Credit Cards
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Bankrate's promoted cards from our partners for January 2025
Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site. Terms Apply.
Tools & Reviews
We asked the Bankrate Experts: What is your favorite piece of credit card advice?
![Photo of Seychelle Thomas](https://www.bankrate.com/f/102997/774x534/c5494b83ac/seychelle-thomas.jpg?auto=webp&optimize=high&crop=3:2,smart)
Seychelle Thomas
Writer, Credit Cards
![Photo of Katie Kelton](https://www.bankrate.com/f/102997/774x534/01d1324f3b/katie-kelton.jpg?auto=webp&optimize=high&crop=3:2,smart)
Katie Kelton
Senior Writer, Credit Cards
![Photo of Ana Staples](https://www.bankrate.com/f/102997/774x534/b90aaa1c1c/ana-staples.jpg?auto=webp&optimize=high&crop=3:2,smart)
Ana Staples
Lead Writer, Credit Cards
![Photo of Ted Rossman](https://www.bankrate.com/f/102997/1096x731/e41ea769d2/ted-rossman-expert-stylistic.png?auto=webp&optimize=high&crop=3:2,smart)
Ted Rossman
Senior Industry Analyst, Credit Cards
"I know it’s a hassle, but reading the fine print is underrated. Know what fees, APRs and benefits you’re signing up for. You might uncover extra value from features that aren’t advertised or discover some nasty fees to avoid. When you know what the terms are, it’s easier to get the most from your cards and avoid pitfalls."
"Credit card rewards, welcome bonuses and added perks — like travel insurance or savings on certain brands — are essentially free money. By swiping a card for everyday purchases, you can earn rewards toward your next trip or cash in your wallet. Pay your balance on time and in full to avoid interest fees and credit dings."
"I think the best habit is to treat your credit card like a debit card. Don’t spend more money than you can easily pull from your checking account. If you can’t pay off a purchase within a couple of weeks, you can’t afford it. This practice can help you avoid credit card debt — and expensive interest charges."
"There’s a saying that credit cards are like power tools. As in, really useful or dangerous. It’s all about how you use them. Half of cardholders pay in full every month and benefit from rewards and buyer protections. The other half can get trapped in an expensive debt cycle. Pay in full and get credit cards working for you."
Featured by names you know and trust
![](https://www.bankrate.com/f/102997/145x22/daab3a4efe/usatoday.png?auto=webp&optimize=high)
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The latest
![Jogger using cell phone](https://www.bankrate.com/2021/04/14151113/Untitled-9.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about the unique benefits that Chase and Wells Fargo provide.
![An image of a Hawaiian Airlines airplane over a tropical background with a yellow circle design.](https://www.bankrate.com/brp/2024/04/24120309/Cards_Your_Guide_To_Hawaiian_Airlines_Dining_Rewards.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Dining for miles will have you dining in style with Hawaiian Airlines.
![HSBC bank branch](https://www.bankrate.com/2019/03/25155255/How-do-I-do-an-HSBC-balance-transfer.jpg?auto=webp&optimize=high&crop=1:1&width=356)
In this guide, we’ll cover what you need to know about HSBC balance transfers, how to transfer a balance to a new or existing HSBC card and some frequently asked questions.
![Person at gas pump](https://www.bankrate.com/2020/06/18152946/Untitled-2020-06-18T122901.111.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Find out everything you need to know about fleet fuel cards and their benefits.
![young woman studying](https://www.bankrate.com/2022/05/16110337/Can-you-pay-student-loans-with-a-credit-card.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You can pay for your student loans with a credit card, but you may have to get creative.
![Close up of diesel and petrol fuel pistols at a gas station. The fuel crisis continues and the cost of fuel is going up](https://www.bankrate.com/2011/06/28115520/GettyImages-1392574169.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Saving money on gas with credit cards isn’t as simple as it seems.
![latina woman using a credit card to pay at a store](https://www.bankrate.com/2022/04/07130925/Should-i-get-a-credit-card.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A credit card can be a good financial tool. When should you get one?
![Young African American businessman sipping fuel into his car tank at the gas station.](https://www.bankrate.com/2022/12/26091430/The-5-Best-Gas-Apps-of-2023-_-Bankrate-1.png?auto=webp&optimize=high&crop=1:1&width=356)
Choosing the best gas app can save you money at the pump.
![a group of friends studying at a university](https://www.bankrate.com/2022/02/23111329/Choosing-a-student-credit-card.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how to choose a credit card for college students and what to look for.
![Man using credit card while online](https://www.bankrate.com/2021/04/09161227/why-are-credit-card-APRs-so-high.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?
![woman looking at credit card and typing on computer](https://www.bankrate.com/2022/04/11181545/Discover-It-Cash-Back-vs-Citi-Diamond-Preferred-balance-transfer-comparison.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Need a balance transfer? Is Discover it Cash Back or Citi Diamond Preferred best?
![young woman looking at her credit card and working on her laptop](https://www.bankrate.com/2022/06/02165956/Capital-One-Quicksilver-vs-Discover-It-balance-transfer.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The Quicksilver vs. the Discover it Balance Transfer comes down to which card has the best rewards structure and intro APR offer.
![woman looking at card](https://www.bankrate.com/2022/03/15102341/zero-percent-apr-credit-cards-life-raft-debt-trap.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Cards that offer 0 percent intro APR can be excellent tools.
![man pumping gas](https://www.bankrate.com/2022/01/26121551/citi-rewards-plus-benefits-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Make the most out of your Citi Rewards+ using this benefits guide.
![design element of a man on a laptop](https://www.bankrate.com/2023/10/26101037/Cards-What-Credit-Score-Do-You-Need-For-A-0-percent-APR-Card.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out what credit score you need for a 0 percent intro APR credit card.
![a person making a contactless payment at an outdoor bar](https://www.bankrate.com/2022/04/05143816/Bank-americard-benefits-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
This guide outlines the major advantages this credit card has to offer.
![a young man at home holding a credit card and using a computer](https://www.bankrate.com/2022/04/01153435/My-credit-card-apr-increased-what-should-i-do.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s what you need to do if your credit card APR increases.
![close up of hands making contactless payment using phone](https://www.bankrate.com/2022/02/22115606/discover-rewards-program-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.
![woman looking at credit card and typing on computer](https://www.bankrate.com/2022/04/11181545/Discover-It-Cash-Back-vs-Citi-Diamond-Preferred-balance-transfer-comparison.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Need a balance transfer? Is Discover it Cash Back or Citi Diamond Preferred best?
![young woman looking at her credit card and working on her laptop](https://www.bankrate.com/2022/06/02165956/Capital-One-Quicksilver-vs-Discover-It-balance-transfer.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The Quicksilver vs. the Discover it Balance Transfer comes down to which card has the best rewards structure and intro APR offer.
![father and son on computer in living room](https://www.bankrate.com/2022/02/08122348/why-i-love-citi-diamond-preferred.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The Citi Diamond Preferred has an intro balance transfer offer and no annual fee.
![Woman holding a cell phone in one hand and a credit card in another.](https://www.bankrate.com/brp/2024/04/14165648/Cards-How-To-Do-A-Balance-Transfer-With-Capital-One.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You can transfer a balance to a Capital One card in a few easy steps.
![close up of hand holding credit card and typing on a digital tablet](https://www.bankrate.com/2022/01/02130625/Can-you-get-a-balance-transfer-card-with-bad-credit.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It can be difficult to qualify for a balance transfer card with bad credit.
![Senior couple sitting at a dining table, using a laptop computer, paperwork and bills on the table](https://www.bankrate.com/2021/03/05115641/Untitled-32.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
You can transfer a variety of debt to cards, but not all cards accept all transfers.
![Woman looking out over steps of historic building in Budapest](https://www.bankrate.com/2019/06/20153352/Untitled4.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
If you don’t travel enough to get a travel card, try a cash back card instead.
![man paying with credit card at the supermarket checkout](https://www.bankrate.com/2022/02/23162128/How-to-keep-earning-lots-of-points-beyond-a-card-welcome-bonus.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Credit card welcome bonuses are a great way to give your point balance a substantial boost.
![A middle-aged couple takes selfie in front of monument](https://www.bankrate.com/2021/09/20162258/Chase-Freedom-Flex_-Unique-travel-perks-for-a-cash-back-card.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
The Chase Freedom Flex credit card offers unique perks for any traveler.
![close up of hands making contactless payment using phone](https://www.bankrate.com/2022/02/22115606/discover-rewards-program-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.
![friends watching movie in living room](https://www.bankrate.com/2022/02/08135410/Current-bonus-categories-Chase-Discover-and-Citi.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn the current rotating cash back categories for Chase, Discover and Citi.
![A man using his phone to pay for drinks at the table in a British pub.](https://www.bankrate.com/2022/01/18132628/Discover-cash-back-calendar-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Make the most of your rotating Discover cash back rewards each quarter with this guide
![Young man at outdoor cafe smiles as he holds his tablet and credit card](https://www.bankrate.com/2021/09/23130051/Chase-Freedom-Flex-2021-bonus-categories.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Make the most of your cash back bonus categories this quarter.
![Female student using mobile phone while man walking up on steps in university](https://www.bankrate.com/2021/09/03122735/SavorOne-student-vs-Discover-it-Student.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how the SavorOne Student and Discover it Student Cash Back measure up for student spending.
![person looking at coinbase cryptocurrency app](https://www.bankrate.com/2022/06/08162328/crypto-rewards-credit-card.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Only you can decide if a crypto credit card is a good idea or not.
![front store of bofa](https://www.bankrate.com/2021/02/19170521/Untitled-35.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about Bank of America’s invite-only, tiered incentive program.
![man paying with credit card at the supermarket checkout](https://www.bankrate.com/2022/02/23162128/How-to-keep-earning-lots-of-points-beyond-a-card-welcome-bonus.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Credit card welcome bonuses are a great way to give your point balance a substantial boost.
![close up of hands making contactless payment using phone](https://www.bankrate.com/2022/02/22115606/discover-rewards-program-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.
![Father carrying young daughter on shoulders on beach at sunset](https://www.bankrate.com/2021/10/02162545/Chase-ultimate-rewards-guide-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn all about the Chase Ultimate Rewards and which credit cards earn points.
![Woman pumping gas](https://www.bankrate.com/2021/02/08101611/Untitled-81.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how to strategically get the most out of rewards credit cards
![Happy parents and their kids enjoying in the swimming pool.](https://www.bankrate.com/2023/08/08164719/6-reasons-i-prefer-cruises-when-i-travel-with-family1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s why I love cruises — and how I save on trip costs with credit card rewards.
![student working on his laptop](https://www.bankrate.com/2022/06/02113217/Is-the-Quicksilver-Student-credit-card-worth-it.jpg?auto=webp&optimize=high&crop=1:1&width=356)
This student card is best for students who want to build credit and earn rewards without ever carrying a balance.