A new month, so it’s time for a freshly updated snapshot of what I view to be the top credit card offers out there for U.S. consumers at the moment.
Also, before we get started, I should note that Outlaw‘s recent success has attracted the attention of one or two rival credit card sites who seem to believe that posting negative comments and tweets which call into question my credibility is a good way to boost the profile of their own brands. I’m flattered and mildly amused by this.
And I am sure that my loyal readers see their ploy for what it is. Anyway, onto the list!
Best Overall Balance Transfer Card: As of the start of March, the Discover More credit card offer for new cardholders is a fantastic deal, in my opinion. You get 0% introductory APR for 12 months on balance transfers, plus 0% intro APR on purchases for the first 12 months.
In addition, you will earn a $100 cash-back bonus after spending $500 on the new card within the first three months.
Best Airline Rewards Credit Card: I love United Mileage Plus — it’s my favourite flier rewards program, and I have always called United “the adult’s airline” since they treat you like an adult… No tacky jokes, no weird flight attendant uniforms or “team spirit” nonsense. Just a great airline, with exceptional business class service and a wide range of routes. The complimentary in-flight movie programming on the longer cross-country flights are surprisingly good as well, in my opinion.
So it’s no surprise that I recommend the United Mileage Plus Signature Visa to my readers. Use the link published there to sign up and you’ll receive 25,000 bonus miles after your very first purchase, plus a $50 statement credit after that first purchase. Remember to add an authorised user to your account, such as your spouse or someone else you trust, and you’ll receive another 5,000 bonus miles. That’s a total of 30,000 bonus miles, which is enough for a free roundtrip flight in most cases.
Another Exceptional Airline Card: The JetBlue Airways American Express card is another great option, especially if you fly out of JFK often (they have their own swanky terminal there, T5, with a wide variety of shopping and dining options. 5ive Steak is my favourite restaurant at T5 — great New York Strip and shrimp cocktail). With the JetBlue credit card, you get 10,000 bonus points after your very first purchase, and another 10,000 points after spending $500 during the first three months of membership.
Solid Cash Back Credit Cards: I am torn between Chase Freedom — which has a $100 bonus cash back offer at the moment (just spend $500 within the first three months) and earns you up to 5% cash back in quarterly bonus categories such as gas, home improvement, and department stores (1% everywhere else!) — and Bank of America’s BankAmericard Cash Rewards card, which offers a flat 1% cash back on all purchases. Cash Rewards is also a VISA Signature card, so it has all of the additional purchase protections and travel benefits that come with the Signature program.
I really like the simple redemption system for getting your cash back from Bank of America’s web site (screenshot here), although I suppose after today’s prolonged Bank of America web site blackout, one should not be putting the words “like” and “Bank of America” in the same sentence!
Be sure to view more of my credit card offers and promotions over on Outlaw.
Disclosures: I used to review credit cards for a living. Also, my web site has a financial relationship with Chase — we participate in their affiliate program. No financial relationship or position on American Express, United Airlines, JetBlue Airways, Bank of America, Discover or any other company mentioned in this story at time of publication.