Credit Cards for People with Excellent Credit

American Express AIR MILES* Credit Card

  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors.
  • Earn 1 reward mile for every $20 in Card purchases everywhere else2.
  • As well, shop at participating AIR MILES®* Sponsors across Canada with your Card and your AIR MILES®* Collector Card, and you can earn reward miles from both.
  • Conditions Apply.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.99% 12 Billing Cycles 19.99% $0 Yes Excellent

American Express Business Gold Rewards Card

  • 25,000 Welcome Points. Enough for a ticket almost anywhere in North America. Just purchase $3,000 in the first 3 months
  • Earn 1 point for every dollar in purchases charged to the Card. No caps
  • Earn up to 40,000 bonus points. Every year. 15,000 points when you reach $50,000 in purchases. Another 25,000 when you reach $100,000
  • Get additional Cards for employees. Earn even more points – all on your account
  • More Rewards for you or your Business. Transfer to Aeroplan®*. Instantly. 1 point = 1 Aeroplan®* mile
  • Also transfer points to Delta Air Lines and Cathay Pacific’s Asia Miles and access their 27 airline partners
  • Book virtually any trip or vacation. Pay all or part with points. No blackouts
  • No fee for the First Year. A savings of $180
  • Conditions Apply

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $180 (First Year Free) Yes Excellent

American Express Gold Rewards Card

  • Earn double points for every $1 in eligible travel purchases charged to the Card, including flights, hotels, car rentals, cruises, and more.
  • Plus, earn double points for every $1 in eligible gas, grocery and drugstore purchases charged to the Card.
  • You’ll also earn one point for every $1 in Card purchases everywhere else.
  • Conditions Apply.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $150 (first year free) Yes Excellent

AT&T Universal Business Rewards Card

  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
  • Additional cards for employees with credit limits you set
  • No Annual Fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 14.24% Variable $0 Yes Excellent

Blue Cash Everyday(SM) Card from American Express

  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 17.24%-22.24% Variable No Annual Fee Yes Excellent

Blue Cash Preferred(SM) Card from American Express

  • Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $75 Referral Bonus for each friend or family member who is approved for the Card
  • The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 17.24%-22.24% Variable $75 Yes Excellent

British Airways Visa Signature Card

  • You will get 50,000 bonus Avios after your first purchase
  • 25,000 bonus Avios after you make $10,000 in purchases within the first year of account opening
  • Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases within the first year of account opening
  • That’s enough Avios for one roundtrip business class reward ticket
  • New: Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home
  • Pay no foreign transaction fees when you travel abroad
  • Earn 2.5 Avios for every $1 spent on British Airways purchases
  • Earn 1.25 Avios for every $1 spent on all other purchases
  • Every year you spend $30,000 on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $95 Yes Excellent

Business Green Rewards Card from American Express OPEN

  • Receive 5,000 bonus points on your first purchase
  • No pre-set spending limit* or finance charges
  • Earn one Membership Rewards® point for every dollar you spend
  • Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • $0 introductory annual fee for the first year, then $95

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A [You must pay your balance in full each month] $95* No Excellent

Chase Freedom MasterCard

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 12.99% – 22.99% $0 Yes Excellent / Good

Chase Freedom Visa

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 12.99% – 22.99% $0 Yes Excellent / Good

Chase Sapphire Preferred Card

  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months- that’s $500 toward travel rewards!
  • 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
  • Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate Rewards℠
  • No foreign transaction fees
  • Receive a 7% annual dividend on all new points earned – even on points already redeemed
  • 1:1 point transfer to participating frequent travel programs
  • Direct access to expert service advisors anytime
  • No Annual Fee for your first year – A $95 value

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $95 Yes Excellent

Chase Sapphire Card

  • Earn 10,000 bonus points after you spend $500 in the first 3 months – that’s $100 toward travel or any other reward!
  • 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • Direct access to expert service advisors anytime
  • No annual fee!

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $0 Yes Excellent

Citi Forward Card

  • $100 in gift cards – When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% – 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% See card details 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi Simplicity Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 12.99 – 21.99% (variable) $0* Yes Excellent

Citi Simplicity Visa Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 12.99 – 21.99% (variable) $0* Yes Excellent

Citi ThankYou Card

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% – 22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on purchases.
  • Earn an anniversary bonus on points earned from purchases every year*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi ThankYou Preferred Card – $150 in gift cards

  • $150 gift card – When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
  • 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi ThankYou Preferred Card – 25,000 points – $250 in gift cards

  • $250 gift card – When you redeem the 25,000 bonus ThankYou® Points received after $2000 in purchases within 4 months of account opening.
  • Earn 1 point for every $1 you spend on all purchases
  • Receive an anniversary bonus every year you’re a cardmember
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi Dividend Platinum Select Visa Card – $100 Cash Back

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances
  • No Annual Fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi Platinum Select / AAdvantage Visa Signature Card

  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Priority Boarding* and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage(R) miles each calendar year*
  • No mileage cap* and your miles may never expire*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% $95, waived first year Yes Excellent

Citi Platinum Select Visa

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 11.99% – 21.99%* (Variable) $0* Yes Excellent

Citi Diamond Preferred Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 11.99% – 21.99%* (Variable) $0* Yes Excellent

Citi Hilton HHonors™ Visa Signature Card

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 14.24% variable or 16.24% variable* $0 Yes Excellent

CitiBusiness ThankYou(SM) Card

  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou(R) points after you make $3000 in purchases within 3 months of cardmembership – enough for $150 in gift cards
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
  • Earn 3 ThankYou(R) points for every dollar you spend on eligible purchases in rotating business categories.
  • Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
  • No limit to the amount of points you can earn on purchases and points don’t expire.
  • No annual fee *

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 13.24% $0 Yes Excellent

CitiBusiness / AAdvantage World MasterCard

  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • First eligible checked bag free for you and up to 4 traveling companions*
  • Priority Boarding – Enjoy an enhanced boarding experience*
  • Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Renew your annual cardmembership and earn a 5% AAdvantage mileage bonus upon eligible purchases made during the cardmembership year*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $95 Yes Excellent

Discover More Card

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 10.99% – 20.99% (V)* $0 Yes Excellent

Discover Motiva Card

  • Earn Cashback Bonus for your good credit management
  • 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% – 20.99%*
  • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty – 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index Report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rate, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 10.99% – 20.99% (V)* $0 Yes Excellent

Discover Open Road Card

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 10.99% – 19.99% (V)* $0 Yes Excellent

Discover More Card – 18 Month Promotional Balance Transfer

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% See card details 10.99% – 20.99% (V)* $0 Yes Excellent

Escape by Discover Card

  • Earn up to $250 in travel rewards–1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% – 16.99%*
  • No restrictions on travel–fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 10.99% – 16.99% (V)* $60 Yes Excellent

Gold Delta SkyMiles Business Credit Card from American Express OPEN

  • Earn 30,000 bonus miles toward Award Travel – when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free- for up to 8 people on your reservation- on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% – 19.24% Variable $95 No Excellent

Hyatt Credit Card

  • Begin with 2 Award Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card
  • Receive 1 Anniversary Award Night each year in category 1-4 properties
  • No foreign transaction fees and Smart Chip protection on international purchases
  • 3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties
  • 1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere
  • There are no limits to the points you can earn
  • Award nights with no resort, Internet or redemption fees

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $75 Yes Excellent

IberiaBank Visa Select Card

  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period.
  • Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
  • Online access to credit card account information
  • Low Annual Fee of $35.00.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Billing Cycles 7.50%, 9.50% or 11.50% $35 Yes Excellent

IberiaBank Visa Classic Card

  • No Annual Membership Fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online Access to Credit Card Account Information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 7.25%, 10.25% or 13.25%* $0 Yes Excellent

Ink Bold with Ultimate Rewards

  • Earn up to 50,000 bonus points – 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months – that’s $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • Earn up to 5X points per dollar on eligible business purchases, and points do not expire
  • No foreign transaction fees
  • Free Employee Cards
  • No interest charges because it’s a pay-in-full charge card
  • Transfer points you’ve earned to participating frequent travel programs at a 1:1 value
  • No Annual Fee in the first year – a $95 savings

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $95 (First Year Free) No Excellent, Good

Ink Cash Business Card

  • Up to $250 cash back bonus – $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.24% $0 Yes Excellent, Good

Ink Classic Business

  • Up to 25,000 bonus points – 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
  • 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn
  • Points do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.24% $0 Yes Excellent, Good

Marriott Rewards Credit Card

  • Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that’s enough up to 6 free nights at a category 1 hotel
  • No Annual fee for your first year – that’s a $45 value*
  • Earn 3 points for every $1 spent at Marriott® locations
  • Earn 1 point for every $1 spent on other purchases
  • Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
  • Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 14.24% $45* Yes Excellent

Marriott Rewards Premier Credit Card

  • Earn 50,000 Bonus Points after your first use
  • Receive 1 free night stay upon account approval and each year upon account anniversary
  • Earn 5 points for every $1 spent at Marriott® locations
  • Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
  • Earn 1 point for every $1 spent on other purchases
  • No foreign transaction fees
  • Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
  • Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% $85* Yes Excellent

Miles by Discover Card

  • Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months – up to 20,000 Bonus Miles
  • 1 Mile on every $1 you spend – Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% – 15.99%*
  • No restrictions on travel–fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.99% – 15.99% (V)* $0 Yes Excellent

SimplyCash Business Card from American Express OPEN

  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
  • No annual membership fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% See card details 12.24% – 19.24% Variable $0 No Excellent

Slate from Chase – No Balance Transfer Fee

  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Billing Cycles 11.99% – 21.99% Variable $0 Yes Excellent

Southwest Airlines Rapid Rewards Plus Credit Card – FREE FLIGHT

  • NOW! Earn a FREE FLIGHT after your first purchase
  • Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a $50 Wanna Get Away® Fare
  • Now you can redeem for International Travel, Hotels, Gift Cards and more.
  • Earn unlimited FREE FLIGHTS – 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else
  • Your Bags Fly FREE! No Blackout Dates, Points Dont Expire, and Unlimited Reward Seats!
  • No Change fees – if you need to change your flight, you won’t be charged a fee
  • September 11th Security Fee Applies

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% $69 Yes Excellent

Starwood Preferred Guest Business Credit Card from American Express OPEN

  • Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% – 19.24% Variable $65* No Excellent

The New American Express AIR MILES* Platinum Credit Card

  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors.
  • Now! Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores.
  • Earn 1 reward mile for every $15 in Card purchases everywhere else.
  • Conditions Apply

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.99% 12 Billing Cycles 19.99% $65 (First Year Free) Yes Excellent

The Plum Card from American Express OPEN

  • The Everything, Everywhere Trade Terms Card(SM) from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management tool

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $185 No Excellent

The Starwood Preferred Guest* Credit Card from American Express

  • Earn 1 Starpoint®* for every $1 in purchases charged to the Card.
  • Also, earn 10,000 Welcome Bonus Starpoints after you charge $1,000 in purchases to your Card in your first three months of Cardmembership.
  • Conditions Apply.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 19.99% $120 Yes Excellent

United MileagePlus Club Card

  • Annual Club Membership – up to a $475 value
  • Premier Access℠ Priority Airport Services
  • Earn a 50% Mileage Bonus
  • Check your first and second bag for free
  • No Foreign Transaction Fees*
  • Receive Access to exclusive events with Inside Access from Chase

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $395 Yes Excellent

United MileagePlus Explorer

  • Earn up to 40,000 bonus miles & first year free, a $95 value*
  • First checked bag is free for you and a companion when you fly United flights, up to a $50 value
  • Board your flight before general boarding with priority boarding privileges
  • Visit the United Club with two complimentary day passes every year, up to a $100 value
  • Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
  • Your miles don’t expire and there is no limit to the number of miles you can earn

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $95 Yes Excellent

Visa Black Card™

  • Limited Membership
  • 24-Hour Concierge Service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline – no blackouts or restrictions
  • Luxury gifts
  • Accepted globally; zero liability protection against unauthorized purchases
  • Made with carbon, not just another piece of plastic

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Billing Cycles 14.99% $495 Yes Excellent