2017 RANKING & REVIEWS
BEST CREDIT CARD OFFERS AND BEST CREDIT CARD PROMOTIONS
What Are the Best Credit Card Deals and Best Credit Card Offers?
Basic credit cards seem to be a thing of the past, with more companies striving to be known for the best credit card benefits and the best credit card perks. In an attempt to gain more users, leading credit card companies are working to provide the best deals on credit cards, which often include some of the best credit card promotions and credit card offers.
It’s excellent for consumers because they have the opportunity to compare credit cards as well as to compare credit card offers and find the one that is going to give them the most bang for their buck.
Credit card offers and the best credit card deals can come in a variety of forms.
Two of the leading credit card offers included on this credit card comparison include options with a 0% interest rate for a pre-set period of time, as well as those cards offering bonus miles or cash back for new cardholders. These are some of the most popular and best credit card offers.
Award Emblem: Best Credit Card Deals and Best Credit Card Offers
It’s worth noting that many of these best credit card deals may be limited time offers or may change over time, while others may be a fixed component of the card, designed to consistently reward new cardholders for signing up.
Whether the cards listed below feature a large number of bonus travel miles, a cash back bonus for new cardholders, or an extended period where the cardholder isn’t required to pay interest on purchases and balance transfers, each has a unique set of benefits and some of the best credit card perks, which is why they’re included in this ranking.
This ranking of the best credit card offers and the best credit card deals includes details of why the card was selected, not only in terms of the specifics of the promotions included with the card but also specifics of the card in general.
List of Top 12 Best Credit Card Offers
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- Arrival Plus™ World Elite MasterCard®
- BankAmericard Travel Rewards® Credit Card
- BB&T Spectrum Rewards® Card
- Blue Cash Preferred® Card from American Express
- Cash Rewards Credit Card
- Chase Freedom Unlimited℠ Credit Card
- Chase Sapphire Preferred® Credit Card
- FlexPerks® Travel Rewards Visa Signature®
- HSBC Platinum MasterCard® with Rewards Credit Card
- PNC Points® Visa® Credit Card
- VentureOne from Capital One
- Wells Fargo Rewards® Card
Top 12 Best Deals on Credit Cards| Brief Comparison
Credit Card Name
% or Low Intro APR Offer?
|Arrival Plus™ World Elite MasterCard®|
|BankAmericard Travel Rewards® Credit Card|
|BB&T Spectrum Rewards® Card|
|Blue Cash Preferred® Card from American Express|
|Cash Rewards Credit Card|
|Chase Freedom Unlimited℠ Credit Card|
|Chase Sapphire Preferred® Credit Card|
|FlexPerks® Travel Rewards Visa Signature®|
|HSBC Platinum MasterCard® with Rewards Credit Card|
|PNC Points® Visa® Credit Card|
|VentureOne From Capital One|
|Wells Fargo Rewards® Card|
Table: Top 12 Credit Card Offers | Above list is sorted alphabetically
AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best Credit Card Promotions
Below, please find the detailed review of each card on our credit card comparison and credit card reviews of the best credit card deals and offers. We have highlighted some of the factors that allowed these best credit card offers to score so well in our selection ranking.
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Barclaycard Arrival Plus™ World Elite MasterCard® Review
Barclaycard US is a credit card company included on this credit card comparison and list of credit card reviews featuring some of the best credit card promotions. This company offers an extensive selection of rewards cards in categories including travel, rewards, entertainment, everyday rewards, and cash back. This leading credit card provider featuring some of the best credit card deals has been providing products to customers for more than 50 years.
Image source: Pixabay
Barclaycard is backed by the financial strength of Barclays PLC, which is one of the largest financial services companies in the world. Barclaycard partners with more than 60 of the world’s leading companies to deliver innovative products and personalized service to cardholders.
Key Factors That Led to Our Ranking of This as One of the Best Credit Card Promotions
Among the best credit card deals and best credit card offers, the following are some specific reasons the Barclaycard Arrival Plus™ World Elite MasterCard® was included in this ranking.
As mentioned in the introduction to these credit card reviews, one of the primary factors used to pick the best credit card offers was whether or not they offered a bonus reward, either in terms of cash back or travel rewards.
This card does offer that, and at the potential to earn 50,000 bonus miles, it’s one of the most significant rewards among all travel cards. This Barclaycard Arrival Plus™ World Elite MasterCard® features the opportunity to earn 50,000 bonus miles when a new cardholder spends $3,000 on purchases in the first 90 days.
The bonus miles offer is enough to redeem for a $500 travel statement credit.
Low Introductory APR on Balance Transfers
What stood out about the Barclaycard Arrival Plus™ World Elite MasterCard® and led to its inclusion on this credit card comparison of the best credit card promotions and the best credit card benefits was the fact there isn’t just one introductory offer, but several.
New cardholders get a 0% introductory APR for 12 months on each balance transfers made within 45 days after they open their new account.
Even after that period, the variable APR is competitive, but this introductory period gives cardholders an excellent opportunity to consolidate their debt and make it more manageable and affordable.
Annual Fee Waived
As mentioned, this card features some of the most robust credit card offers for new members, as well as bonus miles earnings opportunities, the low introductory APR on balance transfers, and a waiver of the annual fee for the first year.
Since this is a high-level travel card with extensive miles earnings opportunities, including 2x miles on all purchases, there is an annual fee of $89.
However, new cardholders don’t have to pay this for the entire first year, and starting at an accumulation of 10,000 points, cardholders can start redeeming their miles for travel statement credits.
Other Card Benefits
The Barclaycard Arrival Plus™ World Elite MasterCard® doesn’t just have some of the best credit card promotions. It also, in a general sense, offers some of the best credit card benefits. Some of these include:
- 2x miles on all purchases
- 5% miles back that can be used toward the next redemption every time a cardholder redeems
- Miles don’t expire as long as the account is open, in good standing, and active
- No foreign transaction fees
- Complimentary online access to FICO scores
- Cardholders can access the Barclaycard Travel Community and earn miles for their activity
- $0 fraud liability protection
- MasterCard World Elite concierge and luxury travel benefits
BankAmericard Travel Rewards® Credit Card Review
Bank of America is one of the leading financial institutions in the U.S., featuring not only some of the best credit card promotions and best credit card perks but also full-service banking solutions for consumers, small businesses, and corporations. Bank of America began as the Bank of Nantucket, and the company has excelled at being an innovator since then.
One of the areas they’re most innovative in is the provision of credit cards, having launched the first nationally licensed credit card program that eventually grew around the world and was renamed “Visa.” Many of their credit cards offer rewards and some of the best credit card benefits, including the BankAmericard Travel Rewards® Credit Card.
Image Source: BankAmericard Travel Rewards® Credit Card
Key Factors That Led to Our Ranking of This as Offering the Best Credit Card Deals and Promotions
When creating the above credit card comparison chart and looking at the best credit card promotions, the following details highlight some reasons the BankAmericard Travel Rewards® Credit Card was included.
This card from Bank of America is one of the top travel rewards cards available. Regarding introductory credit card offers, new cardholders get the opportunity to earn 20,000 online bonus points if they make at least $1,000 in purchases in the first 90 days after opening the account.
That can add up to a $200 statement credit toward travel purchases. Cardholders can then use their card to book the trip they want, in the way they want, without being limited by the use of particular websites, blackout dates, or restrictions.
Points can be redeemed for a statement credit that can then be used to pay for flights, vacation packages, cruises, hotels, rental cars, or baggage fees.
The sign-up bonus for this card isn’t just generous in terms of bonus points earnings. It’s also excellent in terms of interest rate. This card includes a 0% introductory rate for 12 billing cycles.
After that point, that APR remains competitive.
Even beyond an introductory period, this credit card is also ranked well on many credit card comparison charts and credit card reviews because it has no foreign transaction fees, and the card never has an annual fee.
It’s a great card for travelers, as well as anyone who’s looking for a value-packed yet inexpensive option.
Along with the introductory bonus offer of gaining 20,000 online points for making at least $1,000 in purchases in the first 90 days, the BankAmericard Travel Rewards® Credit Card includes even more opportunities to earn bonuses.
For example, with this card, a customer can get an additional 10% customer points bonus on every purchase when they also have an active Bank of America checking or savings account.
For clients who are part of the Preferred Rewards program offered by Bank of America, that bonus can increase to anywhere from 25% to 75%. Ultimately, Bank of America rewards customers and cardholders for their loyalty, and it can all add up, which is an important reason they’re included on this list of the best credit card deals.
This card isn’t just excellent in terms of offering some of the best introductory credit card offers. It also has some of the best credit card benefits in general, and one of the best travel rewards programs. In fact, the BankAmericard Travel Rewards® Credit Card was named a “Best Travel Rewards credit card” in Kiplinger’s 2015 “Best List.”
Cardholders earn unlimited 1.5 points for every $1 they spend on all purchases, every time and everywhere. There’s no concern about particular spending categories, and many consumers rank this card well on credit card reviews and as they compare credit card offers because it’s a simple, straightforward travel rewards card.
There are no blackout dates or restrictions, and points don’t expire.
BB&T Bank has a history dating back to 1872, and services there include banking, lending, wealth management and insurance. The company, as of September 2016, is one of the largest financial services companies in the U.S. Based in Winston-Salem, N.C., BB&T has financial centers in 15 states as well as Washington, D.C., and is a Fortune 500 company.
Regarding credit card offers, BB&T’s BB&T Spectrum Rewards® Card was included on the above credit card comparison chart for providing some of the best credit card promotions. This leading bank also offers the BB&T Bright Card, with a low APR that makes it simple for consumers to spend less on interest.
Key Factors That Led to Our Ranking of This as One of the Best Credit Card Offers
The BB&T Spectrum Rewards® Card was included on this list of the best credit card promotions and best credit card perks for reasons listed below.
As consumers compare credit cards to find the best credit card deals, they’re often looking for introductory bonuses that make it worthwhile to open the card. The Spectrum Rewards card features just that.
After that, they earn 1% cash back on all net qualified purchases.
The flexible rewards program offered by the Spectrum Rewards® Card includes everything from gift cards to major retailers, to travel options. It’s a versatile and broad program that offers something for everyone.
When consumers begin looking at credit card reviews and they start to compare credit card offers, they find that many cards include introductory bonus offers, but what about after the introductory period?
Relevant to the selection of the credit card offers on the above credit card comparison chart was whether or not they provided opportunities for promotions and bonuses even after an initial introductory period.
This is an area where the BB&T Spectrum Rewards® Credit Card did well.
Along with the 3% cash back on purchases within the first 90 days, cardholders also earn a 5% anniversary bonus on the cash they earn using their card every year. Also, there is the opportunity to earn an additional 30% bonus on cash earned when the card is used for spending of at least $50,000 per year.
Image Source: BB&T Spectrum Rewards® Card
The BB&T Spectrum Rewards® Credit Card is an all-around great credit card, featuring some of the best deals on credit cards a consumer will find. In addition to bonus rewards earnings opportunities, there are also introductory pricing benefits included with this card.
For example, there is a 0% introductory APR for 12 months on both purchases and balance transfers.
After that period, the variable APR remains the lowest among any other credit cards. Right now, the variable APR is 10.40%-19.40%, which is significantly less than what’s offered with many other credit cards.
This card also carries no annual fee at any time.
In addition to the credit card offers included both in the introductory period and over the long-term with this card, it’s also just an all-around great card with many service benefits, flexibility in the rewards program, and security and protection features. Some of the account security features included with this card are:
- The card includes the Visa Zero Liability protection program to safeguard against fraudulent or unauthorized card use
- Visa Checkout is included, which makes online shopping and purchases even safer
- Warranty manager service and purchase security come with the card
- If the card is lost or stolen, cardholders can quickly receive a replacement card or emergency cash
- The card can be linked to an eligible BB&T checking account for overdraft protection
- The Spectrum Rewards® card is chip-enabled
Blue Cash Preferred® Card from American Express Review
American Express is a widely recognized and leading provider of some of the world’s top credit cards in categories including personal, small business, corporate, and prepaid cards. The company also offers payment, travel, and expense management solutions. American Express has nearly 118 million cards in force.
Regarding personal cards alone, American Express offers about 20 cards, including popular options like the Amex EveryDay® Credit Card and the Premier Rewards Gold Card from American Express. The Blue Cash Preferred® Card from American Express is a great everyday card that boasts some of the best credit card offers available.
Key Factors That Led to Our Ranking of This as One of the Best Credit Card Promotions and Offers
When consumers compare credit cards, the following are some reasons they would likely find this card to offer some of the best credit card perks and the best credit card benefits.
As well as standard introductory offers, the Blue Cash Preferred® Card from American Express often comes with limited time offers that add even more value to the card and make it a leader in many credit card reviews.
For example, right now up until the start of 2017, this card includes the opportunity to earn 10% back on Amazon.com purchases made on the card within the first six months of card membership. This includes purchases up to $200.
This means new cardholders can earn hundreds of dollars simply by shopping for the things they would normally buy on Amazon and using their Blue Cash Preferred® Card from American Express.
Cash Back Bonus
A big reason this card was selected for this credit card comparison of the best credit card deals and the best credit card perks is because of the multiple bonus options. There is the limited-time Amazon offer, but new cardholders also have the potential to earn an additional $250 cash back.
This is earned when a new cardholder spends $1,000 in purchases on the card within the first three months of having it. The cash back is received in the form of statement credits. This offer, combined with the current Amazon promotion, gives cardholders the opportunity to earn up to $450 within a short time of opening the account.
This card wasn’t just selected because of the unique opportunities to earn a significant amount of cash back. It was also selected for this list of credit card reviews because the credit card offers extend to the interest rate as well.
With this card from American Express, cardholders receive an introductory APR. It’s a 0% APR on not only purchases but also balance transfers for 12 months.
After that, the APR remains low, and it’s variable, based on the creditworthiness of the cardholder.
This card features some of the best credit card offers in terms of the cash back program as well. Details of the cash back program included with the Blue Cash Preferred® Card from American Express include:
- 6% cash back at U.S. supermarkets up to $6,000 per year in purchases (after that amount it goes to 1%). Cash back is received as Reward Dollars that can be redeemed as statement credit.
- 3% cash back is earned at gas stations in the U.S. and certain department stores.
- 1% cash back is earned on all other purchases.
Cash back is earned on eligible purchases, and cardholders have the option to carry a balance with interest or pay their bill in full each month.
SunTrust is a bank with operations throughout the U.S. and 1,400 retail branches. It’s one of the strongest and largest financial holding companies in the U.S., and in addition to some of the best credit card offers, SunTrust features services including deposit, credit, trust, and investment accounts.
Personal credit cards from SunTrust include cash back cards like the Prime Rewards Credit Card, which features three years at a prime interest rate on balance transfers. There’s also the Travel Rewards Card, with extensive cash back earning opportunities. In terms of the best overall credit card offers and the best deals on credit cards, the Cash Rewards Credit Card is included in this credit card comparison.
Image Source: SunTrust Cash Rewards Credit Card
Key Factors That Led to Our Ranking of This as One of the Best Credit Card Promotions
When comparing the best credit card benefits and the best credit card perks, the Cash Rewards card was included on this list of credit card reviews for the following reasons.
Intro Cash Back
The Cash Rewards Credit Card from SunTrust offers some of the best opportunities for consumers to earn cash back, making it not just one of the best credit card deals, but also an overall leader among credit cards in general.
However, for the purposes of comparing special credit card offers, the Cash Rewards card offers an outstanding cash back offer for the first 12 months.
Competitive Cash Back
Even after the initial introductory earning period where new cardholders can earn 5% cash back on up to $6,000 in gas and grocery purchases, this card still has some of the best credit card perks. This includes a competitive unlimited cash back opportunity that’s available not just for a certain period of time, but for as long as a cardholder has the account.
After the introductory bonus cash back limit is met, cardholders can earn 2% unlimited cash back when buying gas or groceries. Then, after that, they can earn 1% unlimited cash back on all other qualifying purchases.
The rewards program is flexible with the Cash Rewards Credit Card, and it includes hundreds of redemption options. These options range from cash back to gift cards and travel options.
Another aspect of this card that makes it one of the best credit card deals as consumers compare credit cards is the introductory 0% APR.
New account holders pay a 0.0% interest rate on not just purchases but also balance transfers for 15 months after they open the account. While many credit card offers include a 0% introductory APR rate, this Cash Rewards card is unique because it lasts for 15 months. This is longer than most of the other best deals on credit cards, including many of the cards on this list.
After that point, the interest rate remains competitive and is currently set at 10.49%-21.49%.
Cash Back Bonus
On top of all of the other best credit card promotions and best credit card benefits named in affiliation with the Cash Rewards card, there’s an additional bonus earnings opportunity: when a cardholder has a deposit relationship with SunTrust, they can benefit by earning more cash back.
This applies to customers who have eligible SunTrust Checking, Savings, or Money Market accounts and redeem their cash back directly into that account.
The cash back bonus rate can be 10%, 25%, or more, and it’s based on the amount of deposits and the overall relationship the cardholder has with the bank.
Chase Freedom UnlimitedSM Credit Card Review
Chase is one of the most well-known credit card companies in the world, and they feature some of the best deals on credit cards as well as some of the best credit card offers. In addition to credit cards, Chase offers business and payment solutions, consumer mortgages, home loans, investment services, and general banking.
Along with the Chase Freedom UnlimitedSM Credit Card, other popular credit cards from Chase include the Chase Slate® credit card, which is ideal for low-cost balance transfers, and the Chase Sapphire ReserveSM card with extensive bonus points earnings opportunities and travel benefits.
Key Factors That Led to Our Ranking of This as Having the Best Credit Card Deals
During the creation of this credit card comparison and credit card comparison chart, the following list highlights some of the reasons we included the Chase Freedom UnlimitedSM Credit Card.
When you start to compare credit cards, you may be surprised to discover that you can earn cash simply by using the card. For new cardholders with the Chase Freedom UnlimitedSM credit card, this is not only possible but also simple and straightforward.
The current new cardmember offer for this Chase card is the potential to earn a $150 bonus for spending only $500 in purchases during the first three months after opening the account.
This is one of the lowest spending thresholds to qualify for the cash back compared to other cards offering similar best deals on credit cards.
Cardholders can also earn a $25 bonus when adding their first authorized user to their account within the same three-month period.
This card from Chase features not only one of the best credit card promotions during an introductory period, but it’s a good all-around card for day-to-day use thanks to its simplicity and easy-to-understand rewards program.
Cardholders can earn an unlimited 1.5% cash back on every purchase. It’s automatic, and as compared to many other rewards cards, account holders don’t have to worry about making purchases in certain categories or going beyond rewards earnings limits.
The rewards can be redeemed for cash at any time and in any amount. Rewards also don’t expire as long as the account is open.
In addition to being a simple rewards program that doesn’t require complicated categories or spending restrictions, this card is also great because there is flexibility in how rewards are redeemed.
One option is to choose straight cash back, in the form of a statement credit or a direct deposit into most U.S. checking and savings accounts.
Another option is to link the card to an Amazon account and redeem cash back rewards to pay for Amazon orders at checkout.
Other options include gift cards and certificates, or cardholders can book their travel through Chase Ultimate Rewards.
This is another card on this list used to compare credit cards that includes a valuable introductory APR rate.
New cardholders not only get cash back bonuses, but they also get the advantage of a 0% APR for 15 months from account opening. This includes not only purchases but also balance transfers.
Fifteen months is a competitively long time to enjoy no interest, and this serves as a big perk for consumers when reading credit card reviews and conducting a credit card comparison.
Other perks that come with this card include Zero Liability and Purchase Protection, Price Protection, Extended Warranty, and Return Protection. All of these components give cardholders a sense of security and peace of mind with the Chase Freedom UnlimitedSM credit card.
Chase Sapphire Preferred® Credit Card Review
Chase is a financial services company that specializes not only in offering consumers access to some of the leading credit card offers and some of the best deals on credit cards, but also a full range of products and accounts that lead to the development of lifelong relationships. Chase serves almost half of all households in America.
Specific products and services include personal banking, mortgages, auto financing, small business loans and investment guidance. The Chase Sapphire Preferred® Credit Card is one of the company’s leading credit card offers featuring some of the best credit card benefits available.
Key Factors That Led to Our Ranking of This as Offering the Best Credit Card Perks
During the process to compare credit cards and, more specifically, compare credit card offers, the following reasons highlight why this card was selected as offering some of the best credit card promotions.
As a card ranked as offering some of the best credit card deals on this list of credit card reviews, the first thing to focus on is the new cardmember offer. With this offer, cardholders earn 50,000 bonus points after they spend $4,000 on purchases in the first three months after they open an account.
That totals a $625 possible dollar amount that can be redeemed for travel through Chase Ultimate Rewards.
Also available is the ability to earn 5,000 bonus points after adding a first authorized user to the account and also making the first purchase in the first three months after the account is opened.
For consumers searching for a premium card that offers top-of-the-line perks and some of the best credit card benefits, the Chase Sapphire Preferred® credit card is a great option. It features not only excellent introductory bonus point opportunities but also limited fees.
For example, cardholders pay no foreign transaction fees when they make purchases outside of the U.S.
Also, while this card does have an annual fee because of the high-level travel rewards it includes, as one of the introductory credit card offers, new cardholders pay no annual fee for the entire first year.
The Rewards program that comes along with the Chase Sapphire Preferred® credit card is top tier and excellent for people who frequently travel or dine out. The rewards program includes 2x points earnings on travel and dining at restaurants. Travel points can be earned on airfare purchases, hotels, and more.
It’s one point per dollar on all other purchases, and cardholders get 25% more value on their points when they redeem for travel purchases through Chase Ultimate Rewards. This can include airfare, hotels, car rentals and cruises, all booked through Chase Ultimate Rewards.
There is also a 1:1 points transfer, and this card was named as the “Best Credit Card for Flexible Travel Redemption<,” by Kiplinger’s Personal Finance.
Travel and Purchase Coverage
This card includes some of the best credit card benefits built directly in. These include:
- Trip cancellation/trip interruption insurance
- Auto rental collision damage waiver
- Baggage delay insurance
- Trip delay reimbursement
- Purchase protection for 120 days
- Price protection
- Extended warranty protection
FlexPerks® Travel Rewards Visa Signature® Card Review
The FlexPerks® Travel Rewards Visa Signature® Card is offered by U.S. Bank. U.S. Bank serves personal, small business, and commercial clients and offers a wide variety of credit card products. U.S. Bank is part of the U.S. Bancorp, which is the fifth-largest commercial bank in the U.S. There is a U.S. bank presence in 25 states through banking offices, and there are thousands of ATMs around the country.
The FlexPerks® Travel Rewards Visa Signature® Card is an excellent rewards card and made this list of credit card reviews because it features some of the best credit card deals and the best credit card promotions available.
Key Factors That Led to Our Ranking of This as Having the Best Credit Card Promotions
The following reasons highlight why this card was included on this credit card comparison chart and list of credit card reviews.
Bonus Signup Points
When ranking travel and rewards cards for this credit card comparison of the best credit card offers, bonus points or miles earnings were an important consideration. This particular card from U.S. Bank excels in this area.
When a new cardholder signs up for a FlexPerks® Travel Rewards Visa Signature® Card account, they can earn 20,000 enrollment FlexPoints after spending $2,000 in net purchases on the card within four months of opening the account.
The value of these points is excellent as well, so only 20,000 FlexPoints equals up to a $400 travel ticket.
Image Source: FlexPerks® Travel Rewards Visa Signature® Card
Fast Points Earnings
The problem with some rewards credit cards and credit card offers is that it can take a long time to accumulate enough points even to be able to redeem them for anything of value. This isn’t the case with the FlexPerks® Travel Rewards Visa Signature® Card, and this card offers the opportunity to earn points relatively quickly.
For example, cardholders get one FlexPoint per $1 spent on all eligible net purchases.
Then, for the categories consumers spend the most on, including gas stations, grocery stores, and cell phone providers, there are double FlexPoints offered. When a cardholder makes charitable donations, they earn trip FlexPoints. These rewards can then be redeemed not only for travel but also merchandise and gift cards.
Visa Signature Benefits
This card includes not only some of the best credit card promotions but also the best credit card benefits, which include Visa Signature Benefits.
Visa Signature Benefits that come with this card include:
- Concierge Service: This is available 24/7 to cardholders for travel planning, securing gifts and more.
- Luxury Hotel Collection: Cardholders get access to exclusive perks when staying at certain hotels around the world, including room upgrades and food and beverage vouchers.
- Visa Signature Food & Wine: This includes complimentary access to OpenTable reservations and dining offers and access to gourmet dining events.
- Visa Signature Travel: With this, cardholders can get packages, offers, and upgrades.
- Visa Signature Entertainment: This perk includes access to preferred seating, special entertainment ticket deals, and more.
With regard to fees and the cost of using the FlexPerks® Travel Rewards Visa Signature® Card, part of the suite of credit card offers included with this card is no annual fee for the first year. After the first 12 months, there is a fee, but it remains relatively low.
Also, there is no foreign transaction fee, which makes this card a great option for anyone who travels frequently.
Many cards may charge around a 3% foreign transaction fee simply for making purchases outside of the U.S., but that’s not the case with this particular card. The zero foreign transaction fee isn’t an introductory offer; it lasts for the entirety of the time a consumer has the card.
HSBC Platinum MasterCard® with Rewards Credit Card Review
The HSBC Platinum MasterCard® with Rewards credit card is one of the premier credit cards available from HSBC, a global leader among financial organizations. HSBC offers not just personal banking, borrowing, investment, retirement, and insurance solutions, but also a full suite of credit cards, many of which boast some of the best credit card promotions and the best credit card perks.
Image Source: HSBC Premier World MasterCard® credit card
Key Factors That Led to Our Ranking of This as Offering the Best Credit Card Promotions
In terms of the best credit card benefits and the best deals on credit cards, the following are some reasons this card is part of this credit card comparison.
Introductory Bonus Offers
When creating this credit card comparison chart and guide to compare credit card offers, it was important that the cards named offer not just promotional offers, but the best promotional offers. That is certainly the case with the HSBC Platinum MasterCard® with Rewards.
The current introductory offer available to new cardholders who open this account is 15,000 bonus rewards if a credit card customer spends $500 or more in new, net card purchases during the first three months of having the account.
This is unique among even many of the best credit card offers because it’s a relatively small spending threshold to get a significant number of rewards points.
Introductory APR and Fees
It’s not just the bonus rewards points that make this one of the best credit card deals on this comprehensive list of credit card reviews. It’s also the 0% introductory APR.
This introductory APR promotion is available on new purchases made on the card, as well as balance transfers. It’s available for the first 12 months after the new account is opened. After the introductory period, the APR remains competitively low.
Also, this card never has any foreign transaction fee, and there is no annual fee. Additional cards are available for family members at no extra charge.
Along with the 15,000 rewards points bonus available to new cardholders after spending $500, the HSBC’s Platinum MasterCard® with Rewards also features unlimited potential to earn points, and points never expire.
There are flexible redemption options available with this straightforward rewards program. For example, cardholders can redeem their points for 1% cash back, and they also have the option to choose gift cards, merchandise, and flights on the majority of major airlines.
The rewards program is simple yet valuable, so cardholders don’t have to worry about a complicated earnings process, and they can simply maximize how many rewards they can accumulate with their day-to-day spending.
Security and Coverage
The HSBC’s Platinum MasterCard® with Rewards was also included on this list of credit card reviews used to compare credit card offers because of its other features. This card includes some of the best credit card benefits, particularly regarding security and coverage.
For example, this card includes $0 liability and an online guarantee for fraudulent or unauthorized purchases. It also features Identity Theft Resolution Services if a cardholder does become a victim of identity theft.
The card features Roadside Assistance if the cardholder ever needs car assistance or towing, and Travel Assistance Services are available in the event a cardholder’s travel documents or luggage are lost or stolen.
PNC points® Visa® Credit Card Review
The PNC points® Visa® Credit Card is one of the most popular credit card options from PNC. PNC works with individuals, small businesses, corporations, and government groups to bring them the tools and resources they need for financial success. This bank has more than six million customers across the U.S., and they have won several awards, including for their Virtual Wallet platform.
With regard to credit cards, they’re generally grouped into a few main categories, which include cards for people whose priority is lower rates, rewards cards, cash back cards, and travel-centric rewards. The PNC points® Visa® Credit Card leads the way in terms of offering some of the best credit card promotions and best credit card perks.
Key Factors That Led to Our Ranking of This as Having the Best Credit Card Offers
When you start to compare credit cards, the following are some details that resulted in the inclusion of the PNC points® Visa® Credit Card on this list of credit card reviews of the best deals on credit cards.
The PNC points® Visa® Credit Card features an excellent introductory offer. When someone opens this account, they get a 0% Annual Percentage Rate on their purchases for the first 12 billing cycles after they open the account.
Also, for consumers searching for valuable balance transfer options, PNC points® Visa® Credit Card continues to excel. There is an introductory 0% APR on balance transfers for the first 12 billing cycles after the account is opened if the balance is transferred within the first 90 days after the account is opened.
Then, after the introductory period, the APR remains competitively low and is currently a minimum of 12.24% and a maximum of 22.24%.
In addition to featuring one of the best credit card promotions for new account holders, this card also features great bonus points earnings opportunities.
To begin, cardholders earn 4 points for every $1 in qualifying purchases. Then, the following represent opportunities to earn even more points:
- Cardholders can earn 25% bonus points for maintaining a Virtual Wallet from PNC, and meeting certain balance or direct deposit requirements.
- For maintaining a Performance Checking account or Virtual Wallet with Performance Spend, cardholders can earn $50 bonus points. Customers also have to meet minimum balance or direct deposit requirements.
- There’s the opportunity to earn 75% bonus points for cardholders who maintain a Performance Select Checking account or Virtual Wallet with Performance Select and also maintain a minimum balance or direct deposit requirement.
This card from PNC doesn’t just lead the market for having some of the best credit card offers for new account holders. It also features some of the best credit card benefits in general, including comprehensive online management tools.
Users can log onto the award-winning online PNC banking platform and manage every aspect of their card quickly and easily. They can do simple things like checking balances and APR, to more complex things such as viewing the past 13 months of transactions or searching for a particular transaction by date, description, or dollar amount.
Cardholders can also check their reward balances and easily redeem them online.
There was an understanding in the creation of this list of credit card reviews that to truly be used to compare credit cards that, yes, it was important to look at introductory credit card offers and promotions, but there needed to be more.
To be a great credit card, signup perks and bonuses are important, but so are the long-term features. This card has some of not only the best credit card promotions but also the best credit card benefits and the best credit card perks overall.
Some of these include:
- NO annual fee
- Valuable balance transfer options
- An expert U.S.-based customer service team available seven days a week
- Electronic bill payment
- PNC Security Assurance from credit or identity fraud
- Travel and emergency protection
VentureOne from Capital One Review
Capital One is a company known for offering some of the best credit card promotions and the best credit card perks, particularly when it comes to travel cards that earn miles. A Fortune 500 Company, Capital One is also one of the top 10 biggest banks in the country based on deposits.
Some of the most popular credit cards offered by Capital One include the Venture® Rewards, the Quicksilver® Rewards and the QuicksilverOne® Rewards, which have many of the best credit card perks offered by the other Capital One cards but are designed for average credit. With regard to offering the best credit card promotions and the best credit card deals, the VentureOne card is ranked on this list of credit card reviews.
Key Factors That Led to Our Ranking of This as One of the Best Credit Card Offers
Among credit card offers, the following are specific reasons why VentureOne was included on this list of credit card reviews.
Like many of the top credit card offers available from Capital One, the VentureOne is a travel card, and that’s what the introductory perks pertain to.
When a new customer signs up for a VentureOne card, they receive a one-time bonus of 20,000 miles for spending $1,000 on purchases in the first three months after opening the new account. That is equal to $200 in travel.
In addition to the introductory bonus miles, with this card, there are 1.25x miles earnings, which means 1.25 miles are earned for every dollar spent on purchases. 100 miles is equal to $1 in travel rewards for VentureOne customers.
Regarding the best credit card benefits, the VentureOne card excels in many ways. For one, this card has no annual fee. That’s not just an introductory benefit. Instead, there is never an annual fee.
When consumers compare credit card offers, they’ll also see the Venture One card has a 0% APR for the first 12 months after the account is opened. After that time, the variable APR is only 12.24%-22.24%, currently.
As well as offering excellent value when it comes to fees and charges for using the card, there are also regular special promotions outside of the bonus miles and 0% introductory APR. For example, right now through January 2017, new card customers can get 10% off thousands of hotels using HotelTonight.
Image Source: VentureOne from Capital One
Visa Signature Benefits
Among the best credit card perks and the best credit card benefits are those options included in the Visa Signature program, which is offered with this card. Visa Signature Benefits are designed to give cardholders an even richer, more valuable experience and help them save money and gain exclusive access to travel opportunities, events, and more.
For example, with Visa Signature Benefits, cardholders with the VentureOne, one of the best credit card offers on this list of credit card reviews, can gain complimentary upgrades and special savings opportunities at hotels, resorts, and spas when they use their card.
It also includes complimentary concierge service, the opportunity to get special access and preferred seating at sporting and golf events and concerts, and shopping discounts at top retailers.
Capital One Card Benefits
The best credit card benefits offered by Capital One come standard with the VentureOne card. These include the following:
- Access to fast and easy online banking
- Mobile and tablet apps
- 24/7 customer service
- Personalized email or text reminders to stay on top of account information and spending
- Fraud coverage and interactive alerts
- Personalized security alerts
- Constant account monitoring
- Access to the mobile Capital One Wallet featuring account balances, available credit, and tracking of rewards
- Second Look from Capital One, which is a service that automatically checks for duplicate charges
- Digitally enhanced transaction details
- Apple Pay Autopay
- No foreign transaction fees
Wells Fargo is one of the leading names in the personal banking and home mortgage industry, and they also have many credit card options designed to meet the needs of a wide variety of consumers. Whether a consumer is searching for a high-end credit card with extensive perks or a secured credit card to help them build their credit, Wells Fargo has well-rated products.
When looking at the best credit card offers, there are quite a few reasons the Wells Fargo Rewards® Card was included on this list of credit card reviews and the above credit card comparison chart.
Key Factors That Led to Our Ranking of This as Being One of the Best Credit Card Offers
Listed below are specifics of why the Wells Fargo Rewards® Card was included on this list of credit card reviews focusing on the best deals on credit cards currently available.
Wells Fargo recently announced the implementation of a new online-only promotion for new Wells Fargo Rewards® Card account holders who apply for and receive this card.
This card is great because, in addition to having one of the best credit card deals right now, the points program makes it fast and easy to earn points and flexible to redeem them.
Fees and APR
When most consumers start to compare credit cards and look for the best deals on credit cards, reward programs are important — but also essential are the fees and APR. Both of these are areas in which this card performs well.
First, there is no annual fee to use this card.
Then, there is a 0.00% introductory APR for 12 months. After that, the APR is competitive, variable, and based on creditworthiness.
The 0.00% APR applies not only to purchases for 12 months, but also to balance transfers, making this a great card to pay down those existing balances.
This card is eligible for the Wells Fargo Platinum Defense program. It’s protection against situations that can occur when people run circumstances that affect their ability to make their Wells Fargo credit card payment.
Some of the benefits a cardholder may be eligible for through Platinum Defense include:
- Monthly Recurring Benefits: With this, participants could receive a fixed Benefit Payment for up to 12 months if they’re eligible if they go through a situation of involuntary unemployment, disability, or hospitalization. If a cardholder takes a leave of absence, they may be eligible for a Benefit Payment for up to three months.
- One-Time Benefits: These are a one-time Benefit Payment that can be granted if the cardholder runs into an auto or pet expense.
- Loss of Life Benefits: If there is an event that leads to loss of life, the credit card balance as of the statement immediately following the date of death is credited to the cardholder’s account.
Flexible Rewards Program
As part of the best credit card benefits that come with the Wells Fargo Rewards® Card, there is the opportunity earn 5 points for each $1 spent on gas, grocery, and drugstore net purchases during the first six months. Then, 1 point is earned for every $1 spent on other net purchases made with the card.
When cardholders shop the Earn More Mall, they can earn extra points, and they have five years to use their points.
Once they do earn points, it’s flexible to redeem them. Cardholders can use their points for everything from travel to gift cards. When air travel is booked, there are no advanced booking, no minimum stays, and no required Saturday stays.
There are also cash redemptions available so that cardholders can have their card rewards applied to a qualifying Wells Fargo account or have a check written to them.
Conclusion — Top 12 Best Credit Card Offers and Best Credit Card Deals
The credit card industry is increasingly competitive, so as consumers compare credit cards, they’re not just looking for a card with the basics or one that has only low interest rates. They’re often looking at credit card reviews to compare credit card offers and find the very best deals on credit cards.
The best credit card offers can range from bonus rewards opportunities for opening an account to cash back simply for opening a new account or periods of low interest rates.
Most of the names on this list of the best credit card promotions feature not just one of the best credit card offers but several credit card offers compiled into one product, maximizing the value consumers receive.
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