise.

Our Rating: 4 / 5

Pros & Cons of this card: This credit card offers rewards in the form of Funpoints. Though, these are redeemable on Carnival Cruise.

Card members earn 2X FunPoints for every dollar spent on any purchases with Carnival Cruise Lines. Further, they also earn 2x points with the brands of the World’s Leading Cruise Lines. Furthermore, they receive a 10% statement credit for booking a Carvinavl Shore excursion along with a Carnival cruise on carnival.com. They can also earn 1 Funpoints on every dollar they spend otherwise.

Finally, this card offers the card members to redeem rewards starting from 5,000 Funpoints for a $50 Carnival onboard experience.

#2 Card Name: Norwegian Cruise Line World Mastercard

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: This card offers a 0% promotional APR for 6 months on the Norweigan cruise bookings. After that, a variable APR of 18.24%- 28.24% will apply.

Rewards: Card members receive 20,000 bonus points which can be redeemed for a $200 onboard credit on a Norwegian cruise. In order to qualify for this offer, they need to make a purchase of $1,000 in the first 90 days of a new card opening.

Our Rating: 4 / 5

Pros & Cons of this card: Card members earn rewards only in the form of WorldPoints. They earn 3 WorldPoints for every $1 spent on Norwegian purchases. Further, earn 2 WorldPoints per $1 spent on eligible air and hotel purchases. Finally, they earn 1 WorldPoints per $1 spent on all other purchases.

WorldPoints can be redeemed starting at 2,500 points. They can redeem points for stateroom upgrades, travel discounts, and exclusive redemption opportunities for last-minute cruises. Alternatively, they can redeem the rewards for onboard credits, car rentals, hotel stays, cash, and gift cards. 

Furthermore, Bank of America Preferred Rewards members also earns 25% – 75% more points on every purchase.

#3 Card Name: Princess Cruises Rewards Visa Signature Card

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: 0% introductory APR for the 15 months following each balance transfer that posts to the account within 45 days of a new credit card opening. After the Intro period, the applicable variable APR is 19.24%- 29.24%.

Rewards: Card members receive 10,000 bonus points when they open a new credit card. These points can be redeemed for a $100 statement credit for the next cruise purchase. In order to, qualify for this offer, they need to make a purchase of $1,000 in the first 90 days.

Our Rating: 4 / 5

Pros & Cons of this card: Card members earn 2x points on every dollar spent on the princess cruises. For the rest of the purchases, they earn 1 point on every $1 spent. They can redeem points for onboard amenities and credits, along with gift cards and merchandise.

#4 Card Name: Celebrity Cruises Visa Signature® Credit Card

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: 18.24%- 28.24% variable APR

Rewards: Card members receive 10,000 MyCruise points which can be redeemed for a $100 onboard cruise. To qualify for this offer, they need to make a purchase of $1,000 in the first 90 days.

Our Rating: 3 / 5

Pros & Cons of this card: Credit card members earn 2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises and their sister brand, Royal Caribbean. They also earn 1 MyCruise point for every $1 spent on all other purchases.

Card members can redeem their points toward cruise upgrades & discounts. Further, they can also redeem them for FREE cruises, and onboard credits to use any way they’d like. For example, specialty restaurants, shore excursions, shops, or at the spa.

#5 Card Name: Disney Premier Visa Card

Fees: $49 annual fee

APR: 17.74%‐26.74% variable APR

Rewards: Card members earn a $300 statement credit. In order to, qualify for this offer, they need to spend $1,000 on purchases in the first 3 months from account opening.

Our Rating: 3 / 5

Pros and Cons of this card: Card members can earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com, or ESPNPlus.com. This card offers a 0% promotional APR for 6 months on select Disney vacation packages.

Card members get 2% rewards on gas stations, grocery, restaurants, and most other Disney locations. They can redeem Rewards Dollars toward Disney vacations. 10% discounts on select merchandise and at restaurants at Disneyland and Disney world resorts.

Credit Card members also get offers and deals at Disney cruises. They get 10% Savings on Non-Discounted Disney Cruise Line Digital Photo Packages. Also, they get 10% off on buying Disney merchandise from the cruise. Card members can redeem all sorts of experiences and enhancements on the Disney Cruise Line vacation. For example, souvenirs and excursions to room upgrades and adult-exclusive restaurants.

Disney also offers a Disney Visa Card which is available for a $0 annual fee. But this particular card has lower rewards. 

#6 Card Name: Royal Caribbean Visa signature

Fees: $49 annual fee

APR: 17.74%‐26.74% variable APR

Rewards: Card members earn a 25,000 bonus points statement credit. To qualify for this offer, they need to spend $1,000 on purchases in the first 3 months from account opening.

Our Rating: 3 / 5

Pros and Cons of this card: Credit card members earn 2x points for every $1 spent on qualifying purchases with Royal Caribbean Cruises. They also earn 1x point for every $1 spent on all other purchases. 

Card members earn points towards stateroom upgrades, onboard credit, companion fares, and more. Visa Signature Credit card members have access to the 24/7 Visa Signature Concierge. They also have access to the Visa Signature Luxury Hotel Collection & benefits. They also receive special rates and VIP status at select luxury hotels worldwide.

Crypto credit cards help a user buy cryptocurrency easily. Card members earn the rewards in form of cashback on their purchases. Cashback is usually used to buy cryptocurrency in a trading account.  These credit cards offer rewards in form of cryptocurrency of the choice of the user.

Card members can also buy more cryptocurrency using these credit cards. These credit cards should be used with caution by card members. The world of cryptocurrency is quite volatile, the prices move wildly. For example, in 2021 and 2022 there have been lots of frauds, and windups of exchanges, coins, and cryptocurrencies. 

Advantages of crypto credit cards

1. Firstly, If you know how to play the crypto market, you can buy and sell the same using your credit card. If a user times their trades well, they can use the free leverage from the credit card.
2. These credit cards allow users to redeem their rewards in multiple cryptocurrencies of their choice. Card members can keep these cryptocurrencies in their private wallets or use them to trade on an associated crypto exchange.
3. Finally, rewards Crypto credit cards offer to sell and transact cryptocurrencies without triggering a taxable event. Taxes are applicable on changing the crypto assets to fiat currencies. Using these credit cards can be tax efficient in some cases if you trade in crypto regularly. 

Disadvantages of buying crypto using a credit card

4. Crypto is volatile, so it can rise and fall in value very quickly. Be aware of the fact, and trade carefully. As prices run in a wild swing, taking leverage using a credit card is dangerous. A user may get stuck in a bad trade and owe a credit card debt.
5. These credit cards mainly provide rewards in the form of crypto. Also, the rewards are usually flat. Rewards credit cards or retailer credit cards may offer better offers.

#1 Card Name: Venmo Visa Card 

Fees: This credit card has $0 in annual fees.

APR: 18.99 – 27.99% variable APR

Rewards: This credit card doesn’t provide any upfront rewards to card members.

Our Ratings: 2 / 5

Pros and Cons: Card members earn 3% cash back on all groceries using this credit card. They also earn 2% cash back on payments of bills & utilities using a Venmo Visa Credit card. For the rest of the purchases, this card offers a 1% cashback. 

Venmo credit card currently supports the four most popular cryptocurrencies. For example, Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. 

Card members can purchase crypto from the cashback amount every month. They have to just toggle on the Purchase crypto feature and choose their favorite of four types of crypto. When cashback is transferred to the Venmo account at the end of every month, they will use it to purchase crypto without any crypto transaction fee automatically.

Venmo also provides a very neat feature of a unique QR code on the credit card. This QR card can be used by other Venmo users to pay you using the Venmo app. 

#2 Card Name: The BlockFi Rewards Visa Signature Card

Fees: $0 in annual charges

APR: 15.74% to 25.74%

Rewards: An unlimited 1.5% crypto back on every purchase.

Our Rating: 2 / 5

Pros and Cons: BlockFi credit cards offer rewards, but users can redeem these rewards in crypto assets. The cryptocurrency is transferred to the user’s BlockFi account where it can be held, traded, sold, or moved to a wallet address of their choice. They offer a user to select the rewards to be in Bitcoin, Ethereum, Litecoin, Dogecoin, or any of the 15+ cryptocurrencies available on BlockFi in the US.

A word of caution though, BlockFi declared Chapter 11 bankruptcy recently in November 2022. So be aware before applying for this credit card.

#3 Card Name: Nexo Credit Card

Fees: This credit card is available for a $0 annual charge.

APR: Nexo offers one of the best APRs in the market. They offer an introductory 0% APR and it never exceeds 13.9% APR.

Rewards: Card members earn up to 2% in NEXO or up to 0.5% in BTC.

Our Rating: 3 / 5

Pros and Cons: Nexo offers easy integration with Apple Pay and Google Pay, helping users transfer funds easier. It helps the crypto users to HODL cryptocurrencies and also trades and earns additional cryptocurrencies in rewards. The Nexo Card allows you to spend without selling your crypto, hence no taxable event will occur.

Another great feature of this credit card is no minimum monthly payment. But the card members need to be careful with this feature, as it may spiral out of control. This card also does not levy any fee on monthly payments or activation fees. 

Nexo credit card is offered by Mastercard and is accepted at all places where Mastercard works. Card members can also take advantage of no ATM fee to withdraw funds in case of emergency, Nexo card is integrated with their app and users can control their activities through the app. They can use Apple Pay or Google Pay for paying merchants using Nexo Credit Card. 

#4 Card Name: Gemini Mastercard

Fees: This credit card is available for a $0 annual fee, foreign transaction fees, and no exchange fees for acquiring the crypto rewards.

APR:  17.24% to 29.24%, 

Rewards: Gemini Mastercard is a typical 3/2/1 credit card. For instance, it offers 3% in rewards for groceries purchase, 2% in rewards for dining out, and 1% in rewards on the rest of the purchases. 

Our Rating: 2 / 5

Pros and Cons: This credit card comes in either black, silver, or rose gold stainless-steel card, made from 75% recycled material. 

Gemini Mastercard offers rewards in form of crypto. Credit card members can earn rewards in Bitcoin, Ethereum, or 60+ other cryptos currently available. It’s the only credit card that deposits the crypto rewards immediately in the account, just after the card member makes a purchase. That means the crypto a user earns lands in the Gemini account the instant they swipe the credit card, not a month later.

This credit card offers Mastercard Zero Liability Protection on Unauthorized Transactions. Further, this card also offers Mastercard Theft ID protection. This helps in protecting the ID of the card members in case of theft of the credit card.

#5 Card Name: Upgrade Bitcoin Rewards Visa Signature Credit Card

Fees: This credit card is available for a small fee of $2.99 per month. The credit card is available as a plastic card as well as a virtual credit card.

APR: 14.99% – 29.99% in variable APR

Rewards: Upgrade Bitcoin rewards visa credit card offers unlimited 1.5% of cashback rewards. Card members can earn 1.5% rewards in form of Bitcoin when they pay back the spend.

Pros and Cons:

Upgrade Card balances have a fixed rate and term so the user knows when they can pay off the balance and can save on interest. This credit card is available both as a virtual credit card and also as a physical card.

Card members can activate Upgrade Shopping offers from participating merchants via their account dashboard. Customers can then shop online through Dosh or at stores, using their Upgrade Card. Further, they can get up to 10% cash back as a statement credit on qualifying purchases.

Affinity credit cards are issued jointly by a Bank or credit card company and a charity or non-profit. These credit cards usually support the associated charity or non-profit. The name of the supported charity is usually printed on the credit card.

Affinity credit cards support selected charities by giving a one-time bonus on opening a new account. Alternatively, they may issue a percentage of the spending to the supported charity. The type of non-profit could be an organization working for the environment, an alumni organization, an education institution, or a charity for a cause.

Advantages of affinity credit cards

Affinity or charity credit cards are advantageous for customers who want to make a small contribution to charities of their choice.

1. These charities or non-profit co-branded credit cards, help support a particular charity or NGO. They usually get a one-time bonus once the credit card is issued. These credit cards also get a percentage of the spending made to the non-profit. 
2. The partnering charity gets money from the credit card, but they also get visibility and exposure. If the charity is trying to work for a cause like an environmental issue or for the upliftment of some specific people, the association with a financial institution may help in spreading the word. 
3. The charitable donations to the charity or the non-profits are not taken from the merchant payments. In fact, these payments are made by the financial institutions to the charity directly.
4. Affinity credit cards also offer regular rewards, miles, or points to credit card members. 

Disadvantages of affinity credit cards

1. Affinity credit cards do not offer similar rewards like rewards or travel credit cards. To look for the best rewards credit card look for our post here. 
2. These credit cards make very small donations to charity. Unless a lot of people use these credit cards there won’t be a substantial sum for charity.
3. Card members do not get any tax deductions on the reward points or miles donation.
4. Affinity credit cards though may appear good on file, do not provide much benefit to the charity. Their main advantage is that the people give away a very small percentage passively. A better rewards ratio is available with normal rewards cards. These cards also provide options to give the money to the charity directly. 

#1 Card Name: Susan G. Komen Customized Cash Rewards Visa credit card from Bank of America

Fees: This card is available for a charge of $0 in annual fees.

APR: This card also offers 0% introductory APR for 18 months. After, this introductory period the applicable variable APR is 18.24 to 28.24%.

Charity or NGO: Susan G. Komen is a non-profit that works to enhance Breast Cancer Research

Our Ratings: 3 / 5

Pros and Cons of this card: 

This is a great affinity credit card that offers a lot of rewards to credit card members as well. This card contributes $3 to Susan G. Koman for each new Customized Cash Credit Card which is open for 90 days. They also contribute $3 for each good-standing card renewal. Finally, they contribute 0.08% of the total card spending to charity. Bank of America is committed to contributing a minimum of $1.5 million to Susan G. Koman.

This card has an introductory offer of an online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. 

Further, this card offers 3% cash back in a selected category of choice. For example, card members can choose anyone category from gas, online shopping, drug stores, travel, home improvement, and furnishings. Card members also earn 2% cash back at grocery stores and wholesale clubs. A quarterly maximum of spend $2500 applies to the 3% and 2% categories. Card members have the option to choose the selected category every month. Finally, they earn 1% cash back on all other purchases on meeting the spending criteria. Existing Bank of America customers can earn higher cash back if they are Preferred Rewards Members.

Card members can redeem their rewards for a statement credit. Furthermore, they can also select to transfer their rewards starting at a minimum of $25 to an associated BoA or a Merril account.

#2 GREY2K USA VISA Credit Card

Fees: This card is available for a charge of $0 in annual fees.

APR: This card also offers 0% introductory APR for 12 months. After, this introductory period the applicable variable APR is 18.24 to 29.24%.

Charity or NGO: GREY2K USA is a Charity that works on protection of the greyhound dogs from dog racing.

Our Ratings: 4 / 5

Pros and Cons of this card: GREY2K USA Worldwide receives $50 for each activated card. The card should be active for a minimum of 90 days. Additionally, a percentage of every retail purchase made using the card will be donated to GREY2K USA.

Card members also earn bonus rewards points on using this credit card in-store. Customers can access an up-to-date and complete list of the participating retailers on the Rewards Website. They can earn Bonus Rewards points for online purchases. To earn these points they must access participating retailers through the Bonus Rewards Web site. Finally, all the purchases should be made using the link provided.

The Rewards points can be redeemed for name-brand merchandise, gift cards, travel, event tickets, and activities. The main drawback of this credit card is the cumbersome rewards through the Rewards website.

#3 Card Name: Aspiration Zero Mastercard

Fees: This card is available for a charge of $60 in annual fees.

APR: 15.9  25.7% of variable APR

Charity or Non-profit: Aspiration Zero is a green credit card that aims to make fast shopping carbon-neutral by planting more trees.

Our Ratings: 3 / 5

Pros and Cons of this card: Customers can spend with their Zero credit card to neutralize their carbon footprint. Though, they can earn up to 1% cashback. Card members can use their rewards to plant more trees or receive a statement credit.

Every time a card member makes a purchase Zero plants a tree on their behalf. Card members can also plant another tree by rounding up their purchases to the next dollar. They can also track their carbon footprint by tracking in an app. As per Zero’s estimate, an average customer in the USA can offset their carbon footprint by using their Zero Credit Card once a day.

Card members earn rewards worth 1% of the total spending in the month once they reach carbon-neutral in a month.

#4 Card Name: The Nature Conservancy Customized Cash Rewards 

Fees: This card is available for a charge of $60 in annual fees.

APR: This credit card offers a 0% Introductory APR. This offer is for the first 18 months for all balance transfers in the first 60 days. After the Introductory offers the applicable variable APR is 18.24  28.24%.

Charity or Non-profit: The Natural Conservancy 

Our Ratings: 2 / 5

Pros and Cons of this card:

This is a great affinity credit card that offers a lot of rewards to credit card members. This card contributes to The Natural Conservancy for each new card which remains open for 90 days. Finally, they contribute 0.05% of the total card spending to the Natural Conservancy. 

This card has an introductory offer of an online $200 cash rewards bonus. They have to make at least $1,000 in purchases in the first 90 days of account opening. 

Further, this card offers 3% cash back in a selected category of choice. For example, card members can choose anyone category from gas, online shopping, drug stores, travel, home improvement, and furnishings. Card members also earn 2% cash back at grocery stores and wholesale clubs. A quarterly maximum of spend $2500 applies to the 3% and 2% categories. Card members have the option to choose the selected category every month. Finally, they earn 1% cash back on all other purchases after meeting the spending criteria. Existing Bank of America customers can earn higher cash back if they are Preferred Rewards Members.

Card members can redeem their rewards for a statement credit. Furthermore, they can also select to transfer their rewards starting at a minimum of $25 to an associated BoA or a Merril account.

#5 Card Name: Harvard Alumni Mastercard 

Fees: This card is available for a charge of $0 in annual fees and $0 for foreign transaction fees. But there is a 2% balance transfer fee on this card.

APR: 0% Introductory APR for the first 12 months for all new balance transfers. After the Introductory offers the applicable variable APR is 13.49  to 18.00%.

Charity or Non-profit: Harvard Alumni Association

Our Ratings: 3 / 5

Pros and Cons of this card: This is an exclusive credit card for Harvard Alumni which offers great rewards to the card members. Alumni earn points for every dollar they spend. They can earn 2x for gas, grocery,  and dining purchases. This credit card also offers 10,000 bonus points when the card member spends $500 in the first 90 days of card membership.

There are also Harvard exclusive benefits, for example, card members earn double points for gifts to Harvard University. Card members can also support Harvard University’s financial aid programs. They also get Automatic, no-cost membership to Harvard University Employees Credit Union (HUECU). Harvard Mastercard also offers free travel insurance, ZERO liability on theft, FICO score updates, and ID Theft Protection.

Card members can earn a 1% cash back for all their spending on this credit card. The points can also be redeemed for travel by airlines, taxis, or other transit modes. Card members get 25% extra on redeeming the points for travel. 

Home furnishing brands and companies also release co-branded credit cards. This credit card offers rewards and cash back on purchases made on these brands. As home improvement projects are expensive, these credit cards offer special financing options to card members.

As these credit cards are released by specific retailers, they offer better rewards. Better rewards are usually available on purchasing home brands of retailers. They do not offer great rewards on travel, dining, or grocery purchases. To know the best credit cards for travel and rewards credit cards do read our other posts.

Advantages of the home furnishing credit cards

1. These credit cards usually offer free shipping on orders. There is no limit on the minimum purchase to qualify for free shipping.
2. Credit card members get extra discounts on shopping home brands using these credit cards. For example, ‘Bed, bath, and beyond’ offers 20% off on shopping through their credit card and selecting one of their family brands.
3. Finally, the co-branded credit cards also offer free financing usually from 6 months to 24 months (i.e. 2 years) for purchases through these credit cards. To qualify for these offers, the members need to meet the spending criteria and also need to pay in full within the defined time.

Disadvantages of using home furnishing credit cards

1. Firstly, these credit cards usually carry a high APR as compared to regular rewards cards. These credit cards are issued in partnership with Visa or Master along with an issuing bank. These issuers are usually not the top banks like Chase, Capital One, or American Express. They offer very competitive rates for the APR. 
2. They usually offer maximum rewards in the co-branded stores they are tied with. For, the rest of the purchases they do not offer the best rewards. Rewards or travel credit cards offer much better rewards. For our detailed guide on rewards credit cards and travel credit cards please refer to the links.
3. Finally, these credit cards may put a hard inquiry on a card member’s credit score. So be careful when you are applying for any of these credit cards. These credit cards may also report any missing payment activity promptly to the credit bureau without giving any chance to the member. 

#1 Card Name: Wayfair Credit Card

Fees: This card is available for a charge of $0 in annual fees.

APR: 31.24% variable APR

Rewards: Card members get $40 on the first qualifying purchase of $250+. 

Our Ratings: 3 / 5

Pros and Cons of this card:

Card members get 5% cash back on purchases at Wayfair. Customers also get ZERO financing if they pay up all dues in 24 months. To qualify, they need to make a purchase of a minimum of $2,999. Do check the Wayfair site for financing options. This is a nitty easy feature but it has its drawbacks. If the card member delays the payment, the interest is charged from day one.

Further, the card members also get 3% in rewards for grocery purchases, 2% in rewards shopping online, and 1% for the rest of the purchases. One of the major drawbacks of the rewards dollar collecting on Wayfair cards is that they can be redeemed only on Wayfair.com. Card members will lose access to their reward dollars if they close their credit card accounts. Ensure to redeem all the reward dollars before closing your credit card account with Wayfair.

Wayfair offers two credit cards, one is the Wayfair credit card and another is Mastercard. The Mastercard works like a normal credit card and works everywhere. On the other hand, the Wayfair credit card can be used only in Wayfair stores or their websites.

#2 Card Name: Bed Bath and Beyond Welcome Credit Card

Fees: This card is available for no charges in annual fees

APR: 18.49 – 29.99% variable APR

Rewards: This card offers 1 year of free membership of Welcome Rewards+. The welcome rewards+ membership auto-renews every year for $29. Further, card members can receive $25 or $75 in welcome bonus if they spent $1,000 or $6,000 in the first six months of credit card issuance.

Our Ratings: 3 / 5

Pros and Cons of this card: This card offers the card members 20% off when they shop for “Bed, bath and beyond” brands. They also receive 100 points for every $1 spent on the family of brands. This reward reduces to only 60 points for every $1 spent if the customer doesn’t have the Welcome Rewards+ membership. This card also offers free standard shipping on all orders and 4 times same-day shipping every year for credit card members. Further, the points accrued in the account expire if no shopping is made in 12 months.

Card members also get free financing for 6 months when they spend $250 – $499.99 at Bed, Bath and beyond using this credit card. Finally, this free financing period increases to 12 months on purchases of more than $500+.

#3 Card Name: IKEA Family and Projekt Credit Card

Fees: IKEA offers two credit cards, one is the Ikea Visa credit card and the other is the Ikea Projekt credit card. Further, these cards are available for $0 charges in annual fees.

APR: 21.99% variable APR

Rewards: Card members get $25 off their first IKEA purchase of $25 or more. Though, they have to open and use the IKEA Visa card on the same day. Furthermore, they also get 5% in rewards on purchases in Ikea stores and assembling services.

Our Ratings: 3 / 5

Pros and Cons of this card: IKEA Projekt credit card offers 6, 12, or 24 months of financing. To qualify for these offers the card members have to do $500, $1,000, or $2,500 of purchases on the Projekt credit card. The IKEA Projekt credit card is best suited for purchases in IKEA only.

Further, card members earn 3% back in rewards on dining, grocery stores, and utility purchases on the IKEA Visa Credit Card. They also earn 1% in cash back rewards for all the other purchases on this card. Finally, card members also get enrolled in the Ikea Family Loyalty Program.

#4 Card Name: Pottery Barn Visa Signature

Fees: Pottery Barn Visa Signature card is available for a $0 annual charge from Capital One Bank.

APR:  Standard variable purchase APR of 27.99-29.99%

Rewards: Card members earn 10% back in rewards, for the first 30 days. But 5% thereafter at Pottery Barn, Williams Sonoma, West Elm & more. Alternatively, they can apply for 0% Promo APR financing on purchases above $750.

Our Ratings: 3 / 5

Pros and Cons of this card: They earn 5% rewards on Pottery Barn, Williams Sonoma, and West Elm & More. They can further earn 4% rewards on groceries and dining (except Fast Food). Finally, they can earn 1% in rewards for the rest of the purchases where Visa is accepted.

Card members can redeem rewards at any of the seven brands across the Pottery Barn portfolio. Pottery Barn Visa credit card members get free standard shipping at Williams Sonoma. They also receive a $25 gift card on their birthday for active credit card members. 

#5 Card Name: Home Depot Consumer Credit Card

Home Depot is one of the top Home furnishing brands, in the USA. They have multiple stores and an online website for shoppers. Home Depot has tied up with CitiBank and offers multiple credit cards. They have a Consumer Credit Card, a Project credit card, a Commercial or a Business Credit Card, and a Revolving Commercial Card. 

Fees: This card has $0 in annual fees. But the card members have to pay a cash advance fee of 4% and a foreign transaction fee of 3%.

APR: 17.99% – 26.99% variable APR

Rewards: Card members earn a one-time reward of up to $100 cash reward on making purchases above $1,000. 

Our Rating: 4 / 5

Pros and Cons of this Card:

The Consumer credit card from Home Depot is a good card if you are looking for renovating your home. This card offers 6 months of free financing (0% APR) on all purchases of more than $299 if paid in full in time. Further, on special promotions, this financing will increase to 2 years. Card members get one year to return any product they bought from Home Depot using their Home Depot Consumer Credit Card.

Home Depot also offers Business Credit Cards for Business users. The same is good for small business owners and contractors. They also offer rewards such as 2% cashback if the balance is fully paid. Alternatively, card members can get 60 days to pay dues. Commercial Credit offers the ability to add employees to the Business accounts. 

#6 Card Name: Crate & Barrel Mastercard

Fees: Crate & Barrel offer two credit cards, one of them is the Crate & Barrel Credit Card and the other is the Crate & Barrel Mastercard. Both these credit cards are available for $0 in the annual fee. 

APR:  Standard variable purchase APR of 30.74%

Rewards: Card members earn reward dollars or receive special financing when they shop at Crate & Barrel or their other brands. They can earn 10% back in Reward Dollars on purchases or receive 6 months of special financing on purchases of $749 or more. This free financing can increase to 24 months on purchases above $2,999.

Our Ratings: 2 / 5

Pros and Cons of this card:

Additionally, with the Crate & Barrel Mastercard card members can earn 2% back in Reward Dollars on grocery store purchases. They can also earn 1% back in Reward Dollars on every other purchase. The Crate & Barrel Mastercard also offers global service, airport concierge, and ID theft protection.

Credit cards offer great deals and rewards on online shopping. As more and more, people are shopping online, these credit cards offer great rewards. With the ease of mobile apps and websites, more customers are purchasing things online. It is easier to browse millions of items online and get them delivered in the comfort of your own home.

These credit cards offer specific and more rewards on buying either online at the time of checkout or through a statement credit. Credit cards also offer rewards on retail purchases. For details on the best credit cards to be used at retailers please check our post on best retailer credit cards.

Advantages of online shopping using credit cards

1. Firstly, for customers who order from a particular online retailer (be it Amazon, Instacart, or others), these cards offer great rewards. For example, higher cashback rewards or points on placing orders using these credit cards.
2. These cards also offer additional discounts on selected inventory or a particular website or eCommerce store.
3. These credit cards also offer other rewards which are available from the card issuing company or the bank. 

#1 Card Name: Instacard Mastercard

Fees: This card is available for a charge of $0 in annual fees but no foreign transaction fees.

APR: 19.24% – 27.99% variable APR

Rewards: Card members get a free year of Instacart and a $100 Instacart credit upon the approval of the credit card. They can earn a 5% cash back on purchases through Instacart.com or on the Instacart app from the vendors.

Our Ratings: 3 / 5

Pros and Cons of this card: Instacard charges an Instacard+ membership of $99/year. Instacard+ membership is required to keep this card active. As an Instacart+ member, card members are eligible for free shipping on all orders above $35. Instacart+ membership can be shared with one more user.

 They also, get 5% cash back on travel purchased through the Chase Travel Center. They also receive 2% cash back at restaurants, gas stations, and on select streaming services. Finally, the card members receive a 1% cash back on the rest of their purchases.

Card members can choose to receive the cashback as a direct deposit to an account or receive it as a statement credit. 

#2 Card Name: Amazon Prime Rewards Visa Card

Fees: This card has a $0 in annual charges

APR: 18.49 – 26.49% in variable APR.

Rewards: Card members receive a $100 deposit directly to their Amazon.com account on opening a new card account.

Our Ratings: 3 / 5

Pros and Cons of this card: The major pre-requisite for this credit card is to have an active Amazon Prime membership. Card members earn 5% of purchases as rewards for shopping on Amazon.com or Whole Foods. They also earn 2% in cashback shopping at gas stations and restaurants. Finally, they receive 1% cashback for all other spendings.

Chase and Amazon also offer another credit card Amazon Rewards Visa Card. The card doesn’t require a Prime membership but it also offers lower rewards.

Card members can redeem the cashback on Amazon.com or they can select to redeem it for gift cards, travel, or dining deals on Chase Rewards.

This card also offers extended warranty protection in the US on the manufacturer’s warranty by an additional year, on eligible warranties of three years or less. They also offer theft protection of up to $500 per claim for 120 days of any eligible item bought using this credit card. This card further, offer baggage delay insurance, zero liability protection, travel accident insurance, and lost luggage reimbursement. The above offers are only available in case the purchase is on this credit card.

Finally, this card offers the card members complimentary Visa Signature Concierge Service 24 hours a day. 

#3 Card Name: eBay Mastercard

Fees: This card has a $0 in annual charges

APR: 18.49 – 26.49% in variable APR.

Rewards: Card members opening a new eBay Mastercard earn a $50 bonus statement credit. Though, they have to spend $150 or more on eBay within 30 days of account opening.

Our Ratings: 3 / 5

Pros and Cons of this card: Card members earn 5X points for the rest of the year after they spend $1,000 on eBay in a calendar year. Until then, earn 3X points per $1 spent up to $1,000 on eBay in a calendar year. Card members also earn 2X points per $1 spent on gas, restaurant, and groceries. For the rest of the purchases, they earn 1X points per $1 spent on all other Mastercard purchases. 

Customers can redeem their points at eBay checkouts. 1,500 points amount to $10 in checkout value for the customers.

#4 Card Name: CapitalOne Walmart Card

Fees: This card has $0 in annual charges.

APR: 17.99 – 28.99% in variable APR.

Rewards: Card members earn 5% cash back on Walmart.com. This cashback is available for pickups and delivery. Furthermore, as an introductory offer, customers earn 5% cash back in Walmart stores. This offer is applicable only for the first 12 months after card approval when they use their Capital One Walmart Rewards Card with Walmart Pay.

Our Ratings: 3 / 5

Pros and Cons of this card: Card members earn 2% cash back In Walmart stores, at restaurants, and on travel. For the rest of the purchase, the customers can earn 1% cash back wherever Mastercard is accepted. This credit card is covered by $0 Fraud Liability if it is ever lost or stolen. That means card members will not be responsible for fraudulent purchases.

Card members can redeem the cash back for statement credits or direct deposit. They can also cover any recent purchases using the cashback. Card members can also redeem the cashback for gift cards from Walmart or other retailers. They can also redeem the points for any travel or trip purchase using the Capital One Walmart Rewards card.

#5 Card Name: America Express Blue Cash Everyday Card

Fees: This card has $0 in annual charges. 

APR: American Express Blue Cash card offers a 0% intro APR on purchases and balance transfers. This offer is applicable for the first 15 months from the date of account opening. After that, a variable APR, 18.24% to 29.24%.

Rewards: Card members earn 3% cash back on U.S. online retail purchases, up to $6,000 per year on eligible purchases. They also earn $100 back as a statement credit after they spend $2,000 in purchases on the new Card in the first 6 months of Card Membership.

Our Ratings: 5 / 5

Pros and Cons of this card: Card members earn 3% cash back on everyday categories like U.S. Supermarkets and Gas Stations. Once the limit of $6,000 per year is hit, the cashback reduces to 1%. Card members can redeem the cashback anytime they want with no minimum limit. 

Card members also earn 20% back as a statement credit on purchases. They have to use their new card to check out with PayPal at merchants in the first 6 months of Card Membership. Though the total limit for this offer is set up to $150 back.

#6 Card Name: U.S. Bank Shopper Cash Rewards Visa Signature Card

Fees: This card has an introductory offer of $0 in the first year and after that an annual fee of $95.

APR: 18.74% to 28.74%.

Rewards: Card members can earn a $250 bonus. For this offer to qualify they need to spend $2,000 in eligible purchases within the first 120 days of account opening

Our Ratings: 5 / 5

Pros and Cons of this card: Card members can earn up to 6% cash back at their favorite stores up to a maximum of $1,500 per quarter. They can also choose online stores from the list of available stores. Though, they can select only two stores out of the list of applicable 24 stores.

Card members can also get 3% cash back on their first $1,500 in eligible purchases on their choice of one everyday category. For example, the everyday categories include wholesale clubs, gas, EV charging stations, bills, and utilities. Finally, the card members earn 1.5% cash back on the rest of the eligible purchases.

Card members can earn more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall. They can also earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center.

Card members get the cash back as a statement credit, a rewards card, a merchant gift card or directly deposited into their U.S. Bank checking or savings account. 

Sports credit cards are either issued jointly by credit card companies along with the association of sports authorities. There are credit cards issued in association with NFL, NBA, and other sports associations. These

These credit cards offer some great rewards like cashback, points, and miles. These credit cards are like any other credit card which charges interest rates if you carry some balance. If you are looking to opt for a balance transfer credit card. See our detailed guide on balance transfer credit cards.

Advantages of the sports credit card for the sports enthusiastic

1. These sports credit cards help provide early access to sports fans to the sporting arenas. Credit card companies invest in dedicated booths or arenas in sporting venues. Card members can access and enjoy games from these areas.
2. Credit card companies also engage card members with other dedicated activities. For instance, these may include meet and greet with athletes, autographs or pictures with athletes, and fan merchandise. Some banks issue special merchandise which is available to purchase only to credit card holders.
3. These credit cards also offer great rewards for spending outside sports. These credit cards could help the members with rewards.
4. These cards also provide rewards for online games. Customers can level up their gaming experience to maximize the cashback options. Thus, this will help reduce the overall cost of the games, consoles, and accessories.

#1 Card Name: NHL Discover It Credit Card

Fees: $0 annual fee

APR: 0% Intro APR for 15 months on purchases and balance transfers. After the Intro period ends a standard variable APR of 15.74% to 26.74% is applicable.

Rewards: Card members also earn a $300 Statement Credit after they spend $1000 on purchases in the first 3 months from account opening.

Our Rating: 3 / 5

Pros and Cons of this card: Sports fans can select any one of the 32 team motifs from the NFL lineup as the face of the card. Further, they can also earn 5% cash back on everyday purchases at different places each quarter up to the quarterly maximum of $1,500. For example, gas stations, Amazon.com,

Further, card members can earn unlimited 1% cash back on all other purchases. Discover bank also offers an unlimited cashback match for the first year. This meant that if a card member earns $200 worth of cashback. Then, Discover will match this cashback on the anniversary of the credit card.

#2 Card Name: Capital One SavorOne Rewards Credit Card

Fees: $0 annual fee

APR: 0% Intro APR for 15 months on purchases and balance transfers. After the Intro period 17.99% to 27.99% Standard Variable Purchase APR. An introductory balance transfer fee of 3%. 

Rewards: Card members earn a $200 cash bonus on spending $500 on purchases in the first 3 months from account opening.

Our Rating: 4 / 5

Pros and Cons of this card: This card offers 8% cash back on bookings made on Capital One Entertainment. This includes tickets to sports events, movies, art events, and others. Card members earn unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming services.

Capital One is the official banking partner of the NCAA and they arrange VIP packages, athlete meet-and-greets, and more. The bank is also an official banking partner of Major League Basketball (MLB).  Capital One rewards cardholders will be able to redeem their rewards for tickets to MLB games for all 30 teams through the Capital One Entertainment ticketing platform.

Finally, they also get access to exclusive tickets to special events such as All-Star Week, the MLB Postseason, and the World Series. Card members also get offers for appealing discounts for the MLB Shop and MLB.TV.

#3 Card Name: PlayStation Visa Credit Card

Fees: $0 annual fee

APR: 0% Intro APR for 15 months on purchases and balance transfers. After the Intro period 17.99% to 27.99% Standard Variable Purchase APR. An introductory balance transfer fee of 3%. 

Rewards: Card members earn 5X points when they shop directly from PlayStation. They also earn 5x points on buying PlayStation and Sony products at PlayStation stores and authorized retailers. They also earn a $75 game on spending $500 in 2 months of credit card opening

Our Rating: 3 / 5

Pros and Cons of this card: PlayStation Visa credit card provides rewards of 3X points on cable and internet bill payments. Card members earn 2X points at restaurants, including dine-in, takeout, and delivery. Furthermore, card members also earn 1 point for every $1 spent on all other shopping.

Finally, credit card members can personalize their credit cards with the images from the select games.

#4 Card Name: NFL Extra Points Visa Credit Card

Fees: $0 annual fee

APR: 19.74 – 29.74% of variable APR 

Rewards: $100 Cash Back in statement credits when card members spend $500. To qualify the purchases should be outside of the NFL in their first 90 days.

Our Rating: 3 / 5

Pros and Cons of this card:

Card Members can earn 3% in rewards on qualifying NFL purchases and NFL team purchases. NFL and team purchases include NFLShop.com, NFL stadium purchases, and NFL tickets. This card also provides 2% in rewards on grocery store purchases, food delivery, restaurants, gyms, and sporting goods purchases.

Card members get special financing on NFL Tickets of $250 or more made at NFL Team Ticket Offices, Ticketmaster, StubHub, and SeatGeek. They also get 20% off NFLShop.com purchases made with this Credit Card. Furthermore, this card provides exclusive access to the NFL’s biggest games and events.

#5 Card Name: American Express Platinum credit card

Fees: This credit card charges a $695 annual fee.

APR: 20.24 – 27.24% of variable APR 

Rewards: Card members earn 80,000 Membership Rewards Points after they spend $6,000 on purchases. To qualify, these purchases should be made on the new card in the first 6 months of Card Membership.

Our Rating: 5 / 5

Pros and Cons of this card: American Express is not a co-branded card with any sporting authority or association. Nonetheless, this card provides great offers to sports fans. American Express has reserved lounges and gates at major sporting arenas. Platinum cardholders can use these gates to enter fanzines and enjoy the games. They also get access to limited merchandise autographed by top athletes.

Further, American Express Experiences allows card members to get presale tickets for events before others. They also cover multiple sports including basketball, baseball, tennis, golf, and others. American Express also has a centurion lounge in the US Open reserved for the Platinum and higher card members. Card members can enjoy the game from this lounge and also enjoy free food and drinks.

Finally, American Express is not tied to one specific sporting event, they keep on providing the best value to their card members.

Financial broker credit cards are available from banks and financial companies. These co-branded cards are available only for active account holders of trading accounts of brokers. These cards are available usually with low fees, but they do have other fees like balance transfer fees.

These credit cards are issued by credit card companies. All the credit decisions, issuance of the credit card, fees, charges, and payments are made directly to the credit card company.

Compared to the rewards credit cards, these cards do not offer that many rewards. If you are looking for better reward cards, look for our post on the same.

Advantages of co-branded financial broker credit cards

The biggest advantage of these credit cards is to get the cashback or rewards directly deposit into the trading account. Instead of the statement credits for the cashback coming to the credit card, they accumulate in a brokerage account. Card members can invest these small sums as per choice.

#1 Card Name: American Express Platinum Card for Schwab

Fees: This credit card charges $695 in annual fees.

APR: 20.24 – 27.24% of variable APR

Rewards: Card members earn 100,000 Membership Rewards points. First of all, they have to after spending $6,000 in purchases in the first 6 months of Card Membership.

Our Rating: 5 / 5

Pros and Cons of this card: This is one of the very expensive American Express cards with an annual fee of $695. This card is meant for high-net-worth individuals holding a brokerage account with Charles Schwab.

Card members receive $100 in statement credit if the total holdings in their account are more than $250,000. This credit doubles to $200 if the total Schwab holdings are more than $1 million. This reward is applicable every anniversary year.

Card members earn 1 Membership reward for every $1 spent on all spending. They receive 5x Membership Rewards points on travel bookings on Amex Travel. Further, they also receive $200 in Hotel and Airline statement credit on qualified bookings on Amex Travel. The Hotel credits are on booking in Hotel Collections. Airline statement credits are on any incidental charges on the platinum card by an airline.

Next, the card members earn $20 credit for streaming services per month. These applicable streaming services could be, for example, Disney+, Netflix, New York Times, etc. This offer is valid only after registration on the American Express website. Card members get $189 in statement credits for CLEAR service payments made on the American Express Platinum card. Finally, customers also receive statement credits for Walmart+ membership fees.

#2 Card Name: Schwab Investor Card from American Express

Fees: $0 annual fees

APR:  0% introductory APR for the first 6 months from the date of account opening. After the intro offer 17.74 – 20.74% of variable APR.

Rewards: Card members earn one-time $200 statement credit after spending $1,000 in purchases in the first 3 months of Card Membership.

Our Rating: 3 / 5

Pros and Cons of this card: This is a basic American Express card for active Charles Schwab customers. Though, this card offers one of the best interest rates (APR) on any American Express Card. The rates are pretty competitive for the American Express card. Card Members also earn an unlimited 1.5% cash back automatically deposited into the eligible Schwab account for purchases made with this card.

#3 Card Name: Fidelity Rewards Visa Signature Credit Card

Fees: $0 annual fees

APR:  18.24% variable APR

Rewards: Card members earn 2 reward points for every $1 spent on this card. They earn 2% unlimited cashback for their spending.

Our Rating: 3 / 5

Pros and Cons of this card: First of all, this card automatically transfers the cashback on everyday purchases directly to the Fidelity brokerage account. This helps to convert the cash back into savings. This is a nice little feature. Instead of wasting money on small insignificant gifts, the money goes into savings. Though, this card also provides customers the option to redeem rewards. They can redeem rewards on dining, travel, and other rewards as well.

Subsequently, card members can shop with confidence using this card. This card offers card protections, such as zero fraud liability, purchase security, and emergency card replacement.

Further, this credit card has unlimited earnings with no caps or category restrictions. Further, this card has been awarded the best reward credit card for savers. Compared to, American Express cards this card doesn’t offer many frills or freebies.

#4 Card Name: Platinum Card from American Express for Morgan Stanley

Fees: $695 annual fees

APR:  20.24 – 27.24% variable APR

Rewards: Card members earn 125,000 membership reward points. To qualify for this reward they have to spend $6,000 in the first 6 months of the new card opening. 

Our Rating: 5 / 5

Pros and Cons of this card: American Express offers premium metal credit cards for Morgan Stanley customers. Card members can choose either a classic metal card or one specially designed metallic art card. This is again a very expensive card but it offers great deals on the rewards

Card members also get the first Additional Platinum Card to their accounts for family members for no annual fee. Further, they can get additional platinum cards for lower fees. Another, option available is to choose American Express gold cards for $0 annual fees.

Furthermore, card members can redeem rewards directly to their brokerage account. Card members earn 5x membership rewards on airline tickets, which are booked on airline websites or through Amex Travel. These rewards are also available for prepaid hotel purchases through Amex Travel.

Card members earn $200 in statement credits for hotel bookings through American Express Travel. Although, they need to pay through their American Express Platinum cards. 

Customers also receive statement credits for Walmart+ membership fees. This membership offers them free delivery. Next, they also received $15 in Uber Credits every month and an additional $20 in the month of December. Card members also get a $189 CLEAR statement credit. They can also earn, $200 in statement credits for selecting an airline and if any incidental fees are charged to the card by the airlines. Finally, the card members get up to $300 in statement credits each year on a digital or club membership at Equinox.

#5 Card Name: Morgan Stanley Blue Cash Preferred American Express Card

Fees: $0 introductory annual fees for the first year. After, the first year, a fee of $95 per year is applicable.

APR: 0% intro APR on purchases and balance transfers for the first 12 months. Post the introduction period, the Applicable variable APR of 17.74% to 28.74%.

Rewards: Card members earn $400 back in statement credit. To qualify they need to spend $3,000 on eligible purchases. This offer is valid only on the new Card within the first six months of Card Membership.

Our Rating: 4 / 5

Pros and Cons of this card: To start, card members earn a $100 statement credit after spending $15,000 on eligible purchases per calendar year on the Card. Membership fees will be effectively waived if a card member meets the spending criteria.

They also get, exclusive access to ticket presales and card member-only events. Card members earn 6% on grocery purchases at US supermarkets up to $6,000 (worth $360). After the applicable limit, the cashback is 1% on purchases. Card members earn 6% cash back on select streaming services. And then, they also earn 3% cash back on gas stations, ride share, trains, buses, parking, taxis, and tolls.

For the rest of the purchases applicable cashback is 1%. Finally, they get access to American Express Experiences to book members-only invite events.

Conclusion for selecting financial broker Credit Cards

As we have seen above, these credit cards co-branded by financial brokers, do offer good rewards. But the only worthwhile cards are from American Express. These cards carry big annual fees. Card members can select normal Platinum credit cards from American Express to get some of these benefits. Though, these credit cards are great to flaunt your wealth.

All major commercial airlines have co-branded airline credit cards. These include airlines from the USA as well as international airlines. These cards offer rewards usually in form of miles. These cards offer rewards in form of amenities from the airlines. They make you feel like a king in the air.

Airlines credit cards are good if you are frequent traveller and prefer a particular airlines. These cards do come with annual fees. The rewards are also good if you prefer only a particular airlines. Airlines also issue business credit cards along with personal credit cards. These business credit cards make sense for a business if it involves frequent air travel for the executives.

Advantages of using co-branded airline credit cards

Airline branded credit cards can offer a number of advantages to consumers who frequently fly with a particular airline. For someone who wants to earn rewards for their travel, these could be great. Co-branded airline credit cards along with hotel credit cards offer great rewards. There are also travel focussed credit cards which offer great rewards on travel. You can read our guide on best travel credit cards here. Some of the potential benefits of using an airline credit cards include:

1. Firstly, co-branded airline credit cards offer rewards points or miles for every dollar spent on the card. These points or miles can be redeemed for flights, hotel stays, car rentals, or other travel-related expenses.
2. Airline co-branded Cardholders may be able to access exclusive discounts on flights. They may also receive other amenities such as priority boarding, free checked-in bags, discounted meals or drinks once onboard, and other perks.
3. Some cards offer bonus rewards for spending on flights and other travel-related expenses with the airline, allowing cardholders to rack up rewards more quickly.
4. These credit cards offer free access to lounges of the airlines nationally or through network lounge operators internationally.
5. Finally, some high-end airline credit cards offer travel insurance if the trip is booked using the credit card. Such insurance covers the cost of trip cancellation owing to airline faults, trip delays, lost luggage insurance, and emergency evacuation coverage.

It’s important to carefully consider the terms and fees associated with an airline credit card before applying, as these cards may have higher annual fees and interest rates compared to other types of credit cards.

#1 Card Name: Southwest Rapid Rewards Plus Credit Card.

Fees: $69 annual fees

APR: 19.74 – 26.74% variable APR

Rewards: Card members earn 50,000 bonus points. They have to spend $1,000 on purchases in the first 3 months from account opening. They also earn 2 points on spending $1 on Southwest airlines purchases

Our Rating: 3 / 5

Pros and Cons of this card: This card awards 3000 bonus points every year on the card member’s anniversary. Card members also earn 1 point on everyday spending of $1. Rapid Rewards card also offers other benefits such as a Companion pass. They also offer 2 Early-bird check-in every year.

This card also offer rewards in form of points on everyday purchases. Card members can earn 2 points on $1 spent. The spending categories can be on the internet, cable, streaming services, local transit, and commuting.

SouthWest airline offer 3 credit cards Rapid Rewards, Rapid Rewards Priority, and Rapid Rewards Premier Credit Cards. The difference is in the annual fees and the rewards for each of these card offers. The better the category of credit card higher the rewards and the associated fees.

#2 Card Name: United Quest Card

Fees: This card charges $250 annual fee and $0 foreign transaction fee.

APR: 20.74% – 27.74% variable APR

Rewards: Card members can earn 80,000 bonus miles on spending $5,000. They have to spend this amount in the first 3 months of the new card opening.

Our Rating: 4 / 5

Pros and Cons of this card: Credit card members get priority boarding on United Airlines flights. They also get $125 bonus credit on United Airline bookings. They earn 3x bonus miles on spending on United Airlines. Card members earn 2x miles on the spend on dining, other travel-related purchases, and streaming services. They also get first and second bags for free on United Airlines flights. Card members get upto $100 in statement credits for Global Entry, TSA PreCheck, or Nexus.

United offers a starting credit card United Gateway Card with a $0 annual fee. Another starting credit card is the United explorer Card with a $95 annual fee and decent rewards. Although, the top card from United Airlines is the United Club Infinite Card. This card offers 4x miles on United, 100k bonus miles, but a high annual fee of $525.

#3 Card Name: Alaska Airline Credit Card

Fees: This card has a $75 in annual fee and no foreign transaction fees.

APR: 19.74% – 27.74% variable APR

Rewards: Card members earn 50,000 bonus miles and Alaska Famous Companion Fare for $121 on making a $2,000 purchase in the first 90 days.

Our Rating: 3 / 5

Pros and Cons of this card: Card members and 6 companions get free checked bags on Alaska Airlines. Every year on the card anniversary they get an Alaska Famous Companion Fare for $121 on any flight. Card members earn unlimited 3 miles on every $1 spent on Alaska Airlines. They also earn 1 mile on every $1 purchase on other things.

There is also 20% cash back on all Alaska Airlines inflight purchases using the credit card. Finally there is flexibility with no blackout dates on Alaska Airlines using this credit cards.

#4 Card Name: Free Spirit Travel More World Elite Mastercard

Fees: This card has $0 introductory first-year annual fee and $79 in fees in subsequent years.

APR: 19.74% – 27.74% variable APR

Rewards: Card members earn 60,000 bonus points on spending $1,000. They also earn a $100 Companion Flight Voucher if they make purchases within the first 90 days of account opening.

Our Rating: 3 / 5

Pros and Cons of this card: Card members earn 3 points per $1 spending on Spirit Airlines. They also earn 2 points on eligible dining and grocery purchases. On each anniversary year they get a $100 Companion Flight Voucher. They have to meet the spending criteria of $5,000.

#5 Card Name: JetBlue Plus Mastercard from Barclays 

Fees: This card charges a $99 annual fees to the card members.

APR: 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 19.74% – 28.74%.

Rewards: Card members earn 40,000 bonus points. These rewards are earned after spending $1,000 and paying the annual fee in full within the first 90 days.

Our Rating: 4 / 5

Pros and Cons of this card: Firstly, card members earn 6x points on eligible purchases on JetBlue. They also earn 2x rewards on dining and grocery purchases. They also receive 4,000 bonus points on the card anniversary year. There is also a 50% savings on inflight purchases of food and drinks.

Card members get an annual $100 statement credit on purchasing a JetBlue Vacations package of $100 or more. Card members earn free first checked bags for the card member and 3 accompanied members.

#6 Card Name: Delta Skymiles Platinum American Express Card

Fees: $250 with no foreign transaction charges

APR: 19.99 – 28.99% of variable APR

Rewards: Card members earn 90,000 bonus miles and 10,000 Medallion miles on spending $3,000 in first 6 months

Our Rating: 4 / 5

Pros and Cons of this card: Card members 3x miles on purchases at Delta or hotels directly. They also earn 2x miles on dining, takeout, and groceries. Card members get first bags free and 8 companions for Delta flights using the American Express Cards.

Card members also get priority boarding on Delta flights. They also get a $100 statement credit credit for eligible spend on Global Entry or TSAPrecheck. Futher, American Express Platinum card comes with Insurance for flight delays, cars, and other travl related spends.

#7 Card Name: AAdvantage Aviator Silver Mastercard

Fees: $199 annual fee

APR: $19.74 28.74% variable APR

Rewards: 3x AAdvantage miles on every $1 spent on the card. At each anniversary year card members get 2 companion ticket for $99. They have to meet spending criteria of $20,000 on more in a year.

Our Rating: 3 / 5

Pros and Cons of this card: Card Members earn 2x AAdvantage miles spent on hotel and car rentals. They also earn $50 in wi-fi credits every anniversary year. Card members get free checking bags and preferential boarding for the card members and up to 8 companions booked in same trip. Finally, they also get $100 in statement credit for reimbursement of Global Entry or TSAPrecheck.

#8 Card Name: Citi AAdvantage Platinum Select World Elite Mastercard

Fees: Free for first year and $99 after that

APR: 20.24 – 29.24% variable APR

Rewards: 2x miles on every $1 spending on American Airlines flights, restaurants, and gas stations

Our Rating: 3 / 5

Pros and Cons of this card: Card members get first checked bag free on domestic American Airlines itineraries for the card members. Further, upto 4 travel companions booked on same card. Card members get preference in boarding American Airlines flight.

Card members get $125 discount on American Airlines flight on spending $20,000 or more on the first year and renewals. Further, they get 25% savings on in-flight food and beverages purchases.

#9 Card Name: Hawaiian Airlines World Elite Mastercard

Fees: $99 in annual fee and no foreign transaction fees

APR: 19.74 – 28.74% variable APR

Rewards: Card members earn 60,000 bonus Hawaiian miles after spending $2,000 on purchases within the first 90 day. They also earn 3x miles on the Hawaiian airlines purchases

Our Rating: 3 / 5

Pros and Cons of this card: Card members earn 2x miles on gas, dining, and eligible grocery store purchases. They also earn 1x miles on all other purchases. Card members earn 2 free checked bags on the Hawaiian airlines. Finally there is a One-time 50% discount on roundtrip flights between Hawaii and North America.

#10 Card Name: Emirates Skywards Premium World Elite Mastercard

Fees: $499 in annual fee

APR: 19.74 – 28.74% variable APR

Rewards: Card members earn 40,000 miles on a new card opening. Every anniversary year members get 10,000 bonus miles on Emirates Airlines.

Our Rating: 2 / 5

Pros and Cons of this card: The primary card holder gets Gold Tier membership elevation on Emirates airlines. Card members earn 3 miles every $1 spent on Emirates airlines. They also earn 2 miles on $1 spent on travel purchases. For rest of the spend $1 spent card members earn $1.

Further, the card members get Global Travel or TSA PreCheck fee waiver. They also get Priority Pass for access to select lounges. This card is issued by Barclays Bank, and is one of very expensive cards in $499 fees for the amount of benefits. Though, Emirates is one of the best airlines when it comes to customer services. For a card member purely from a points or miles basis, this card doesn’t add that much punch.

Travel credit cards offer rewards on flight booking, hotel stays, and rental cars. These credit cards offer many advantages for travelers. One of the best advantages of travel credit cards is access to airport lounges. For frequent travelers, access to these lounges can provide a break and rest.

Travel credit cards offer rewards points or miles. These rewards could be for purchases on travel or for every dollar spent on other purchases. Usually, there are multipliers for travel-related purchases. Card members can redeem these points or miles for travel-related purchases. Finally, they can redeem these points for booking flights, hotel stays, and rental cars.

Advantages of using travel credit cards

1. Earning rewards

First of all, there are a few downsides to using travel credit cards. They usually carry joining or annual fees. The APR on travel credit cards is higher than on normal cards. Card members need to weigh the advantages of the travel cards against the cost.

2. Perks and benefits of travel credit cards

Secondly, travel credit cards often come with extra perks and benefits. These benefits include free check-in bags, priority boarding, and access to airport lounges. These advantages attract travelers to apply for travel credit cards. Further, they also offer payments made against airport programs like Global Entry and TSA PreCheck. Credit card companies reimburse the cost of these expenses.

3. Travel insurance

Some travel credit cards offer travel insurance. This travel insurance includes trip cancellation and interruption coverage. This would also cover lost luggage protection, emergency medical, and evacuation coverage.

4. Flexibility on travel credit cards

Travel credit cards often have flexible redemption options. They allow card members to redeem points or miles for travel-related purchases. Card members can also transfer them to airline or hotel loyalty programs.

5. Convenience of travel credit cards

Furthermore, travel credit cards can make it easier to pay for travel-related expenses. A wider range of merchants accepts these credit cards at airports. They offer more discounts as compared to debit cards or cash. Travel Credit cards also offer better rewards as compared to rewards credit cards for travel.

6. Foreign Transaction Fees

Finally, several credit cards waive any foreign transaction fees. This is a great advantage to have for international travelers. They can use the cards without incurring extra fees. Some of these cards may reimburse or offer foreign transaction fees as cashback. Finally, this is one feature that a card member should insist on. Traveling internationally, foreign transaction fees can pile up pretty soon.

List of some of the best travel credit cards

Here is a list of some of the best travel credit cards which are available for customers. These credit cards offer some of the best deals on travel.

#1 Card Name: Venture X from Capital One

Fees: This card has $395 joining fees and annual fees. There is a 3% fee on the balance transfer but $0 in foreign transaction fees.

Rewards: Customers can earn 75,000 bonus miles on spending $4,000. These miles equal $750 in cash when used for travel-related purchases. They have to spend this amount within 3 months of opening a new credit card account. This card offers double bonus miles on every spend.

APR: 19.99% – 26.99% variable APR

Our Rating: 4 / 5

Pros and Cons of this Card: This card also provides free 10,000 bonus miles on each anniversary year. Customers also receive $300 statement credits for booking through Capital One Travel. This card also provides a $100 credit for Global Entry and TSA PreCheck. Venture X provides 10x miles on hotel and rental car-related spending. Card members can earn 5x miles on flights booked through Capital One Travel. This card also provides unlimited access to Capital One lounges to the card member and 2 guests. They also have a tie-up with Priority Pass and Plaza Premium lounges worldwide. Venture X card holders and 2 guests can enjoy these lounges worldwide.

Lastly, the main setback of this card is its high joining fees. This is offset against the initial sign-on miles. This is an excellent card for high flyers and globe trotters. Evidently, this is one of the best rewards offering cards.

#2 Card Name: Classic Platinum from American Express

Fees: $695 in annual fees, a 3% fee on the balance transfer, and $0 foreign transaction fees.

Rewards: Amex platinum offers 125,000 membership rewards points as a one-time bonus. Card members need to spend $6,000 in the first 6 months of the issuance of the card. 

APR: 20.24% – 27.24% variable APR is applicable on eligible charges.

Our Rating: 4 / 5

Pros and Cons of this Card: Firstly, the Platinum credit card with annual fees of $695 is an expensive credit card. On the other hand, this credit card provides $1500 worth of value to the credit card member. Customers get $200 back in statement credit each year. Card members earn 5x points on flight and hotel bookings through American Express Travel.

Customers get $20 in statement credits each month for purchases on subscription services. Included services are Audible, Disney+, Hulu, ESPN+, Peacock, and the NY Times. Walmart+ members enjoy full credit for the membership fees when they pay using this card. Card members also receive a $15 bonus in Uber Cash each month. They have to book car rides or UberEats orders on the Uber App using the Platinum card. Card members are also eligible for rewards for many other premium subscriptions.

Credit card members get access to the American Express Global Lounges. These lounges are available at more than 1400 airports across 650 cities globally. Furthermore, card members earn 5x points on flights booked on an airline website.

#3 Card Name: Chase Sapphire Reserved Credit Card

Fees: Annual fee of $550 and a 3% introductory balance transfer fee which increases to 5% of the balance transfer fee.

Rewards: Card members earn 60,000 bonus points. But, they have to spend $4,000 on purchases in the first 3 months of the new card opening. These bonus points are worth $900 when redeemed for travel through Chase Ultimate Rewards.

APR : 0% introductory APR for 15 months on balance transfers and purchases. Once the introductory offer ends a variable APR of 17.99% – 27.99% is applicable.

Our Rating: 4 / 5

Pros and Cons of this Card: Card members receive up to $300 in statement credits every anniversary year. Although, to qualify for this offer they need to charge their travel expenses to this card. Card members earn extra points when they buy travel through Chase Ultimate Rewards. They get 5x total points on flights and they earn 10x points on hotels and rental cars. Lastly, card members earn 3x points on the rest of their travel plans. Evidently, this is an excellent travel credit card.

#4 Card Name: Travel Rewards from Bank of America

Fees: $0 in Annual fees, a 3% fee on the balance transfer, and $0 foreign transaction fees

Rewards: Customers can earn 25,000 bonus points and a $250 travel or dining statement credit value. To qualify they have to spend at least $1,000 in the first 3 months of opening the new account. 

APR: 0% APR offers for 18 months and then a variable APR of 17.74% – 27.74% 

Our Rating: 3 / 5

Pros and Cons of this Card: This credit card offers excellent travel rewards with 3 points earned for every $2 spent on purchases. Customers get the flexibility to redeem points for a statement credit. They can also pay for travel and dining purchases made on the card through rewards. Further, there are no end dates of the points expiry on this card and there are no blackout dates. Existing Bank of America customers receive higher bonus rewards. Bonus rewards depend on their Preferred Rewards tier with the Bank. For example, a preferred customer gets more points.

#5 Card Name: US Bank Altitude Reserve Visa Infinite Card

Fees: $400 in Annual fees

Rewards: 50,000 bonus points worth $750 on travel. Card members have to spend $4,500 in the first 90 days of credit card account opening.

APR: 21.24% – 28.74% of variable APR

Our Rating: 3 / 5

Pros and Cons of this Card: Card members earn 5x points on hotels and car rentals booked in the Altitude Rewards Center. They also earn 3x points on travel and mobile wallet purchases. Nevertheless, this credit card provides $325 in annual credits for eligible purchases. These eligible purchases could be for multiple categories. For example, these could be for travel, dining, and restaurant charges. Complimentary Priority Pass membership covering more than 1300 VIP lounges worldwide. Moreover, this credit card also reimburses the TSA PreCheck or Global Entry fee of $100 every 4 years.

#6 Card Name: Discover It Miles travel credit card

Fees: $0 in Annual fees or foreign transaction fee

Rewards: 1.5x miles on every dollar spent on the credit card. Discovery automatically matches all the miles earned at the end of the first year. If a card member earned 10,000 miles in the first year. The card will match it to 10,000 miles extra at the first year anniversary.

APR: 21.24% – 28.74% of variable APR

Our Rating: 2 / 5

Pros and Cons of this Card: Discover It Miles card is a decent travel card for customers. Customers can redeem miles for a statement credit to pay for travel purchases. They can also redeem miles on Amazon.com and redeem using PayPal at the checkout. Although, this card does not offer too many rewards like other travel cards. For example, there is no airport lounge access, bonus on flight bookings, and reimbursement of TSA PreCheck fees. Finally, an important advantage is $0 annual fees and matching of miles for the first year. 

#7 Card Name: CITI Premier Credit Card

Fees: $95 in Annual fees and $0 in foreign transaction fee

Rewards: Card members earn 80,000 bonus points after spending $4,000 in purchases. They have to make these purchases with the card within the first 3 months of account opening. Further, these points are redeemable for $800 in gift cards. 

APR: 20.24% – 28.24% of variable APR

Our Rating: 3 / 5

Pros and Cons of this Card: Card members earn 3x points on restaurants, supermarkets, gas stations, air travel, and hotels. They earn 1x points on all other purchases. Card members can redeem the points to shop online at Amazon.com or BestBuy.com. Card members can also redeem their points for flights, hotels, cruises, and more. Further, these points can be transferred to participating airline loyalty programs. A statement credit of $100 off on a single hotel stay of $500 or more, once per calendar year.

#8 Card Name: Bilt Mastercard Credit Card

Fees: $0 in Annual fees 

Rewards: Earn 2x points on flights, hotels, rental cars, and cruises. The travel is booked directly with airlines, hotels, and car rental agencies.

APR: 20.24% – 28.24% of variable APR

Our Rating: 4 / 5

Pros and Cons of this Card: Bilt Mastercard offers 2x points on travel purchases. The card also offers the members 3x points on dining and 1x points on rent payments and other purchases. Bilt rewards points have the highest value. Bilt also offers reimbursement for expenses incurred on delayed trips over 6 hours. To qualify for this offer the card members need to book the trips on the Bilt Mastercard. Finally, this card also offers up to $5,000 in reimbursement for non-refundable fares for any canceled trips.