Your Checklist
Open a bank account
Create a budget
Save an emergency fund
Get a credit card
Pay off debts
Start investing
Share Senzu with friends & family
What are the best credit cards for me?
These are the best credit cards organized by category
| Name | Signup Offer | Rewards | Annual Fee | APR | Credit Score Required |
|---|---|---|---|---|---|
 Chase Sapphire ReserveBest overall rewards card if you spend over $2,750 annually on travel and dining | 50k points after spending $4,000+ in the first 3 months | 3pts per dollar on travel/dining, 1pt per dollar on everything else. $300 annual travel credit | $450 | 16.49% – 23.49% variable APR | 690+ |
 Chase Freedom UnlimitedGreat cash back card with sign up offer | $150 for spending $500+ in the first 3 months | 1.5% cashback | None | 0% Intro APR for 15 months 15.49% – 24.24% APR after that | 690+ |
 Citi Double CashBest card for highest cash back rate | None | 2% cashback | None | 0% Intro APR on balance transfers for 18 months 13.49% - 23.49% APR after that | 690+ |
 Chase Sapphire PreferredBest overall rewards card | 50k points after spending $4,000+ in the first 3 months | 2pts per dollar on travel/dining, 1pt per dollar on everything else | $0 for first year, $95 after that | 16.49%–23.49% variable APR | 690+ |
| Name | Signup Offer | Rewards | Annual Fee | APR | Credit Score Required |
|---|---|---|---|---|---|
 Citi ThankYou PreferredOne of the few student cards that offers a signup bonus | 15k points spending $1,000+ in the first 3 months | 2pts per dollar on dining/entertainment, 1pt per dollar on everything else | None | 0% Intro APR for 12 months 13.49% - 23.49% APR after that | 690+ |
 Discover it for StudentsA card for students with generous rewards | None | 5% cash back on rotating categories, 1% cash back on everything else | None | 0% Intro APR for 6 months 13.49% - 22.49% APR after that | 630+ |
 Journey Student by Capital OneA card for students with no foreign transaction fees | None | 1% cash back, pay on time to boost it to 1.25% | None | 20.49% variable APR | 630+ |
| Name | Signup Offer | Rewards | Annual Fee | APR | Credit Score Required |
|---|---|---|---|---|---|
 Southwest Rapid Rewards PremierA great choice for Southwest flyers even if you have excellent credit | 50k points spending $2,000+ in the first 3 months | 2pts per dollar on Southwest/Rapid Rewards travel expenses, 1pt per dollar on everything else | $69 | 16.49 - 23.49% varialbe APR | 630+ |
Discover it MilesA great rewards card with no foreign transaction fees | None | 1.5 miles per dollar spent | None | 0% Intro APR for 14 months 11.49% - 23.49% APR after that | 630+ |
 Chase FreedomBest cash back card for average credit | $150 for spending $500+ in the first 3 months | 5% cash back on rotating categories, 1% cash back on everything else | None | 0% Intro APR for 15 months 15.49% – 24.24% APR after that | 630+ |
| Name | Signup Offer | Rewards | Annual Fee | APR | Credit Score Required |
|---|---|---|---|---|---|
Discover it SecuredA great choice for cash back on every purchase | None | 2pts per dollar on gas/restaurant expenses, 1pt per dollar on everything else | None | 23.49% variable APR | 350+ |
 CaptitalOne Secured MasterCardA card that gives you high credit limits relative to the minimum deposit required | None | None | None | 24.99% variable APR | 350+ |
| Name | Signup Offer | Rewards | Annual Fee | APR | Credit Score Required |
|---|---|---|---|---|---|
 Amazon Prime Rewards VisaA great choice for Amazon.com purchases | None | 5% cash back at Amazon.com, 2% back at restaurants/gas stations/drug stores, 1% back on everything else | None | 14.74% - 22.74% variable APR | 690+ |
 Quicksilver RewardsA good cash back card that is offering Uber discounts through March 2017 | $100 for spending $500+ in the first 3 months | 1.5% cash back, $15 in Uber Credits every time you pay for 9 rides through March 2017 | None | 0% Intro APR for 9 months 13.49% – 23.49% APR after that | 690+ |
 QuicksilverOne RewardsA good cash back card that is offering Uber discounts through March 2017 | None | 1.5% cash back, $15 in Uber Credits every time you pay for 9 rides through March 2017 | $39 | 24.99% variable APR | 630+ |