Category: Credit Cards

You can call your credit card issuer and ask for a lower APR — and it works more often than people realize. Studies show that over 70% of cardholders who asked for a rate reduction received one. It takes one phone call. Here is how to do it effectively.

Why Credit Card Issuers Lower Rates

Credit card companies want to keep good customers. If you have been a reliable cardholder — making on-time payments, maintaining the account — they have an incentive to work with you rather than lose your business. The retention department especially has authority to offer rate reductions, fee waivers, and other concessions.

When You Are Most Likely to Succeed

Your leverage is strongest when:

• You have a good payment history with this card (12+ months of on-time payments)
• Your credit score has improved since you opened the account
• You carry a balance and the issuer stands to earn more by keeping you
• You have competing offers from other cards at lower rates
• You have been a long-term customer

If you have missed payments in the past 12 months, your leverage is lower — but it is still worth asking.

How to Prepare Before You Call

1. Know your current APR. Find it on your statement or in your account online.
2. Check competing offers. Look at what other cards are offering. If you have received a pre-approval for a card at 17% APR and yours is 24%, you have a specific number to reference.
3. Know your credit score. Pull your free credit report at AnnualCreditReport.com. If your score has improved significantly since you opened the account, mention it.
4. Know your payment history. Confirm you have made on-time payments. Issuers can verify this instantly.

What to Say When You Call

Call the number on the back of your card and ask for the retention or customer loyalty department. The standard script:

“Hi, I have been a customer for [X] years and I have always paid on time. I recently received offers from other cards with lower rates. I would like to stay with [issuer name], but I need a lower APR. Can you help me with that?”

Be polite, direct, and specific. Mention the competing rate if you have one. Ask for a specific number: “Can you bring my rate down to [X]%?”

What to Expect

The representative will either:

• Approve a rate reduction immediately (common for good customers)
• Offer a temporary rate reduction for 6-12 months
• Tell you they cannot reduce the rate right now

If the first rep declines, ask to speak with a supervisor or the retention department. A different rep often has more authority. If they still decline, call back another day — you may reach a rep with more flexibility.

Other Ways to Lower Your Effective Rate

If the direct negotiation does not work, consider these alternatives:

• Balance transfer card: Transfer your balance to a 0% APR card for 12-21 months. You pay a transfer fee of 3-5%, but interest savings usually far exceed that cost on any meaningful balance.
• Personal loan consolidation: If you have significant credit card debt, a personal loan at 10-14% APR is almost always cheaper than a credit card at 20-25%.
• Hardship programs: If you are in financial hardship, many issuers have formal hardship programs that temporarily reduce APR to 0-9.9% while you pay down the balance. These go on your credit history but can be a lifeline in a crisis.

Does Asking Hurt Your Credit Score?

No. Calling to request a rate reduction does not trigger a hard inquiry and does not affect your credit score. The issuer may review your account information internally, but this is a soft pull.

After You Succeed: Get It in Writing

When the rep confirms a rate reduction, ask them to send a confirmation email or look for the change reflected in your next statement. Document the date of the call, the representative’s name, and the new rate.

Bottom Line

Call, ask for retention, and state your case in one minute. Over 70% of people who ask get something. The worst outcome is a “no” — and you can try again in six months or pursue a balance transfer instead.

APR stands for annual percentage rate. It is the yearly cost of borrowing money, expressed as a percentage. When you carry a credit card balance, take out a personal loan, or finance a car, the APR determines how much extra you pay on top of what you borrowed.

APR vs. Interest Rate: What Is the Difference?

The interest rate is the base cost of borrowing. APR is broader — it includes the interest rate plus any fees charged to originate the loan. On a mortgage, for example, APR reflects the interest rate plus closing costs and origination fees. On a credit card, APR and the interest rate are usually the same number because credit cards do not typically have origination fees.

How APR Works on Credit Cards

Credit cards express APR as an annual rate, but interest accrues daily. If your card has a 22% APR, your daily periodic rate is 22% ÷ 365 = 0.0603% per day.

If you carry a $1,000 balance at 22% APR for one year, you pay approximately $220 in interest — assuming no additional purchases or payments. In practice, interest compounds, so the actual cost can be higher.

The best way to avoid credit card APR entirely: pay your full statement balance by the due date each month. When you pay in full, you owe zero interest regardless of your card’s APR.

Types of APR on Credit Cards

• Purchase APR: The rate applied to everyday purchases you carry as a balance. This is the rate most people see advertised.
• Balance transfer APR: The rate applied when you move debt from another card. Often lower than the purchase APR — some cards offer 0% for 12-21 months.
• Cash advance APR: The rate for cash withdrawals on a credit card. Usually the highest rate — 25% to 30% — and interest starts accruing immediately with no grace period.
• Penalty APR: A higher rate triggered by late payments. Can be as high as 29.99%. This is why paying on time matters.
• Introductory APR: A promotional rate (often 0%) for a set period — common with new card offers and balance transfer promotions.

What Is a Good APR for a Credit Card?

The average credit card APR in 2026 is around 20-22%. Cards for excellent credit (750+ score) often start at 15-17% variable. Cards for fair or bad credit can reach 25-30%+. Rewards cards tend to carry higher APRs in exchange for points and cash back benefits.

How APR Works on Loans

For installment loans — auto loans, personal loans, mortgages — APR includes:

• The stated interest rate
• Origination fees
• Points (mortgage-specific discount costs)
• Mortgage broker fees

Because APR rolls in these costs, a loan with a lower interest rate but high fees can have a higher APR than a loan with a slightly higher interest rate and no fees. When comparing loan offers, compare APR — not just the interest rate.

Variable vs. Fixed APR

Most credit cards have variable APRs tied to the prime rate. When the Federal Reserve raises rates, your card’s APR goes up. Fixed APR loans (like most mortgages and personal loans) lock your rate for the life of the loan. Fixed is predictable; variable can go down or up.

How to Lower Your APR

• Improve your credit score: A higher score qualifies you for lower-rate cards and loans.
• Call and ask: Credit card issuers sometimes grant rate reductions to customers with good payment history. Call customer service and ask directly.
• Transfer your balance: A 0% balance transfer card lets you pay down debt interest-free for 12-21 months. Watch for transfer fees (usually 3-5%).
• Shop around: Before taking any loan, compare offers from multiple lenders. Even a 1-2% APR difference on a $20,000 auto loan saves hundreds over the loan term.

Bottom Line

APR is the true annual cost of borrowing. On credit cards, you can avoid it entirely by paying in full each month. On loans, compare APR — not just interest rates — when shopping for the best deal. The lower your APR, the less you pay to borrow money.

Groceries are one of the largest household budget line items, and the right credit card can earn you 3–6% back on every trip to the supermarket. The best grocery credit cards pay a meaningful reward rate at U.S. supermarkets, have no annual fee or a fee that is easily offset by rewards, and do not make you jump through complicated category activation hoops.

Here are the best credit cards for groceries in 2026.

Best Credit Cards for Groceries 2026: Top Picks

Blue Cash Preferred from American Express — Best Overall for Grocery Rewards

The Blue Cash Preferred earns 6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%) — the highest flat grocery rate available on any consumer credit card. A household spending $500 per month on groceries earns $360 in cash back per year from that category alone, easily covering the $95 annual fee.

It also earns 6% on select U.S. streaming services, 3% on transit and U.S. gas stations, and 1% on all other purchases.

Sign-up bonus: $250 statement credit after spending $3,000 in the first 6 months
Annual fee: $95 (waived first year)
Best for: Households spending $300+ per month on groceries

Blue Cash Everyday from American Express — Best No-Annual-Fee Grocery Card

The no-fee version of the Blue Cash Preferred earns 3% cash back at U.S. supermarkets (on up to $6,000 per year), 3% at U.S. online retail purchases, and 3% at U.S. gas stations. It is a strong no-fee option for moderate grocery spenders who do not want to pay an annual fee.

Sign-up bonus: $200 statement credit after spending $2,000 in the first 6 months
Annual fee: $0
Best for: Grocery spenders who prefer no annual fee and want 3% back

Chase Freedom Flex — Best for Rotating 5% Grocery Quarters

The Chase Freedom Flex earns 5% cash back on rotating quarterly bonus categories (activated each quarter), which frequently include grocery stores. It earns 3% on dining and drugstores year-round, and 1% on all other purchases. There is no annual fee.

The 5% grocery category typically applies for one quarter per year. For the rest of the year, groceries earn 1%, which is lower than the Amex options. Best used in combination with another card for non-bonus-category spending.

Sign-up bonus: $200 after spending $500 in the first 3 months
Annual fee: $0
Best for: People who already have Chase cards and want to maximize the bonus quarter

Citi Custom Cash Card — Best for Automatic 5% on Top Spending Category

The Citi Custom Cash earns 5% cash back on your top eligible spending category each billing cycle (up to $500 in purchases per cycle, then 1%). Eligible categories include grocery stores. If groceries are consistently your largest monthly spend, this card automatically earns 5% without manual activation.

If another category beats groceries in a given month, the 5% shifts there automatically. This makes it more versatile than a dedicated grocery card.

Sign-up bonus: $200 cash back after spending $1,500 in the first 6 months
Annual fee: $0
Best for: People who want automatic 5% on whatever they spend the most on

Amazon Prime Visa — Best If You Shop at Whole Foods

Amazon Prime Visa earns 5% back at Amazon.com and Whole Foods Market (requires Prime membership). If Whole Foods is your primary grocery store, this card maximizes your grocery rewards without a category cap. It also earns 2% at restaurants, gas stations, and local transit.

Annual fee: $0 (requires Amazon Prime at $139/year)
Best for: Whole Foods shoppers with an existing Amazon Prime membership

What Counts as a Supermarket for Bonus Categories

This matters more than most cardholders realize. American Express defines “U.S. supermarkets” as traditional grocery stores — chains like Kroger, Safeway, Albertsons, Publix, and regional grocers. Warehouse clubs like Costco and Sam’s Club do not count. Superstores like Walmart and Target do not count, even though they sell groceries.

Chase Freedom Flex and Citi Custom Cash have similar restrictions — check each card’s terms to see which retailers qualify in the grocery category before you assume your regular store will earn bonus points.

How Much Can You Earn?

Here is what different grocery spending levels earn annually with the top cards:

Monthly Grocery Spend	Blue Cash Preferred (6%)	Blue Cash Everyday (3%)	Citi Custom Cash (5%)
$300/month	$216/year	$108/year	$180/year (capped)
$500/month	$360/year	$180/year	$300/year (capped)
$700/month	$504/year	$252/year	$300/year (capped at $500/cycle)

After the Blue Cash Preferred’s $6,000 annual cap ($500/month), grocery purchases drop to 1%. For households spending over $500/month, consider pairing with a second grocery card to capture purchases above the cap.

Pairing Cards for Maximum Grocery Rewards

The highest-earning grocery setup for most households:

• Primary card: Blue Cash Preferred — earns 6% up to $6,000/year ($500/month)
• Secondary card: Citi Custom Cash — earns 5% on the first $500/month if groceries exceed the Amex cap

This pairing covers most household grocery budgets at 5–6% without leaving money on the table above the Amex cap.

Things to Watch For

• Spending caps: Both the Blue Cash Preferred and Citi Custom Cash have monthly or annual caps on the bonus grocery rate. Plan your card usage around these limits.
• Annual fee math: The Blue Cash Preferred’s $95 fee is covered if you earn at least $95 in grocery rewards — that requires spending $1,584/year or about $132/month on groceries at 6%. Most households cross this threshold easily.
• Warehouse and supercenter exclusions: Costco, Sam’s Club, Walmart, and Target purchases typically do not qualify for grocery bonus rates on most cards.

Bottom Line

For most households, the Blue Cash Preferred from American Express is the best grocery card — 6% cash back is unmatched in this category and the $95 annual fee pays for itself quickly. If you prefer no annual fee, the Blue Cash Everyday at 3% or the Citi Custom Cash at 5% (with the monthly cap) are strong alternatives. Match the card to your spending level and which grocery stores you actually shop at to maximize your annual return.

Carrying high-interest credit card debt on a fair credit score puts you in a tough spot. The best balance transfer cards — the ones with 21-month 0% APR and no transfer fee — typically require good or excellent credit (670+). But if your score is in the 580–669 range, you still have options. They just come with shorter promotional periods and require more careful planning.

Here are the best balance transfer cards for fair credit in 2026, plus what to expect when you apply.

Best Balance Transfer Cards for Fair Credit 2026

Discover it Secured — Best for Rebuilding While Eliminating Debt

The Discover it Secured requires a minimum $200 security deposit and is designed for credit rebuilding. It does not advertise a balance transfer promotional rate as aggressively as unsecured cards, but Discover regularly offers promotional balance transfer rates to cardholders after a few months of on-time payments. More importantly, it graduates to an unsecured card — which means you get your deposit back and your credit improves.

Annual fee: $0
Regular APR: 28.24% variable
Balance transfer fee: 3%
Best for: People with scores below 620 who need to rebuild while managing existing debt

Capital One Platinum Credit Card — Best for Approval at Fair Credit

The Capital One Platinum is one of the most accessible unsecured cards for fair credit. It does not have a long 0% balance transfer period, but Capital One sometimes offers promotional rates at account opening. The card has no annual fee and has an automatic credit limit review after 6 months of on-time payments.

Annual fee: $0
Regular APR: 29.99% variable
Balance transfer APR: Varies by offer — check before applying
Best for: Fair credit borrowers who want an unsecured card with no annual fee

Citi Double Cash Card — Best If You Are at the Top of the Fair Credit Range

The Citi Double Cash requires a score of approximately 660–670 to qualify — the high end of fair credit. If you are in this range, it offers an 18-month 0% introductory APR on balance transfers (3% transfer fee), which is one of the longer promotional periods available. After the intro period, the variable APR applies.

Annual fee: $0
Balance transfer APR: 0% for 18 months, then 18.49–28.49% variable
Balance transfer fee: 3% (minimum $5)
Best for: Borrowers with scores of 660–669 who need a meaningful 0% window

BankAmericard Credit Card — Best for Longer 0% Window Near Good Credit Threshold

BankAmericard approves some applicants with scores in the 650–669 range, though approval is not guaranteed at lower scores. It offers an 18-month 0% APR on balance transfers with a 3% transfer fee. There is no annual fee and no penalty APR if you miss a payment.

Annual fee: $0
Balance transfer APR: 0% for 18 months, then 16.24–26.24% variable
Balance transfer fee: 3%
Best for: Borrowers approaching the good credit threshold who want a 0% window

What to Expect When Applying with Fair Credit

Lower Approval Odds for the Best Cards

The top-tier balance transfer cards (21-month 0% APR, no transfer fee) are reserved for borrowers with 720+ scores. With a score of 580–669, you will either be denied, approved with a short promotional period, or offered a higher ongoing APR after the promotional period ends. This does not mean the cards are worthless — a 12–18 month 0% window can still save hundreds of dollars in interest.

Carrying high-interest debt and looking for relief? A balance transfer card can help, but if you also need cash, BorrowMoney.us lets you compare personal loan offers that may carry lower rates than your current credit card balance.

Credit Limit May Be Low

Cards approved for fair credit typically start with low credit limits ($500–$2,000). This limits how much you can transfer. You may need to split a larger balance across multiple transfers or prioritize the highest-rate card first.

Transfer Fee Applies

Most balance transfer cards charge 3–5% to transfer the balance. On a $3,000 transfer at 3%, that is $90 upfront. This cost is almost always worth paying if you are avoiding 20%+ APR on the existing balance, but factor it into your payoff math.

How to Maximize a Balance Transfer at Fair Credit

Transfer the Highest-Rate Balance First

Prioritize transferring the card with the highest APR. If you have a store card at 28% and a regular card at 21%, transfer the store card balance first. The interest savings are proportional to the rate difference.

Make a Payoff Plan Before You Apply

Divide the transfer amount by the number of months in the promotional period. That is the minimum you need to pay each month to eliminate the balance before the regular APR kicks in. If a 12-month 0% card gives you room to pay $250/month on a $2,500 balance, that works. If the math does not fit your budget, a longer-term personal loan at a fixed rate may be a better option.

Do Not Charge New Purchases to the Transfer Card

New purchases on a balance transfer card typically accrue interest immediately at the regular APR, even during the 0% promo period. Keep the card strictly for the transferred balance while you pay it off.

When a Balance Transfer Is Not the Right Move

If you have been declined for balance transfer cards at fair credit, or if your score is below 600, consider these alternatives:

• Personal loan for debt consolidation: Lenders like Upstart and Avant work with borrowers in the 580–620 range. Fixed rates of 18–28% are still better than minimum payments on a 27% credit card.
• Credit union debt consolidation loan: Credit unions often have more flexible underwriting than online lenders and sometimes offer rates in the 12–18% range for members with fair credit.
• Nonprofit credit counseling: Nonprofit agencies like NFCC members can negotiate reduced interest rates directly with credit card issuers through a Debt Management Plan. No credit score required to enroll.

For a deeper look, read our full Avant personal loan review.

Bottom Line

Balance transfer cards for fair credit come with shorter promotional periods and sometimes lower credit limits, but they can still meaningfully reduce your interest burden. The Citi Double Cash and BankAmericard are the strongest options if your score is 650–669. Below that, a secured card that graduates to unsecured — or a personal loan from Upstart or a credit union — may be more accessible and accomplish the same goal: getting out of high-interest debt faster.

Related: Best Balance Transfer Cards for Fair Credit 2026

How to Maximize a Balance Transfer Card for Fair Credit

Getting approved for a balance transfer card with fair credit is only the first step. To actually eliminate your debt, you need a clear repayment plan before the promotional period ends. Start by dividing your total transferred balance by the number of months in the intro period. That number is your required monthly payment to pay off the balance at 0 percent APR. If that amount exceeds your budget, consider making extra payments whenever possible rather than just paying the minimum.

Avoid using the new card for purchases while you carry a balance from the transfer. Most cards apply payments to the lowest-interest balance first, which means new purchases could sit at the standard APR and accrue interest the entire time. Keep the card dedicated to the transferred debt only.

Set up automatic payments for at least the minimum due each month. A single missed payment on many balance transfer cards will trigger the end of the promotional rate, and you could face the full ongoing APR retroactively. Automating payments protects you from accidental slippage.

What Happens When the Intro Period Ends

When the 0 percent or low intro APR period expires, the remaining balance begins accruing interest at the card’s standard rate. For fair credit cardholders, that ongoing APR is typically higher than what borrowers with excellent credit would see. This is why it is critical to either pay off the full balance before the period ends or have a plan in place.

If you still have a remaining balance when the promotional window closes, you have a few options. You can continue paying it down at the standard rate, apply for another balance transfer if your credit has improved, or explore a fixed-rate personal loan to lock in a predictable monthly payment. Personal loan rates are often lower than ongoing credit card APRs, making them a viable exit strategy for any leftover debt.

Disclosure: This article contains affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.

The right business credit card does more than just pay for expenses. It earns rewards on what you spend, separates your personal and business finances, and builds your business credit history. For small business owners, it is one of the most useful financial tools available.

We compared the top business credit cards available in 2026. Here are the best picks for different types of small business owners.

Rates and offers as of May 2026.

Best Business Credit Cards 2026 at a Glance

Card	Best For	Annual Fee	Top Reward Rate	Welcome Bonus Value
Chase Ink Business Cash	Office and internet spending	$0	5% on office supplies and internet	~$750 cash back
Chase Ink Business Preferred	Travel and advertising	$95	3x on travel, shipping, advertising	~$1,000 in travel
Amex Blue Business Plus	Simple 2x on everything	$0	2x Membership Rewards points	~$300 in rewards
Capital One Spark Cash Plus	High-volume cash back	$150	2% cash back unlimited	Up to $2,000 cash back
Amex Business Gold	Flexible category leaders	$375	4x on top 2 spending categories	~$1,000 in rewards
Chase Ink Business Unlimited	Flat 1.5% everywhere	$0	1.5% on all purchases	~$750 cash back
Bank of America Business Advantage	Existing BofA customers	$0	3% on your choice category	$300 after $3,000 spend

1. Chase Ink Business Cash Credit Card

The Chase Ink Business Cash is the best no-annual-fee business card available. It pays 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services. You also earn 2% at gas stations and restaurants (up to $25,000 per year) and 1% everywhere else.

The welcome bonus is among the strongest for a no-fee card: $750 cash back after $6,000 in spending in the first three months. That bonus alone is worth the card for most business owners.

If you already have a Chase Sapphire or Ink Preferred card, you can combine points for higher value on travel redemptions.

Pros: 5% on office and internet. No annual fee. Excellent welcome bonus. Employee cards at no cost.

Cons: 5% and 2% categories are capped at $25,000 per year. 3% foreign transaction fee.

Best for: Small businesses that spend on internet, office supplies, and telecom.

2. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred is one of the best overall business travel cards. It earns 3x points on the first $150,000 in combined purchases per year across travel, shipping, internet and cable services, and advertising purchases made with social media sites and search engines. That covers a wide range of what most businesses spend on.

Points are worth 1.25 cents each through Chase Travel and transfer to over a dozen airline and hotel partners. The $95 annual fee is easy to justify given the welcome bonus and ongoing earning rates.

Pros: 3x on major business categories. Flexible points with travel transfer partners. Cell phone protection. $95 fee is reasonable.

Cons: 3x cap at $150,000 per year. Best value requires using Chase’s travel ecosystem.

Best for: Businesses that travel and spend heavily on marketing and shipping.

3. American Express Blue Business Plus Credit Card

The Amex Blue Business Plus is one of the simplest and most rewarding no-annual-fee business cards. It earns 2x Membership Rewards points on all purchases up to $50,000 per year, then 1x. There are no categories to track.

Membership Rewards points transfer to over 20 airline and hotel partners, giving them strong redemption potential. For a no-fee card, the value here is hard to beat.

Pros: 2x on everything (up to $50K). Strong transfer partners. No annual fee. Good for straightforward businesses.

Cons: Spending cap at $50,000 per year at the 2x rate. Amex not accepted everywhere internationally.

Best for: Small businesses that want simple, consistent rewards without category management.

4. Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a charge card (not a credit card — you must pay the balance in full each month) that offers unlimited 2% cash back on every purchase. No cap. No categories. If you have a high-volume business, the uncapped 2% can add up to significant earnings.

The welcome bonus is also structured uniquely: you earn $500 after spending $5,000 in the first three months, and another $500 after spending $50,000 in the first six months. The $150 annual fee is refunded if you spend $150,000 or more in a calendar year.

Pros: Unlimited 2% cash back. No spending cap. Annual fee waived at $150,000 in spend.

Cons: Must pay in full each month (charge card). $150 annual fee unless you hit the spend threshold. No travel transfer partners.

Best for: High-spending businesses that want consistent, unlimited cash back.

5. American Express Business Gold Card

The Amex Business Gold is a smart card for businesses with varied spending patterns. It automatically earns 4x Membership Rewards points on your two highest spending categories each billing cycle from a list that includes airfare, advertising, technology, dining, shipping, and more. The 4x rate applies to the first $150,000 in combined purchases across those two categories per year.

The $375 annual fee is significant, but the 4x rate on your actual spending — not categories you have to pre-choose — makes it highly efficient for most businesses.

Pros: Automatic 4x on your top 2 categories. Strong Membership Rewards transfer partners. Flexible category coverage.

Cons: $375 annual fee. Must be paid in full each billing cycle (technically a charge card). Amex acceptance gaps.

Best for: Growing businesses with shifting spending patterns who want to maximize rewards automatically.

6. Chase Ink Business Unlimited Credit Card

The Chase Ink Business Unlimited is the simplest card in the Ink lineup. It earns a flat 1.5% cash back on all purchases with no annual fee and no categories. If you combine it with the Ink Business Preferred or a Sapphire card, the cash back converts to Chase Ultimate Rewards points at better rates.

The $750 welcome bonus after $6,000 in spending is the same as the Ink Cash, making the welcome bonus the primary draw for most new cardholders.

Pros: Simple 1.5% everywhere. No annual fee. Excellent welcome bonus. Pairs well with other Chase cards.

Cons: Lower base rate than Blue Business Plus or Spark Cash. 3% foreign transaction fee.

Best for: Businesses that want a simple no-fee backup card or already use Chase Ultimate Rewards.

Why Business Credit Cards Matter

Mixing personal and business expenses is a common mistake among new business owners. It creates accounting headaches, complicates tax preparation, and weakens your personal liability protection if you operate as an LLC or corporation.

A dedicated business credit card solves these problems and adds value:

• Clean separation of personal and business expenses
• Simplified tax prep (all deductible expenses in one place)
• Building business credit history separate from personal credit
• Employee cards with individual spending limits and controls
• Higher credit limits than personal cards
• Rewards on business spending that can fund more business expenses

How Business Credit Cards Affect Your Personal Credit

Most business credit card applications require a personal guarantee and a personal credit check. A few cards (notably some American Express and Brex options) do not report to personal credit bureaus. Most do report to business bureaus like Dun & Bradstreet.

Check the terms of each card to understand its reporting practices before applying.

Frequently Asked Questions

Do I need an LLC or corporation to get a business credit card?

No. Sole proprietors can apply using their Social Security Number in place of an EIN. Many small business owners and freelancers qualify based on their personal credit and business income.

What credit score do I need for a business credit card?

Most business credit cards require a personal credit score of 680 or higher. Premium cards like the Amex Business Gold or Chase Ink Preferred typically prefer scores above 700.

Can employees get cards on my account?

Yes. Most business cards offer employee cards (also called authorized user cards) at no additional cost. You can often set individual spending limits for each employee.

How are business credit cards taxed?

The rewards you earn on business purchases are generally not considered taxable income. However, if you redeem rewards for cash or statement credits on deductible business expenses, it may reduce the deductible amount. Consult a CPA for specifics.

What is the difference between a business credit card and a charge card?

A credit card lets you carry a balance and pay interest. A charge card requires you to pay the balance in full each month. Cards like the Amex Business Gold and Capital One Spark Cash Plus are charge cards. Missing a payment on a charge card triggers a late fee and could affect your account status.

Disclosure: This article contains affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.

The right travel credit card can save you hundreds or thousands of dollars every year. Free flights, free hotel nights, lounge access, and travel credits add up fast. But with so many cards competing for your attention, picking the right one can feel overwhelming.

We broke it down. Here are the best travel credit cards for 2026, organized by type of traveler.

Rates and offers as of May 2026.

Best Travel Credit Cards 2026 at a Glance

Card	Best For	Annual Fee	Welcome Bonus Value	Key Perk
Chase Sapphire Preferred	Best overall	$95	~$750 in travel	Strong transfer partners
Capital One Venture X	Premium travel	$395	~$750 in travel	$300 travel credit + lounge
Amex Gold	Foodies who travel	$250	~$800 in travel	4x at restaurants and groceries
Chase Sapphire Reserve	Frequent flyers	$550	~$900 in travel	$300 travel credit + Priority Pass
Capital One Venture	Simple miles	$95	~$500 in travel	2x miles on everything
Bilt Mastercard	Renters	$0	None	Earn points on rent payments
United Explorer	United flyers	$95	~$600 in miles	Free checked bag + priority boarding

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred is the most recommended travel card for most people. It earns 5x on Chase Travel, 3x on dining, 3x on select streaming services, 2x on other travel, and 1x everywhere else.

Points are worth 1.25 cents each when redeemed through Chase Travel. You can also transfer to over a dozen airline and hotel partners at a 1:1 ratio. Those transfers can push the value even higher.

The $95 annual fee is easy to justify. You get a $50 annual hotel credit through Chase Travel, a 10% anniversary point bonus, and strong travel protections including trip cancellation insurance and primary rental car coverage.

Pros: Excellent transfer partners. Strong earning rates. Reasonable $95 fee. Primary auto rental coverage.

Cons: No airport lounge access. Points are most valuable through Chase’s ecosystem.

Best for: Travelers who want flexible points and are not yet ready for a premium card.

2. Capital One Venture X Rewards Credit Card

The Capital One Venture X offers a premium travel experience at a lower annual fee than the Chase Sapphire Reserve or Amex Platinum. The $395 annual fee is more than offset by the $300 annual travel credit and 10,000 bonus miles on your account anniversary (worth $100).

You get unlimited access to Capital One Lounges, Priority Pass Select lounges, and Plaza Premium lounges. The card earns 10x miles on hotels and car rentals booked through Capital One Travel, 5x on flights, and 2x on everything else.

Pros: $300 travel credit effectively reduces fee to $95. Lounge access. Strong earning rates. 2x on all purchases.

Cons: Transfer partners are good but fewer than Chase or Amex. Best value requires booking through Capital One Travel.

Best for: Travelers who want premium perks without the steepest annual fees.

3. American Express Gold Card

The Amex Gold is a powerhouse for people who spend heavily on dining and groceries. It earns 4x points at restaurants worldwide, 4x at U.S. supermarkets (up to $25,000 per year), 3x on flights, and 1x on everything else.

The $250 annual fee is offset by $120 in dining credits (at eligible restaurants) and $120 in Uber Cash annually. Amex Membership Rewards points are among the most flexible in the industry, transferring to 20+ airline and hotel partners.

Pros: Best earn rate for foodies. Exceptional transfer partners. Strong dining and Uber credits.

Cons: $250 annual fee. Credits require enrollment and specific spending. Amex not accepted everywhere internationally.

Best for: Heavy restaurant and grocery spenders who also travel.

4. Chase Sapphire Reserve

The Chase Sapphire Reserve is a premium card for frequent travelers. The $550 annual fee sounds steep, but the $300 annual travel credit brings your effective cost down to $250. You also get Priority Pass Select airport lounge membership, Global Entry or TSA PreCheck credit, and exceptional travel protections.

Points are worth 1.5 cents each through Chase Travel, and transfer partners are the same strong lineup as the Sapphire Preferred. If you travel enough to use the lounges and credits, the Reserve outperforms most premium cards.

Pros: $300 flexible travel credit. Priority Pass lounge access. Points worth 1.5 cents each. Top-tier travel insurance.

Cons: $550 annual fee requires active use of credits to justify. High income requirements for approval.

Best for: Frequent travelers who fly often and want premium lounge access.

5. Capital One Venture Rewards Card

The Capital One Venture is the simpler sibling to the Venture X. It earns 5x miles on hotels and car rentals booked through Capital One Travel and 2x miles on everything else. Miles are worth 1 cent each when used as statement credits against travel purchases.

The $95 annual fee and flexible redemption options make it approachable for casual travelers who do not want to deal with transfer partners or complex redemptions.

Pros: Simple earning structure. Flexible redemption. Travel protections included. $95 fee.

Cons: Points worth less than Chase or Amex through transfers. Fewer premium perks than the Venture X.

Best for: Casual travelers who want straightforward miles without complexity.

6. Bilt Mastercard

The Bilt Mastercard is the only card that lets you earn points on rent payments with no transaction fees. If you pay rent, that is often your biggest monthly expense. Earning points on it is a major advantage.

You earn 3x on dining, 2x on travel, and 1x on rent. Bilt points transfer to over a dozen airline and hotel partners at a 1:1 ratio. There is no annual fee, though you must make at least five transactions per statement period to earn points.

Pros: No annual fee. Earn points on rent. Strong transfer partners for a free card.

Cons: No welcome bonus. Must use the card 5+ times per month to earn points on rent. Lower earn rates than dedicated travel cards.

Best for: Renters who want to turn their biggest expense into travel rewards.

7. United Explorer Card

If you fly United Airlines regularly, the United Explorer delivers targeted perks worth far more than its $95 annual fee. You get a free first checked bag (worth $35 each way), priority boarding, and two United Club passes per year.

You earn 2x miles on United purchases, hotels, and dining, plus 1x on everything else. The welcome bonus alone can cover multiple round-trip flights.

Pros: Free checked bag saves $70 per round trip. Two lounge passes per year. Solid welcome bonus.

Cons: Miles locked to United ecosystem. Less value if you fly other airlines.

Best for: Regular United flyers who check bags and want some lounge access.

How to Maximize Travel Credit Card Value

• Always book travel through the card’s travel portal to earn the highest category rate.
• Use transfer partners for premium cabin redemptions — this is where point value explodes.
• Set up automatic payments for your annual credits so you do not forget to use them.
• Combine cards strategically. For example, use the Amex Gold for dining and groceries and the Sapphire Preferred for travel purchases.

Frequently Asked Questions

What is the best travel credit card for beginners?

The Chase Sapphire Preferred is the top choice for beginners. It has a manageable $95 annual fee, a strong welcome bonus, and excellent transfer partners without overwhelming complexity.

Are travel credit cards worth the annual fee?

Yes, if you travel at least a few times per year. Cards like the Sapphire Preferred offer $50 in annual hotel credits and strong earn rates that quickly surpass the $95 fee. Premium cards like the Venture X offset their higher fees with travel credits.

What are credit card transfer partners?

Transfer partners are airlines and hotels that accept your credit card points at a 1:1 ratio. Instead of using points through the card portal, you transfer them to, say, United Airlines and book award flights. This often delivers higher value per point.

Can I use a travel credit card if I only travel once a year?

Yes, especially if you pick one with credits and perks you can use on non-travel spending. A card like the Amex Gold earns heavily on dining and groceries year-round, not just when you travel.

What is Priority Pass?

Priority Pass is a network of over 1,300 airport lounges worldwide. Several premium travel cards include Priority Pass Select membership, which gives you free lounge access on travel days regardless of which airline you are flying.

Related: Best Hotel Credit Cards 2026.

Disclosure: This article contains affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.

If you are carrying credit card debt at a high interest rate, a balance transfer card could save you hundreds of dollars. These cards offer 0% APR for a set period. That means every dollar you pay goes toward the principal, not the interest.

We compared the best balance transfer credit cards available in 2026. Here is what you need to know.

Offers current as of May 2026. APRs and promotional periods are subject to change.

Best Balance Transfer Credit Cards 2026 at a Glance

Card	0% APR Period	Transfer Fee	Annual Fee	Regular APR
Wells Fargo Reflect	21 months	3% (min $5)	$0	18.24% – 29.99%
Citi Simplicity	21 months	3% (min $5)	$0	19.24% – 29.99%
Citi Diamond Preferred	21 months	3% (min $5)	$0	18.24% – 28.99%
Chase Slate Edge	18 months	3% intro, then 5%	$0	20.49% – 29.24%
Discover it Balance Transfer	18 months	3% (min $5)	$0	17.24% – 28.24%
BankAmericard	18 billing cycles	3% (min $10)	$0	16.24% – 26.24%

1. Wells Fargo Reflect Card

The Wells Fargo Reflect holds the top spot for balance transfers because of its 21-month 0% APR period. That is one of the longest available anywhere. You have nearly two full years to pay down your transferred balance without paying a cent in interest.

The 3% transfer fee applies (minimum $5), but on a $5,000 balance that is just $150. Compare that to paying 22% APR interest for two years and you will see why this deal is so strong.

Pros: Longest 0% APR on the market. No annual fee. Cell phone protection included.

Cons: Transfer must be completed within 120 days of opening. No rewards program.

Best for: Anyone with a large credit card balance who needs maximum time to pay it off.

2. Citi Simplicity Card

The Citi Simplicity ties with the Wells Fargo Reflect for the longest 0% intro period at 21 months. The big differentiator is in its name: it is simple. There are no late fees, no penalty rate, and no annual fee.

If you are worried about missing a payment once in a while, the Citi Simplicity removes that stress. Your rate will not spike if you are late.

Pros: 21 months at 0%. No late fees. No annual fee. No penalty APR.

Cons: No rewards program. 3% transfer fee still applies.

Best for: People who want maximum grace and leniency while paying off debt.

3. Citi Diamond Preferred Card

The Citi Diamond Preferred matches the Simplicity at 21 months but adds 24/7 customer service and Citi Entertainment access. The rewards and perks are minimal, but the core balance transfer offer is excellent.

If you already have a Citi relationship or want the same long intro period as the Simplicity with a slightly different card look, this is a solid choice.

Pros: 21 months 0% APR. No annual fee. Good customer service reputation.

Cons: No rewards. Same 3% transfer fee.

Best for: Existing Citi customers or people who prefer Citi’s service.

4. Chase Slate Edge

The Chase Slate Edge offers 18 months at 0% APR and a unique perk: if you pay on time and spend at least $1,000 in the first year, Chase will automatically consider you for a credit limit increase at 12 months and reduce your purchase APR by 2% each year (down to a minimum of 9.99%).

The transfer fee is 3% during the first 60 days. After that it rises to 5%. Transfer your balance within 60 days of opening for the lower rate.

Pros: APR reduction benefit over time. Potential credit limit increase. Solid 18-month intro period.

Cons: Transfer fee jumps to 5% after 60 days. No rewards. Shorter than the Citi and Wells Fargo options.

Best for: People who want a long-term relationship with the card after paying off their balance.

5. Discover it Balance Transfer

The Discover it Balance Transfer stands out because it combines a solid 18-month 0% intro period with an actual rewards program. After the intro period, you earn 5% cash back on rotating quarterly categories and 1% everywhere else. Discover also matches all cash back earned in your first year.

This card lets you transition smoothly from debt repayment to rewards earning without needing to open a new card.

Pros: 18 months 0% APR. Earns rewards after intro period. Cashback Match first year. No annual fee.

Cons: Discover not accepted as widely as Visa or Mastercard internationally. Rotating categories require opt-in.

Best for: People who want a rewards card after they finish paying off their balance.

6. BankAmericard Credit Card

The BankAmericard offers 18 billing cycles at 0% intro APR with one of the lower standard APRs after the intro period ends (as low as 16.24%). For people who may carry a small remaining balance, the lower ongoing rate saves money.

There is no annual fee and no rewards program. It is a pure balance transfer tool.

Pros: Low ongoing APR after intro period ends. No annual fee. Simple terms.

Cons: No rewards. 3% transfer fee. Minimum $10 on transfers.

Best for: People who may need extra time beyond the intro period and want a lower long-term rate.

How a Balance Transfer Works

Here is the basic process step by step:

1. Apply for and get approved for a balance transfer card.
2. Provide your old card’s account number and the amount you want to transfer.
3. The new card issuer pays off the old card directly. This usually takes 7 to 14 business days.
4. Keep making minimum payments on the old card until you confirm the transfer went through.
5. Pay down the transferred balance on the new card before the 0% period ends.

How Much Can a Balance Transfer Save You?

Balance	Monthly Payment	At 22% APR (36 months)	With 0% for 21 months	Savings
$3,000	$150	$1,046 in interest	$90 transfer fee only	~$956
$5,000	$200	$2,174 in interest	$150 transfer fee only	~$2,024
$8,000	$300	$3,742 in interest	$240 transfer fee only	~$3,502

Balance Transfer Pitfalls to Avoid

• Missing the transfer window: Most cards require you to transfer within 60 to 120 days of opening to get the intro rate. Do it immediately after your card arrives.
• Continuing to use the old card: Close it or lock it away. Running up new charges defeats the purpose.
• Missing a payment: Some cards will cancel the intro rate if you miss a payment. Set up autopay.
• Not paying off the full balance before the intro period ends: Whatever is left gets hit with the regular APR. Make a payoff plan on day one.

Frequently Asked Questions

What credit score do I need for a balance transfer card?

Most balance transfer cards require good to excellent credit, meaning a score of 670 or higher. The best offers (21-month 0% APR) typically go to applicants with scores above 700.

Does a balance transfer hurt your credit score?

The application creates a hard inquiry, which may temporarily lower your score by a few points. Opening a new account also affects your average account age. But the lower utilization from paying down debt can improve your score over time.

Can I transfer a balance from one card to another from the same bank?

No. Most banks will not allow you to transfer a balance between two cards they both issue. For example, you cannot transfer from one Chase card to another Chase card.

What happens when the 0% period ends?

Any remaining balance will start accruing interest at the regular APR, which can range from 18% to 30%. Pay off as much as possible before the intro period ends.

Is the balance transfer fee worth it?

Almost always yes. A 3% fee on a $5,000 balance is $150. Compare that to months of interest at 22% APR, which can add up to thousands of dollars. The math strongly favors the transfer.

Related: Best 0% Apr Credit Cards For Purchases