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Top Credit Card Offers

By: Financial Hotline
Summer 2020 (Vol. 38, No. 2)

Discover it Cash Back or call (800) 347-0264; has no annual fee with 11.99% - 22.99% variable APR and 0% intro APR on purchases and balance transfers for 14 months. Recommended minimum credit score to qualify is 690. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! Earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate and 1% cash back on all other purchases - automatically. You can Redeem cash back any amount at any time or use your rewards at checkout.

Citi Double Cash Card offers 0% for 18 months on balance transfers. After the intro rate expires this card has a 13.99%-23.99% variable rate based on your credit score. There is no annual fee but a one time 3% balance transfer fee applies. You can also earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Milestone Gold Card may be an option for those with bad to fair credit (300-670 credit score) or a prior bankruptcy. The card carries a $35-$99 annual fee with a fixed 24.90% APR. It has quick prequalification available with no impact to your credit score with fast response.

Deserve® Edu Mastercard for Students is a good option for students with little or no credit history. This card has no annual fee and an 18.74% Variable APR. Card holders also receive one year of Amazon Prime Student after spending $500 in the first three billing cycles and earn 1% cash back on all purchases. No international transaction fees. Students can apply only to prequalify with no impact to credit score.