Credit Card Reviews

Absolutely love this card. The sign-up bonus was easy to hit, and I've already redeemed points for a flight. Customer service is also top-notch.

If you want straightforward cash back without worrying about categories, this is it. 2% on everything is great. No annual fee is a huge plus.

The travel benefits are amazing – lounge access, credits, etc. But the annual fee is steep. Make sure you can maximize the perks to justify it.

The travel credit and Priority Pass access are game-changers. It pays for itself if you travel even a few times a year. The points are incredibly flexible. Highly recommend for frequent travelers.

I love the rotating 5% categories! It keeps things interesting and I've earned so much cash back on groceries and gas. The flat rate on everything else is a nice base too.

Perfect for my small business. The points on advertising and shipping are a huge bonus. It's made managing expenses so much simpler and the sign-up bonus was a great boost.

Needed to buy new furniture and the 0% intro APR period was a lifesaver. It gave me over a year to pay it off without any interest. Plus, I earned cash back on the purchase. Win-win!

As my first real credit card, this was a great choice. The application was easy, and it's helped me build a solid credit history. The cash back match in the first year is an awesome perk.

Been using this for two years and the points add up fast. The transfer partners give you so many redemption options. Worth every penny of the annual fee.

Never realized how much I'd appreciate airport lounges until I had access. The food credits and other perks easily offset the annual fee.

Earn 3x on restaurants and it really adds up when you eat out frequently. The points transfer well to airline partners.

Trip delay insurance saved me when my flight was cancelled. Rental car coverage is also excellent.

No categories to track, no rotating bonuses to activate. Just consistent cash back on all purchases.

No annual fee, great customer service, and easy expense tracking. This card helped me build my business credit and the cash back on advertising spend is a huge plus.

Helped me build credit history while in college. No annual fee was important on a student budget. The financial literacy tools helped me learn responsible credit use early.

After bankruptcy, this helped me establish positive payment history again. It reports to all three bureaus and my score improved steadily. Graduated to an unsecured card after 8 months.

Transferred high-interest debt and paid it off during the 0% APR promotional period. The simple online transfer process made it quick and easy.

It's great knowing that one late payment won't trigger a massive rate increase like other cards do. The customer service is also very understanding.

Been using this for two years and the points add up fast. The transfer partners give you so many redemption options. Worth every penny of the annual fee.

Got approved with a decent credit score and the welcome bonus covered my vacation flights. The earning structure is simple to understand.

Never realized how much I'd appreciate airport lounges until I had access. The food credits and other perks easily offset the annual fee.

Earn 3x on restaurants and it really adds up when you eat out frequently. The points transfer well to airline partners.

No foreign transaction fees saved me hundreds on my Europe trip. The travel insurance gave me peace of mind too.

The airline-specific benefits like free checked bags and priority boarding make this worthwhile. Companion pass is amazing.

Had fraudulent charges and they handled it immediately. Replaced my card overnight when I was traveling abroad.

Trip delay insurance saved me when my flight was cancelled. Rental car coverage is also excellent.

So many airline and hotel partners to choose from. Can always find good value redemptions.

Between the travel credits and statement credits, I actually come out ahead each year.

No categories to track, no rotating bonuses to activate. Just consistent cash back on all purchases.

5% on different categories each quarter keeps it interesting. Just remember to activate the bonus.

Getting solid cash back without paying a fee is exactly what I wanted. Perfect for my spending habits.

6% at supermarkets during my first year was incredible. Even after it drops, still better than most cards.

With gas prices so high, the 4% back at gas stations really helps my budget.

Unlike some cards where you wait forever, rewards show up in my account within days.

Amazon purchases earn extra cash back, and I shop there constantly. Easy money.

Utilities, phone, internet - everything earns cash back. Makes paying bills less painful.

No hoops to jump through. Cash appears as a statement credit automatically.

They caught suspicious activity before I even noticed. Very impressed with their security.

The expense tracking features save me hours during tax season. Rewards are just a bonus.

5% back at office stores adds up when you're buying supplies for the whole team.

Priority boarding and lounge access make work travel much more pleasant.

Having dedicated business credit helps keep my books organized. Accounting loves it.

High rewards on digital advertising helped offset our marketing costs significantly.

Can set limits for different employees and track their spending in real-time.

Being able to pay vendors directly through the card platform streamlines everything.

Purchase protection and extended warranty coverage for business equipment is valuable.

Extended payment terms help during slower months. Better than a business loan.

Dedicated business line with people who understand commercial needs.

Helped me build credit history while in college. No annual fee was important on a student budget.

Extra points on dining, streaming, and rideshares match my actual spending perfectly.

The financial literacy tools helped me learn responsible credit use early.

Got approved with limited credit history. They understand student financial situations.

Saved money during my semester overseas. Card worked everywhere internationally.

Extra rewards after graduation felt like a celebration gift for finishing school.

Easy to track spending and make payments from my phone. Very intuitive interface.

Autopay and payment reminders help me stay on top of my bill as a busy student.

Built my relationship with the bank and now qualify for their best cards.

When a merchant overcharged me, they resolved it quickly and fairly.

Centurion lounge access, hotel status, and concierge service make this worthwhile for frequent travelers.

Airline fee credits, streaming credits, and other reimbursements add up to significant value.

They've helped with dinner reservations, event tickets, and travel planning. Worth it alone.

Free breakfast, room upgrades, and late checkout save money and enhance travel.

Trip interruption, medical coverage, and lost luggage protection give complete peace of mind.

No waiting on hold. Dedicated premium cardholders get immediate attention.

Pre-sale tickets and member-only events are perks you can't get elsewhere.

$300 credit applies to almost any travel purchase, not just specific airlines.

Reimbursement for expedited security programs saves time and money.

Hotel booking perks like room upgrades and late checkout enhance every stay.

After bankruptcy, this helped me establish positive payment history again. Graduated to unsecured.

Credit score improved steadily over six months of responsible use.

$200 deposit gave me a decent credit limit to start rebuilding with.

Didn't want extra costs while rebuilding credit. This lets me focus on payments.

Credit monitoring and tips helped me understand what impacts my score.

After eight months, they converted it to an unsecured card automatically.

Representatives are helpful and non-judgmental about credit difficulties.

Even with secured card, got full protection against unauthorized charges.

Can deposit cash at ATMs to make payments immediately. Very convenient.

Added more to my deposit and got a higher limit to improve utilization ratio.

5% back at my favorite retailer adds up to significant savings throughout the year.

0% APR promotions for large purchases help with cash flow on big-ticket items.

Early access to sales and special discounts save more than the rewards sometimes.

Got instant approval at checkout. Much simpler than traditional credit applications.

Saves payment info and offers express checkout on the retailer's website.

Don't have to remember to redeem - certificates arrive automatically when earned.

Longer return windows for cardholders made returns much easier.

Extra rewards during special months feel like personalized perks.

Works seamlessly with Apple Pay and Google Pay for contactless shopping.

Can get help with the card at any store location, not just over the phone.

Transferred high-interest debt and paid it off during the promotional period.

18 months of 0% APR gave me time to pay down debt without additional interest.

3% fee was much less than continuing to pay 24% APR on my old card.

Online balance transfer tool made moving debt quick and easy.

Got approved for enough credit to consolidate multiple cards into one payment.

Could focus on principal reduction instead of fighting high interest charges.

No hidden fees or confusing promotional rate structures. Very transparent.

Set up autopay to ensure I never missed a payment during the promotional period.

Lower utilization across multiple cards helped boost my credit score significantly.

Online platform helped me track payoff progress and stay motivated.

Even after promotional rates end, the ongoing rate is much lower than competitors.

Late payment doesn't trigger a massive rate increase like other cards do.

When I need to finance something, the low rate keeps interest costs manageable.

One low rate for purchases, balance transfers, and cash advances. No confusion.

After a year of on-time payments, they lowered my rate even further.

Low interest plus no annual fee makes this perfect for my needs.

Even though it's focused on low rates, still earn modest cash back rewards.

Can see personalized rate offers before applying, which is very helpful.

Nice to know I have low-cost credit available if unexpected expenses arise.

Interest calculations are clearly shown, making it easy to understand costs.