Hot Deals: Latest Credit Card Offers
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Signing up for a new credit card is easy. Choosing the right one - the one that fits your spending habits - is the challenge. The experts at CreditDonkey are here to help you find the right choice, starting with the best deals from our partners.
The 12 credit card deals worth mentioning on CreditDonkey for January 2017 are:
Cash Back Rewards
Go for these cards if: You like the simplicity of cash back credit cards and don't want the complexity of points and miles programs of other rewards cards. You love deals and you want something in return for using your card. These cards are also good for people who use their credit cards often and are diligent about paying attention to the details of the rewards program.
Skip these cards if: You are likely to carry a balance month to month, as the interest charges will outweigh any rewards. Consider low interest credit cards instead.
- Barclaycard CashForward:
Earn $100 bonus after you spend $500 on purchases within your first 90 days of account opening. There is no annual fee.
- Blue Cash Everyday Card from American Express (a CreditDonkey advertiser):
Earn $100 back in the form of a statement credit after you spend $1,000 on purchases within the first 3 months of opening your account. This card has no annual fee.
- Blue Cash Preferred Card from American Express (a CreditDonkey advertiser):
Earn $150 back after you spend $1,000 on purchases within the first 3 months of opening the account. This card has a $95 annual fee.
Go for these cards if: You travel for business or pleasure. Airline credit cards are a great way to earn rewards toward a free trip. And they’re fun to use as you watch the miles add up.
Skip these cards if: You rarely travel or don’t travel as much as you once did. Also avoid if you can’t be bothered to understand how you can redeem the miles (consider a cash back credit card instead). And take a pass if the number of miles you would earn would not exceed the amount you have to pay for an annual fee (consider a no annual fee credit card instead).
- Barclaycard Arrival Plus:
Earn 50,000 miles (worth $500 travel statement credit) after you spend $3,000 on purchases in the first 90 days. The $89 annual fee is waived for the first year.
- Gold Delta SkyMiles Credit Card:
Earn 30,000 bonus miles after you make $1,000 in purchases within your first 3 months. The annual fee is $95 ($0 introductory annual fee for the first year).
Go for these cards if: You are loyal to specific hotel chains, or you want a way to splurge on yourself every once in awhile. If you like a certain hotel chain, hotel credit cards can be particularly beneficial.
Skip these cards if: You’re unlikely to need a hotel room in the near future. Or you just don’t like the headache of figuring out what all the points mean to you. People who tend to carry a balance every month should also avoid these cards as they may save more money by sticking to cards that have a lower interest rate.
- Starwood Preferred Guest Credit Card:
Earn 25,000 bonus Starpoints after you use your new card to make $3,000 in purchases within the first 3 months. This card has a $95 annual fee ($0 introductory annual fee for the first year)
- Hilton HHonors Card from American Express:
Earn 50,000 bonus Hilton HHonors points after you use your new card to make $750 in purchases within the first 3 months. This card has no annual fee.
Go for these cards if: You want flexibility to redeem reward points toward gift cards, merchandise, and more. If you’re not sure how you want rewards, point rewards credit cards are a versatile option.
Skip these cards if: You get confused by points and like the idea of cash back. You’re unlikely to pay attention to the terms and may be unlikely to earn enough points to make up for a card that comes with an annual fee.
- Chase Sapphire Preferred Card:
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. There is an introductory annual fee of $0 the first year, then $95.
- Amex EveryDay Credit Card from American Express (a CreditDonkey advertiser):
Earn 10,000 points after you use your new card to make $1,000 in purchases within the first 3 months. There is no annual fee.
- Amex EveryDay Preferred Credit Card from American Express (a CreditDonkey advertiser):
Earn 15,000 points after you use your new card to make $1,000 in purchases within the first 3 months. This card has a $95 annual fee.
Go for these cards if: You have a hefty balance on one or more credit cards and need some relief to get ahead of your debt. You’re willing to do a little comparison shopping to make sure you’re putting your balance with the card that has the right deal for you. (It would rarely make sense to transfer a balance to a card you already have; it’s usually more beneficial to sign up with an entirely new card to take advantage of balance transfer promotions.)
Skip these cards if: Your balance is not that high to justify making a move. You could end up spending more with the balance transfer fee than you would save in lower interest charges with the new card. Also avoid if there’s any chance you could make serious headway on your balance soon (so you can avoid that transfer fee).
- Barclaycard Ring MasterCard:
This card does not offer a 0% intro APR (so you have to start paying interest immediately), but it does have a compelling offer. The card has a low 8.5% variable regular APR and no balance transfer fee. The 8.5% variable regular APR is less than the regular APR offered by many cards on this list. That’s good news for anyone needing more than the typical 15-18 month 0% APR introductory period to pay down their balance.
Small Business Rewards
Go for these cards if: You own a small business and would like some rewards in return for your purchases. You want to keep a running log of your business expenses, and you want to keep them separate from purchases that apply to your personal life.
Skip these cards if: the annual fee will not be outweighed by the rewards you are likely to accrue (if you are not diligent about using the card often, it’s difficult to earn a significant number of rewards).
- SimplyCash Plus Business Credit Card from American Express (a CreditDonkey advertiser):
Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your card within the first 6 months of card membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your card within the first year of card membership. Offer expires 01/25/2017. There is no annual fee.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.
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