Some credit cards don’t make it clear to potential cardholders whether they are Visa credit cards or Mastercard credit cards (or sometimes American Express cards). So we made this list. If you don’t see the card you’re looking for, it may be a store credit card that is only accepted at a specific retail chain and is not a Mastercard or Visa. (For example, the Home Depot credit card, Lowe’s credit card, Kohl’s credit card, etc.)

• AARP Essential Rewards MASTERCARD
• Alaska Airlines VISA
• Alliant Credit Union Cashback VISA
• Amazon Rewards VISA (and Amazon Prime VISA)
• American Airlines AAdvantage Aviator Red MASTERCARD (issued by Barclays)
• American Airlines AAdvantage Platinum Select MASTERCARD (issued by Citi)
• Apple Card MASTERCARD
• Avant MASTERCARD
• BankAmericard MASTERCARD
• Bank of America Customized Cash VISA
• Bank of America Travel Rewards VISA
• Bank of America Unlimited Cash Rewards VISA
• Best Buy VISA
• Bilt Rewards MASTERCARD

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

Updated December 1, 2021 – Below we list the very best credit cards on the market, including cash back and travel rewards cards. See the cards’ applications pages for further details as well as information on introductory bonus offers and any exclusions on rewards & perks.

Best Cash Back Credit Cards

“Flat” Cash Back (Same Rebate Percentage on All Purchases):

• Wells Fargo Active Cash Visa – You get 2% “flat” cash back, meaning you get the same 2% cash back on every purchase with the card. Plus, you can earn a bonus as a new cardholder, something most other 2% cards do not offer. (Right now that bonus is $200 if you spend $1000 or more with the card in the first three months after account opening.)
• FNBO Evergreen Visa – Like the card above, this one offers 2% “flat” cash back on all card purchases, and you can also earn a bonus as a new cardholder. (Current bonus is $200 if you spend $1000 or more with the card in the first three months.)
• Citi Double Cash – 2% “flat” cash back, meaning you get the same 2% cash back on every purchase with the card. (Note that you only get the full 2% once you’ve actually paid off your purchases.)
• SoFi Credit Card – Earn 2% cash back on all purchases, but only if you deposit your earnings into a SoFi account. Notable difference here: No foreign transaction fees on purchases outside of the United States.
• Other 2% “flat” cash back credit cards: Fidelity Visa, PayPal Cashback Mastercard

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

The Capital One Savor Rewards Card is one of two credit cards that Capital One has branded with the “Savor” name (the other is the SavorOne Card). In this review we’ll mainly look at what the Savor Card has to offer, but we’ll also contrast it with the SavorOne card if you’re trying to choose between the two. (Spoiler alert: We actually prefer the no-annual-fee SavorOne Card.)

Capital One Savor Has A $95 Annual Fee

If you’re thinking of applying for the Capital One Savor Card, you’ll definitely want to consider the $95 annual fee that you will pay every year that you hold the card. Are the rewards you’ll earn with this card worth paying for?

Capital One Savor Offers Cash Back Rewards

You’ll earn cash back on the Savor Card using the following formula:

• 4% cash back on dining purchases
• 4% cash back on entertainment purchases
• 4% cash back on “popular” streaming services
• 3% cash back at grocery stores
• 1% cash back on all other purchases

What is included in these categories?

• Dining is defined as “purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.”
• Entertainment is defined as “ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys.” Capital One also mentions exclusions here, so entertainment does NOT mean “golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.”
• Streaming Services include “music and video streaming services, including Netflix , Hulu, and Disney +.” Other services are included beyond those mention, but Capital One also says that “Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming.”
• Grocery Stores are defined as “a supermarket, meat locker, freezer, dairy product store and specialty market.” Note that Capital One specifically says that “superstores like Walmart® and Target®” are NOT part of the grocery store category.

Below is a list of stores that accept Afterpay for “buy now, pay later’ financing, listed in alphabetical order. NOTE: In some cases, you’ll need to use the Afterpay app to purchase at these retailers:

• Adidas
• American Eagle
• Anthropologie
• ASOS
• Athleta
• Athletic Propulsion Labs (APL)
• Banana Republic
• Bandier
• BCBG
• Bed Bath & Beyond
• Belk
• Birkenstock
• Boohoo
• Buckle

Updated November 17, 2021 – Have you seen a credit card listed on your credit report from SYNCB? SYNCB is an abbreviation for Synchrony Bank, the issuer of many store credit cards, including cards for retailers like Sam’s Club, PayPal, Gap, Lowe’s, etc. Below you’ll find a list of all the Synchrony Bank credit cards on the market today. If you know of one we’ve missed, e-mail adam@proudmoney.com.

• AAMCO Credit Card
• ABC Warehouse Credit Card
• Abt Electronics Credit Card
• Amazon.com Store Card (but NOT the Amazon Visa, which is issued by Chase)
• American Eagle Outfitters Credit Card
• American Signature Furniture Credit Card
• America’s Tire Credit Card
• Ashley Furniture HomeStore Credit Card
• Athleta Credit Card
• At Home Credit Card
• Atwoods Credit Card
• Banana Republic Credit Card
• Belk Credit Card
• B&H Photo & Video Payboo Credit Card

Updated November 15, 2021 – Comenity Bank and its sister company Comenity Capital Bank are the issuers behind many retail store credit cards and other credit cards as well. If you have a credit card from one of the companies listed below, it’s not issued by the store whose name is on the front, but instead by Comenity:

• Academy Sports Credit Card
• AKC (American Kennel Club) (Card no longer offered)
• Alphaeon Medical Credit
• Ann Taylor
• Arhaus
• Ashley Stewart
• Avenue
• Bealls Florida Credit Card
• Bealls Outlet / Burkes Outlet
• Bed Bath & Beyond
• Big Lots
• BJ’s Wholesale Club
• Blair
• Blue Nile

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

Consumer Reports has long been a respected name when it comes to reviewing consumer products and choosing the best of the options in the marketplace. Its coverage of cars & trucks is especially well respected, because it offers reviews of new vehicles as well as used vehicles, including information on which cars have the most problems (and fewest problems) and how long you can expect a certain make and model to last.

To us, it is established that Consumer Reports provides value. But the question is: how much value? Is it worth it to be a paid subscriber?

How much is a subscription?

Let’s talk first about what Consumer Reports actually costs. You can get an online subscription for $39 per year, or you can choose to get that online subscription at $10 per month if you want to test it out for a shorter term. (But note that it will automatically renew each month unless you stop it.)

Looking for a great credit card bonus but don’t want an annual fee? Here are the best current signup bonus offers on credit cards with no annual fee:

Best Cash Signup Bonuses:

• Chase Freedom Flex – Get a $250 bonus when you spend $500 or more with this card within 3 months after opening the account.
• Chase Freedom Unlimited – Get a $250 bonus when you spend $500 or more with this card within 3 months after opening the account.
• Blue Cash Everyday from American Express – Get a $250 signup bonus when you spend at least $2000 on the card within 6 months after you open your account.
• Wells Fargo Active Cash Card – Get a $200 signup bonus on this 2% cash-back credit card when you spend at least $1000 with the card in the first three months after approval.
• FNBO Evergreen Visa – Get a $200 signup bonus on this 2% cash-back credit card when you spend at least $1000 with the card in the first three billing cycles after account opening.
• Citi Custom Cash Card – Get a $200 bonus after you spend at least $750 in the first 3 months after account opening.

If we were looking for an opportunity to work from home, these are the 15 opportunities we’d tackle first. All are legitimate stay-at-home work jobs, and this site does not receive any compensation if you choose to work with any of them.

• Enterprise – The well-known car rental company often hires at-home customer service representatives and reservation agents who work with Enterprise customers by telephone.
• TTEC (TeleTech) – Offers work-at-home customer service opportunities. From their site: “As a TTEC@Home associate, you’ll use TeleTech’s proprietary technology to support and assist customers with a variety of customer service and technical needs. This could include helping customers over the phone, via chat, or on social media. Best of all, you can do it all while wearing your slippers or flip flops! (To get started, you’ll need internet access and a home phone.)”
• American Express – Offers a variety of “virtual career opportunities” that could let you work from home. The Travel Counselor/Customer Service telephone jobs will probably be the most interesting if you don’t have the specific skills required for other Amex remote jobs. (If you don’t see the work-from-home jobs when you first click through, type “virtual” in the job title field to see current work-at-home jobs.)

(This is a regularly updated post; last update 11/5/21.) If you’ve ever been pitched on opening a new credit card at a retail store while making a purchase, you know that some stores are more than happy to give you instant credit — you apply on the spot, get approved, and you can use the card immediately. Below we offer a list of such cards, including regular bank credit cards as well as retail credit cards. Apply online and get shopping today. (Note that instant approval is not guaranteed.)

• American Express Cards – Most American Express credit cards and charge cards now offer the possibility of an “Instant Card Number” upon approval. Your “eligibility is based on our ability to instantly validate your identity.” If you are eligible, you’ll get an Instant Card Number that you can use even before you have the physical card in hand. Note, however, that you may not be able to access your card’s complete credit line instantly.
• PayPal Cashback Mastercard – One of the better cash back credit cards on the market lets you use your card today if you are approved instantly. Here’s the language they use to describe the process: “If you’re approved, in most cases, a temporary credit line will instantly be added to your PayPal account and you can start using it on PayPal right away – – even before you receive your card.” Beyond the instant approval, this card gives you a 2% rebate on everything you buy with it — which is the top of the market for cash-back cards with a flat rate on all purchases.