17 Best Credit Card Deals (2018) — Compare Top Credit Cards & Offers

A DealCrunch community member asked...

Are there any credit card deals that offer savings or discounts?

Lauren Keys,

DealCrunch Editor

answered on: 8.23.17

Credit cards help you stretch your dollars, but many of them provide some pretty powerful rewards at the same time. As incentives for consumers to sign up, card issuers today offer deals, like cash back or other rewards on every purchase, and some even market large signing bonuses just to get you to apply.

What makes a card offer the best? While everyone has their favorite rewards — from air miles to fuelperks —  the cards we pulled into this list have been selected because they boast the best deals in various categories as well as at popular retailers. Use the navigational links below to skip to the deals that most appeal to you.

Sign-Up Bonus | Cashback | Points | Airline | Travel | Restaurant | Gas
Balance Transfer | Interest-Free | Business | Student

Popular Store Cards: Lowe’s | Home Depot | Amazon | Best Buy | Walmart | Target

Best “Sign-Up Bonus” Credit Card Deal

Signing up for a new card can be very profitable, especially if you time your application to coincide with a fantastic sign-up bonus offer. We’ve seen bonuses range from statement credits to tens of thousands of points that can be redeemed for gift cards, merchandise, travel, or cash. While cash and statements credits are always valuable, redeeming your sign-up bonus for other items, like travel, can often result in deeper discounts and deals.


Chase Sapphire Preferred® Card

4.9/5.0 ★★★★★

In this category, one card getting a lot of buzz lately is the Chase Sapphire Preferred® Card. With no annual fee the first year, it’s easy to score big with Chase Sapphire. Not only can you earn 50,000 bonus points after spending $4,000 on purchases in the first three months, but you can earn an additional 5,000 points after you add an authorized user and he or she makes a purchase in the first three months from account opening. Currently, 50,000 bonus points equates to $625 toward travel when redeemed through Chase Ultimate Rewards®.

Offer Category#1 in Best Credit Card Deals
DealCrunch Rating4.9 out of 5
Official Websitewww.Chase.com

The points can be redeemed for cash, a statement credit, or toward an offer in the Chase Ultimate Rewards® marketplace.

If you’re looking to earn rewards on every purchase, not just the initial large sum from signing up and meeting the spending requirements of a bonus offer, the following cards may be more suited to your shopping preferences.

Best “Cash-Back” Credit Card Deal

If you believe that cash really is king, then a cash back card might be best for you. Designed to give you back a percentage of every purchase, these kinds of cards allow you to redeem cash back as a statement credit or check for cold hard cash.


Chase Freedom Unlimited Card

4.7/5.0 ★★★★★

We chose the Chase Freedom Unlimited card because of a detail right in the name — unlimited earning potential. You can earn an unlimited 1.5% in cash back on every purchase. Plus, the cash back is automatic, so you don’t need to enroll or change categories to continue receiving cash back. There is also no minimum to cash out your earning, and rewards never expire for open accounts.

Offer Category#2 in Best Credit Card Deals
DealCrunch Rating4.7 out of 5
Official Websitewww.Chase.com

While cash back is a popular deal in the credit card world, you may prefer to earn and redeem a different kind of reward.

To earn something other than cash, we recommend checking out points and specific reward-based cards.

Best “Points” Credit Card Deal

More cards are customers offering “points” today instead of cash back or a statement credit because points allow for more frequent redemption. Points also empower customers to save up for large rewards, which often offer a better overall value than they might find outside of an issuer’s rewards marketplace.


US Bank FlexPerks® Gold American Express® Card

4.3/5.0 ★★★★

The FlexPerks Gold American Express card from US Bank is a great, all-around spending tool with 2x the points for air travel and gas purchases, and 3x points for restaurants. New, approved applicants also get a pretty fair bonus deal: Earn 30,000 bonus FlexPoints after you spend $2,000 in eligible net purchases within the first four months of account opening.

Offer Category#3 in Best Credit Card Deals
DealCrunch Rating4.3 out of 5
Official Websitewww.FlexPerks.com

Point-based reward cards are a good fit for deal-seekers with more specific offers in mind, but you may also consider finding a card that rewards you for purchases within a specific category or with the kinds of deals you’re most likely to use, such as extra dining points or bonus air miles.

Best “Airline” Credit Card Deals

If you’re loyal to a particular airline, it may make sense to sign up for one of their branded credit cards.

These cards can get you upgrades on the flights you book, save you on checked baggage fees, and give you priority boarding.


Platinum Delta SkyMiles® Credit Card

4.5/5.0 ★★★★★

Delta fans will find the perfect balance of rewards with this card, which offers 2x points on Delta purchases, free checked bags, priority boarding, and an annual companion travel certificate. The $195 annual fee can easily be earned back with 20% off in-flight purchases and discounted Sky Lounge passes, too. Currently, you can earn 35,000 bonus miles after spending $1,000 in purchases within the first three months. Plus, you can get a $100 statement credit after you make a Delta purchase in the first three months.

Offer Category#4 in Best Credit Card Deals
DealCrunch Rating4.5 out of 5
Official Websitewww.Delta.com

Don’t care which airline you travel on? You may find a more flexible travel card to be a better fit for your adventure plans.

Best “Travel” Credit Card Deal

While airlines cards can give you great seat upgrades and baggage perks, many travelers need rewards they can use on a variety of travel expenses from hotels to Uber. There are many cards that can help you get to your destination for less, but we liked the Barclaycard deal best.


Barclaycard Arrival Plus™ World Elite Mastercard®

4.6/5.0 ★★★★★

New members can earn earn 60,000 bonus miles after they spend $5,000 on purchases in the first 90 days. With a generous 2 miles earned per dollar spent, this is a good card for frequent travelers who want access to a number of different airlines, hotel chains, and other travel purchases. However, you’ll want to keep in mind that the Barclaycard Arrival Plus card has an annual fee of $89.

Offer Category#5 in Best Credit Card Deals
DealCrunch Rating4.6 out of 5
Official Websitewww.BarclayCardUS.com

If a staycation is more your style, you might benefit from a card that offers dining perks — on local establishments and more — every time you go out with friends or family.

Best “Restaurant” Credit Card Deal

If you’re a foodie, dining out is where you find joy, so you’ll want to look for a credit card that rewards you for your taste adventures.

While many cards can offer rewards when dining out, the best restaurant deals can be found when you seek out a card whose purpose is to help satisfy your palate.


Capital One® Premier Dining Rewards Card

4.1/5.0 ★★★★

Whether you are dining out or choose to cook at home, this card seeks to reward you. Earn unlimited 3% cash back on dining, 2% on groceries, and 1% on all other purchases with this Capital One card. You won’t need to sign up for changing categories, and there’s never a limit on what you can earn. Bon appétit!

Offer Category#6 in Best Credit Card Deals
DealCrunch Rating4.1 out of 5
Official Websitewww.CapitalOne.com

While dining perks can certainly be rewarding, it might not be the best deal if you notice more of your paycheck goes to pay for your commute to work. For those who drive more than they eat out, a gasoline reward card may be a better fit.

Best “Gas” Credit Card Deal

Even with fuel prices at historic lows, gasoline credit cards are a great way to save on everyday commuting expenses.

With many cards offering cash back for gas, it may seem they are all the same, but the card below is designed to give you the best savings for your dollar.


Shell Platinum Select®Mastercard®

3.8/5.0 ★★★★

Spend just $500 in qualifying purchases in any month, and Shell will give you 10 cents off each gallon the following month (up to 100 gallons). Big spenders will see even more savings as monthly purchase totals of $1,000 or more will save you 15 cents a gallon, and purchases over $2,500 in a month will earn you 20 cents off your Shell fill-up.

Offer Category#7 in Best Credit Card Deals
DealCrunch Rating3.8 out of 5
Official Websitewww.CitiBankOnline.com

Tired of paying high interest rates? A balance transfer card may be a good way to help you save on interest and consolidate your credit card debt while earning new rewards centered around balance transfer deals.

Best “Balance Transfer” Credit Card Deal

Balance transfer cards can be very useful in getting rid of high interest rates. When choosing the best offer for you, look for a card that gives you both a low interest rate and a low (or no) balance transfer fee. Remember that you pay your fee amount right away, so we chose a card that solves that.


Barclaycard Ring™ Mastercard®

4.0/5.0 ★★★★

With the Barclaycard Ring™ Mastercard®, you get the best of both worlds with a widely-accepted card from a major issuing bank that also comes with an impressive introductory rate. Get 0% interest on balance transfers made within the 45-day introductory period, and pay nothing on them for 15 months! You’ll also pay no balance transfer fees when these balances clear the account by the end of the intro offer date.

Offer Category#8 in Best Credit Card Deals
DealCrunch Rating4.0 out of 5
Official Websitewww.BarclayCardUS.com

If you want to also pay no interest on all your purchases, there’s a card for that, too.

Take a look at the deal we found for those hoping to finance their next purchases with zero interest for longer than 15 months.

Best “Interest-Free” Credit Card Deal

For many consumers, the best card is the one that rewards them with no interest rate for the longest time period. A 0% interest rate is common for new card offers, but it can be difficult a find a card that is willing to offer this rate for the long term. The deal we found features one of the most competitive rate terms around.


Citi® Diamond Preferred® Card

4.2/5.0 ★★★★

With an amazing 0% interest rate on both purchases and balance transfers for up to 21 months, this card leads the pack. Note that you will pay a 3% fee on balance transfers, making it the best bet for those who just want to buy things with it, not transfer any balances. Plus, with no annual fee, this card is an attractive addition to any wallet.

Offer Category#9 in Best Credit Card Deals
DealCrunch Rating4.2 out of 5
Official Websitewww.Citi.com

While we’ve discussed several great credit card offers based on the type of reward, we found cards that offer everything from bonuses to card terms that may be better suited for business owners and students.

Best “Business” Credit Card Deal

With many small businesses already feeling cash-strapped, it’s not practical to pay more for access to credit. That’s why many business owners carefully consider the card they will use for their everyday expenses. A business credit card can provide a little wiggle room with generous perks for the growth of your enterprise.


Business Advantage Cash Rewards Mastercard®

3.8/5.0 ★★★★

Bank of America’s Business Advantage Cash Rewards Mastercard is a good, all-around business card. It features 1% cash back on all purchases as well as 2% at restaurants and 3% at gas stations and office supply stores. With no limit to the cash back you can earn, it’s easy for business owners to rack up savings and redeem for cash or put the value into a Bank of America savings or checking account. You also get a $200 statement credit when you join and meet the initial spending requirements.

Offer Category#10 in Best Credit Card Deals
DealCrunch Rating3.8 out of 5
Official Websitewww.BankofAmerica.com

Business owners have different needs and spending habits than others, especially students, who are just starting out in life and need to build credit and earn perks they can truly use.

Best “Student” Credit Card Deal

Whether you’re returning for your senior year or just starting out, being a student comes with a pretty big price tag between tuition, room and board, food, and books.

Fortunately, many card companies have figured out what students value in a card, and one company has crafted a card to best deliver on those needs.


Discover it® Card for College Students

3.7/5.0 ★★★★

Highly ranked among college students for its perks and flexibility, the Discover it® Card for College Students was made to reward students, but it also has the long haul in mind. You earn $20 cash back each school year if your GPA is 3.0 or higher for up to five years. You’ll also be eligible to earn 5% cash back for select rotating rewards categories, plus earn 1% on everything else. Discover will also match all the cash back you’ve earned at the end of your first year, automatically. This card offers worthwhile perks, so keep it to use beyond college and build your credit score for your future.

Offer Category#11 in Best Credit Card Deals
DealCrunch Rating3.7 out of 5
Official Websitewww.Discover.com

If you’re looking for a specific retail card that can anticipate your shopping needs and reward you for loyal repeat business, we found several store credit cards that stack up.

Best “Lowe’s” Credit Card Deal

From large-scale renovation projects to quick fixes around your home, Lowe’s is a great place to get what you need to get the job done. Plus, they have a card designed to reward your loyalty.


Lowe’s Advantage Card

3.5/5.0 ★★★★

The Lowe’s Advantage Card gives you 5% off Lowe’s purchases every day, online and in your local store. As a cardholder, you’re also eligible for up to six months of special financing for purchases that total $299 or more. Hoping to finish a big project in the near future? Lowe’s has you covered with a 36-, 60-, or 84-month payment plan for projects totaling $2,000 or more. It’s a great staple card if you’re a Lowe’s regular or are planning a big home renovation project.

Offer Category#12 in Best Credit Card Deals
DealCrunch Rating3.5 out of 5
Official Websitewww.Lowes.com

If you prefer Home Depot for your DIY projects, don’t fret — that chain has a store credit card, too.

Best “Home Depot” Credit Card Deal

For home repairs, Home Depot makes it easy to learn the tricks of the trade from its team members and pick up the tools you need to complete the job.


Home Depot Consumer Credit Card

3.5/5.0 ★★★★

Home Depot fans can now get rewarded with 6 months of 0% interest on purchases over $299 with the Home Depot Consumer Credit Card. The card also gives customers up to 24 months of financing during special promotions. Plus, you’ll enjoy easy, hassle-free returns on most merchandise categories for the first year.

Offer Category#13 in Best Credit Card Deals
DealCrunch Rating3.5 out of 5
Official Websitewww.HomeDepot.com

Remember, Home Depot and Lowe’s both offer commercial credit cards as well, perfect for contractors who need more buying power and benefits than those making simple home repairs.

The next store on our list can also help with home improvement if you know what you need and prefer to shop online.

Best “Amazon” Credit Card Deal

The world’s number one online retailer knows how much its members shop, which is why they’ve made it easy to fund that shopping with their signature branded card.


Amazon Rewards Visa Signature Card

4.6/5.0 ★★★★★

The Amazon Rewards Visa Signature Card works like a regular credit card in that you can use it everywhere you shop and get 1% back to be used on future Amazon purchases. You also earn 2% at restaurants and gas stations, and you get a whopping 3% back when you shop at Amazon.com. There’s no need to cash out each month since your account is connected to your Amazon account, which makes redemption a smooth process. Plus, there’s no waiting period or minimum amount required for you to use the credit on future purchases — take advantage of what you earn as soon as it accrues.

Offer Category#14 in Best Credit Card Deals
DealCrunch Rating4.6 out of 5
Official Websitewww.Amazon.com

While many folks find everything online in Amazon’s marketplace, others enjoy taking trips to a local store to feel and test out products before buying.

If you’re looking for a store card that offers more rewards for brand purchases, check out the Best Buy store card for your electronics needs.

Best “Best Buy” Credit Card Deal

Best Buy remains a top retailer for the latest in electronics and entertainment. From computers to TVs to smart home appliances, Best Buy can help you take your electronics game to the next level.


My Best Buy® Credit Card

3.4/5.0 ★★★

With a My Best Buy® Credit Card, you’ll see savings on every Best Buy purchase. As a cardholder, you have the option to earn 5% back in rewards (6% for qualified Elite Plus members) for Best Buy purchases or you can get flexible financing options on Best Buy purchases greater than $199. Currently, you can even earn store rewards when you shop outside of Best Buy. Once you accrue rewards, you can redeem them on a Best Buy purchase.

Offer Category#15 in Best Credit Card Deals
DealCrunch Rating3.4 out of 5
Official Websitewww.BestBuy.com

While the My Best Buy program is great, you may prefer to earn rewards at a retailer that has more to offer at a lower price point. That’s why we’ve included Walmart’s credit card next on this list.

Best “Walmart” Credit Card Deal

At Walmart, shoppers enjoy “everyday low prices,” but the chain’s credit card can help you score additional savings.


Walmart Credit Card

4.1/5.0 ★★★★

In addition to the opening statement credit Walmart offers when you first sign up, the Walmart Credit Card will continue to reward you with an assortment of bonus earning programs. Right now, you can get 3% back on purchases made online at Walmart.com and 1% when you shop in stores (if you want the best of both worlds, order online and select in-store pickup to maximize your earning potential). Cardholders also get 2% back on fuel purchased at Murphy USA and Walmart gas stations nationwide as well as 1% on purchases outside of Walmart.

Offer Category#16 in Best Credit Card Deals
DealCrunch Rating4.1 out of 5
Official Websitewww.Walmart.com

Walmart isn’t for everyone, and many people choose the shopping experience at Target for their everyday purchases. For those folks, Target has a great store credit card, too.

Best “Target” Credit Card Deal

The perks of the Target REDCard are plentiful, and signup is easy. Most clerks in the store will ask if you have one to ensure you get all the benefits if you’re a regular shopper.


Target REDCard

4.4/5.0 ★★★★

The Target REDCard gets you 5% off on every Target purchase — in stores and online. Plus, cardholders also qualify for free shipping on most items at Target.com, receive an extended return policy, and easy REDcard online management. If you’re not certain about opening a line of credit through Target, you can instead sign up for a REDCard debit, which can link to your bank account and offers the same deals as the credit card.

Offer Category#17 in Best Credit Card Deals
DealCrunch Rating4.4 out of 5
Official Websitewww.Target.com

It’s important to keep in mind that credit card offers change pretty frequently, so remember to double check offer terms before applying to ensure you’re getting the offer you want.

Review Top Credit Card Promotions & Apply for Yours

As issuers craft new credit card deals to try and earn your business, the result is more competition and more choices for a card — and promotion — that best suits your spending habits. While it may seem overwhelming, there are a few questions you can ask to help narrow down all of the options.

If you had to pick one perk, what would it be? Are you willing to become brand loyal to get it? Most shoppers can easily determine the card that best suits them by imagining the type of purchases they will make with their new card, and by calculating what an average reward earning each month might look like.

If you’re ready to start earning rewards as you shop, apply for your next card today.