Question: what is the best credit card for seniors

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 With the average APR on credit cards hovering in the mid-teens, the variable purchase and balance transfer APR of 8.25% on the Simmons Visa® card comes in well below the average. And this card doesn’t have an annual fee. Need more info on how your credit card APR works? Take a look at our explanation of what APR is and why it’s important. Find a credit card that works for me Explore Cards Now
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
Here’s why: The U.S. Bank Visa® Platinum Card gives seniors an opportunity to make a large purchase or transfer a high-interest balance and pay it off without accruing interest charges for a lengthy period of time. You also won’t have to pay an annual fee. For the first 20 billing cycles, you can take advantage of an introductory 0% APR on purchases. The same 0% APR offer also extends to balance transfers made within 60 days of account opening.

5 Best Credit Cards for Seniors of 2021 | Credit Karma

The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards

With the average APR on credit cards hovering in the mid-teens, the variable purchase and balance transfer APR of 8.25% on the Simmons Visa® card comes in well below the average. And this card doesn’t have an annual fee. Need more info on how your credit card APR works? Take a look at our explanation of what APR is and why it’s important. Find a credit card that works for me Explore Cards Now
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
Here’s why: The U.S. Bank Visa® Platinum Card gives seniors an opportunity to make a large purchase or transfer a high-interest balance and pay it off without accruing interest charges for a lengthy period of time. You also won’t have to pay an annual fee. For the first 20 billing cycles, you can take advantage of an introductory 0% APR on purchases. The same 0% APR offer also extends to balance transfers made within 60 days of account opening.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 6 Best Credit Cards for Seniors Retirees 2021
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6 Best Credit Cards for Seniors and Retirees
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This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services. Credit Cards
6 Best Credit Cards for Seniors and Retirees
Written by
Chris Muller |
Modified date: May 20, 2021
Editor's note - You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.

6 Best Credit Cards for Seniors Retirees 2021

6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller

6 Best Credit Cards for Seniors Retirees 2021
Home
»
Credit Cards
»
6 Best Credit Cards for Seniors and Retirees
Advertiser Disclosure
This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services. Credit Cards
6 Best Credit Cards for Seniors and Retirees
Written by
Chris Muller |
Modified date: May 20, 2021
Editor's note - You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 For additional details, check out our complete review of the Fidelity® Rewards Visa® Signature Card. Best for low ongoing APR: Simmons Visa®
Here’s why: Unlike the other cards we’ve covered so far, the Simmons Visa® won’t earn you rewards or cash back when you use it, but it does offer a low ongoing APR. This feature can help seniors who may need to carry a credit card balance keep interest charges under control. With the average APR on credit cards hovering in the mid-teens, the variable purchase and balance transfer APR of 8.25% on the Simmons Visa® card comes in well below the average. And this card doesn’t have an annual fee. Need more info on how your credit card APR works? Take a look at our explanation of what APR is and why it’s important. Find a credit card that works for me Explore Cards Now
Best for 0% intro APR:

For additional details, check out our complete review of the Fidelity® Rewards Visa® Signature Card. Best for low ongoing APR: Simmons Visa®
Here’s why: Unlike the other cards we’ve covered so far, the Simmons Visa® won’t earn you rewards or cash back when you use it, but it does offer a low ongoing APR. This feature can help seniors who may need to carry a credit card balance keep interest charges under control. With the average APR on credit cards hovering in the mid-teens, the variable purchase and balance transfer APR of 8.25% on the Simmons Visa® card comes in well below the average. And this card doesn’t have an annual fee. Need more info on how your credit card APR works? Take a look at our explanation of what APR is and why it’s important. Find a credit card that works for me Explore Cards Now
Best for 0% intro APR:

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 U.S. Bank Visa® Platinum Card
Here’s why: The U.S. Bank Visa® Platinum Card gives seniors an opportunity to make a large purchase or transfer a high-interest balance and pay it off without accruing interest charges for a lengthy period of time. You also won’t have to pay an annual fee. For the first 20 billing cycles, you can take advantage of an introductory 0% APR on purchases. The same 0% APR offer also extends to balance transfers made within 60 days of account opening. Note that if you do transfer a balance to this card, you’ll need to pay a balance transfer fee of 3% (minimum $5) of the transferred amount. And when the promotional period ends, the variable APR on purchases and balance transfers increases to 14.49% - 24.49%. If you need to pay for an unplanned expense, make a large purchase or pay down high-interest debt, this card gives you plenty of time to do it interest-free. Just try to make sure you can pay off your balance by the end of the intro period to avoid having to carrying a balance while the card has that higher variable APR. To find out more, read our review of the U.S. Bank Visa® Platinum Card.

U.S. Bank Visa® Platinum Card
Here’s why: The U.S. Bank Visa® Platinum Card gives seniors an opportunity to make a large purchase or transfer a high-interest balance and pay it off without accruing interest charges for a lengthy period of time. You also won’t have to pay an annual fee. For the first 20 billing cycles, you can take advantage of an introductory 0% APR on purchases. The same 0% APR offer also extends to balance transfers made within 60 days of account opening. Note that if you do transfer a balance to this card, you’ll need to pay a balance transfer fee of 3% (minimum $5) of the transferred amount. And when the promotional period ends, the variable APR on purchases and balance transfers increases to 14.49% - 24.49%. If you need to pay for an unplanned expense, make a large purchase or pay down high-interest debt, this card gives you plenty of time to do it interest-free. Just try to make sure you can pay off your balance by the end of the intro period to avoid having to carrying a balance while the card has that higher variable APR. To find out more, read our review of the U.S. Bank Visa® Platinum Card.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 And unlike some other cash back credit cards, this one doesn’t come with a sign-up bonus. Check out our review of the Citi® Double Cash Card to see if it’s right for you. Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Here’s why: With the Fidelity® Rewards Visa Signature Card, seniors with an eligible Fidelity account can earn unlimited 2% cash back on qualifying purchases when they sign up for direct-deposit rewards into their account. You’ll earn two points for every $1 you spend on purchases that count — earnings that equate to a $1 reward for every $50 you spend. Your rewards can be deposited in several kinds of eligible Fidelity accounts, including certain retirement accounts, HSAs and college savings accounts. This gives you the flexibility to not only boost your retirement savings, but also to help meet healthcare costs or contribute to your children’s or grandchildren’s education. The Fidelity® Rewards Visa Signature card also has no annual fee, so you don’t have to deal with that added cost offsetting your rewards. If you don’t have a Fidelity account but like the idea of this credit card, it might be worth contacting your retirement account provider to find out if it offers a similar option.

And unlike some other cash back credit cards, this one doesn’t come with a sign-up bonus. Check out our review of the Citi® Double Cash Card to see if it’s right for you. Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Here’s why: With the Fidelity® Rewards Visa Signature Card, seniors with an eligible Fidelity account can earn unlimited 2% cash back on qualifying purchases when they sign up for direct-deposit rewards into their account. You’ll earn two points for every $1 you spend on purchases that count — earnings that equate to a $1 reward for every $50 you spend. Your rewards can be deposited in several kinds of eligible Fidelity accounts, including certain retirement accounts, HSAs and college savings accounts. This gives you the flexibility to not only boost your retirement savings, but also to help meet healthcare costs or contribute to your children’s or grandchildren’s education. The Fidelity® Rewards Visa Signature card also has no annual fee, so you don’t have to deal with that added cost offsetting your rewards. If you don’t have a Fidelity account but like the idea of this credit card, it might be worth contacting your retirement account provider to find out if it offers a similar option.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 Written by: Jennifer Brozic
Jennifer Brozic is a personal finance writer and has written for Citi. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Advertiser Disclosure
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Written by: Jennifer Brozic
Jennifer Brozic is a personal finance writer and has written for Citi. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Advertiser Disclosure
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 The card has an annual fee of $95. It also offers travel accident insurance, travel assistance services, no foreign transaction fee and a credit of up to a $100 for a Global Entry or TSA PreCheck application to help you move through airport security lines. For more information about how you can maximize your rewards, read our full review of the Capital One® Venture® Rewards Credit Card. Best for simple cash back: Citi® Double Cash Card
From our partner
Citi® Double Cash Card
3.7/5
12 reviews ➔
From cardholders in the last year
Apply Now

Here’s why: The Citi® Double Cash Card offers a low-hassle way for you to earn cash back on all of your purchases. If you want to earn rewards on items you buy every day but don’t want to worry about keeping track of rewards categories, this card could be a good place to start. With the Citi® Double Cash Card, you’ll earn unlimited 2% cash back on everything you buy — 1% when you buy it and 1% when you pay your bill. Plus, there’s no annual fee to cut into your rewards, which you can redeem for a check, direct deposit or statement credit. Although this card has a straightforward rewards structure and is easy to use, you may be able to earn more with a different type of cash back credit card with higher rates in certain categories.

The card has an annual fee of $95. It also offers travel accident insurance, travel assistance services, no foreign transaction fee and a credit of up to a $100 for a Global Entry or TSA PreCheck application to help you move through airport security lines. For more information about how you can maximize your rewards, read our full review of the Capital One® Venture® Rewards Credit Card. Best for simple cash back: Citi® Double Cash Card
From our partner
Citi® Double Cash Card
3.7/5
12 reviews ➔
From cardholders in the last year
Apply Now

Here’s why: The Citi® Double Cash Card offers a low-hassle way for you to earn cash back on all of your purchases. If you want to earn rewards on items you buy every day but don’t want to worry about keeping track of rewards categories, this card could be a good place to start. With the Citi® Double Cash Card, you’ll earn unlimited 2% cash back on everything you buy — 1% when you buy it and 1% when you pay your bill. Plus, there’s no annual fee to cut into your rewards, which you can redeem for a check, direct deposit or statement credit. Although this card has a straightforward rewards structure and is easy to use, you may be able to earn more with a different type of cash back credit card with higher rates in certain categories.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 Capital One® Venture® Rewards Credit Card
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years. Here’s our take on some of the best cards available in several key categories. Find a credit card that works for me Explore Cards Now
Card
Best for
Capital One® Venture® Rewards Credit Card
Travel
Citi® Double Cash Card
Simple cash back
Fidelity® Rewards Visa Signature Card
Boosting retirement savings
Simmons Visa®
Low ongoing APR
U.S. Bank Visa® Platinum Card
0% intro APR
Best for travel: Capital One® Venture® Rewards Credit Card
From our partner
Capital One® Venture® Rewards Credit Card
0.0/5
0 reviews ➔
From cardholders in the last year
Learn More
Here’s why: The Capital One® Venture® Rewards Credit Card makes it simple to earn and redeem your travel rewards. With flexible redemption options that don’t tie you down to a specific airline or hotel chain, you can travel on your terms. You’ll earn an unlimited two miles for every $1 you spend on all purchases. Capital One’s Purchase Eraser feature then lets you easily redeem those points for statement credits after you pay for travel expenses with your card. Or, if you prefer, you can use your miles to “pay” for purchases when you book your travel through Capital One. Plus, miles can be transferred to one of Capital One’s airline travel partners for even greater flexibility.

Capital One® Venture® Rewards Credit Card
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years. Here’s our take on some of the best cards available in several key categories. Find a credit card that works for me Explore Cards Now
Card
Best for
Capital One® Venture® Rewards Credit Card
Travel
Citi® Double Cash Card
Simple cash back
Fidelity® Rewards Visa Signature Card
Boosting retirement savings
Simmons Visa®
Low ongoing APR
U.S. Bank Visa® Platinum Card
0% intro APR
Best for travel: Capital One® Venture® Rewards Credit Card
From our partner
Capital One® Venture® Rewards Credit Card
0.0/5
0 reviews ➔
From cardholders in the last year
Learn More
Here’s why: The Capital One® Venture® Rewards Credit Card makes it simple to earn and redeem your travel rewards. With flexible redemption options that don’t tie you down to a specific airline or hotel chain, you can travel on your terms. You’ll earn an unlimited two miles for every $1 you spend on all purchases. Capital One’s Purchase Eraser feature then lets you easily redeem those points for statement credits after you pay for travel expenses with your card. Or, if you prefer, you can use your miles to “pay” for purchases when you book your travel through Capital One. Plus, miles can be transferred to one of Capital One’s airline travel partners for even greater flexibility.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 The Citi® Double Cash Card offers a low-hassle way for you to earn cash back on all of your purchases. If you want to earn rewards on items you buy every day but don’t want to worry about keeping track of rewards categories, this card could be a good place to start. With the Citi® Double Cash Card, you’ll earn unlimited 2% cash back on everything you buy — 1% when you buy it and 1% when you pay your bill. Plus, there’s no annual fee to cut into your rewards, which you can redeem for a check, direct deposit or statement credit. Although this card has a straightforward rewards structure and is easy to use, you may be able to earn more with a different type of cash back credit card with higher rates in certain categories. And unlike some other cash back credit cards, this one doesn’t come with a sign-up bonus. Check out our review of the Citi® Double Cash Card to see if it’s right for you. Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Here’s why: With the Fidelity® Rewards Visa Signature Card, seniors with an eligible Fidelity account can earn unlimited 2% cash back on qualifying purchases when they sign up for direct-deposit rewards into their account.

The Citi® Double Cash Card offers a low-hassle way for you to earn cash back on all of your purchases. If you want to earn rewards on items you buy every day but don’t want to worry about keeping track of rewards categories, this card could be a good place to start. With the Citi® Double Cash Card, you’ll earn unlimited 2% cash back on everything you buy — 1% when you buy it and 1% when you pay your bill. Plus, there’s no annual fee to cut into your rewards, which you can redeem for a check, direct deposit or statement credit. Although this card has a straightforward rewards structure and is easy to use, you may be able to earn more with a different type of cash back credit card with higher rates in certain categories. And unlike some other cash back credit cards, this one doesn’t come with a sign-up bonus. Check out our review of the Citi® Double Cash Card to see if it’s right for you. Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Here’s why: With the Fidelity® Rewards Visa Signature Card, seniors with an eligible Fidelity account can earn unlimited 2% cash back on qualifying purchases when they sign up for direct-deposit rewards into their account.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees. F inding and using the right credit card makes it easy to get rewarded for your purchases. And it’ll give you the spending power you need to save some serious cash. But as you age and your needs change, it’s crucial that you reconsider your credit card. In this article, I’ll review some of the best credit cards for retirees. Make sure that if you’re retired, you consider one of these so you can enjoy the benefits they have to offer.

Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees. F inding and using the right credit card makes it easy to get rewarded for your purchases. And it’ll give you the spending power you need to save some serious cash. But as you age and your needs change, it’s crucial that you reconsider your credit card. In this article, I’ll review some of the best credit cards for retirees. Make sure that if you’re retired, you consider one of these so you can enjoy the benefits they have to offer.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 With flexible redemption options that don’t tie you down to a specific airline or hotel chain, you can travel on your terms. You’ll earn an unlimited two miles for every $1 you spend on all purchases. Capital One’s Purchase Eraser feature then lets you easily redeem those points for statement credits after you pay for travel expenses with your card. Or, if you prefer, you can use your miles to “pay” for purchases when you book your travel through Capital One. Plus, miles can be transferred to one of Capital One’s airline travel partners for even greater flexibility. The card has an annual fee of $95. It also offers travel accident insurance, travel assistance services, no foreign transaction fee and a credit of up to a $100 for a Global Entry or TSA PreCheck application to help you move through airport security lines. For more information about how you can maximize your rewards, read our full review of the Capital One® Venture® Rewards Credit Card. Best for simple cash back: Citi® Double Cash Card
From our partner
Citi® Double Cash Card
3.7/5
12 reviews ➔
From cardholders in the last year
Apply Now

Here’s why:

With flexible redemption options that don’t tie you down to a specific airline or hotel chain, you can travel on your terms. You’ll earn an unlimited two miles for every $1 you spend on all purchases. Capital One’s Purchase Eraser feature then lets you easily redeem those points for statement credits after you pay for travel expenses with your card. Or, if you prefer, you can use your miles to “pay” for purchases when you book your travel through Capital One. Plus, miles can be transferred to one of Capital One’s airline travel partners for even greater flexibility. The card has an annual fee of $95. It also offers travel accident insurance, travel assistance services, no foreign transaction fee and a credit of up to a $100 for a Global Entry or TSA PreCheck application to help you move through airport security lines. For more information about how you can maximize your rewards, read our full review of the Capital One® Venture® Rewards Credit Card. Best for simple cash back: Citi® Double Cash Card
From our partner
Citi® Double Cash Card
3.7/5
12 reviews ➔
From cardholders in the last year
Apply Now

Here’s why:

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 You can still get a secured credit card. And the Credit One Bank® Unsecured Visa® for Rebuilding Credit is one of our favorites. Many cards penalize you for having poor credit, but this one doesn’t. You’ll get a free copy of your credit score each month, and the annual fee will range depending on your credit score. Get a credit line between $300 and $3,000 based on your credit history, which is a fast and easy way to improve your credit. There is no sign-up bonus, and you do have to pay more than usual for cash advances. But being able to use a credit card to improve and build your credit makes this an excellent option for a lot of retirees. Finally, you can earn points with this secured card. You’ll get 1% cash back, and the rewards will post to your account automatically. Bottom Line
As you can see, there are a lot of great credit cards for retirees to choose from.

You can still get a secured credit card. And the Credit One Bank® Unsecured Visa® for Rebuilding Credit is one of our favorites. Many cards penalize you for having poor credit, but this one doesn’t. You’ll get a free copy of your credit score each month, and the annual fee will range depending on your credit score. Get a credit line between $300 and $3,000 based on your credit history, which is a fast and easy way to improve your credit. There is no sign-up bonus, and you do have to pay more than usual for cash advances. But being able to use a credit card to improve and build your credit makes this an excellent option for a lot of retirees. Finally, you can earn points with this secured card. You’ll get 1% cash back, and the rewards will post to your account automatically. Bottom Line
As you can see, there are a lot of great credit cards for retirees to choose from.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 The Capital One® Venture® Rewards Credit Card has no foreign transaction fees. This can save you a lot of money when you’re in another country and need to pay for something. You’ll also receive up to $100 credit for Global Entry or TSA Pre-check when you use your Venture card. Finally, the card comes with an excellent signup bonus. You’ll get 50,000 bonus miles after spending $3,000 in the first three months. This is equivalent to $500 in travel statement credits. 3. Best Card for General Cash Back: Chase Freedom
The Chase Freedom is for retirees who want to maximize their cash back, and are willing to be strategic. If you keep track of the categories offering rewards, you can earn plenty of cash back.

The Capital One® Venture® Rewards Credit Card has no foreign transaction fees. This can save you a lot of money when you’re in another country and need to pay for something. You’ll also receive up to $100 credit for Global Entry or TSA Pre-check when you use your Venture card. Finally, the card comes with an excellent signup bonus. You’ll get 50,000 bonus miles after spending $3,000 in the first three months. This is equivalent to $500 in travel statement credits. 3. Best Card for General Cash Back: Chase Freedom
The Chase Freedom is for retirees who want to maximize their cash back, and are willing to be strategic. If you keep track of the categories offering rewards, you can earn plenty of cash back.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 Note that if you do transfer a balance to this card, you’ll need to pay a balance transfer fee of 3% (minimum $5) of the transferred amount. And when the promotional period ends, the variable APR on purchases and balance transfers increases to 14.49% - 24.49%. If you need to pay for an unplanned expense, make a large purchase or pay down high-interest debt, this card gives you plenty of time to do it interest-free. Just try to make sure you can pay off your balance by the end of the intro period to avoid having to carrying a balance while the card has that higher variable APR. To find out more, read our review of the U.S. Bank Visa® Platinum Card. How we picked the best credit cards for seniors
To choose the best cards for seniors, we reviewed dozens of options from a variety of credit card issuers and chose the cards we thought would appeal to the broadest audience of seniors. We looked at cards marketed specifically to seniors, but didn’t end up choosing any of them for this list. While these cards claim to be tailored to seniors’ needs, we found alternatives that better meet the needs of this demographic. Ultimately, card features mean much more than marketing when it comes to meeting the needs of any audience. When making our picks, we wanted to choose cards that can help seniors make the most of retirement by providing rewards with simple structures, including straightforward redemption systems and options that offer flexibility based on the cardholder’s preferences.

Note that if you do transfer a balance to this card, you’ll need to pay a balance transfer fee of 3% (minimum $5) of the transferred amount. And when the promotional period ends, the variable APR on purchases and balance transfers increases to 14.49% - 24.49%. If you need to pay for an unplanned expense, make a large purchase or pay down high-interest debt, this card gives you plenty of time to do it interest-free. Just try to make sure you can pay off your balance by the end of the intro period to avoid having to carrying a balance while the card has that higher variable APR. To find out more, read our review of the U.S. Bank Visa® Platinum Card. How we picked the best credit cards for seniors
To choose the best cards for seniors, we reviewed dozens of options from a variety of credit card issuers and chose the cards we thought would appeal to the broadest audience of seniors. We looked at cards marketed specifically to seniors, but didn’t end up choosing any of them for this list. While these cards claim to be tailored to seniors’ needs, we found alternatives that better meet the needs of this demographic. Ultimately, card features mean much more than marketing when it comes to meeting the needs of any audience. When making our picks, we wanted to choose cards that can help seniors make the most of retirement by providing rewards with simple structures, including straightforward redemption systems and options that offer flexibility based on the cardholder’s preferences.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 You’ll earn two points for every $1 you spend on purchases that count — earnings that equate to a $1 reward for every $50 you spend. Your rewards can be deposited in several kinds of eligible Fidelity accounts, including certain retirement accounts, HSAs and college savings accounts. This gives you the flexibility to not only boost your retirement savings, but also to help meet healthcare costs or contribute to your children’s or grandchildren’s education. The Fidelity® Rewards Visa Signature card also has no annual fee, so you don’t have to deal with that added cost offsetting your rewards. If you don’t have a Fidelity account but like the idea of this credit card, it might be worth contacting your retirement account provider to find out if it offers a similar option. For additional details, check out our complete review of the Fidelity® Rewards Visa® Signature Card. Best for low ongoing APR: Simmons Visa®
Here’s why: Unlike the other cards we’ve covered so far, the Simmons Visa® won’t earn you rewards or cash back when you use it, but it does offer a low ongoing APR. This feature can help seniors who may need to carry a credit card balance keep interest charges under control.

You’ll earn two points for every $1 you spend on purchases that count — earnings that equate to a $1 reward for every $50 you spend. Your rewards can be deposited in several kinds of eligible Fidelity accounts, including certain retirement accounts, HSAs and college savings accounts. This gives you the flexibility to not only boost your retirement savings, but also to help meet healthcare costs or contribute to your children’s or grandchildren’s education. The Fidelity® Rewards Visa Signature card also has no annual fee, so you don’t have to deal with that added cost offsetting your rewards. If you don’t have a Fidelity account but like the idea of this credit card, it might be worth contacting your retirement account provider to find out if it offers a similar option. For additional details, check out our complete review of the Fidelity® Rewards Visa® Signature Card. Best for low ongoing APR: Simmons Visa®
Here’s why: Unlike the other cards we’ve covered so far, the Simmons Visa® won’t earn you rewards or cash back when you use it, but it does offer a low ongoing APR. This feature can help seniors who may need to carry a credit card balance keep interest charges under control.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 This means you can earn plenty of miles without having to worry about when you need to use your card. While you may not maximize your miles, you’ll limit your time and frustration. The Capital One® Venture® Rewards Credit Card helps you cut down on how much you spend on travel. This allows you to instead focus on seeing the world. The intro annual fee for the first year is $95 which is a nice starting perk. Because you can use miles to book travel through the Capital One travel portal, there’s a lot of flexibility, too. You often won’t have to worry about seating, airline, or hotel restrictions, for instance. You can transfer your Capital One miles to airline partners, too, which gives you a nice boost if you use a specific airline. This is great for retirees wanting to travel on their own time without issues. And you can also redeem the miles you’ve earned for travel statement credits if you want.

This means you can earn plenty of miles without having to worry about when you need to use your card. While you may not maximize your miles, you’ll limit your time and frustration. The Capital One® Venture® Rewards Credit Card helps you cut down on how much you spend on travel. This allows you to instead focus on seeing the world. The intro annual fee for the first year is $95 which is a nice starting perk. Because you can use miles to book travel through the Capital One travel portal, there’s a lot of flexibility, too. You often won’t have to worry about seating, airline, or hotel restrictions, for instance. You can transfer your Capital One miles to airline partners, too, which gives you a nice boost if you use a specific airline. This is great for retirees wanting to travel on their own time without issues. And you can also redeem the miles you’ve earned for travel statement credits if you want.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 The nice thing about this card is that you can make adjustments to your plan at any time. Do this through the Netspend website if you find that a different plan will give you better options. 6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Apply Now
If you’ve entered retirement with bad credit, don’t worry. You can still get a secured credit card. And the Credit One Bank® Unsecured Visa® for Rebuilding Credit is one of our favorites. Many cards penalize you for having poor credit, but this one doesn’t. You’ll get a free copy of your credit score each month, and the annual fee will range depending on your credit score. Get a credit line between $300 and $3,000 based on your credit history, which is a fast and easy way to improve your credit.

The nice thing about this card is that you can make adjustments to your plan at any time. Do this through the Netspend website if you find that a different plan will give you better options. 6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Apply Now
If you’ve entered retirement with bad credit, don’t worry. You can still get a secured credit card. And the Credit One Bank® Unsecured Visa® for Rebuilding Credit is one of our favorites. Many cards penalize you for having poor credit, but this one doesn’t. You’ll get a free copy of your credit score each month, and the annual fee will range depending on your credit score. Get a credit line between $300 and $3,000 based on your credit history, which is a fast and easy way to improve your credit.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
One thing I love about this card is the earnings rate. You’ll get 2X unlimited miles per dollar spent on all your purchases. This includes all purchases, not ones that only fall in specific bonus categories. This means you can earn plenty of miles without having to worry about when you need to use your card. While you may not maximize your miles, you’ll limit your time and frustration. The Capital One® Venture® Rewards Credit Card helps you cut down on how much you spend on travel. This allows you to instead focus on seeing the world. The intro annual fee for the first year is $95 which is a nice starting perk.

2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
One thing I love about this card is the earnings rate. You’ll get 2X unlimited miles per dollar spent on all your purchases. This includes all purchases, not ones that only fall in specific bonus categories. This means you can earn plenty of miles without having to worry about when you need to use your card. While you may not maximize your miles, you’ll limit your time and frustration. The Capital One® Venture® Rewards Credit Card helps you cut down on how much you spend on travel. This allows you to instead focus on seeing the world. The intro annual fee for the first year is $95 which is a nice starting perk.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Because you can use miles to book travel through the Capital One travel portal, there’s a lot of flexibility, too. You often won’t have to worry about seating, airline, or hotel restrictions, for instance. You can transfer your Capital One miles to airline partners, too, which gives you a nice boost if you use a specific airline. This is great for retirees wanting to travel on their own time without issues. And you can also redeem the miles you’ve earned for travel statement credits if you want. The Capital One® Venture® Rewards Credit Card has no foreign transaction fees. This can save you a lot of money when you’re in another country and need to pay for something. You’ll also receive up to $100 credit for Global Entry or TSA Pre-check when you use your Venture card. Finally, the card comes with an excellent signup bonus. You’ll get 50,000 bonus miles after spending $3,000 in the first three months.

Because you can use miles to book travel through the Capital One travel portal, there’s a lot of flexibility, too. You often won’t have to worry about seating, airline, or hotel restrictions, for instance. You can transfer your Capital One miles to airline partners, too, which gives you a nice boost if you use a specific airline. This is great for retirees wanting to travel on their own time without issues. And you can also redeem the miles you’ve earned for travel statement credits if you want. The Capital One® Venture® Rewards Credit Card has no foreign transaction fees. This can save you a lot of money when you’re in another country and need to pay for something. You’ll also receive up to $100 credit for Global Entry or TSA Pre-check when you use your Venture card. Finally, the card comes with an excellent signup bonus. You’ll get 50,000 bonus miles after spending $3,000 in the first three months.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 At the same time, we were mindful that many senior citizens live on a fixed income, so we also tried to select cards with low interest rates and minimal fees — features that may help you keep your finances under control. How to make the most of these credit cards
To make the most of your credit card, choose the type that’s right for you based on your lifestyle, financial situation and how you plan to use it. For example, if you don’t like to travel, it probably doesn’t make sense to get a credit card that offers travel rewards. But getting one that offers cash back may be a good option. At the same time, securing a card with a low APR may not be a priority for you if you don’t carry a balance. Regardless of what type of card you choose, be sure to read the fine print in your card’s terms and conditions. Understanding how rewards systems and payment schedules work can be the difference between a stress-free credit card and one that leads to confusion and fees. Find a credit card that works for me Explore Cards Now
About the author: Jennifer Brozic is a freelance financial services writer with a bachelor’s degree in journalism from the University of Maryland a

At the same time, we were mindful that many senior citizens live on a fixed income, so we also tried to select cards with low interest rates and minimal fees — features that may help you keep your finances under control. How to make the most of these credit cards
To make the most of your credit card, choose the type that’s right for you based on your lifestyle, financial situation and how you plan to use it. For example, if you don’t like to travel, it probably doesn’t make sense to get a credit card that offers travel rewards. But getting one that offers cash back may be a good option. At the same time, securing a card with a low APR may not be a priority for you if you don’t carry a balance. Regardless of what type of card you choose, be sure to read the fine print in your card’s terms and conditions. Understanding how rewards systems and payment schedules work can be the difference between a stress-free credit card and one that leads to confusion and fees. Find a credit card that works for me Explore Cards Now
About the author: Jennifer Brozic is a freelance financial services writer with a bachelor’s degree in journalism from the University of Maryland a

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. This offer is no longer available on our site: Capital One® Venture® Rewards Credit Card
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years. Here’s our take on some of the best cards available in several key categories. Find a credit card that works for me Explore Cards Now
Card
Best for
Capital One® Venture® Rewards Credit Card
Travel
Citi® Double Cash Card
Simple cash back
Fidelity® Rewards Visa Signature Card
Boosting retirement savings
Simmons Visa®
Low ongoing APR
U.S. Bank Visa® Platinum Card
0% intro APR
Best for travel: Capital One® Venture® Rewards Credit Card
From our partner
Capital One® Venture® Rewards Credit Card
0.0/5
0 reviews ➔
From cardholders in the last year
Learn More
Here’s why: The Capital One® Venture® Rewards Credit Card makes it simple to earn and redeem your travel rewards.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. This offer is no longer available on our site: Capital One® Venture® Rewards Credit Card
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years. Here’s our take on some of the best cards available in several key categories. Find a credit card that works for me Explore Cards Now
Card
Best for
Capital One® Venture® Rewards Credit Card
Travel
Citi® Double Cash Card
Simple cash back
Fidelity® Rewards Visa Signature Card
Boosting retirement savings
Simmons Visa®
Low ongoing APR
U.S. Bank Visa® Platinum Card
0% intro APR
Best for travel: Capital One® Venture® Rewards Credit Card
From our partner
Capital One® Venture® Rewards Credit Card
0.0/5
0 reviews ➔
From cardholders in the last year
Learn More
Here’s why: The Capital One® Venture® Rewards Credit Card makes it simple to earn and redeem your travel rewards.

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 It’s accurate to the best of our knowledge when posted. Advertiser Disclosure
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. This offer is no longer available on our site:

It’s accurate to the best of our knowledge when posted. Advertiser Disclosure
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. This offer is no longer available on our site:

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 How we picked the best credit cards for seniors
To choose the best cards for seniors, we reviewed dozens of options from a variety of credit card issuers and chose the cards we thought would appeal to the broadest audience of seniors. We looked at cards marketed specifically to seniors, but didn’t end up choosing any of them for this list. While these cards claim to be tailored to seniors’ needs, we found alternatives that better meet the needs of this demographic. Ultimately, card features mean much more than marketing when it comes to meeting the needs of any audience. When making our picks, we wanted to choose cards that can help seniors make the most of retirement by providing rewards with simple structures, including straightforward redemption systems and options that offer flexibility based on the cardholder’s preferences. At the same time, we were mindful that many senior citizens live on a fixed income, so we also tried to select cards with low interest rates and minimal fees — features that may help you keep your finances under control. How to make the most of these credit cards
To make the most of your credit card, choose the type that’s right for you based on your lifestyle, financial situation and how you plan to use it. For example, if you don’t like to travel, it probably doesn’t make sense to get a credit card that offers travel rewards. But getting one that offers cash back may be a good option. At the same time, securing a card with a low APR may not be a priority for you if you don’t carry a balance.

How we picked the best credit cards for seniors
To choose the best cards for seniors, we reviewed dozens of options from a variety of credit card issuers and chose the cards we thought would appeal to the broadest audience of seniors. We looked at cards marketed specifically to seniors, but didn’t end up choosing any of them for this list. While these cards claim to be tailored to seniors’ needs, we found alternatives that better meet the needs of this demographic. Ultimately, card features mean much more than marketing when it comes to meeting the needs of any audience. When making our picks, we wanted to choose cards that can help seniors make the most of retirement by providing rewards with simple structures, including straightforward redemption systems and options that offer flexibility based on the cardholder’s preferences. At the same time, we were mindful that many senior citizens live on a fixed income, so we also tried to select cards with low interest rates and minimal fees — features that may help you keep your finances under control. How to make the most of these credit cards
To make the most of your credit card, choose the type that’s right for you based on your lifestyle, financial situation and how you plan to use it. For example, if you don’t like to travel, it probably doesn’t make sense to get a credit card that offers travel rewards. But getting one that offers cash back may be a good option. At the same time, securing a card with a low APR may not be a priority for you if you don’t carry a balance.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 It’s easy to add money to your card by bank transfer, direct deposit, MoneyPak, and even through Western Union. Additionally, there are more than 100,000 reload centers located across the country. Make sure if you opt for the Netspend Visa Prepaid Card you choose the best plan for you. Currently, there are three different plans to choose from, each with three levels. Go here to view their current pricing matrix. The nice thing about this card is that you can make adjustments to your plan at any time. Do this through the Netspend website if you find that a different plan will give you better options. 6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Apply Now
If you’ve entered retirement with bad credit, don’t worry.

It’s easy to add money to your card by bank transfer, direct deposit, MoneyPak, and even through Western Union. Additionally, there are more than 100,000 reload centers located across the country. Make sure if you opt for the Netspend Visa Prepaid Card you choose the best plan for you. Currently, there are three different plans to choose from, each with three levels. Go here to view their current pricing matrix. The nice thing about this card is that you can make adjustments to your plan at any time. Do this through the Netspend website if you find that a different plan will give you better options. 6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Apply Now
If you’ve entered retirement with bad credit, don’t worry.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
Learn More
There’s no reason you can’t have a great prepaid card as a retiree and enjoy many of the same benefits of a credit card. The Netspend Visa Prepaid Card is one of the best prepaid cards for retirees. Especially if you want the most versatile prepaid card on the market. I love that you have many options for loading funds, and the card offers high withdrawal limits. This way, you can get the cash you need without a problem. But, there are high fees with this card. This is something you need to be aware of so that you don’t waste a lot of money on fees. There isn’t a credit check to sign up for this card, which is helpful for those with less-than-stellar credit. And because you can enjoy cash back on purchases, it is an excellent option for a lot of retirees.

Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
Learn More
There’s no reason you can’t have a great prepaid card as a retiree and enjoy many of the same benefits of a credit card. The Netspend Visa Prepaid Card is one of the best prepaid cards for retirees. Especially if you want the most versatile prepaid card on the market. I love that you have many options for loading funds, and the card offers high withdrawal limits. This way, you can get the cash you need without a problem. But, there are high fees with this card. This is something you need to be aware of so that you don’t waste a lot of money on fees. There isn’t a credit check to sign up for this card, which is helpful for those with less-than-stellar credit. And because you can enjoy cash back on purchases, it is an excellent option for a lot of retirees.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Beyond that, you’ll get 1% back on additional gas purchases. Outside of the significant cash back on gas, you’ll get: 3% cash back on eligible travel purchases and restaurants
2% cash back on purchases from Costco.com and Costco stores, and
1% back on all other purchases
The variable APR is in line with other cards, too. While this isn’t a terrible thing, you’ll want to make sure you pay your card off in full when you can. 5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
Learn More
There’s no reason you can’t have a great prepaid card as a retiree and enjoy many of the same benefits of a credit card. The Netspend Visa Prepaid Card is one of the best prepaid cards for retirees. Especially if you want the most versatile prepaid card on the market. I love that you have many options for loading funds, and the card offers high withdrawal limits.

Beyond that, you’ll get 1% back on additional gas purchases. Outside of the significant cash back on gas, you’ll get: 3% cash back on eligible travel purchases and restaurants
2% cash back on purchases from Costco.com and Costco stores, and
1% back on all other purchases
The variable APR is in line with other cards, too. While this isn’t a terrible thing, you’ll want to make sure you pay your card off in full when you can. 5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
Learn More
There’s no reason you can’t have a great prepaid card as a retiree and enjoy many of the same benefits of a credit card. The Netspend Visa Prepaid Card is one of the best prepaid cards for retirees. Especially if you want the most versatile prepaid card on the market. I love that you have many options for loading funds, and the card offers high withdrawal limits.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 I’ve found this to be a great way to reduce the amount you have to pay when paying your bill in full each month. Also, you don’t need to complete any particular process to get set up with getting your cash back – it’s automatic. Also, there’s a great signup bonus. Currently, you can get $300 back after you spend $3,000 in the first six months of having your card. One thing to consider with this card is the $95 annual fee, as you want to make sure you’ll earn more back than you pay in fees. 2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
One thing I love about this card is the earnings rate. You’ll get 2X unlimited miles per dollar spent on all your purchases. This includes all purchases, not ones that only fall in specific bonus categories.

I’ve found this to be a great way to reduce the amount you have to pay when paying your bill in full each month. Also, you don’t need to complete any particular process to get set up with getting your cash back – it’s automatic. Also, there’s a great signup bonus. Currently, you can get $300 back after you spend $3,000 in the first six months of having your card. One thing to consider with this card is the $95 annual fee, as you want to make sure you’ll earn more back than you pay in fees. 2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
One thing I love about this card is the earnings rate. You’ll get 2X unlimited miles per dollar spent on all your purchases. This includes all purchases, not ones that only fall in specific bonus categories.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Overview:

Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Overview:

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 I love that there are a few ways to redeem the money you earn, too. This means that you won’t have to worry about how to get your rewards. You can either: Deposit the cash into your bank account
Use it as a statement credit, or
Transfer them as points to your eligible Chase card
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
If you’re a Costco member and are on the road a lot, you need to consider the Costco Anywhere Visa Card. This credit card actually rewards you for spending money on gas. With no annual fee as long as you keep up your paid Costco membership, you’ll enjoy many ways to earn cash back. You’ll also be able to use your card in other countries without paying a foreign transaction fee. This card offers 4% cash back on your eligible gas purchases for the first $7,000 that you spend each year.

I love that there are a few ways to redeem the money you earn, too. This means that you won’t have to worry about how to get your rewards. You can either: Deposit the cash into your bank account
Use it as a statement credit, or
Transfer them as points to your eligible Chase card
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
If you’re a Costco member and are on the road a lot, you need to consider the Costco Anywhere Visa Card. This credit card actually rewards you for spending money on gas. With no annual fee as long as you keep up your paid Costco membership, you’ll enjoy many ways to earn cash back. You’ll also be able to use your card in other countries without paying a foreign transaction fee. This card offers 4% cash back on your eligible gas purchases for the first $7,000 that you spend each year.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Best Credit Cards for Seniors and Retirees
Credit Card
Best For
Blue Cash Preferred® Card from American Express
Grocery Shoppers
Capital One® Venture® Rewards Credit Card
Travelers
Chase Freedom
General Cash Back
Costco Anywhere Visa Card
If You Drive a Lot
Netspend Visa Prepaid Card
If You Prefer a Prepaid Card
Credit One Bank® Unsecured Visa® for Rebuilding Credit
If Your Credit is Bad
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
Learn More
Everyone has to buy groceries. So if you want rewards for making purchases you make anyway, the Blue Cash Preferred® Card from American Express is one of the best. You can earn a lot of cash back each time you head to the grocery store. So it’s an excellent card for those who love to eat in and do a lot of cooking themselves, too. I’ve used other cards that promised high cash back at the store, but they didn’t deliver. Often, it was due to things like rotating categories or low caps on rewards. Well, this one does deliver. When you use the Blue Cash Preferred® Card from American Express at a grocery store, you’ll get 6% cash back, up to a total of $6,000 each year.

Best Credit Cards for Seniors and Retirees
Credit Card
Best For
Blue Cash Preferred® Card from American Express
Grocery Shoppers
Capital One® Venture® Rewards Credit Card
Travelers
Chase Freedom
General Cash Back
Costco Anywhere Visa Card
If You Drive a Lot
Netspend Visa Prepaid Card
If You Prefer a Prepaid Card
Credit One Bank® Unsecured Visa® for Rebuilding Credit
If Your Credit is Bad
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
Learn More
Everyone has to buy groceries. So if you want rewards for making purchases you make anyway, the Blue Cash Preferred® Card from American Express is one of the best. You can earn a lot of cash back each time you head to the grocery store. So it’s an excellent card for those who love to eat in and do a lot of cooking themselves, too. I’ve used other cards that promised high cash back at the store, but they didn’t deliver. Often, it was due to things like rotating categories or low caps on rewards. Well, this one does deliver. When you use the Blue Cash Preferred® Card from American Express at a grocery store, you’ll get 6% cash back, up to a total of $6,000 each year.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 This is equivalent to $500 in travel statement credits. 3. Best Card for General Cash Back: Chase Freedom
The Chase Freedom is for retirees who want to maximize their cash back, and are willing to be strategic. If you keep track of the categories offering rewards, you can earn plenty of cash back. There isn’t an annual fee, but you need to be aware of what categories will get you the highest rewards each quarter. You have to enroll to earn the higher amount of 5% back (up to $1,500) per quarter. Otherwise, you’ll receive 1% back, which is still better than nothing, I guess. The current signup bonus gives you $150 back if you spend $500 or more in the first three months of having the card. For a card with no annual fee and substantial cash back rewards, this is a great bonus.

This is equivalent to $500 in travel statement credits. 3. Best Card for General Cash Back: Chase Freedom
The Chase Freedom is for retirees who want to maximize their cash back, and are willing to be strategic. If you keep track of the categories offering rewards, you can earn plenty of cash back. There isn’t an annual fee, but you need to be aware of what categories will get you the highest rewards each quarter. You have to enroll to earn the higher amount of 5% back (up to $1,500) per quarter. Otherwise, you’ll receive 1% back, which is still better than nothing, I guess. The current signup bonus gives you $150 back if you spend $500 or more in the first three months of having the card. For a card with no annual fee and substantial cash back rewards, this is a great bonus.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 The Chase Sapphire Preferred can streamline things for seniors, said Oliver Browne, a credit industry analyst for Credit Card Insider. " The Chase Sapphire Preferred is a fantastic travel credit card for seniors as it allows them to earn and transfer points to a number of partner loyalty programs," Browne explained. The card is much-loved for its ability to transfer points at a 1-to-1 ratio to airline and hotel travel partners, including United MileagePlus and IHG Rewards Club. This card also offers 2 points per dollar on travel and dining, an added bonus for seniors who want to enjoy the finer things in retirement while still putting some money back in their pocket. 5 / 13
Justin Sullivan/Getty Images
CITI DOUBLE CASH CARD
The major benefit of the Double Cash Card is right in its name, says Andy Misek of Finance Guru. The card provides 1 percent cash back when you make any type of purchase and another 1 percent when you pay, he explained. There are no specific category limits for the purchases. Nor is there a cap on the amount cardholders can earn. In addition, there's no annual fee. " While it doesn't offer the same travel benefits of the Chase Sapphire Preferred credit card, the Citi Double Cash Card offers benefits that aren't as situational," Misek said. "

Best Credit Cards for Seniors | Cheapism.com

12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK

The Chase Sapphire Preferred can streamline things for seniors, said Oliver Browne, a credit industry analyst for Credit Card Insider. " The Chase Sapphire Preferred is a fantastic travel credit card for seniors as it allows them to earn and transfer points to a number of partner loyalty programs," Browne explained. The card is much-loved for its ability to transfer points at a 1-to-1 ratio to airline and hotel travel partners, including United MileagePlus and IHG Rewards Club. This card also offers 2 points per dollar on travel and dining, an added bonus for seniors who want to enjoy the finer things in retirement while still putting some money back in their pocket. 5 / 13
Justin Sullivan/Getty Images
CITI DOUBLE CASH CARD
The major benefit of the Double Cash Card is right in its name, says Andy Misek of Finance Guru. The card provides 1 percent cash back when you make any type of purchase and another 1 percent when you pay, he explained. There are no specific category limits for the purchases. Nor is there a cap on the amount cardholders can earn. In addition, there's no annual fee. " While it doesn't offer the same travel benefits of the Chase Sapphire Preferred credit card, the Citi Double Cash Card offers benefits that aren't as situational," Misek said. "

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Costco Anywhere Visa Card
If you’re a Costco member and are on the road a lot, you need to consider the Costco Anywhere Visa Card. This credit card actually rewards you for spending money on gas. With no annual fee as long as you keep up your paid Costco membership, you’ll enjoy many ways to earn cash back. You’ll also be able to use your card in other countries without paying a foreign transaction fee. This card offers 4% cash back on your eligible gas purchases for the first $7,000 that you spend each year. Beyond that, you’ll get 1% back on additional gas purchases. Outside of the significant cash back on gas, you’ll get: 3% cash back on eligible travel purchases and restaurants
2% cash back on purchases from Costco.com and Costco stores, and
1% back on all other purchases
The variable APR is in line with other cards, too. While this isn’t a terrible thing, you’ll want to make sure you pay your card off in full when you can. 5.

Costco Anywhere Visa Card
If you’re a Costco member and are on the road a lot, you need to consider the Costco Anywhere Visa Card. This credit card actually rewards you for spending money on gas. With no annual fee as long as you keep up your paid Costco membership, you’ll enjoy many ways to earn cash back. You’ll also be able to use your card in other countries without paying a foreign transaction fee. This card offers 4% cash back on your eligible gas purchases for the first $7,000 that you spend each year. Beyond that, you’ll get 1% back on additional gas purchases. Outside of the significant cash back on gas, you’ll get: 3% cash back on eligible travel purchases and restaurants
2% cash back on purchases from Costco.com and Costco stores, and
1% back on all other purchases
The variable APR is in line with other cards, too. While this isn’t a terrible thing, you’ll want to make sure you pay your card off in full when you can. 5.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 Since you get the 5 percent off for all qualifying Target purchases, this can make all of your shopping at the giant retailer cheaper." Another bonus: There is no annual fee. 13 / 13
Courtesy of facebook.com/Discover
DISCOVER IT CASH BACK
The Discover it Cash Back card offers great value for seniors in its first year, says Cetera of FitSmallBusiness. " Discover pays 1 percent on all spending and 5 percent on rotating categories that switch each quarter," Cetera explained. During the first year of card ownership, Discover will also match all of the cash back you earn. That essentially makes this a 2 percent cash-back card on all spending and a 10 percent cash-back card on rotating categories during the first year. " That makes for a pretty great return on any spending a senior citizen might need to do."

Since you get the 5 percent off for all qualifying Target purchases, this can make all of your shopping at the giant retailer cheaper." Another bonus: There is no annual fee. 13 / 13
Courtesy of facebook.com/Discover
DISCOVER IT CASH BACK
The Discover it Cash Back card offers great value for seniors in its first year, says Cetera of FitSmallBusiness. " Discover pays 1 percent on all spending and 5 percent on rotating categories that switch each quarter," Cetera explained. During the first year of card ownership, Discover will also match all of the cash back you earn. That essentially makes this a 2 percent cash-back card on all spending and a 10 percent cash-back card on rotating categories during the first year. " That makes for a pretty great return on any spending a senior citizen might need to do."

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 Compared to millennials, nearly 40 percent of whom shop for groceries online on platforms like Amazon, 85 percent of baby boomers still prefer going to the supermarket." The Blue Cash Preferred card provides 6 percent cash back on groceries, which is the highest of any card on the market, Prakash notes. In addition, it offers 3 percent cash back on fuel purchases, another help for seniors who are continuing to drive, she says. This card also comes with a $250 cash-back offer when spending $1,000 within the first three months. 4 / 13
Courtesy of chase.com
CHASE SAPPHIRE PREFERRED
Juggling credit cards with different rewards and points-redemption methods can get confusing. The Chase Sapphire Preferred can streamline things for seniors, said Oliver Browne, a credit industry analyst for Credit Card Insider. " The Chase Sapphire Preferred is a fantastic travel credit card for seniors as it allows them to earn and transfer points to a number of partner loyalty programs," Browne explained. The card is much-loved for its ability to transfer points at a 1-to-1 ratio to airline and hotel travel partners, including United MileagePlus and IHG Rewards Club. This card also offers 2 points per dollar on travel and dining, an added bonus for seniors who want to enjoy the finer things in retirement while still putting some money back in their pocket. 5 / 13
Justin Sullivan/Getty Images
CITI DOUBLE CASH CARD
The major benefit of the Double Cash Card is right in its name, says Andy Misek of Finance Guru.

Compared to millennials, nearly 40 percent of whom shop for groceries online on platforms like Amazon, 85 percent of baby boomers still prefer going to the supermarket." The Blue Cash Preferred card provides 6 percent cash back on groceries, which is the highest of any card on the market, Prakash notes. In addition, it offers 3 percent cash back on fuel purchases, another help for seniors who are continuing to drive, she says. This card also comes with a $250 cash-back offer when spending $1,000 within the first three months. 4 / 13
Courtesy of chase.com
CHASE SAPPHIRE PREFERRED
Juggling credit cards with different rewards and points-redemption methods can get confusing. The Chase Sapphire Preferred can streamline things for seniors, said Oliver Browne, a credit industry analyst for Credit Card Insider. " The Chase Sapphire Preferred is a fantastic travel credit card for seniors as it allows them to earn and transfer points to a number of partner loyalty programs," Browne explained. The card is much-loved for its ability to transfer points at a 1-to-1 ratio to airline and hotel travel partners, including United MileagePlus and IHG Rewards Club. This card also offers 2 points per dollar on travel and dining, an added bonus for seniors who want to enjoy the finer things in retirement while still putting some money back in their pocket. 5 / 13
Justin Sullivan/Getty Images
CITI DOUBLE CASH CARD
The major benefit of the Double Cash Card is right in its name, says Andy Misek of Finance Guru.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 There is no sign-up bonus, and you do have to pay more than usual for cash advances. But being able to use a credit card to improve and build your credit makes this an excellent option for a lot of retirees. Finally, you can earn points with this secured card. You’ll get 1% cash back, and the rewards will post to your account automatically. Bottom Line
As you can see, there are a lot of great credit cards for retirees to choose from. And deciding what is most import

There is no sign-up bonus, and you do have to pay more than usual for cash advances. But being able to use a credit card to improve and build your credit makes this an excellent option for a lot of retirees. Finally, you can earn points with this secured card. You’ll get 1% cash back, and the rewards will post to your account automatically. Bottom Line
As you can see, there are a lot of great credit cards for retirees to choose from. And deciding what is most import

5 Best Credit Cards for Seniors of 2021 | Credit Karma The 5 best credit cards for seniors of 2021
The 5 best credit cards for seniors of 2021
In a Nutshell
The best credit cards for seniors can help you maintain your financial well-being and make the most of your golden years.
Best for travel: Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Best for simple cash back: Citi® Double Cash Card
Citi® Double Cash Card
Best for boosting retirement savings: Fidelity® Rewards Visa® Signature Card
Best for low ongoing APR: Simmons Visa®
Best for 0% intro APR: U.S. Bank Visa® Platinum Card
How we picked the best credit cards for seniors
How to make the most of these credit cards
 5 Best Credit Cards for Seniors of 2021 | Credit Karma
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The 5 best credit cards for seniors of 2021
Updated December 14, 2020 • 5 min read
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Image: Two seniors shopping at a mall and wondering what kind of good rewards they can get with the best credit cards for seniors
In a Nutshell
The best credit cards for seniors offer straightforward rewards with low interest rates and fees to help keep your finances on track. Read on for our choices for the best credit cards for seniors for travel rewards, cash back, retirement savings, 0% intro APR and low ongoing APR. Written by: Jennifer Brozic
Jennifer Brozic is a personal finance writer and has written for Citi. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content.

5 Best Credit Cards for Seniors of 2021 | Credit Karma
Home /
Shop Credit Cards /
Learn About Credit Cards
The 5 best credit cards for seniors of 2021
Updated December 14, 2020 • 5 min read
This date may not reflect recent changes in individual terms. Close
Share: Click to share on Twitter (Opens in new window)
Click to share on Facebook (Opens in new window)
Click to share on Reddit (Opens in new window)
Image: Two seniors shopping at a mall and wondering what kind of good rewards they can get with the best credit cards for seniors
In a Nutshell
The best credit cards for seniors offer straightforward rewards with low interest rates and fees to help keep your finances on track. Read on for our choices for the best credit cards for seniors for travel rewards, cash back, retirement savings, 0% intro APR and low ongoing APR. Written by: Jennifer Brozic
Jennifer Brozic is a personal finance writer and has written for Citi. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 So it’s an excellent card for those who love to eat in and do a lot of cooking themselves, too. I’ve used other cards that promised high cash back at the store, but they didn’t deliver. Often, it was due to things like rotating categories or low caps on rewards. Well, this one does deliver. When you use the Blue Cash Preferred® Card from American Express at a grocery store, you’ll get 6% cash back, up to a total of $6,000 each year. This is an incredible value. It also offers 3% back at gas stations and on transit. Additionally, you get 1% cash back on your other purchases. When you get your cash back, you’ll receive it in the form of reward dollars. These can then be redeemed as a credit on your statement.

So it’s an excellent card for those who love to eat in and do a lot of cooking themselves, too. I’ve used other cards that promised high cash back at the store, but they didn’t deliver. Often, it was due to things like rotating categories or low caps on rewards. Well, this one does deliver. When you use the Blue Cash Preferred® Card from American Express at a grocery store, you’ll get 6% cash back, up to a total of $6,000 each year. This is an incredible value. It also offers 3% back at gas stations and on transit. Additionally, you get 1% cash back on your other purchases. When you get your cash back, you’ll receive it in the form of reward dollars. These can then be redeemed as a credit on your statement.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 Everyone needs groceries and gas and getting cash back for those purchases is incredibly beneficial." 6 / 13
magnez2/istockphoto
CAPITAL ONE VENTURE REWARDS
Do you travel a lot to see the grandkids or to explore the world? Dan Soschin, chief operating officer of the website CardGuru, says the best option for seniors who do a fair amount of traveling is the Capital One Venture Rewards card. " You'll accumulate ‘miles' on every purchase you make, which can be applied to airline travel with no blackout dates," Soschin said. The card is currently offering two-times the miles for every dollar spent. There's also a 50,000-mile sign-up bonus for those who spend $3,000 within the first three months. " That's roughly equal to $500 in travel," Soschin noted. " This card has plenty of perks including no foreign transaction fees and bonus mile opportunities such as 10x miles on hotel bookings." 7 / 13
helen89/istockphoto
CHASE FREEDOM UNLIMITED
Sometimes, it can be a good idea to keep things simple, suggests Soschin of CardGuru. The Chase Freedom Unlimited does not sacrifice perks for simplicity. "

Everyone needs groceries and gas and getting cash back for those purchases is incredibly beneficial." 6 / 13
magnez2/istockphoto
CAPITAL ONE VENTURE REWARDS
Do you travel a lot to see the grandkids or to explore the world? Dan Soschin, chief operating officer of the website CardGuru, says the best option for seniors who do a fair amount of traveling is the Capital One Venture Rewards card. " You'll accumulate ‘miles' on every purchase you make, which can be applied to airline travel with no blackout dates," Soschin said. The card is currently offering two-times the miles for every dollar spent. There's also a 50,000-mile sign-up bonus for those who spend $3,000 within the first three months. " That's roughly equal to $500 in travel," Soschin noted. " This card has plenty of perks including no foreign transaction fees and bonus mile opportunities such as 10x miles on hotel bookings." 7 / 13
helen89/istockphoto
CHASE FREEDOM UNLIMITED
Sometimes, it can be a good idea to keep things simple, suggests Soschin of CardGuru. The Chase Freedom Unlimited does not sacrifice perks for simplicity. "

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 11 / 13
Courtesy of facebook.com/Wells Fargo
WELLS FARGO PROPEL AMERICAN EXPRESS
While it may offer a slightly lower return than other cards at three times the points on restaurants and take-out, the Wells Fargo Propel American Express also offers three times points on a variety of other spending categories, such as gas stations, rideshares and transit, flights, hotels, car rentals and popular streaming services, says Cetera of FitSmallBusiness. " I'd recommend this card to senior citizens who spend heavily on both dining out and travel," said Cetera said. " What's more there's no annual fee, and you can earn 30,000 bonus points when you spend $3,000 within the first three months." 12 / 13
Target by Mike Mozart ( CC BY)
TARGET REDCARD
Available as either a debit or credit card, the Target REDcard is a good choice for seniors because it will save an instant 5 percent at the checkout, says Cetera of FitSmallBusiness. " This is great for grocery shopping," Cetera said, adding that the card could save consumers hundreds of dollars annually. " Since you get the 5 percent off for all qualifying Target purchases, this can make all of your shopping at the giant retailer cheaper." Another bonus: There is no annual fee. 13 / 13
Courtesy of facebook.com/Discover
DISCOVER IT CASH BACK
The Discover it Cash Back card offers great value for seniors in its first year, says Cetera of FitSmallBusiness. " Discover pays 1 percent on all spending and 5 percent on rotating categories that switch each quarter," Cetera explained.

11 / 13
Courtesy of facebook.com/Wells Fargo
WELLS FARGO PROPEL AMERICAN EXPRESS
While it may offer a slightly lower return than other cards at three times the points on restaurants and take-out, the Wells Fargo Propel American Express also offers three times points on a variety of other spending categories, such as gas stations, rideshares and transit, flights, hotels, car rentals and popular streaming services, says Cetera of FitSmallBusiness. " I'd recommend this card to senior citizens who spend heavily on both dining out and travel," said Cetera said. " What's more there's no annual fee, and you can earn 30,000 bonus points when you spend $3,000 within the first three months." 12 / 13
Target by Mike Mozart ( CC BY)
TARGET REDCARD
Available as either a debit or credit card, the Target REDcard is a good choice for seniors because it will save an instant 5 percent at the checkout, says Cetera of FitSmallBusiness. " This is great for grocery shopping," Cetera said, adding that the card could save consumers hundreds of dollars annually. " Since you get the 5 percent off for all qualifying Target purchases, this can make all of your shopping at the giant retailer cheaper." Another bonus: There is no annual fee. 13 / 13
Courtesy of facebook.com/Discover
DISCOVER IT CASH BACK
The Discover it Cash Back card offers great value for seniors in its first year, says Cetera of FitSmallBusiness. " Discover pays 1 percent on all spending and 5 percent on rotating categories that switch each quarter," Cetera explained.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 You also get 1 percent back on groceries and going out to eat. This is the perfect card for seniors who enjoy going out for dinner ." In addition, every time you use your credit card at as restaurant, 10 cents is donated to AARP. 3 / 13
funky-data/istockphoto
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
Priyanka Prakash, a lending and credit expert at online loan broker Fundera, says the American Express Blue Cash Preferred Card is her top choice for senior citizens for a variety of reasons. " The card provides cash back in areas of spending that are important to baby boomers and seniors," Prakash said. " Compared to millennials, nearly 40 percent of whom shop for groceries online on platforms like Amazon, 85 percent of baby boomers still prefer going to the supermarket." The Blue Cash Preferred card provides 6 percent cash back on groceries, which is the highest of any card on the market, Prakash notes. In addition, it offers 3 percent cash back on fuel purchases, another help for seniors who are continuing to drive, she says. This card also comes with a $250 cash-back offer when spending $1,000 within the first three months. 4 / 13
Courtesy of chase.com
CHASE SAPPHIRE PREFERRED
Juggling credit cards with different rewards and points-redemption methods can get confusing.

You also get 1 percent back on groceries and going out to eat. This is the perfect card for seniors who enjoy going out for dinner ." In addition, every time you use your credit card at as restaurant, 10 cents is donated to AARP. 3 / 13
funky-data/istockphoto
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
Priyanka Prakash, a lending and credit expert at online loan broker Fundera, says the American Express Blue Cash Preferred Card is her top choice for senior citizens for a variety of reasons. " The card provides cash back in areas of spending that are important to baby boomers and seniors," Prakash said. " Compared to millennials, nearly 40 percent of whom shop for groceries online on platforms like Amazon, 85 percent of baby boomers still prefer going to the supermarket." The Blue Cash Preferred card provides 6 percent cash back on groceries, which is the highest of any card on the market, Prakash notes. In addition, it offers 3 percent cash back on fuel purchases, another help for seniors who are continuing to drive, she says. This card also comes with a $250 cash-back offer when spending $1,000 within the first three months. 4 / 13
Courtesy of chase.com
CHASE SAPPHIRE PREFERRED
Juggling credit cards with different rewards and points-redemption methods can get confusing.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 This is an incredible value. It also offers 3% back at gas stations and on transit. Additionally, you get 1% cash back on your other purchases. When you get your cash back, you’ll receive it in the form of reward dollars. These can then be redeemed as a credit on your statement. I’ve found this to be a great way to reduce the amount you have to pay when paying your bill in full each month. Also, you don’t need to complete any particular process to get set up with getting your cash back – it’s automatic. Also, there’s a great signup bonus. Currently, you can get $300 back after you spend $3,000 in the first six months of having your card. One thing to consider with this card is the $95 annual fee, as you want to make sure you’ll earn more back than you pay in fees.

This is an incredible value. It also offers 3% back at gas stations and on transit. Additionally, you get 1% cash back on your other purchases. When you get your cash back, you’ll receive it in the form of reward dollars. These can then be redeemed as a credit on your statement. I’ve found this to be a great way to reduce the amount you have to pay when paying your bill in full each month. Also, you don’t need to complete any particular process to get set up with getting your cash back – it’s automatic. Also, there’s a great signup bonus. Currently, you can get $300 back after you spend $3,000 in the first six months of having your card. One thing to consider with this card is the $95 annual fee, as you want to make sure you’ll earn more back than you pay in fees.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 Best Credit Cards for Seniors | Cheapism.com
FG Trade/istockphoto
Credit Cards
12 Best Credit Cards for Seniors
View Slideshow
Mia Taylor January 07, 2020
1 / 13
FG Trade/istockphoto
PLAYING YOUR CARDS RIGHT
Seniors have different spending priorities and financial realities than those who are younger. This is often tied to the fact that seniors are living on a fixed income made up of retirement funds, Social Security or some combination of both. This reality makes it even more important to choose wisely when opting to use a credit card for purchases and other expenses. With that in mind, Cheapism asked personal finance and credit card industry experts to weigh in on the best credit cards for senior citizens. Here is what they had to say. 2 / 13
AARP. Really? by bisongirl ( CC BY-NC-ND)
AARP CREDIT CARD
The top recommendation, hands down, was the AARP Credit Card from Chase. " The AARP credit card from Chase was specifically made for seniors," said Andy Misek of the website Finance Guru. " You get 3 percent cash back on gas, which is pretty high.

Best Credit Cards for Seniors | Cheapism.com
FG Trade/istockphoto
Credit Cards
12 Best Credit Cards for Seniors
View Slideshow
Mia Taylor January 07, 2020
1 / 13
FG Trade/istockphoto
PLAYING YOUR CARDS RIGHT
Seniors have different spending priorities and financial realities than those who are younger. This is often tied to the fact that seniors are living on a fixed income made up of retirement funds, Social Security or some combination of both. This reality makes it even more important to choose wisely when opting to use a credit card for purchases and other expenses. With that in mind, Cheapism asked personal finance and credit card industry experts to weigh in on the best credit cards for senior citizens. Here is what they had to say. 2 / 13
AARP. Really? by bisongirl ( CC BY-NC-ND)
AARP CREDIT CARD
The top recommendation, hands down, was the AARP Credit Card from Chase. " The AARP credit card from Chase was specifically made for seniors," said Andy Misek of the website Finance Guru. " You get 3 percent cash back on gas, which is pretty high.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 This way, you can get the cash you need without a problem. But, there are high fees with this card. This is something you need to be aware of so that you don’t waste a lot of money on fees. There isn’t a credit check to sign up for this card, which is helpful for those with less-than-stellar credit. And because you can enjoy cash back on purchases, it is an excellent option for a lot of retirees. It’s easy to add money to your card by bank transfer, direct deposit, MoneyPak, and even through Western Union. Additionally, there are more than 100,000 reload centers located across the country. Make sure if you opt for the Netspend Visa Prepaid Card you choose the best plan for you. Currently, there are three different plans to choose from, each with three levels. Go here to view their current pricing matrix.

This way, you can get the cash you need without a problem. But, there are high fees with this card. This is something you need to be aware of so that you don’t waste a lot of money on fees. There isn’t a credit check to sign up for this card, which is helpful for those with less-than-stellar credit. And because you can enjoy cash back on purchases, it is an excellent option for a lot of retirees. It’s easy to add money to your card by bank transfer, direct deposit, MoneyPak, and even through Western Union. Additionally, there are more than 100,000 reload centers located across the country. Make sure if you opt for the Netspend Visa Prepaid Card you choose the best plan for you. Currently, there are three different plans to choose from, each with three levels. Go here to view their current pricing matrix.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Overview: Best Credit Cards for Seniors and Retirees
Credit Card
Best For
Blue Cash Preferred® Card from American Express
Grocery Shoppers
Capital One® Venture® Rewards Credit Card
Travelers
Chase Freedom
General Cash Back
Costco Anywhere Visa Card
If You Drive a Lot
Netspend Visa Prepaid Card
If You Prefer a Prepaid Card
Credit One Bank® Unsecured Visa® for Rebuilding Credit
If Your Credit is Bad
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
Learn More
Everyone has to buy groceries. So if you want rewards for making purchases you make anyway, the Blue Cash Preferred® Card from American Express is one of the best. You can earn a lot of cash back each time you head to the grocery store.

Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Overview: Best Credit Cards for Seniors and Retirees
Credit Card
Best For
Blue Cash Preferred® Card from American Express
Grocery Shoppers
Capital One® Venture® Rewards Credit Card
Travelers
Chase Freedom
General Cash Back
Costco Anywhere Visa Card
If You Drive a Lot
Netspend Visa Prepaid Card
If You Prefer a Prepaid Card
Credit One Bank® Unsecured Visa® for Rebuilding Credit
If Your Credit is Bad
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
Learn More
Everyone has to buy groceries. So if you want rewards for making purchases you make anyway, the Blue Cash Preferred® Card from American Express is one of the best. You can earn a lot of cash back each time you head to the grocery store.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 2 / 13
AARP. Really? by bisongirl ( CC BY-NC-ND)
AARP CREDIT CARD
The top recommendation, hands down, was the AARP Credit Card from Chase. " The AARP credit card from Chase was specifically made for seniors," said Andy Misek of the website Finance Guru. " You get 3 percent cash back on gas, which is pretty high. You also get 1 percent back on groceries and going out to eat. This is the perfect card for seniors who enjoy going out for dinner ." In addition, every time you use your credit card at as restaurant, 10 cents is donated to AARP. 3 / 13
funky-data/istockphoto
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
Priyanka Prakash, a lending and credit expert at online loan broker Fundera, says the American Express Blue Cash Preferred Card is her top choice for senior citizens for a variety of reasons. " The card provides cash back in areas of spending that are important to baby boomers and seniors," Prakash said. "

2 / 13
AARP. Really? by bisongirl ( CC BY-NC-ND)
AARP CREDIT CARD
The top recommendation, hands down, was the AARP Credit Card from Chase. " The AARP credit card from Chase was specifically made for seniors," said Andy Misek of the website Finance Guru. " You get 3 percent cash back on gas, which is pretty high. You also get 1 percent back on groceries and going out to eat. This is the perfect card for seniors who enjoy going out for dinner ." In addition, every time you use your credit card at as restaurant, 10 cents is donated to AARP. 3 / 13
funky-data/istockphoto
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
Priyanka Prakash, a lending and credit expert at online loan broker Fundera, says the American Express Blue Cash Preferred Card is her top choice for senior citizens for a variety of reasons. " The card provides cash back in areas of spending that are important to baby boomers and seniors," Prakash said. "

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
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About the Author
Brittney Mayer
 For most folks, aging and retirement come with many major lifestyle changes, including a number of shifts in their financial needs. As you set out on new adventures, it makes sense to re-evaluate your current credit cards to determine whether they still merit a place in your wallet. You may also want to take a look at the options to see if there are replacements that will better suit your new lifestyle. Travel Rewards | No Foreign Transaction Fees | Cash Back | 0% Intro APR | Low Ongoing APR
Best “Travel Rewards” Cards for Seniors
While the average Baby Boomer may spend around $6,300 on travel in a single year, those who use the right travel rewards credit card for their expenses may be able to cut that number down by an appreciable amount. Travel rewards credit cards offer points or miles on every purchase, which can generally be redeemed for travel-related expenses like flights and hotel stays. Many of our favorite travel cards even come with nice signup bonuses to get you traveling faster. 1. Capital One Venture Rewards Credit Card
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
No foreign transaction fees
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
2.

15 Best Credit Cards for Seniors & Retirees (2021)

15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
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About the Author
Brittney Mayer

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 A credit-card expert for U.S. News & World Report, she notes that it offers a low interest rate (10.5 percent vs. the typical 17 percent) and no annual fee. This card is ideal for seniors who need a basic card that's good for everyday purchases. It's not a great choice for those who are interested in scoring rewards. 10 / 13
RiverNorthPhotography/istockphoto
FIDELITY REWARDS VISA SIGNATURE CARD
Fidelity's card offers a great choice for seniors wanting to add to their retirement accounts or help pay for children's education. In addition to offering unlimited 2 percent cash back on every eligible purchase and no annual fee, it allows cardholders to deposit rewards in up to several eligible Fidelity accounts, among them a retirement account or 529 college savings account. 11 / 13
Courtesy of facebook.com/Wells Fargo
WELLS FARGO PROPEL AMERICAN EXPRESS
While it may offer a slightly lower return than other cards at three times the points on restaurants and take-out, the Wells Fargo Propel American Express also offers three times points on a variety of other spending categories, such as gas stations, rideshares and transit, flights, hotels, car rentals and popular streaming services, says Cetera of FitSmallBusiness. " I'd recommend this card to senior citizens who spend heavily on both dining out and travel," said Cetera said. " What's more there's no annual fee, and you can earn 30,000 bonus points when you spend $3,000 within the first three months." 12 / 13
Target by Mike Mozart ( CC BY)
TARGET REDCARD
Available as either a debit or credit card, the Target REDcard is a good choice for seniors because it will save an instant 5 percent at the checkout, says Cetera of FitSmallBusiness. " This is great for grocery shopping," Cetera said, adding that the card could save consumers hundreds of dollars annually. "

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
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Tweet this article on Twitter
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About the Author
Brittney Mayer
 Co-branded credit cards are typically aligned with a single airline or hotel brand and earn loyalty points for that brand (i.e., an American Airlines co-branded credit card earns American Airlines miles). While the rewards are generally limited to redemption on branded purchases, co-branded cards can often provide additional perks and benefits. Travel cards issued directly by the bank tend to reward generic points or miles that can be redeemed toward travel purchases through the issuer’s own redemption system. This usually means no blackout dates or brand restrictions. Some travel cards will also allow you to transfer your points to partner airline or hotel brands for direct redemption. Best “No Foreign Transaction Fee” Cards for Seniors
Of the millions of seniors planning trips in the next year, nearly half intend to travel internationally. With their security and convenience, credit cards can make traveling abroad much easier — but that ease isn’t always free. For example, making purchases in foreign currencies is simple with a credit card that automatically converts it, but the 2% to 4% foreign transaction fees can get costly. To avoid these fees, you should choose a card that won’t charge foreign transaction fees, like our picks below. 4.

Co-branded credit cards are typically aligned with a single airline or hotel brand and earn loyalty points for that brand (i.e., an American Airlines co-branded credit card earns American Airlines miles). While the rewards are generally limited to redemption on branded purchases, co-branded cards can often provide additional perks and benefits. Travel cards issued directly by the bank tend to reward generic points or miles that can be redeemed toward travel purchases through the issuer’s own redemption system. This usually means no blackout dates or brand restrictions. Some travel cards will also allow you to transfer your points to partner airline or hotel brands for direct redemption. Best “No Foreign Transaction Fee” Cards for Seniors
Of the millions of seniors planning trips in the next year, nearly half intend to travel internationally. With their security and convenience, credit cards can make traveling abroad much easier — but that ease isn’t always free. For example, making purchases in foreign currencies is simple with a credit card that automatically converts it, but the 2% to 4% foreign transaction fees can get costly. To avoid these fees, you should choose a card that won’t charge foreign transaction fees, like our picks below. 4.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
Tweet this article on Twitter
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About the Author
Brittney Mayer
 15 Best Credit Cards for Seniors & Retirees (2021)
home > Credit Card Advice
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
By: Brittney Mayer
Updated: November 5, 2019
With so many options available these days, it may seem impossible to know where to begin when searching for the best credit cards for seniors and retirees. Well, we’ve done some research for you — keep reading for some of our top choices. It’s estimated that by 2030, a full 18% of the US population will be 65 and older, with a projected 10,000 people retiring each day. For most folks, aging and retirement come with many major lifestyle changes, including a number of shifts in their financial needs. As you set out on new adventures, it makes sense to re-evaluate your current credit cards to determine whether they still merit a place in your wallet. You may also want to take a look at the options to see if there are replacements that will better suit your new lifestyle. Travel Rewards | No Foreign Transaction Fees | Cash Back | 0% Intro APR | Low Ongoing APR
Best “Travel Rewards” Cards for Seniors
While the average Baby Boomer may spend around $6,300 on travel in a single year, those who use the right travel rewards credit card for their expenses may be able to cut that number down by an appreciable amount. Travel rewards credit cards offer points or miles on every purchase, which can generally be redeemed for travel-related expenses like flights and hotel stays.

15 Best Credit Cards for Seniors & Retirees (2021)
home > Credit Card Advice
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
By: Brittney Mayer
Updated: November 5, 2019
With so many options available these days, it may seem impossible to know where to begin when searching for the best credit cards for seniors and retirees. Well, we’ve done some research for you — keep reading for some of our top choices. It’s estimated that by 2030, a full 18% of the US population will be 65 and older, with a projected 10,000 people retiring each day. For most folks, aging and retirement come with many major lifestyle changes, including a number of shifts in their financial needs. As you set out on new adventures, it makes sense to re-evaluate your current credit cards to determine whether they still merit a place in your wallet. You may also want to take a look at the options to see if there are replacements that will better suit your new lifestyle. Travel Rewards | No Foreign Transaction Fees | Cash Back | 0% Intro APR | Low Ongoing APR
Best “Travel Rewards” Cards for Seniors
While the average Baby Boomer may spend around $6,300 on travel in a single year, those who use the right travel rewards credit card for their expenses may be able to cut that number down by an appreciable amount. Travel rewards credit cards offer points or miles on every purchase, which can generally be redeemed for travel-related expenses like flights and hotel stays.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
Tweet this article on Twitter
Share this article via Email
About the Author
Brittney Mayer
 Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeem cash back in any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout. #1 Most Trusted Credit Card according to Investor’s Business Daily. See application, terms and details. See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
No foreign transaction fees
See application, terms and details.

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeem cash back in any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout. #1 Most Trusted Credit Card according to Investor’s Business Daily. See application, terms and details. See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
No foreign transaction fees
See application, terms and details.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 The card provides 1 percent cash back when you make any type of purchase and another 1 percent when you pay, he explained. There are no specific category limits for the purchases. Nor is there a cap on the amount cardholders can earn. In addition, there's no annual fee. " While it doesn't offer the same travel benefits of the Chase Sapphire Preferred credit card, the Citi Double Cash Card offers benefits that aren't as situational," Misek said. " Everyone needs groceries and gas and getting cash back for those purchases is incredibly beneficial." 6 / 13
magnez2/istockphoto
CAPITAL ONE VENTURE REWARDS
Do you travel a lot to see the grandkids or to explore the world? Dan Soschin, chief operating officer of the website CardGuru, says the best option for seniors who do a fair amount of traveling is the Capital One Venture Rewards card. " You'll accumulate ‘miles' on every purchase you make, which can be applied to airline travel with no blackout dates," Soschin said. The card is currently offering two-times the miles for every dollar spent.

The card provides 1 percent cash back when you make any type of purchase and another 1 percent when you pay, he explained. There are no specific category limits for the purchases. Nor is there a cap on the amount cardholders can earn. In addition, there's no annual fee. " While it doesn't offer the same travel benefits of the Chase Sapphire Preferred credit card, the Citi Double Cash Card offers benefits that aren't as situational," Misek said. " Everyone needs groceries and gas and getting cash back for those purchases is incredibly beneficial." 6 / 13
magnez2/istockphoto
CAPITAL ONE VENTURE REWARDS
Do you travel a lot to see the grandkids or to explore the world? Dan Soschin, chief operating officer of the website CardGuru, says the best option for seniors who do a fair amount of traveling is the Capital One Venture Rewards card. " You'll accumulate ‘miles' on every purchase you make, which can be applied to airline travel with no blackout dates," Soschin said. The card is currently offering two-times the miles for every dollar spent.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 There's no worrying about bonus miles, points or limited time offers," Soschin said. " Instead, you receive 1.5 percent cash back on everything you purchase. It's that simple, which makes this a great card for seniors who spend a lot and don't want to worry about which credit card to use for various purchases." There is no minimum required for claiming cash-back rewards, and this card also offers a sign-up bonus of up to $150 when you spend $500 in the first three months. " We love this card for its simplicity, its extended warranty feature, and because it has no annual fee," Soschin said. 8 / 13
MikeDotta/shutterstock
UBER VISA
While older Americans may not be the target demographic for Uber rides, that doesn't mean Uber's credit card isn't a good fit for them. Michael Cetera, senior credit analyst for the website FitSmallBusiness, recommends the card for a variety of reasons, not the least of which is its 4 percent cash back on dining. " This is the best cash-back card for dining out that doesn't charge an annual fee," Cetera said. " Because food is such a big part of senior citizens' budgets, nearly 13 percent according to the Bureau of Labor Statistics, finding the right card to reward food spending should be a priority." 9 / 13
Courtesy of facebook.com/Simmons Bank
SIMMONS VISA
A card that is likely less well-known than the others on this list, the Simmons Visa is one of Beverly Herzog's top recommendations for seniors.

There's no worrying about bonus miles, points or limited time offers," Soschin said. " Instead, you receive 1.5 percent cash back on everything you purchase. It's that simple, which makes this a great card for seniors who spend a lot and don't want to worry about which credit card to use for various purchases." There is no minimum required for claiming cash-back rewards, and this card also offers a sign-up bonus of up to $150 when you spend $500 in the first three months. " We love this card for its simplicity, its extended warranty feature, and because it has no annual fee," Soschin said. 8 / 13
MikeDotta/shutterstock
UBER VISA
While older Americans may not be the target demographic for Uber rides, that doesn't mean Uber's credit card isn't a good fit for them. Michael Cetera, senior credit analyst for the website FitSmallBusiness, recommends the card for a variety of reasons, not the least of which is its 4 percent cash back on dining. " This is the best cash-back card for dining out that doesn't charge an annual fee," Cetera said. " Because food is such a big part of senior citizens' budgets, nearly 13 percent according to the Bureau of Labor Statistics, finding the right card to reward food spending should be a priority." 9 / 13
Courtesy of facebook.com/Simmons Bank
SIMMONS VISA
A card that is likely less well-known than the others on this list, the Simmons Visa is one of Beverly Herzog's top recommendations for seniors.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 F inding and using the right credit card makes it easy to get rewarded for your purchases. And it’ll give you the spending power you need to save some serious cash. But as you age and your needs change, it’s crucial that you reconsider your credit card. In this article, I’ll review some of the best credit cards for retirees. Make sure that if you’re retired, you consider one of these so you can enjoy the benefits they have to offer. Table of Contents: Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2.

F inding and using the right credit card makes it easy to get rewarded for your purchases. And it’ll give you the spending power you need to save some serious cash. But as you age and your needs change, it’s crucial that you reconsider your credit card. In this article, I’ll review some of the best credit cards for retirees. Make sure that if you’re retired, you consider one of these so you can enjoy the benefits they have to offer. Table of Contents: Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
Tweet this article on Twitter
Share this article via Email
About the Author
Brittney Mayer
 Many of our favorite travel cards even come with nice signup bonuses to get you traveling faster. 1. Capital One Venture Rewards Credit Card
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
No foreign transaction fees
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
2. Discover it® Miles
at Discover Card's secure website
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Our Review »
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Many of our favorite travel cards even come with nice signup bonuses to get you traveling faster. 1. Capital One Venture Rewards Credit Card
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
No foreign transaction fees
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
2. Discover it® Miles
at Discover Card's secure website
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Our Review »
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 There isn’t an annual fee, but you need to be aware of what categories will get you the highest rewards each quarter. You have to enroll to earn the higher amount of 5% back (up to $1,500) per quarter. Otherwise, you’ll receive 1% back, which is still better than nothing, I guess. The current signup bonus gives you $150 back if you spend $500 or more in the first three months of having the card. For a card with no annual fee and substantial cash back rewards, this is a great bonus. I love that there are a few ways to redeem the money you earn, too. This means that you won’t have to worry about how to get your rewards. You can either: Deposit the cash into your bank account
Use it as a statement credit, or
Transfer them as points to your eligible Chase card
4. Best Card if You Drive a Lot:

There isn’t an annual fee, but you need to be aware of what categories will get you the highest rewards each quarter. You have to enroll to earn the higher amount of 5% back (up to $1,500) per quarter. Otherwise, you’ll receive 1% back, which is still better than nothing, I guess. The current signup bonus gives you $150 back if you spend $500 or more in the first three months of having the card. For a card with no annual fee and substantial cash back rewards, this is a great bonus. I love that there are a few ways to redeem the money you earn, too. This means that you won’t have to worry about how to get your rewards. You can either: Deposit the cash into your bank account
Use it as a statement credit, or
Transfer them as points to your eligible Chase card
4. Best Card if You Drive a Lot:

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 8 / 13
MikeDotta/shutterstock
UBER VISA
While older Americans may not be the target demographic for Uber rides, that doesn't mean Uber's credit card isn't a good fit for them. Michael Cetera, senior credit analyst for the website FitSmallBusiness, recommends the card for a variety of reasons, not the least of which is its 4 percent cash back on dining. " This is the best cash-back card for dining out that doesn't charge an annual fee," Cetera said. " Because food is such a big part of senior citizens' budgets, nearly 13 percent according to the Bureau of Labor Statistics, finding the right card to reward food spending should be a priority." 9 / 13
Courtesy of facebook.com/Simmons Bank
SIMMONS VISA
A card that is likely less well-known than the others on this list, the Simmons Visa is one of Beverly Herzog's top recommendations for seniors. A credit-card expert for U.S. News & World Report, she notes that it offers a low interest rate (10.5 percent vs. the typical 17 percent) and no annual fee. This card is ideal for seniors who need a basic card that's good for everyday purchases. It's not a great choice for those who are interested in scoring rewards. 10 / 13
RiverNorthPhotography/istockphoto
FIDELITY REWARDS VISA SIGNATURE CARD
Fidelity's card offers a great choice for seniors wanting to add to their retirement accounts or help pay for children's education. In addition to offering unlimited 2 percent cash back on every eligible purchase and no annual fee, it allows cardholders to deposit rewards in up to several eligible Fidelity accounts, among them a retirement account or 529 college savings account.

8 / 13
MikeDotta/shutterstock
UBER VISA
While older Americans may not be the target demographic for Uber rides, that doesn't mean Uber's credit card isn't a good fit for them. Michael Cetera, senior credit analyst for the website FitSmallBusiness, recommends the card for a variety of reasons, not the least of which is its 4 percent cash back on dining. " This is the best cash-back card for dining out that doesn't charge an annual fee," Cetera said. " Because food is such a big part of senior citizens' budgets, nearly 13 percent according to the Bureau of Labor Statistics, finding the right card to reward food spending should be a priority." 9 / 13
Courtesy of facebook.com/Simmons Bank
SIMMONS VISA
A card that is likely less well-known than the others on this list, the Simmons Visa is one of Beverly Herzog's top recommendations for seniors. A credit-card expert for U.S. News & World Report, she notes that it offers a low interest rate (10.5 percent vs. the typical 17 percent) and no annual fee. This card is ideal for seniors who need a basic card that's good for everyday purchases. It's not a great choice for those who are interested in scoring rewards. 10 / 13
RiverNorthPhotography/istockphoto
FIDELITY REWARDS VISA SIGNATURE CARD
Fidelity's card offers a great choice for seniors wanting to add to their retirement accounts or help pay for children's education. In addition to offering unlimited 2 percent cash back on every eligible purchase and no annual fee, it allows cardholders to deposit rewards in up to several eligible Fidelity accounts, among them a retirement account or 529 college savings account.

Best Credit Cards for Seniors | Cheapism.com 12 Best Credit Cards for Seniors
12 Best Credit Cards for Seniors
PLAYING YOUR CARDS RIGHT
AARP CREDIT CARD
AMERICAN EXPRESS BLUE CASH PREFERRED CARD
CHASE SAPPHIRE PREFERRED
CITI DOUBLE CASH CARD
CAPITAL ONE VENTURE REWARDS
CHASE FREEDOM UNLIMITED
UBER VISA
SIMMONS VISA
FIDELITY REWARDS VISA SIGNATURE CARD
WELLS FARGO PROPEL AMERICAN EXPRESS
TARGET REDCARD
DISCOVER IT CASH BACK
 There's also a 50,000-mile sign-up bonus for those who spend $3,000 within the first three months. " That's roughly equal to $500 in travel," Soschin noted. " This card has plenty of perks including no foreign transaction fees and bonus mile opportunities such as 10x miles on hotel bookings." 7 / 13
helen89/istockphoto
CHASE FREEDOM UNLIMITED
Sometimes, it can be a good idea to keep things simple, suggests Soschin of CardGuru. The Chase Freedom Unlimited does not sacrifice perks for simplicity. " There's no worrying about bonus miles, points or limited time offers," Soschin said. " Instead, you receive 1.5 percent cash back on everything you purchase. It's that simple, which makes this a great card for seniors who spend a lot and don't want to worry about which credit card to use for various purchases." There is no minimum required for claiming cash-back rewards, and this card also offers a sign-up bonus of up to $150 when you spend $500 in the first three months. " We love this card for its simplicity, its extended warranty feature, and because it has no annual fee," Soschin said.

There's also a 50,000-mile sign-up bonus for those who spend $3,000 within the first three months. " That's roughly equal to $500 in travel," Soschin noted. " This card has plenty of perks including no foreign transaction fees and bonus mile opportunities such as 10x miles on hotel bookings." 7 / 13
helen89/istockphoto
CHASE FREEDOM UNLIMITED
Sometimes, it can be a good idea to keep things simple, suggests Soschin of CardGuru. The Chase Freedom Unlimited does not sacrifice perks for simplicity. " There's no worrying about bonus miles, points or limited time offers," Soschin said. " Instead, you receive 1.5 percent cash back on everything you purchase. It's that simple, which makes this a great card for seniors who spend a lot and don't want to worry about which credit card to use for various purchases." There is no minimum required for claiming cash-back rewards, and this card also offers a sign-up bonus of up to $150 when you spend $500 in the first three months. " We love this card for its simplicity, its extended warranty feature, and because it has no annual fee," Soschin said.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
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About the Author
Brittney Mayer
 See application, terms and details. See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won't expire for the life of the account and there's no limit to how many you can earn
Transfer your miles to over 15+ travel loyalty programs
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
+See More Cards with Travel Rewards
In your research, you’ll come across two main types of travel rewards credit cards: co-branded and bank-branded. Co-branded credit cards are typically aligned with a single airline or hotel brand and earn loyalty points for that brand (i.e., an American Airlines co-branded credit card earns American Airlines miles). While the rewards are generally limited to redemption on branded purchases, co-branded cards can often provide additional perks and benefits. Travel cards issued directly by the bank tend to reward generic points or miles that can be redeemed toward travel purchases through the issuer’s own redemption system. This usually means no blackout dates or brand restrictions. Some travel cards will also allow you to transfer your points to partner airline or hotel brands for direct redemption.

6 Best Credit Cards for Seniors Retirees 2021 6 Best Credit Cards for Seniors and Retirees
6 Best Credit Cards for Seniors and Retirees
Retiring soon? Then it might also be time to retire your current credit card. Here's our list of the 6 best credit cards for retirees.
Table of Contents:
Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot: Costco Anywhere Visa Card
5. Best Card if You Want a Prepaid Card Instead: Netspend Visa Prepaid Card
6. Best Card if Your Credit is Still Bad: Credit One Bank® Unsecured Visa® for Rebuilding Credit
Bottom Line
Also Read:
Author Bio
Chris Muller
 Table of Contents: Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot:

Table of Contents: Overview: Best Credit Cards for Seniors and Retirees
1. Best Card for Grocery Shoppers: Blue Cash Preferred® Card from American Express
2. Best Card for Travelers: Capital One® Venture® Rewards Credit Card
3. Best Card for General Cash Back: Chase Freedom
4. Best Card if You Drive a Lot:

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
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About the Author
Brittney Mayer
 #1 Most Trusted Credit Card according to Investor’s Business Daily. See application, terms and details. See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
No foreign transaction fees
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
6. Chase Sapphire Reserve®
at Chase's secure website
BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
Our Review »
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
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About the Author
Brittney Mayer
 Best “No Foreign Transaction Fee” Cards for Seniors
Of the millions of seniors planning trips in the next year, nearly half intend to travel internationally. With their security and convenience, credit cards can make traveling abroad much easier — but that ease isn’t always free. For example, making purchases in foreign currencies is simple with a credit card that automatically converts it, but the 2% to 4% foreign transaction fees can get costly. To avoid these fees, you should choose a card that won’t charge foreign transaction fees, like our picks below. 4. Discover it® Cash Back
at Discover Card's secure website
BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
Our Review »
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Best “No Foreign Transaction Fee” Cards for Seniors
Of the millions of seniors planning trips in the next year, nearly half intend to travel internationally. With their security and convenience, credit cards can make traveling abroad much easier — but that ease isn’t always free. For example, making purchases in foreign currencies is simple with a credit card that automatically converts it, but the 2% to 4% foreign transaction fees can get costly. To avoid these fees, you should choose a card that won’t charge foreign transaction fees, like our picks below. 4. Discover it® Cash Back
at Discover Card's secure website
BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
Our Review »
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
Tweet this article on Twitter
Share this article via Email
About the Author
Brittney Mayer
 Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
6. Chase Sapphire Reserve®
at Chase's secure website
BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
Our Review »
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent
+See More Cards with No Foreign Transaction Fees
Some foreign merchants may offer you dynamic currency conversion (DCC), which basically means they’ll convert their prices to US dollars for you before running your credit card. DCC can seem like a convenient way to avoid foreign transaction fees, but it’s rarely the best way to get a good conversion rate since the merchant can choose the rate. What’s more, your issuer may still consider the transaction to be foreign and charge you a fee anyway. Best “Cash Back” Cards for Seniors
Those who see the articles on complicated schemes to maximize rewards for free travel may be intimidated into thinking credit card rewards are too complicated.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
Tweet this article on Twitter
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About the Author
Brittney Mayer
 However you redeem, Miles keep the same value. And Miles never expire. No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card. Discover is accepted nationwide by 99% of the places that take credit cards. See application, terms and details. See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won't expire for the life of the account and there's no limit to how many you can earn
Transfer your miles to over 15+ travel loyalty programs
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
+See More Cards with Travel Rewards
In your research, you’ll come across two main types of travel rewards credit cards: co-branded and bank-branded.

However you redeem, Miles keep the same value. And Miles never expire. No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card. Discover is accepted nationwide by 99% of the places that take credit cards. See application, terms and details. See Rates & Fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won't expire for the life of the account and there's no limit to how many you can earn
Transfer your miles to over 15+ travel loyalty programs
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
+See More Cards with Travel Rewards
In your research, you’ll come across two main types of travel rewards credit cards: co-branded and bank-branded.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
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Brittney Mayer
 For example, 60,000 points are worth $900 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent
+See More Cards with No Foreign Transaction Fees
Some foreign merchants may offer you dynamic currency conversion (DCC), which basically means they’ll convert their prices to US dollars for you before running your credit card. DCC can seem like a convenient way to avoid foreign transaction fees, but it’s rarely the best way to get a good conversion rate since the merchant can choose the rate. What’s more, your issuer may still consider the transaction to be foreign and charge you a fee anyway. Best “Cash Back” Cards for Seniors
Those who see the articles on complicated schemes to maximize rewards for free travel may be intimidated into thinking credit card rewards are too complicated. But not all rewards credit cards come with convoluted transfers and three-digit annual fees. For many, the simplest form of credit card rewards is cash back, with straightforward, flat-rate redemption that won’t require a spreadsheet to master. Some of our favorite cash back cards can provide up to 5% cash back on elig

For example, 60,000 points are worth $900 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
See application, terms and details. Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent
+See More Cards with No Foreign Transaction Fees
Some foreign merchants may offer you dynamic currency conversion (DCC), which basically means they’ll convert their prices to US dollars for you before running your credit card. DCC can seem like a convenient way to avoid foreign transaction fees, but it’s rarely the best way to get a good conversion rate since the merchant can choose the rate. What’s more, your issuer may still consider the transaction to be foreign and charge you a fee anyway. Best “Cash Back” Cards for Seniors
Those who see the articles on complicated schemes to maximize rewards for free travel may be intimidated into thinking credit card rewards are too complicated. But not all rewards credit cards come with convoluted transfers and three-digit annual fees. For many, the simplest form of credit card rewards is cash back, with straightforward, flat-rate redemption that won’t require a spreadsheet to master. Some of our favorite cash back cards can provide up to 5% cash back on elig

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
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About the Author
Brittney Mayer
 Discover it® Cash Back
at Discover Card's secure website
BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
Our Review »
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeem cash back in any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout.

Discover it® Cash Back
at Discover Card's secure website
BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
Our Review »
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeem cash back in any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout.

15 Best Credit Cards for Seniors & Retirees (2021) 15 Best Credit Cards for Seniors & Retirees in 2021
15 Best Credit Cards for Seniors & Retirees in 2021
credit card advice
Best “Travel Rewards” Cards for Seniors
1. Capital One Venture Rewards Credit Card
AIR MILES RATING
2. Discover it® Miles
AIR MILES RATING
3. Capital One VentureOne Rewards Credit Card
AIR MILES RATING
+See More Cards with Travel Rewards
Best “No Foreign Transaction Fee” Cards for Seniors
4. Discover it® Cash Back
BEST OVERALL RATING
5. Capital One Venture Rewards Credit Card
BEST OVERALL RATING
6. Chase Sapphire Reserve®
BEST OVERALL RATING
+See More Cards with No Foreign Transaction Fees
Best “Cash Back” Cards for Seniors
7. Capital One Quicksilver Cash Rewards Credit Card
CASH BACK RATING
8. Discover it® Cash Back
CASH BACK RATING
9. Capital One SavorOne Cash Rewards Credit Card
CASH BACK RATING
+See More Cards with Cash Back
Best “0% Intro APR” Cards for Seniors
10. Chase Freedom Unlimited®
0% INTRO APR RATING
11. Capital One Quicksilver Cash Rewards Credit Card
0% INTRO APR RATING
12. U.S. Bank Visa® Platinum Card
0% INTRO APR RATING
+See More Cards with 0% Intro APR Offers
Best “Low Ongoing APR” Cards for Seniors
13. Discover it® Cash Back
LOW APR RATING
14. Applied Bank® Secured Visa® Gold Preferred® Credit Card
LOW APR RATING
15. Discover it® chrome
LOW APR RATING
+See More Cards with Low Ongoing APRs
Spend Wisely in Your Retirement
Share This Article
Tweet this article on Twitter
Share this article via Email
About the Author
Brittney Mayer
 Discover it® Miles
at Discover Card's secure website
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Our Review »
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. New! Redeem Miles to pay any part of your monthly bill, including your minimum payment. Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates.

Discover it® Miles
at Discover Card's secure website
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
Our Review »
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. New! Redeem Miles to pay any part of your monthly bill, including your minimum payment. Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates.

How Seniors Can Get Help With Credit Card Debt | US News How Seniors Can Get Help With Credit Card Debt
How Seniors Can Get Help With Credit Card Debt
Address debt right away, and live within your means to prevent unforeseen problems.
Is Credit Card Debt an Issue for Senior Citizens?
Why Are More Seniors Using Credit Cards?
How Seniors Can Manage Credit Card Debt
Getting Credit Card Debt Help
Credit Card Debt After Death
How Seniors Can Avoid Using Credit Cards
Planning for a Debt-Free Retirement
 How Seniors Can Get Help With Credit Card Debt | US News
Best Credit Cards
Money
Home
How Seniors Can Get Help With Credit Card Debt
Address debt right away, and live within your means to prevent unforeseen problems. By Bob Musinski
|
Feb. 27, 2019
By Bob Musinski
|
Feb. 27, 2019, at 9:48 a.m.
Help For Seniors With Credit Card Debt
More
Senior citizens can be prone to debt because many of them rely on Social Security, meaning they have a fixed income. ( Getty Images)
Revolving credit card debt can be a problem at any age, but it's especially troublesome when you're retired and on a fixed income. Unfortunately, credit cards have become the lender of last resort for some senior citizens who often face medical-related expenses on top of ongoing cost increases in housing, utilities and food. Here is a look at the problem, ways to deal with credit card debt at an advanced age and how to avoid this problem as you approach retirement. [
Read: Best Low-Interest Credit Cards. ] Is Credit Card Debt an Issue for Senior Citizens? Credit card debt has increased among families headed by someone age 65 and older in the last couple of decades, according to a 2018 report from the Employee Benefit Research Institute: In 2016, 42 percent of households headed by someone 65 to 74 years old reported credit card debt, a 10 percent increase from 1992.

How Seniors Can Get Help With Credit Card Debt | US News

How Seniors Can Get Help With Credit Card Debt
How Seniors Can Get Help With Credit Card Debt
Address debt right away, and live within your means to prevent unforeseen problems.
Is Credit Card Debt an Issue for Senior Citizens?
Why Are More Seniors Using Credit Cards?
How Seniors Can Manage Credit Card Debt
Getting Credit Card Debt Help
Credit Card Debt After Death
How Seniors Can Avoid Using Credit Cards
Planning for a Debt-Free Retirement

How Seniors Can Get Help With Credit Card Debt | US News
Best Credit Cards
Money
Home
How Seniors Can Get Help With Credit Card Debt
Address debt right away, and live within your means to prevent unforeseen problems. By Bob Musinski
|
Feb. 27, 2019
By Bob Musinski
|
Feb. 27, 2019, at 9:48 a.m.
Help For Seniors With Credit Card Debt
More
Senior citizens can be prone to debt because many of them rely on Social Security, meaning they have a fixed income. ( Getty Images)
Revolving credit card debt can be a problem at any age, but it's especially troublesome when you're retired and on a fixed income. Unfortunately, credit cards have become the lender of last resort for some senior citizens who often face medical-related expenses on top of ongoing cost increases in housing, utilities and food. Here is a look at the problem, ways to deal with credit card debt at an advanced age and how to avoid this problem as you approach retirement. [
Read: Best Low-Interest Credit Cards. ] Is Credit Card Debt an Issue for Senior Citizens? Credit card debt has increased among families headed by someone age 65 and older in the last couple of decades, according to a 2018 report from the Employee Benefit Research Institute: In 2016, 42 percent of households headed by someone 65 to 74 years old reported credit card debt, a 10 percent increase from 1992.

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 First things first, good job increasing your scores and setting such an amazing goal as homeownership, Diana! Continue paying down your card – you want your credit utilization (how much of your credit line you’re using) to be under 35% at all times. And make sure to ask for a credit limit increase to make that easier. The biggest favor you could do yourself is to never carry a balance, since cardholders with fair FICO scores (under 670) can rarely count on low APRs, no matter the card. As for the best card for you, I often get this kind of question from my friends – especially those in their twenties, who are either just starting out to build their credit or working on improving it after a few mistakes they’ve made. Since I’m a big credit card nerd, I love helping them out – and I’ll gladly help you out too. In this article, I’m going to share the best credit cards for young adults, whether they’ve reached the good credit threshold or, like Diana, are only just getting there. Best credit cards for young adults
Secured Mastercard® from Capital One: Best for low credit scores
Discover it® Student Cash Back: Best for students
Chase Freedom Unlimited®:

Best credit cards for young adults in 2021 | CreditCards.com

Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report

First things first, good job increasing your scores and setting such an amazing goal as homeownership, Diana! Continue paying down your card – you want your credit utilization (how much of your credit line you’re using) to be under 35% at all times. And make sure to ask for a credit limit increase to make that easier. The biggest favor you could do yourself is to never carry a balance, since cardholders with fair FICO scores (under 670) can rarely count on low APRs, no matter the card. As for the best card for you, I often get this kind of question from my friends – especially those in their twenties, who are either just starting out to build their credit or working on improving it after a few mistakes they’ve made. Since I’m a big credit card nerd, I love helping them out – and I’ll gladly help you out too. In this article, I’m going to share the best credit cards for young adults, whether they’ve reached the good credit threshold or, like Diana, are only just getting there. Best credit cards for young adults
Secured Mastercard® from Capital One: Best for low credit scores
Discover it® Student Cash Back: Best for students
Chase Freedom Unlimited®:

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 Best for young adults with low credit scores
Many young people may find it hard to qualify for the majority of credit cards when they’re just starting their credit journey or if their credit scores are on the low side. In this case, a secured credit card is a good option. It’s called “secured” because you need to secure it with a deposit to get approved. Typically, the deposit becomes your credit line. See related: What is the difference between secured and unsecured debt? My recommendation here is the Secured Mastercard from Capital One. I may be a bit biased because this was the secured credit card I’d chosen, but I couldn’t be happier with it. The initial security deposit is low (up to $200, depending on your credit), and you get a $200 credit line to start. You can get access to a higher credit line after six months of on-time payments without paying more toward the deposit, which is a requirement many other secured cards have.

Best for young adults with low credit scores
Many young people may find it hard to qualify for the majority of credit cards when they’re just starting their credit journey or if their credit scores are on the low side. In this case, a secured credit card is a good option. It’s called “secured” because you need to secure it with a deposit to get approved. Typically, the deposit becomes your credit line. See related: What is the difference between secured and unsecured debt? My recommendation here is the Secured Mastercard from Capital One. I may be a bit biased because this was the secured credit card I’d chosen, but I couldn’t be happier with it. The initial security deposit is low (up to $200, depending on your credit), and you get a $200 credit line to start. You can get access to a higher credit line after six months of on-time payments without paying more toward the deposit, which is a requirement many other secured cards have.

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 My colleague recently shared with me a question he’d received from our reader, Diana: “Can you give me a clue of which credit card would be best for me? I am trying to build my credit to buy a home in the future. My score went up 34 points, I’m happy about that. My score’s at 654 right now. I would like a credit card with a low interest rate if possible. What would you recommend? I only have one credit card with a $300 credit limit. I’m almost finished paying it off. I only have a $100 left to pay.”

My colleague recently shared with me a question he’d received from our reader, Diana: “Can you give me a clue of which credit card would be best for me? I am trying to build my credit to buy a home in the future. My score went up 34 points, I’m happy about that. My score’s at 654 right now. I would like a credit card with a low interest rate if possible. What would you recommend? I only have one credit card with a $300 credit limit. I’m almost finished paying it off. I only have a $100 left to pay.”

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 What is the difference between secured and unsecured debt? My recommendation here is the Secured Mastercard from Capital One. I may be a bit biased because this was the secured credit card I’d chosen, but I couldn’t be happier with it. The initial security deposit is low (up to $200, depending on your credit), and you get a $200 credit line to start. You can get access to a higher credit line after six months of on-time payments without paying more toward the deposit, which is a requirement many other secured cards have. There’s also no annual fee. Additionally, the Capital One Secured is easy to upgrade. True story: After a year and a half of card membership, my credit limit was raised from $500 to $1,500 automatically. That led me to believe that Capital One was happy with me.

What is the difference between secured and unsecured debt? My recommendation here is the Secured Mastercard from Capital One. I may be a bit biased because this was the secured credit card I’d chosen, but I couldn’t be happier with it. The initial security deposit is low (up to $200, depending on your credit), and you get a $200 credit line to start. You can get access to a higher credit line after six months of on-time payments without paying more toward the deposit, which is a requirement many other secured cards have. There’s also no annual fee. Additionally, the Capital One Secured is easy to upgrade. True story: After a year and a half of card membership, my credit limit was raised from $500 to $1,500 automatically. That led me to believe that Capital One was happy with me.

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
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Your credit cards journey is officially underway. Keep an eye on your inbox—we’ll be sending over your first message soon. If you’re working on your degree, why not work on building your credit at the same time? The Discover it Student Cash Back card is a starter credit card designed for students with no credit history, and it offers you an opportunity to learn how to use credit while you complete your college education. Plus, you’ll earn cash back rewards. The Discover it Student Cash Back card comes with a number of benefits, including no annual fee and no late fee on your first missed payment (after that, up to $40). ( But please, don’t make late payments a habit. Trust me.) You can also earn 5% cash back on rotating categories that you enroll in each quarter – for up to $1,500 in purchases per quarter, then 1% – so go ahead and buy all the study snacks you can afford. You’ll earn 1% cash back on all other purchases, as well as a $20 Good Grade Reward every year you keep your GPA 3.0 or higher (for up to 5 years).

Enter your email address
By providing my email address, I agree to CreditCards.com’s Privacy Policy
Your credit cards journey is officially underway. Keep an eye on your inbox—we’ll be sending over your first message soon. If you’re working on your degree, why not work on building your credit at the same time? The Discover it Student Cash Back card is a starter credit card designed for students with no credit history, and it offers you an opportunity to learn how to use credit while you complete your college education. Plus, you’ll earn cash back rewards. The Discover it Student Cash Back card comes with a number of benefits, including no annual fee and no late fee on your first missed payment (after that, up to $40). ( But please, don’t make late payments a habit. Trust me.) You can also earn 5% cash back on rotating categories that you enroll in each quarter – for up to $1,500 in purchases per quarter, then 1% – so go ahead and buy all the study snacks you can afford. You’ll earn 1% cash back on all other purchases, as well as a $20 Good Grade Reward every year you keep your GPA 3.0 or higher (for up to 5 years).

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 So, I called the issuer and asked if I could upgrade, and after a five-minute conversation, my secured card was upgraded to the cash-back earning Capital One Quicksilver Cash Rewards Credit Card. It’s important to note, though, that Capital One doesn’t offer a standardized schedule for upgrading from this card, so my experience might not be true for everyone. Even taking this into account, the Capital One Secured is still a solid choice for building your credit when it’s not in the best shape. Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Subscribe to get the week’s most important news in your inbox every week. Enter your email address
By providing my email address, I agree to CreditCards.com’s Privacy Policy
Your credit cards journey is officially underway. Keep an eye on your inbox—we’ll be sending over your first message soon. If you’re working on your degree, why not work on building your credit at the same time? The Discover it Student Cash Back card is a starter credit card designed for students with no credit history, and it offers you an opportunity to learn how to use credit while you complete your college education. Plus, you’ll earn cash back rewards.

So, I called the issuer and asked if I could upgrade, and after a five-minute conversation, my secured card was upgraded to the cash-back earning Capital One Quicksilver Cash Rewards Credit Card. It’s important to note, though, that Capital One doesn’t offer a standardized schedule for upgrading from this card, so my experience might not be true for everyone. Even taking this into account, the Capital One Secured is still a solid choice for building your credit when it’s not in the best shape. Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Subscribe to get the week’s most important news in your inbox every week. Enter your email address
By providing my email address, I agree to CreditCards.com’s Privacy Policy
Your credit cards journey is officially underway. Keep an eye on your inbox—we’ll be sending over your first message soon. If you’re working on your degree, why not work on building your credit at the same time? The Discover it Student Cash Back card is a starter credit card designed for students with no credit history, and it offers you an opportunity to learn how to use credit while you complete your college education. Plus, you’ll earn cash back rewards.

Best Credit Cards for Recent College Graduates – Forbes Advisor Best Credit Cards For Recent College Graduates In June 2021
Best Credit Cards For Recent College Graduates In June 2021
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
Best for Rewards and 0% APR
Chase Freedom Unlimited®
Best Secured Credit Card Option
Discover it® Secured Credit Card
Best for Debt Consolidation
Citi Simplicity® Card *
Best for Amazon Prime Members
Amazon Prime Rewards Visa Signature Card *
Best for Groceries
Amex EveryDay® Credit Card *
Methodology
Best Credit Cards for College Graduates in 2020
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Chase Sapphire Preferred® Card
Chase Freedom Unlimited®
Discover it® Secured Credit Card
Citi Simplicity® Card
Amazon Prime Rewards Visa Signature Card
Amex EveryDay® Credit Card
QuicksilverOne from Capital One *
How to Pick a Credit Card As a Recent College Graduate
Frequently Asked Questions (FAQs)
Which is the best overall credit card for recent college graduates?
What is the best credit card for a college student with no credit?
Can I apply for a credit card if I am unemployed?
How can recent graduates use credit cards responsibly?
Which credit card offers the best rewards?
Holly Johnson
Caroline Lupini
 Best Credit Cards for Recent College Graduates – Forbes Advisor

Best Credit Cards For Recent College Graduates In June 2021
Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. College graduates are often stuck between a rock and a hard place when it comes to building credit. Outside of student loans, they may not have any lines of credit entirely in their name. As a result, getting approved for credit cards and loans can be difficult at first. Applying for a credit card is an excellent step in the credit-building process, partly because some credit cards are geared to college graduates who are starting to build credit for the first time. If you’re a recent college graduate who is thinking of signing up for a credit card, you should take the time to learn more about the top offers and how to use them to your advantage. SHOW MORE
Show Summary +
Petal® 2 “Cash Back, No Fees” Visa® Credit Card: Best Overall For Recent College Graduates
Chase Sapphire Preferred® Card: Best for Flexible Rewards
Chase Freedom Unlimited®:

Best Credit Cards for Recent College Graduates – Forbes Advisor

Best Credit Cards For Recent College Graduates In June 2021
Best Credit Cards For Recent College Graduates In June 2021
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
Best for Rewards and 0% APR
Chase Freedom Unlimited®
Best Secured Credit Card Option
Discover it® Secured Credit Card
Best for Debt Consolidation
Citi Simplicity® Card *
Best for Amazon Prime Members
Amazon Prime Rewards Visa Signature Card *
Best for Groceries
Amex EveryDay® Credit Card *
Methodology
Best Credit Cards for College Graduates in 2020
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Chase Sapphire Preferred® Card
Chase Freedom Unlimited®
Discover it® Secured Credit Card
Citi Simplicity® Card
Amazon Prime Rewards Visa Signature Card
Amex EveryDay® Credit Card
QuicksilverOne from Capital One *
How to Pick a Credit Card As a Recent College Graduate
Frequently Asked Questions (FAQs)
Which is the best overall credit card for recent college graduates?
What is the best credit card for a college student with no credit?
Can I apply for a credit card if I am unemployed?
How can recent graduates use credit cards responsibly?
Which credit card offers the best rewards?
Holly Johnson
Caroline Lupini

Best Credit Cards for Recent College Graduates – Forbes Advisor

Best Credit Cards For Recent College Graduates In June 2021
Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. College graduates are often stuck between a rock and a hard place when it comes to building credit. Outside of student loans, they may not have any lines of credit entirely in their name. As a result, getting approved for credit cards and loans can be difficult at first. Applying for a credit card is an excellent step in the credit-building process, partly because some credit cards are geared to college graduates who are starting to build credit for the first time. If you’re a recent college graduate who is thinking of signing up for a credit card, you should take the time to learn more about the top offers and how to use them to your advantage. SHOW MORE
Show Summary +
Petal® 2 “Cash Back, No Fees” Visa® Credit Card: Best Overall For Recent College Graduates
Chase Sapphire Preferred® Card: Best for Flexible Rewards
Chase Freedom Unlimited®:

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card *: Best for young professionals
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for paying down debt
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Many young people may find it hard to qualify for the majority of credit cards when they’re just starting their credit journey or if their credit scores are on the low side. In this case, a secured credit card is a good option. It’s called “secured” because you need to secure it with a deposit to get approved. Typically, the deposit becomes your credit line. See related:

Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card *: Best for young professionals
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for paying down debt
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Many young people may find it hard to qualify for the majority of credit cards when they’re just starting their credit journey or if their credit scores are on the low side. In this case, a secured credit card is a good option. It’s called “secured” because you need to secure it with a deposit to get approved. Typically, the deposit becomes your credit line. See related:

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 I would like a credit card with a low interest rate if possible. What would you recommend? I only have one credit card with a $300 credit limit. I’m almost finished paying it off. I only have a $100 left to pay.” First things first, good job increasing your scores and setting such an amazing goal as homeownership, Diana! Continue paying down your card – you want your credit utilization (how much of your credit line you’re using) to be under 35% at all times. And make sure to ask for a credit limit increase to make that easier. The biggest favor you could do yourself is to never carry a balance, since cardholders with fair FICO scores (under 670) can rarely count on low APRs, no matter the card. As for the best card for you, I often get this kind of question from my friends – especially those in their twenties, who are either just starting out to build their credit or working on improving it after a few mistakes they’ve made.

I would like a credit card with a low interest rate if possible. What would you recommend? I only have one credit card with a $300 credit limit. I’m almost finished paying it off. I only have a $100 left to pay.” First things first, good job increasing your scores and setting such an amazing goal as homeownership, Diana! Continue paying down your card – you want your credit utilization (how much of your credit line you’re using) to be under 35% at all times. And make sure to ask for a credit limit increase to make that easier. The biggest favor you could do yourself is to never carry a balance, since cardholders with fair FICO scores (under 670) can rarely count on low APRs, no matter the card. As for the best card for you, I often get this kind of question from my friends – especially those in their twenties, who are either just starting out to build their credit or working on improving it after a few mistakes they’ve made.

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 Best credit cards for young adults in 2021 | CreditCards.com
Credit Cards » News & Advice » Expert Q&A » Best credit cards for young adults in 2021
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Best credit cards for young adults in 2021
Building credit is an important part of young adulthood, but the right credit card depends on how you plan to use it
by Ana Staples
January 6, 2021
Advertiser Disclosure
Filed Under: Expert Q&A
Products
Student credit cards and young credit
Summary
Whether you’re new to credit, seeking to finance a new purchase, pay down some debt or get rewarded on your spending, we have top card recommendations for you. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. My colleague recently shared with me a question he’d received from our reader, Diana: “Can you give me a clue of which credit card would be best for me? I am trying to build my credit to buy a home in the future. My score went up 34 points, I’m happy about that. My score’s at 654 right now.

Best Credit Cards for Recent College Graduates – Forbes Advisor Best Credit Cards For Recent College Graduates In June 2021
Best Credit Cards For Recent College Graduates In June 2021
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
Best for Rewards and 0% APR
Chase Freedom Unlimited®
Best Secured Credit Card Option
Discover it® Secured Credit Card
Best for Debt Consolidation
Citi Simplicity® Card *
Best for Amazon Prime Members
Amazon Prime Rewards Visa Signature Card *
Best for Groceries
Amex EveryDay® Credit Card *
Methodology
Best Credit Cards for College Graduates in 2020
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Chase Sapphire Preferred® Card
Chase Freedom Unlimited®
Discover it® Secured Credit Card
Citi Simplicity® Card
Amazon Prime Rewards Visa Signature Card
Amex EveryDay® Credit Card
QuicksilverOne from Capital One *
How to Pick a Credit Card As a Recent College Graduate
Frequently Asked Questions (FAQs)
Which is the best overall credit card for recent college graduates?
What is the best credit card for a college student with no credit?
Can I apply for a credit card if I am unemployed?
How can recent graduates use credit cards responsibly?
Which credit card offers the best rewards?
Holly Johnson
Caroline Lupini
 Best for Rewards and 0% APR
Discover it® Secured Credit Card: Best Secured Credit Card Option
Citi Simplicity® Card: Best for Debt Consolidation
Amazon Prime Rewards Visa Signature Card: Best for Amazon Prime Members
Amex EveryDay® Credit Card: Best for Groceries
QuicksilverOne from Capital One: Best for Average Credit
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Welcome Bonus
None
Annual Fee
$0
Regular APR
12.99% - 26.99% (Variable)
Credit Score
Limited/Fair/Good/Excellent
Best Overall For Recent College Graduates
Click Here To Apply Now
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Apply Now
On WebBank's  Secure Website
On WebBank's Secure  Website
Why We Picked It
Pros & Cons
Card Details
Why We Picked It
If you have no credit or limited credit, the Petal 2 Credit Card is our first choice. You can check to see if you're pre-approved without impacting your credit score (a process that uses a "soft pull"). This card is light on fees, so if you don't carry a balance you can build a solid credit history with responsible use while limiting your exposure to fees. However, those with missed payments or a bankruptcy on their credit report are unlikely to be approved. Pros & Cons
Pros
No fees:

Best for Rewards and 0% APR
Discover it® Secured Credit Card: Best Secured Credit Card Option
Citi Simplicity® Card: Best for Debt Consolidation
Amazon Prime Rewards Visa Signature Card: Best for Amazon Prime Members
Amex EveryDay® Credit Card: Best for Groceries
QuicksilverOne from Capital One: Best for Average Credit
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Welcome Bonus
None
Annual Fee
$0
Regular APR
12.99% - 26.99% (Variable)
Credit Score
Limited/Fair/Good/Excellent
Best Overall For Recent College Graduates
Click Here To Apply Now
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Apply Now
On WebBank's  Secure Website
On WebBank's Secure  Website
Why We Picked It
Pros & Cons
Card Details
Why We Picked It
If you have no credit or limited credit, the Petal 2 Credit Card is our first choice. You can check to see if you're pre-approved without impacting your credit score (a process that uses a "soft pull"). This card is light on fees, so if you don't carry a balance you can build a solid credit history with responsible use while limiting your exposure to fees. However, those with missed payments or a bankruptcy on their credit report are unlikely to be approved. Pros & Cons
Pros
No fees:

Best Credit Cards for Recent College Graduates – Forbes Advisor Best Credit Cards For Recent College Graduates In June 2021
Best Credit Cards For Recent College Graduates In June 2021
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
Best for Rewards and 0% APR
Chase Freedom Unlimited®
Best Secured Credit Card Option
Discover it® Secured Credit Card
Best for Debt Consolidation
Citi Simplicity® Card *
Best for Amazon Prime Members
Amazon Prime Rewards Visa Signature Card *
Best for Groceries
Amex EveryDay® Credit Card *
Methodology
Best Credit Cards for College Graduates in 2020
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Chase Sapphire Preferred® Card
Chase Freedom Unlimited®
Discover it® Secured Credit Card
Citi Simplicity® Card
Amazon Prime Rewards Visa Signature Card
Amex EveryDay® Credit Card
QuicksilverOne from Capital One *
How to Pick a Credit Card As a Recent College Graduate
Frequently Asked Questions (FAQs)
Which is the best overall credit card for recent college graduates?
What is the best credit card for a college student with no credit?
Can I apply for a credit card if I am unemployed?
How can recent graduates use credit cards responsibly?
Which credit card offers the best rewards?
Holly Johnson
Caroline Lupini
 Applying for a credit card is an excellent step in the credit-building process, partly because some credit cards are geared to college graduates who are starting to build credit for the first time. If you’re a recent college graduate who is thinking of signing up for a credit card, you should take the time to learn more about the top offers and how to use them to your advantage. SHOW MORE
Show Summary +
Petal® 2 “Cash Back, No Fees” Visa® Credit Card: Best Overall For Recent College Graduates
Chase Sapphire Preferred® Card: Best for Flexible Rewards
Chase Freedom Unlimited®: Best for Rewards and 0% APR
Discover it® Secured Credit Card: Best Secured Credit Card Option
Citi Simplicity® Card: Best for Debt Consolidation
Amazon Prime Rewards Visa Signature Card: Best for Amazon Prime Members
Amex EveryDay® Credit Card: Best for Groceries
QuicksilverOne from Capital One:

Applying for a credit card is an excellent step in the credit-building process, partly because some credit cards are geared to college graduates who are starting to build credit for the first time. If you’re a recent college graduate who is thinking of signing up for a credit card, you should take the time to learn more about the top offers and how to use them to your advantage. SHOW MORE
Show Summary +
Petal® 2 “Cash Back, No Fees” Visa® Credit Card: Best Overall For Recent College Graduates
Chase Sapphire Preferred® Card: Best for Flexible Rewards
Chase Freedom Unlimited®: Best for Rewards and 0% APR
Discover it® Secured Credit Card: Best Secured Credit Card Option
Citi Simplicity® Card: Best for Debt Consolidation
Amazon Prime Rewards Visa Signature Card: Best for Amazon Prime Members
Amex EveryDay® Credit Card: Best for Groceries
QuicksilverOne from Capital One:

Best credit cards for young adults in 2021 | CreditCards.com
Best credit cards for young adults in 2021
Summary
Best credit cards for young adults
Secured Mastercard® from Capital One: Best for young adults with low credit scores
Discover it® Student Cash Back: Best for students
Essential reads, delivered weekly
Chase Freedom Unlimited: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card: Best for young professionals who travel for work
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for young adults paying down credit card debt
How to choose the right credit card
Comparing the best cards for young adults
Final thoughts
What’s up next?
Credit Card Rate Report
 Since I’m a big credit card nerd, I love helping them out – and I’ll gladly help you out too. In this article, I’m going to share the best credit cards for young adults, whether they’ve reached the good credit threshold or, like Diana, are only just getting there. Best credit cards for young adults
Secured Mastercard® from Capital One: Best for low credit scores
Discover it® Student Cash Back: Best for students
Chase Freedom Unlimited®: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card *: Best for young professionals
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for paying down debt
Secured Mastercard® from Capital One:

Since I’m a big credit card nerd, I love helping them out – and I’ll gladly help you out too. In this article, I’m going to share the best credit cards for young adults, whether they’ve reached the good credit threshold or, like Diana, are only just getting there. Best credit cards for young adults
Secured Mastercard® from Capital One: Best for low credit scores
Discover it® Student Cash Back: Best for students
Chase Freedom Unlimited®: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
American Express® Green Card *: Best for young professionals
Wells Fargo Platinum card: Best for financing a new purchase
Citi® Double Cash Card: Best for paying down debt
Secured Mastercard® from Capital One:

How to Put an Elderly Loved One on a Budget - AgingCare.com How to Put an Elderly Loved One on a Budget
How to Put an Elderly Loved One on a Budget
Discussing Budgeting With Aging Parents
Browse Our Free
Senior Care Guides
Tips for Budgeting for Seniors
Create a Monthly Expense Worksheet
Reduce Utility Costs
Choose Insurance Premium Payment Plans Wisely
Look for Senior Savings Programs and Government Benefits
Control Credit Card Debt
Look for Telecommunications Bundles
Create a Financial System
About Rosanne Rogé
Caregivers Asked
 Look for Senior Savings Programs and Government Benefits
If your loved one owns a home, there may be savings available to them if they meet certain eligibility requirements. For example, New York state offers the School Tax Relief (STAR) program to help senior homeowners in certain income brackets reduce the amounts owed for property taxes. Visit Benefits.gov to see if your elderly loved one is eligible for any local, state or federal assistance or discount programs. Benefits like housing assistance, Supplemental Nutrition Assistance Programs (food stamps) and energy assistance can help minimize expenses for low-income seniors. You can also check with your Area Agency on Aging (AAA) for additional resources, guidance and assistance with benefits applications. Control Credit Card Debt
If mounting credit card debt is an issue, it may help your loved one to use cash or a debit card instead. This way they have a finite amount of money at their disposal to keep spending in check. With a debit card, the connected account can be replenished every month. This is just one of several beneficial credit card strategies for retirees. Look for Telecommunications Bundles
Telecom companies usually offer cable, internet, and home and/or cellular phone services in bundles or packages that are cheaper than paying for each service individually.

How to Put an Elderly Loved One on a Budget - AgingCare.com

How to Put an Elderly Loved One on a Budget
How to Put an Elderly Loved One on a Budget
Discussing Budgeting With Aging Parents
Browse Our Free
Senior Care Guides
Tips for Budgeting for Seniors
Create a Monthly Expense Worksheet
Reduce Utility Costs
Choose Insurance Premium Payment Plans Wisely
Look for Senior Savings Programs and Government Benefits
Control Credit Card Debt
Look for Telecommunications Bundles
Create a Financial System
About Rosanne Rogé
Caregivers Asked

Look for Senior Savings Programs and Government Benefits
If your loved one owns a home, there may be savings available to them if they meet certain eligibility requirements. For example, New York state offers the School Tax Relief (STAR) program to help senior homeowners in certain income brackets reduce the amounts owed for property taxes. Visit Benefits.gov to see if your elderly loved one is eligible for any local, state or federal assistance or discount programs. Benefits like housing assistance, Supplemental Nutrition Assistance Programs (food stamps) and energy assistance can help minimize expenses for low-income seniors. You can also check with your Area Agency on Aging (AAA) for additional resources, guidance and assistance with benefits applications. Control Credit Card Debt
If mounting credit card debt is an issue, it may help your loved one to use cash or a debit card instead. This way they have a finite amount of money at their disposal to keep spending in check. With a debit card, the connected account can be replenished every month. This is just one of several beneficial credit card strategies for retirees. Look for Telecommunications Bundles
Telecom companies usually offer cable, internet, and home and/or cellular phone services in bundles or packages that are cheaper than paying for each service individually.

Best Credit Cards for Recent College Graduates – Forbes Advisor Best Credit Cards For Recent College Graduates In June 2021
Best Credit Cards For Recent College Graduates In June 2021
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
Best for Rewards and 0% APR
Chase Freedom Unlimited®
Best Secured Credit Card Option
Discover it® Secured Credit Card
Best for Debt Consolidation
Citi Simplicity® Card *
Best for Amazon Prime Members
Amazon Prime Rewards Visa Signature Card *
Best for Groceries
Amex EveryDay® Credit Card *
Methodology
Best Credit Cards for College Graduates in 2020
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Chase Sapphire Preferred® Card
Chase Freedom Unlimited®
Discover it® Secured Credit Card
Citi Simplicity® Card
Amazon Prime Rewards Visa Signature Card
Amex EveryDay® Credit Card
QuicksilverOne from Capital One *
How to Pick a Credit Card As a Recent College Graduate
Frequently Asked Questions (FAQs)
Which is the best overall credit card for recent college graduates?
What is the best credit card for a college student with no credit?
Can I apply for a credit card if I am unemployed?
How can recent graduates use credit cards responsibly?
Which credit card offers the best rewards?
Holly Johnson
Caroline Lupini
 Best for Average Credit
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Welcome Bonus
None
Annual Fee
$0
Regular APR
12.99% - 26.99% (Variable)
Credit Score
Limited/Fair/Good/Excellent
Best Overall For Recent College Graduates
Click Here To Apply Now
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Apply Now
On WebBank's  Secure Website
On WebBank's Secure  Website
Why We Picked It
Pros & Cons
Card Details
Why We Picked It
If you have no credit or limited credit, the Petal 2 Credit Card is our first choice. You can check to see if you're pre-approved without impacting your credit score (a process that uses a "soft pull"). This card is light on fees, so if you don't carry a balance you can build a solid credit history with responsible use while limiting your exposure to fees. However, those with missed payments or a bankruptcy on their credit report are unlikely to be approved. Pros & Cons
Pros
No fees: no annual fee, no foreign transaction fee, no late fee, no over limit fee
No security deposit
No credit history required
Cons
No intro APR offer
No cash advances or balance transfers
Applicants with a damaged credit report may not qualify
Card Details
No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee. Up to 1.5% cash back after making 12 on-time monthly payments
1% cash back on eligible purchases right away
2% – 10% cash back from select merchants
$500-$10,000 credit limits
Variable APRs 12.99%-26.99%
Build credit alongside tens of thousands of Petal Card members
Cash flow technology may help applicants without credit history get approved
Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
See if you’re pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, Member FDIC
None
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Cards for Recent College Graduates – Forbes Advisor Best Credit Cards For Recent College Graduates In June 2021
Best Credit Cards For Recent College Graduates In June 2021
Featured Card
Best Overall For Recent College Graduates
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
Best for Rewards and 0% APR
Chase Freedom Unlimited®
Best Secured Credit Card Option
Discover it® Secured Credit Card
Best for Debt Consolidation
Citi Simplicity® Card *
Best for Amazon Prime Members
Amazon Prime Rewards Visa Signature Card *
Best for Groceries
Amex EveryDay® Credit Card *
Methodology
Best Credit Cards for College Graduates in 2020
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Chase Sapphire Preferred® Card
Chase Freedom Unlimited®
Discover it® Secured Credit Card
Citi Simplicity® Card
Amazon Prime Rewards Visa Signature Card
Amex EveryDay® Credit Card
QuicksilverOne from Capital One *
How to Pick a Credit Card As a Recent College Graduate
Frequently Asked Questions (FAQs)
Which is the best overall credit card for recent college graduates?
What is the best credit card for a college student with no credit?
Can I apply for a credit card if I am unemployed?
How can recent graduates use credit cards responsibly?
Which credit card offers the best rewards?
Holly Johnson
Caroline Lupini
 Featured Card
Best for Flexible Rewards
Chase Sapphire Preferred® Card
3.4
Up to 2X Reward Rate
2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining Read More
Welcome Bonus
80,000 bonus points
Annual Fee
$95
Regular APR
15.99%-22.99% Variable
Credit Score
Excellent/Good (700 - 749)
Best for Flexible Rewards
Click Here To Apply Now
Chase Sapphire Preferred® Card
3.4
Apply Now
On Chase's  Secure Website
On Chase's Secure  Website
Why We Picked It
Pros & Cons
Card Details
Why We Picked It
Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee. Pros & Cons
Pros
Earn 2x points on travel and dining
Transfer points to travel partners at 1:1 rate
Lots of travel and shopping protections
Cons
$95 annual fee, not waived in first year
No intro APR offer
Card Details
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening. Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service.

8 Best Credit Cards for Young Adults (& First-Time Cardholders) | Blog 8 Best Credit Cards for Young Adults (& First-Time Cardholders)
8 Best Credit Cards for Young Adults (& First-Time Cardholders)
Citi Double Cash
Discover It
Capital One Secured Mastercard
Chase Freedom Unlimited
Capital One QuicksilverOne
Chase Sapphire Preferred Card
Amex Everyday
Discover It Secured
 Needless to say, picking out a credit card for the first time can be tricky, but at any rate, there are several options worth considering. To help, here’s a list of credit cards for young adults and first-time cardholders; you’ll find it’s a mix of rewards, travel, and secured cards. Citi Double Cash
Citi offers an interesting benefit with their Double Cash Card. Cardholders are incentivized to make monthly payments on time, which is a great trick for first-time cardholders. You can get 2 percent cash back on purchases—1 percent on the purchase and an additional 1 percent on monthly payments. There are no limits on what you can earn, and you won’t have an annual fee to pay. It’s great for people who want to get a good percentage of cash back without keeping track of rotating qualifying categories—with this card any purchase counts. You will also get a 0 percent APR on balance transfers for 18 months. Your APR after that will be 16.24 percent to 26.24 percent.

8 Best Credit Cards for Young Adults (& First-Time Cardholders) | Blog

8 Best Credit Cards for Young Adults (& First-Time Cardholders)
8 Best Credit Cards for Young Adults (& First-Time Cardholders)
Citi Double Cash
Discover It
Capital One Secured Mastercard
Chase Freedom Unlimited
Capital One QuicksilverOne
Chase Sapphire Preferred Card
Amex Everyday
Discover It Secured

Needless to say, picking out a credit card for the first time can be tricky, but at any rate, there are several options worth considering. To help, here’s a list of credit cards for young adults and first-time cardholders; you’ll find it’s a mix of rewards, travel, and secured cards. Citi Double Cash
Citi offers an interesting benefit with their Double Cash Card. Cardholders are incentivized to make monthly payments on time, which is a great trick for first-time cardholders. You can get 2 percent cash back on purchases—1 percent on the purchase and an additional 1 percent on monthly payments. There are no limits on what you can earn, and you won’t have an annual fee to pay. It’s great for people who want to get a good percentage of cash back without keeping track of rotating qualifying categories—with this card any purchase counts. You will also get a 0 percent APR on balance transfers for 18 months. Your APR after that will be 16.24 percent to 26.24 percent.

The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
Best credit cards for excellent credit
What is excellent credit? | How to get excellent credit | How to pick a card for excellent credit | How to get approved | FAQs
Best high limit credit card for excellent credit
Chase Sapphire Preferred® Card
ValuePenguin's verdict
Benefits
Drawbacks
Best cashback credit card for excellent credit
Citi® Double Cash Card – 18 month BT offer
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
ValuePenguin's verdict
Benefits
Drawbacks
Best grocery credit card for excellent credit
Blue Cash Preferred® Card from American Express
Earn a $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.
ValuePenguin's verdict
Benefits
Drawbacks
Best luxury credit card for excellent credit
The Platinum Card® from American Express
Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
ValuePenguin's verdict
Benefits
Drawbacks
Best travel credit card for excellent credit
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
ValuePenguin's verdict
Benefits
Drawbacks
What is excellent credit?
FICO score ranges
VantageScore ranges
How to get excellent credit
How to pick a card for excellent credit
How will you use the card?
What do you spend the most on?
Sign-up bonus
Annual fee vs. no annual fee
Other benefits
How to get approved for a credit card for excellent credit
What's the highest credit rating?
What credit cards can you get with a 700 credit score?
What is the best credit card for someone with excellent credit?
Is a 750 credit score good or excellent?
How many credit cards should you have for excellent credit?
Which credit cards offer the highest credit limit?
What is the hardest credit card to get?
 These cards come with a slew of benefits and perks to suit every type of cardholder, from the frequent flyer to the savvy shopper seeking cash back to someone looking for a 0% interest deal to knock out a balance on another card. It's not always easy to find the card that's best for you, so let us help. We looked at cards on ValuePenguin and top issuer sites to choose the cards that offer the most value within certain categories. Here are our picks for the best credit cards for excellent credit available today: Best credit cards for excellent credit

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The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin

What are the Best Credit Cards for 18 Year Olds? - Bonsai Finance What are the Best Credit Cards for 18 Year Olds?
What are the Best Credit Cards for 18 Year Olds?
Capital One® Secured Mastercard® – One of the Best Credit Cards for 18 Year Olds with No Credit History
Bonsai Finance
Discover it® Cash Back – The Best Credit Card for Young People with Fair Credit
Chase Sapphire Preferred® Card – The Credit Card for Young Travelers
Wells Fargo Cash Wise Visa® Card – A Card with Great Perks, Even if You Need a Cosigner
Bonsai Finance
Learn More About Credit Cards and Building Credit
 This is a secured credit card, so it requires a deposit, but it helps you build credit and reports to all three major credit bureaus. Bonsai Finance
Apply Now
Our take: Online marketplace to find you a personal loan offer that matches your needs
Show more
Apply Now
Credit Score
Loan Size/Amount
Loan Term
APR
Origination Fee
All can apply
$100 - $15,000
1 - 60
5.99% - 35.99%
Varies by lender
Credit Score All can apply
Loan Size/Amount $100 - $15,000
Loan Term 1 - 60
APR 5.99% - 35.99%
Origination Fee Varies by lender
Our take: Online marketplace to find you a personal loan offer that matches your needs Show more
Discover it® Cash Back – The Best Credit Card for Young People with Fair Credit
If you have some credit – maybe you’ve bought a car or already built some credit through another card – the Discover it ® Cash Back card is a great option. The interest rates are reasonable, and there is late payment forgiveness. But the real stand-out is the cash rewards, including 5 percent back for restaurant, gas, and Amazon purchases. Chase Sapphire Preferred® Card – The Credit Card for Young Travelers
For young people who travel often or are planning to, the Chase Sapphire Preferred ® Card is a great card. Cardholders earn 2 points per every dollar spent on travel and dining, plus 1 point per dollar spent on anything else. There’s also a 60,000 point sign-up bonus, but the annual fee is $95, so this card is only worthwhile if you plan to spend big and travel often. Wells Fargo Cash Wise Visa® Card – A Card with Great Perks, Even if You Need a Cosigner
Finding a credit card when you need a cosigner is one of the tough parts about applying for your first card.

What are the Best Credit Cards for 18 Year Olds? - Bonsai Finance

What are the Best Credit Cards for 18 Year Olds?
What are the Best Credit Cards for 18 Year Olds?
Capital One® Secured Mastercard® – One of the Best Credit Cards for 18 Year Olds with No Credit History
Bonsai Finance
Discover it® Cash Back – The Best Credit Card for Young People with Fair Credit
Chase Sapphire Preferred® Card – The Credit Card for Young Travelers
Wells Fargo Cash Wise Visa® Card – A Card with Great Perks, Even if You Need a Cosigner
Bonsai Finance
Learn More About Credit Cards and Building Credit

This is a secured credit card, so it requires a deposit, but it helps you build credit and reports to all three major credit bureaus. Bonsai Finance
Apply Now
Our take: Online marketplace to find you a personal loan offer that matches your needs
Show more
Apply Now
Credit Score
Loan Size/Amount
Loan Term
APR
Origination Fee
All can apply
$100 - $15,000
1 - 60
5.99% - 35.99%
Varies by lender
Credit Score All can apply
Loan Size/Amount $100 - $15,000
Loan Term 1 - 60
APR 5.99% - 35.99%
Origination Fee Varies by lender
Our take: Online marketplace to find you a personal loan offer that matches your needs Show more
Discover it® Cash Back – The Best Credit Card for Young People with Fair Credit
If you have some credit – maybe you’ve bought a car or already built some credit through another card – the Discover it ® Cash Back card is a great option. The interest rates are reasonable, and there is late payment forgiveness. But the real stand-out is the cash rewards, including 5 percent back for restaurant, gas, and Amazon purchases. Chase Sapphire Preferred® Card – The Credit Card for Young Travelers
For young people who travel often or are planning to, the Chase Sapphire Preferred ® Card is a great card. Cardholders earn 2 points per every dollar spent on travel and dining, plus 1 point per dollar spent on anything else. There’s also a 60,000 point sign-up bonus, but the annual fee is $95, so this card is only worthwhile if you plan to spend big and travel often. Wells Fargo Cash Wise Visa® Card – A Card with Great Perks, Even if You Need a Cosigner
Finding a credit card when you need a cosigner is one of the tough parts about applying for your first card.

10 Best Major Credit Cards (2021) 10 Best Major Credit Cards in 2021
10 Best Major Credit Cards in 2021
credit card advice
Best Overall Major Credit Card
1. Discover it® Cash Back
BEST OVERALL RATING
Best Major Credit Card for Air Miles
2. Capital One Venture Rewards Credit Card
AIR MILES RATING
Best Major Credit Card for Cash Back
3. Chase Freedom Unlimited®
CASH BACK RATING
Best Major Credit Card for Points
4. Chase Sapphire Preferred® Card
POINTS & GIFTS RATING
Best Major Credit Card for Balance Transfers
5. Discover it® Balance Transfer
This card is currently not available.
0% Balance Transfer Rating
OVERALL RATING
Best Major Credit Card with 0% APR
6. Citi® Diamond Preferred® Card
CITI® RATING
Best Major Credit Card for Businesses
7. Ink Business Preferred® Credit Card
BUSINESS CARD RATING
Best Major Credit Card for Students
8. Discover it® Student Cash Back
STUDENT RATING
Best Major Credit Card for Fair or No/Limited Credit
9. Capital One Platinum Credit Card
FAIR CREDIT RATING
Best Secured Major Credit Card
10. Secured Mastercard® from Capital One
SECURED RATING
What are the Major Credit Card Companies?
What is Considered a Major Credit Card?
Is a Bank Card a Major Credit Card?
Most Major Networks Are Accepted Everywhere
Share This Article
Like this article on Facebook
Tweet this article on Twitter
Share this article via Email
About the Author
Adam West
 Through Chase Ultimate Rewards, you can use your earned points for travel, cash back, merchandise, statement credits, and several other popular choices. Best Major Credit Card for Balance Transfers
As a whole, Americans owe more than $1 trillion in credit card debt. And since the average card comes with a 19.24% interest rate, that debt isn’t cheap. With a good balance transfer credit card, such as the Discover it® Balance Transfer card, you can move your existing debt over and pay no interest on it for the promotional period. 5. Discover it® Balance Transfer
This card is currently not available. 0% Balance Transfer Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
While you’re enjoying the lengthy introductory APR period, you’ll still earn cash back in quarterly categories (up to the quarterly maximum) that include gas stations, grocery stores, restaurants, and Amazon.com when the category is activated. Best Major Credit Card with 0% APR
There’s no better way to make a large purchase or knock out existing high-interest debt, than with a credit card that features a good interest-free introductory rate. New Citi® Diamond Preferred® Credit Card members can take advantage of a long 0% promotional period on both new purchases and balance transfers, which makes this card a winner. 6.

10 Best Major Credit Cards (2021)

10 Best Major Credit Cards in 2021
10 Best Major Credit Cards in 2021
credit card advice
Best Overall Major Credit Card
1. Discover it® Cash Back
BEST OVERALL RATING
Best Major Credit Card for Air Miles
2. Capital One Venture Rewards Credit Card
AIR MILES RATING
Best Major Credit Card for Cash Back
3. Chase Freedom Unlimited®
CASH BACK RATING
Best Major Credit Card for Points
4. Chase Sapphire Preferred® Card
POINTS & GIFTS RATING
Best Major Credit Card for Balance Transfers
5. Discover it® Balance Transfer
This card is currently not available.
0% Balance Transfer Rating
OVERALL RATING
Best Major Credit Card with 0% APR
6. Citi® Diamond Preferred® Card
CITI® RATING
Best Major Credit Card for Businesses
7. Ink Business Preferred® Credit Card
BUSINESS CARD RATING
Best Major Credit Card for Students
8. Discover it® Student Cash Back
STUDENT RATING
Best Major Credit Card for Fair or No/Limited Credit
9. Capital One Platinum Credit Card
FAIR CREDIT RATING
Best Secured Major Credit Card
10. Secured Mastercard® from Capital One
SECURED RATING
What are the Major Credit Card Companies?
What is Considered a Major Credit Card?
Is a Bank Card a Major Credit Card?
Most Major Networks Are Accepted Everywhere
Share This Article
Like this article on Facebook
Tweet this article on Twitter
Share this article via Email
About the Author
Adam West

Through Chase Ultimate Rewards, you can use your earned points for travel, cash back, merchandise, statement credits, and several other popular choices. Best Major Credit Card for Balance Transfers
As a whole, Americans owe more than $1 trillion in credit card debt. And since the average card comes with a 19.24% interest rate, that debt isn’t cheap. With a good balance transfer credit card, such as the Discover it® Balance Transfer card, you can move your existing debt over and pay no interest on it for the promotional period. 5. Discover it® Balance Transfer
This card is currently not available. 0% Balance Transfer Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
While you’re enjoying the lengthy introductory APR period, you’ll still earn cash back in quarterly categories (up to the quarterly maximum) that include gas stations, grocery stores, restaurants, and Amazon.com when the category is activated. Best Major Credit Card with 0% APR
There’s no better way to make a large purchase or knock out existing high-interest debt, than with a credit card that features a good interest-free introductory rate. New Citi® Diamond Preferred® Credit Card members can take advantage of a long 0% promotional period on both new purchases and balance transfers, which makes this card a winner. 6.

Best Travel Credit Cards of May 2021 Best Travel Credit Cards of May 2021
Best Travel Credit Cards of May 2021
The Best Credit Cards for Travel as Chosen by the Editors
Best Overall , Best for Luxury Travelers : Chase Sapphire Reserve®
Next Steps
Best for Business Owners : Ink Business Preferred℠ Credit Card
Best With Annual Fee Under $100 : Chase Sapphire Preferred® Card
Best With No Annual Fee : U.S. Bank Altitude® Go Visa Signature® Card
Best for Student Travelers : Chase Freedom® Student Credit Card
Best for Travelers Who Prefer Cash Back : Chase Freedom Unlimited®
Best for Airline Loyalty : United℠ Explorer Card
Best for Hotel Loyalty : World of Hyatt Credit Card
Best for Fair Credit : Petal 2 Visa® Credit Card
FAQs
What Are Travel Credit Cards?
What Are the Different Types of Travel Credit Card?
What Are the Pros and Cons of Travel Credit Cards?
How Do Travel Credit Cards Compare to Cash-Back Credit Cards?
Travel Credit Cards
Cash-Back Credit Cards
Should You Pay an Annual Fee for a Travel Rewards Credit Card?
How Should You Choose a General Travel Credit Card?
Compare The Best Travel Credit Cards
How Should You Choose an Airline Credit Card?
How Should You Choose a Hotel Credit Card?
How Should You Compare Travel Credit Cards?
How Can You Maximize Travel Rewards?
What Are Some Additional Travel Card Benefits?
Methodology
About This List
What We Score
Other Things We Consider
Article Sources
 Best Travel Credit Cards of May 2021
Credit Cards Credit Card Reviews
Best Travel Credit Cards of May 2021
The Best Credit Cards for Travel as Chosen by the Editors
We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure . By
Full Bio
Follow
LinkedIn with Background
Linkedin
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Holly D. Johnson is a credit card expert and award-winning writer whose goal is explaining the perks and benefits of credit card offers in a way anyone can understand. Holly has written about credit card topics for The Balance, and her work has also appeared in publications such as Business Insider, U.S. News and World Report Travel, and Travel Pulse. Holly is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." Read The Balance's editorial policies
Holly D. Johnson
Reviewed by
Marisa Figat
Updated April 30, 2021
The best travel credit cards give consumers valuable travel perks and the ability to earn rewards, but the cream of the crop offers more than one way to cash in your points. We analyzed the top flexible travel credit cards in the industry to find out which ones boast the most lucrative rewards, the most diverse redemption options, and plenty of travel benefits. The cards below have the best of the best travel features, but those often come with a hefty annual fee.

Best Travel Credit Cards of May 2021

Best Travel Credit Cards of May 2021
Best Travel Credit Cards of May 2021
The Best Credit Cards for Travel as Chosen by the Editors
Best Overall , Best for Luxury Travelers : Chase Sapphire Reserve®
Next Steps
Best for Business Owners : Ink Business Preferred℠ Credit Card
Best With Annual Fee Under $100 : Chase Sapphire Preferred® Card
Best With No Annual Fee : U.S. Bank Altitude® Go Visa Signature® Card
Best for Student Travelers : Chase Freedom® Student Credit Card
Best for Travelers Who Prefer Cash Back : Chase Freedom Unlimited®
Best for Airline Loyalty : United℠ Explorer Card
Best for Hotel Loyalty : World of Hyatt Credit Card
Best for Fair Credit : Petal 2 Visa® Credit Card
FAQs
What Are Travel Credit Cards?
What Are the Different Types of Travel Credit Card?
What Are the Pros and Cons of Travel Credit Cards?
How Do Travel Credit Cards Compare to Cash-Back Credit Cards?
Travel Credit Cards
Cash-Back Credit Cards
Should You Pay an Annual Fee for a Travel Rewards Credit Card?
How Should You Choose a General Travel Credit Card?
Compare The Best Travel Credit Cards
How Should You Choose an Airline Credit Card?
How Should You Choose a Hotel Credit Card?
How Should You Compare Travel Credit Cards?
How Can You Maximize Travel Rewards?
What Are Some Additional Travel Card Benefits?
Methodology
About This List
What We Score
Other Things We Consider
Article Sources

Best Travel Credit Cards of May 2021
Credit Cards Credit Card Reviews
Best Travel Credit Cards of May 2021
The Best Credit Cards for Travel as Chosen by the Editors
We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure . By
Full Bio
Follow
LinkedIn with Background
Linkedin
Follow Twitter
Holly D. Johnson is a credit card expert and award-winning writer whose goal is explaining the perks and benefits of credit card offers in a way anyone can understand. Holly has written about credit card topics for The Balance, and her work has also appeared in publications such as Business Insider, U.S. News and World Report Travel, and Travel Pulse. Holly is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." Read The Balance's editorial policies
Holly D. Johnson
Reviewed by
Marisa Figat
Updated April 30, 2021
The best travel credit cards give consumers valuable travel perks and the ability to earn rewards, but the cream of the crop offers more than one way to cash in your points. We analyzed the top flexible travel credit cards in the industry to find out which ones boast the most lucrative rewards, the most diverse redemption options, and plenty of travel benefits. The cards below have the best of the best travel features, but those often come with a hefty annual fee.

The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
Best credit cards for excellent credit
What is excellent credit? | How to get excellent credit | How to pick a card for excellent credit | How to get approved | FAQs
Best high limit credit card for excellent credit
Chase Sapphire Preferred® Card
ValuePenguin's verdict
Benefits
Drawbacks
Best cashback credit card for excellent credit
Citi® Double Cash Card – 18 month BT offer
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
ValuePenguin's verdict
Benefits
Drawbacks
Best grocery credit card for excellent credit
Blue Cash Preferred® Card from American Express
Earn a $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.
ValuePenguin's verdict
Benefits
Drawbacks
Best luxury credit card for excellent credit
The Platinum Card® from American Express
Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
ValuePenguin's verdict
Benefits
Drawbacks
Best travel credit card for excellent credit
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
ValuePenguin's verdict
Benefits
Drawbacks
What is excellent credit?
FICO score ranges
VantageScore ranges
How to get excellent credit
How to pick a card for excellent credit
How will you use the card?
What do you spend the most on?
Sign-up bonus
Annual fee vs. no annual fee
Other benefits
How to get approved for a credit card for excellent credit
What's the highest credit rating?
What credit cards can you get with a 700 credit score?
What is the best credit card for someone with excellent credit?
Is a 750 credit score good or excellent?
How many credit cards should you have for excellent credit?
Which credit cards offer the highest credit limit?
What is the hardest credit card to get?
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Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card\" href=\"#Preferred\"\u003E\u003Cstrong\u003EChase Sapphire Preferred\u00ae Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","High credit limit","$95","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/92?url=_best-credit-cards-excellent-credit\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E {\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\": [ \"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_best-credit-cards-excellent-credit\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"], ["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4595.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E {\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" href=\"#Citi\"\u003E\u003Cstrong\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Cash back","$0","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/710?url=_best-credit-cards-excellent-credit\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E {\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\": [ \"On Citibank's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-credit-cards-excellent-credit\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"], ["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Blue Cash Preferred\u00ae Card from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E {\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4327.jpg\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred\u00ae Card from American Express\" href=\"#Blue\"\u003E\u003Cstrong\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Groceries","$0 introductory annual fee for the first year, then $95","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/495?url=_best-credit-cards-excellent-credit\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/jso

The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
Best credit cards for excellent credit
What is excellent credit? | How to get excellent credit | How to pick a card for excellent credit | How to get approved | FAQs
Best high limit credit card for excellent credit
Chase Sapphire Preferred® Card
ValuePenguin's verdict
Benefits
Drawbacks
Best cashback credit card for excellent credit
Citi® Double Cash Card – 18 month BT offer
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
ValuePenguin's verdict
Benefits
Drawbacks
Best grocery credit card for excellent credit
Blue Cash Preferred® Card from American Express
Earn a $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.
ValuePenguin's verdict
Benefits
Drawbacks
Best luxury credit card for excellent credit
The Platinum Card® from American Express
Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
ValuePenguin's verdict
Benefits
Drawbacks
Best travel credit card for excellent credit
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
ValuePenguin's verdict
Benefits
Drawbacks
What is excellent credit?
FICO score ranges
VantageScore ranges
How to get excellent credit
How to pick a card for excellent credit
How will you use the card?
What do you spend the most on?
Sign-up bonus
Annual fee vs. no annual fee
Other benefits
How to get approved for a credit card for excellent credit
What's the highest credit rating?
What credit cards can you get with a 700 credit score?
What is the best credit card for someone with excellent credit?
Is a 750 credit score good or excellent?
How many credit cards should you have for excellent credit?
Which credit cards offer the highest credit limit?
What is the hardest credit card to get?
 This site may be compensated through a credit card issuer partnership. Citi is an advertising partner
Having excellent credit (a FICO Score above 799 or a VantageScore above 780) is a big achievement: It shows you've opened accounts responsibly, paid your bills on time and kept your balances low. One of the perks of this high credit rating? You may qualify for a credit card for excellent credit. These cards come with a slew of benefits and perks to suit every type of cardholder, from the frequent flyer to the savvy shopper seeking cash back to someone looking for a 0% interest deal to knock out a balance on another card. It's not always easy to find the card that's best for you, so let us help. We looked at cards on ValuePenguin and top issuer sites to choose the cards that offer the most value within certain categories. Here are our picks for the best credit cards for excellent credit available today: Best credit cards for excellent credit

{"alignsHorizontal": ["

This site may be compensated through a credit card issuer partnership. Citi is an advertising partner
Having excellent credit (a FICO Score above 799 or a VantageScore above 780) is a big achievement: It shows you've opened accounts responsibly, paid your bills on time and kept your balances low. One of the perks of this high credit rating? You may qualify for a credit card for excellent credit. These cards come with a slew of benefits and perks to suit every type of cardholder, from the frequent flyer to the savvy shopper seeking cash back to someone looking for a 0% interest deal to knock out a balance on another card. It's not always easy to find the card that's best for you, so let us help. We looked at cards on ValuePenguin and top issuer sites to choose the cards that offer the most value within certain categories. Here are our picks for the best credit cards for excellent credit available today: Best credit cards for excellent credit

{"alignsHorizontal": ["

The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
Best credit cards for excellent credit
What is excellent credit? | How to get excellent credit | How to pick a card for excellent credit | How to get approved | FAQs
Best high limit credit card for excellent credit
Chase Sapphire Preferred® Card
ValuePenguin's verdict
Benefits
Drawbacks
Best cashback credit card for excellent credit
Citi® Double Cash Card – 18 month BT offer
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
ValuePenguin's verdict
Benefits
Drawbacks
Best grocery credit card for excellent credit
Blue Cash Preferred® Card from American Express
Earn a $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.
ValuePenguin's verdict
Benefits
Drawbacks
Best luxury credit card for excellent credit
The Platinum Card® from American Express
Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
ValuePenguin's verdict
Benefits
Drawbacks
Best travel credit card for excellent credit
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
ValuePenguin's verdict
Benefits
Drawbacks
What is excellent credit?
FICO score ranges
VantageScore ranges
How to get excellent credit
How to pick a card for excellent credit
How will you use the card?
What do you spend the most on?
Sign-up bonus
Annual fee vs. no annual fee
Other benefits
How to get approved for a credit card for excellent credit
What's the highest credit rating?
What credit cards can you get with a 700 credit score?
What is the best credit card for someone with excellent credit?
Is a 750 credit score good or excellent?
How many credit cards should you have for excellent credit?
Which credit cards offer the highest credit limit?
What is the hardest credit card to get?
 Need help choosing a credit card for excellent credit? We shopped current card offers to create a list of the best cards and their pros and cons. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. Citi is an advertising partner
Having excellent credit (a FICO Score above 799 or a VantageScore above 780) is a big achievement: It shows you've opened accounts responsibly, paid your bills on time and kept your balances low. One of the perks of this high credit rating? You may qualify for a credit card for excellent credit.

Need help choosing a credit card for excellent credit? We shopped current card offers to create a list of the best cards and their pros and cons. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. Citi is an advertising partner
Having excellent credit (a FICO Score above 799 or a VantageScore above 780) is a big achievement: It shows you've opened accounts responsibly, paid your bills on time and kept your balances low. One of the perks of this high credit rating? You may qualify for a credit card for excellent credit.

10 Best Major Credit Cards (2021) 10 Best Major Credit Cards in 2021
10 Best Major Credit Cards in 2021
credit card advice
Best Overall Major Credit Card
1. Discover it® Cash Back
BEST OVERALL RATING
Best Major Credit Card for Air Miles
2. Capital One Venture Rewards Credit Card
AIR MILES RATING
Best Major Credit Card for Cash Back
3. Chase Freedom Unlimited®
CASH BACK RATING
Best Major Credit Card for Points
4. Chase Sapphire Preferred® Card
POINTS & GIFTS RATING
Best Major Credit Card for Balance Transfers
5. Discover it® Balance Transfer
This card is currently not available.
0% Balance Transfer Rating
OVERALL RATING
Best Major Credit Card with 0% APR
6. Citi® Diamond Preferred® Card
CITI® RATING
Best Major Credit Card for Businesses
7. Ink Business Preferred® Credit Card
BUSINESS CARD RATING
Best Major Credit Card for Students
8. Discover it® Student Cash Back
STUDENT RATING
Best Major Credit Card for Fair or No/Limited Credit
9. Capital One Platinum Credit Card
FAIR CREDIT RATING
Best Secured Major Credit Card
10. Secured Mastercard® from Capital One
SECURED RATING
What are the Major Credit Card Companies?
What is Considered a Major Credit Card?
Is a Bank Card a Major Credit Card?
Most Major Networks Are Accepted Everywhere
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About the Author
Adam West
 10 Best Major Credit Cards (2021)
home > Credit Card Advice
10 Best Major Credit Cards in 2021
credit card advice
By: Adam West
Posted: November 4, 2019
Several important factors separate the best major credit cards from several good mid-range options. The most important of these factors is acceptance. Major credit cards work on networks that most worldwide merchants and service providers accept. They’re also backed by large banks that have long, established histories. They won’t limit where you can use your card or leave you stranded when you’re strapped for cash. Below we review the best major credit cards and break them down by popular card features. Overall | Miles | Cash Back | Points | Balance Transfers | 0% APR | Business | Students |
Fair/Limited Credit | Secured
Best Overall Major Credit Card
Discover has the distinction of being both a bank and your card’s processing network. As the issuer continues to grow, you’ll find millions of worldwide locations that accept your Discover card.

10 Best Major Credit Cards (2021)

10 Best Major Credit Cards (2021)
home > Credit Card Advice
10 Best Major Credit Cards in 2021
credit card advice
By: Adam West
Posted: November 4, 2019
Several important factors separate the best major credit cards from several good mid-range options. The most important of these factors is acceptance. Major credit cards work on networks that most worldwide merchants and service providers accept. They’re also backed by large banks that have long, established histories. They won’t limit where you can use your card or leave you stranded when you’re strapped for cash. Below we review the best major credit cards and break them down by popular card features. Overall | Miles | Cash Back | Points | Balance Transfers | 0% APR | Business | Students |
Fair/Limited Credit | Secured
Best Overall Major Credit Card
Discover has the distinction of being both a bank and your card’s processing network. As the issuer continues to grow, you’ll find millions of worldwide locations that accept your Discover card.

5 BEST Credit Cards If You Are an Immigrant in the USA in 2020 Best 5 Credit Cards for Immigrants in 2020
Best 5 Credit Cards for Immigrants in 2020
Table of Contents
6 Reasons US Immigrants Should Get a Credit Card
1. Rewards and Points
2. Cash Back
3. Air Miles
4. Fraud Protection
5. Universally Accepted
6. Buy Now, Pay Later
5 Best Credit Cards for New Immigrants in the U.S.
1. Capital One Secured Mastercard
2. Discover It Secured Mastercard
3. US Bank Secured Credit Card
4. First Progress Platinum Prestige MasterCard Secured Credit Card
5. OpenSky Secured Visa Credit Card
So, Which is the Best Credit Card for Non-U.S. Citizens?
Conclusion
 US Bank Secured Credit Card
The US Bank Secured Credit Card is the best card if you eventually want to move to an unsecured credit card. If you demonstrate a year of responsible use, you can request to upgrade to an unsecured credit card. This card has an annual fee of $29. 4. First Progress Platinum Prestige MasterCard Secured Credit Card
If you expect to carry your balance over sometimes, then you should opt for this special APR deal. This card has an APR that’s under 10%, which will make paying back the balance on your card easier if you find yourself strapped for cash. 5. OpenSky Secured Visa Credit Card
The OpenSky credit card might be the best option for international students. Not only does it not require credit checks, but it also submits your credit report to the 3 major credit bureaus — great for building your credit! All in all, there are tons of secured credit cards you can choose from to get on the path to building your credit in the United States.

5 BEST Credit Cards If You Are an Immigrant in the USA in 2020

Best 5 Credit Cards for Immigrants in 2020
Best 5 Credit Cards for Immigrants in 2020
Table of Contents
6 Reasons US Immigrants Should Get a Credit Card
1. Rewards and Points
2. Cash Back
3. Air Miles
4. Fraud Protection
5. Universally Accepted
6. Buy Now, Pay Later
5 Best Credit Cards for New Immigrants in the U.S.
1. Capital One Secured Mastercard
2. Discover It Secured Mastercard
3. US Bank Secured Credit Card
4. First Progress Platinum Prestige MasterCard Secured Credit Card
5. OpenSky Secured Visa Credit Card
So, Which is the Best Credit Card for Non-U.S. Citizens?
Conclusion

US Bank Secured Credit Card
The US Bank Secured Credit Card is the best card if you eventually want to move to an unsecured credit card. If you demonstrate a year of responsible use, you can request to upgrade to an unsecured credit card. This card has an annual fee of $29. 4. First Progress Platinum Prestige MasterCard Secured Credit Card
If you expect to carry your balance over sometimes, then you should opt for this special APR deal. This card has an APR that’s under 10%, which will make paying back the balance on your card easier if you find yourself strapped for cash. 5. OpenSky Secured Visa Credit Card
The OpenSky credit card might be the best option for international students. Not only does it not require credit checks, but it also submits your credit report to the 3 major credit bureaus — great for building your credit! All in all, there are tons of secured credit cards you can choose from to get on the path to building your credit in the United States.

Best Credit Cards for Excellent Credit in May 2021 Best credit cards for excellent credit in May 2021
Our top picks of timely offers from our partners
Best credit cards for excellent credit in May 2021
Select analyzed the most popular credit cards offered by the biggest banks, financial companies and credit unions that we determined have excellent credit score requirements to find the best card for your needs.
Best cards for excellent credit
Best for Travel
American Express® Gold Card
Pros
Cons
Best for Cash Back
Citi® Double Cash Card
Pros
Cons
Best Welcome Bonus
Chase Sapphire Preferred®
Pros
Cons
Best 0% APR Period
Citi Simplicity® Card - No Late Fees Ever
Pros
Cons
Best for Luxury Perks
Chase Sapphire Reserve®
Pros
Cons
Best cards for excellent credit
Our methodology
 Excellent credit also gives you access to better terms on other financial products, such as auto loans and mortgages. It’s in your best interest to work toward excellent credit so you can benefit from lower interest rates and more generous loan terms. Don’t know your credit score? Check your credit score for free now. If you don’t fall within the excellent credit range, check out our roundup of the best cards for bad credit (scores below 580), fair/average credit (580 to 669) or good credit (670 to 739). Select breaks down the best cards for people with excellent credit, so you can choose a card that fits your needs. Best cards for excellent credit
Best for Travel: American Express® Gold Card
Best for Cash Back: Citi® Double Cash Card
Best Welcome Bonus: Chase Sapphire Preferred® Card
Best 0% APR Period:

Best Credit Cards for Excellent Credit in May 2021

Best credit cards for excellent credit in May 2021
Our top picks of timely offers from our partners
Best credit cards for excellent credit in May 2021
Select analyzed the most popular credit cards offered by the biggest banks, financial companies and credit unions that we determined have excellent credit score requirements to find the best card for your needs.
Best cards for excellent credit
Best for Travel
American Express® Gold Card
Pros
Cons
Best for Cash Back
Citi® Double Cash Card
Pros
Cons
Best Welcome Bonus
Chase Sapphire Preferred®
Pros
Cons
Best 0% APR Period
Citi Simplicity® Card - No Late Fees Ever
Pros
Cons
Best for Luxury Perks
Chase Sapphire Reserve®
Pros
Cons
Best cards for excellent credit
Our methodology

Excellent credit also gives you access to better terms on other financial products, such as auto loans and mortgages. It’s in your best interest to work toward excellent credit so you can benefit from lower interest rates and more generous loan terms. Don’t know your credit score? Check your credit score for free now. If you don’t fall within the excellent credit range, check out our roundup of the best cards for bad credit (scores below 580), fair/average credit (580 to 669) or good credit (670 to 739). Select breaks down the best cards for people with excellent credit, so you can choose a card that fits your needs. Best cards for excellent credit
Best for Travel: American Express® Gold Card
Best for Cash Back: Citi® Double Cash Card
Best Welcome Bonus: Chase Sapphire Preferred® Card
Best 0% APR Period:

5 BEST Credit Cards If You Are an Immigrant in the USA in 2020 Best 5 Credit Cards for Immigrants in 2020
Best 5 Credit Cards for Immigrants in 2020
Table of Contents
6 Reasons US Immigrants Should Get a Credit Card
1. Rewards and Points
2. Cash Back
3. Air Miles
4. Fraud Protection
5. Universally Accepted
6. Buy Now, Pay Later
5 Best Credit Cards for New Immigrants in the U.S.
1. Capital One Secured Mastercard
2. Discover It Secured Mastercard
3. US Bank Secured Credit Card
4. First Progress Platinum Prestige MasterCard Secured Credit Card
5. OpenSky Secured Visa Credit Card
So, Which is the Best Credit Card for Non-U.S. Citizens?
Conclusion
 Look at all of your options and see which card best fits your needs. Although it does not come with any rewards and has an annual fee of $35, our favorite secured credit card for international students is the OpenSky Secured Visa Credit Card. The card is easy to obtain and is effective for building your credit card reputation in the United States. So, Which is the Best Credit Card for Non-U.S. Citizens? The answer to this question really depends on the need of the non-citizen. If you’re looking for a lower amount credit line to establish a credit history in the U.S., you might want to apply for CapitalOne Secured Mastercard. If you’re looking to earn some rewards for your credit use, then the Discover It Secured Mastercard might be the best option for you. Once you know what you’re looking for in a credit card, you can determine which is the right fit for you! Personal Loans
for Non-U.S. Citizens! Check Loan Options
Loans for up to $35,000.

Look at all of your options and see which card best fits your needs. Although it does not come with any rewards and has an annual fee of $35, our favorite secured credit card for international students is the OpenSky Secured Visa Credit Card. The card is easy to obtain and is effective for building your credit card reputation in the United States. So, Which is the Best Credit Card for Non-U.S. Citizens? The answer to this question really depends on the need of the non-citizen. If you’re looking for a lower amount credit line to establish a credit history in the U.S., you might want to apply for CapitalOne Secured Mastercard. If you’re looking to earn some rewards for your credit use, then the Discover It Secured Mastercard might be the best option for you. Once you know what you’re looking for in a credit card, you can determine which is the right fit for you! Personal Loans
for Non-U.S. Citizens! Check Loan Options
Loans for up to $35,000.

5 BEST Credit Cards If You Are an Immigrant in the USA in 2020 Best 5 Credit Cards for Immigrants in 2020
Best 5 Credit Cards for Immigrants in 2020
Table of Contents
6 Reasons US Immigrants Should Get a Credit Card
1. Rewards and Points
2. Cash Back
3. Air Miles
4. Fraud Protection
5. Universally Accepted
6. Buy Now, Pay Later
5 Best Credit Cards for New Immigrants in the U.S.
1. Capital One Secured Mastercard
2. Discover It Secured Mastercard
3. US Bank Secured Credit Card
4. First Progress Platinum Prestige MasterCard Secured Credit Card
5. OpenSky Secured Visa Credit Card
So, Which is the Best Credit Card for Non-U.S. Citizens?
Conclusion
 This card has an APR that’s under 10%, which will make paying back the balance on your card easier if you find yourself strapped for cash. 5. OpenSky Secured Visa Credit Card
The OpenSky credit card might be the best option for international students. Not only does it not require credit checks, but it also submits your credit report to the 3 major credit bureaus — great for building your credit! All in all, there are tons of secured credit cards you can choose from to get on the path to building your credit in the United States. Look at all of your options and see which card best fits your needs. Although it does not come with any rewards and has an annual fee of $35, our favorite secured credit card for international students is the OpenSky Secured Visa Credit Card. The card is easy to obtain and is effective for building your credit card reputation in the United States. So, Which is the Best Credit Card for Non-U.S. Citizens? The answer to this question really depends on the need of the non-citizen.

This card has an APR that’s under 10%, which will make paying back the balance on your card easier if you find yourself strapped for cash. 5. OpenSky Secured Visa Credit Card
The OpenSky credit card might be the best option for international students. Not only does it not require credit checks, but it also submits your credit report to the 3 major credit bureaus — great for building your credit! All in all, there are tons of secured credit cards you can choose from to get on the path to building your credit in the United States. Look at all of your options and see which card best fits your needs. Although it does not come with any rewards and has an annual fee of $35, our favorite secured credit card for international students is the OpenSky Secured Visa Credit Card. The card is easy to obtain and is effective for building your credit card reputation in the United States. So, Which is the Best Credit Card for Non-U.S. Citizens? The answer to this question really depends on the need of the non-citizen.

The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
Best credit cards for excellent credit
What is excellent credit? | How to get excellent credit | How to pick a card for excellent credit | How to get approved | FAQs
Best high limit credit card for excellent credit
Chase Sapphire Preferred® Card
ValuePenguin's verdict
Benefits
Drawbacks
Best cashback credit card for excellent credit
Citi® Double Cash Card – 18 month BT offer
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
ValuePenguin's verdict
Benefits
Drawbacks
Best grocery credit card for excellent credit
Blue Cash Preferred® Card from American Express
Earn a $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.
ValuePenguin's verdict
Benefits
Drawbacks
Best luxury credit card for excellent credit
The Platinum Card® from American Express
Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
ValuePenguin's verdict
Benefits
Drawbacks
Best travel credit card for excellent credit
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
ValuePenguin's verdict
Benefits
Drawbacks
What is excellent credit?
FICO score ranges
VantageScore ranges
How to get excellent credit
How to pick a card for excellent credit
How will you use the card?
What do you spend the most on?
Sign-up bonus
Annual fee vs. no annual fee
Other benefits
How to get approved for a credit card for excellent credit
What's the highest credit rating?
What credit cards can you get with a 700 credit score?
What is the best credit card for someone with excellent credit?
Is a 750 credit score good or excellent?
How many credit cards should you have for excellent credit?
Which credit cards offer the highest credit limit?
What is the hardest credit card to get?
 The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin
The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
by Allie Johnson updated May 24, 2021
Advertiser Disclosure
Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. Need help choosing a credit card for excellent credit? We shopped current card offers to create a list of the best cards and their pros and cons. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer.

The Best Credit Cards for Excellent Credit in 2021 - ValuePenguin
The Best Credit Cards for Excellent Credit in 2021
The Best Credit Cards for Excellent Credit in 2021
by Allie Johnson updated May 24, 2021
Advertiser Disclosure
Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. Need help choosing a credit card for excellent credit? We shopped current card offers to create a list of the best cards and their pros and cons. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer.

6 Different Types of Credit Cards - Which One is Best for You? - 6 Different Types of Credit Cards – Which One is Best for You?
6 Different Types of Credit Cards – Which One is Best for You?
Johnny Jet Editorial October 6, 2020
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Different Types of Credit Cards
1. Travel Rewards Credit Cards
Airline and Hotel Credit Cards
Flexible Travel Credit Cards
Premium Travel Credit Cards
2. Cash Rewards Credit Cards
3. Balance Transfer Credit Cards
4. Business Credit Cards
5. Student Credit Cards
6. Secured Credit Cards
Summary of the Best Different Types of Credit Cards
Chase Sapphire Preferred® Card
 Although college student credit card spending limits are kept small, college students can enjoy better rewards than non-college students with similar credit profiles. Some student credit cards offer a statement credit by maintaining a minimum 3.0-grade point average. By establishing a positive payment history in college, it’s possible to have a good credit score to qualify for a top rewards credit card after graduation. The Journey® Student Rewards from Capital One® is an unsecured card that doesn’t require a security deposit and it may offer a higher credit limit than secured credit cards. It also doesn’t charge an annual fee or foreign transaction fee and it earns purchase rewards. This can be used to build credit without having to worry about extra fees. Cardholders can use the free CreditWise app to track their credit. You earn 1% cash back on every purchase and on-time payments get you a 1.25% boost. This means you get 1.25% back on every purchase when you pay your balance in full each month. If you spend $200 a month, you get a $2.50 bonus cash instead of the standard $2 bonus cash (minus potential late fees) with the 1% bonus.

6 Different Types of Credit Cards - Which One is Best for You? -

6 Different Types of Credit Cards – Which One is Best for You?
6 Different Types of Credit Cards – Which One is Best for You?
Johnny Jet Editorial October 6, 2020
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Different Types of Credit Cards
1. Travel Rewards Credit Cards
Airline and Hotel Credit Cards
Flexible Travel Credit Cards
Premium Travel Credit Cards
2. Cash Rewards Credit Cards
3. Balance Transfer Credit Cards
4. Business Credit Cards
5. Student Credit Cards
6. Secured Credit Cards
Summary of the Best Different Types of Credit Cards
Chase Sapphire Preferred® Card

Although college student credit card spending limits are kept small, college students can enjoy better rewards than non-college students with similar credit profiles. Some student credit cards offer a statement credit by maintaining a minimum 3.0-grade point average. By establishing a positive payment history in college, it’s possible to have a good credit score to qualify for a top rewards credit card after graduation. The Journey® Student Rewards from Capital One® is an unsecured card that doesn’t require a security deposit and it may offer a higher credit limit than secured credit cards. It also doesn’t charge an annual fee or foreign transaction fee and it earns purchase rewards. This can be used to build credit without having to worry about extra fees. Cardholders can use the free CreditWise app to track their credit. You earn 1% cash back on every purchase and on-time payments get you a 1.25% boost. This means you get 1.25% back on every purchase when you pay your balance in full each month. If you spend $200 a month, you get a $2.50 bonus cash instead of the standard $2 bonus cash (minus potential late fees) with the 1% bonus.

Best credit cards for extended warranty in 2020 - The Points Guy Best credit cards for extended warranties
Best credit cards for extended warranties
The best extended warranty cards of 2020
What is a credit card extended warranty?
Comparison of the best credit cards for extended warranty
Comparison of the best Citi credit cards for extended warranty
Comparing the best American Express cards for extended warranty
Comparing the best Chase credit cards for extended warranty
Related: How I used Chase’s extended warranty benefit to get a new phone
Other cards with extended warranty benefits
Related: The best Visa credit cards
How to utilize credit card extended warranty
What isn’t covered by credit card extended warranty
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The All-New United Quest℠ Card
 Best low-annual-fee card for Southwest travelers
British Airways Visa Signature Card: Best for British Airways travelers
Hilton Honors American Express Aspire Card: Best for Hilton loyalists
Marriott Bonvoy Brilliant™ American Express® Card: Best for Marriott loyalists
World of Hyatt Credit Card: Best for Hyatt loyalists
Costco Anywhere Visa® Card by Citi: Best for Costco members
The information for the Amex Green, U.S. Bank Altitude Reserve card, Citi AAdvantage Platinum Select card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. What is a credit card extended warranty? The extended warranty protection offered by select credit cards effectively extends the manufacturer’s warranty on eligible products purchased with the card. This protection mirrors the protection provided by the original manufacturer’s warranty, so damage that would have been covered by the original warranty will be covered by the extended warranty.

Best credit cards for extended warranty in 2020 - The Points Guy

Best credit cards for extended warranties
Best credit cards for extended warranties
The best extended warranty cards of 2020
What is a credit card extended warranty?
Comparison of the best credit cards for extended warranty
Comparison of the best Citi credit cards for extended warranty
Comparing the best American Express cards for extended warranty
Comparing the best Chase credit cards for extended warranty
Related: How I used Chase’s extended warranty benefit to get a new phone
Other cards with extended warranty benefits
Related: The best Visa credit cards
How to utilize credit card extended warranty
What isn’t covered by credit card extended warranty
Sign up for our daily newsletter
The All-New United Quest℠ Card

Best low-annual-fee card for Southwest travelers
British Airways Visa Signature Card: Best for British Airways travelers
Hilton Honors American Express Aspire Card: Best for Hilton loyalists
Marriott Bonvoy Brilliant™ American Express® Card: Best for Marriott loyalists
World of Hyatt Credit Card: Best for Hyatt loyalists
Costco Anywhere Visa® Card by Citi: Best for Costco members
The information for the Amex Green, U.S. Bank Altitude Reserve card, Citi AAdvantage Platinum Select card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. What is a credit card extended warranty? The extended warranty protection offered by select credit cards effectively extends the manufacturer’s warranty on eligible products purchased with the card. This protection mirrors the protection provided by the original manufacturer’s warranty, so damage that would have been covered by the original warranty will be covered by the extended warranty.