Cash back cards
The simplest rewards there are. Typically 1% to 2% back in your pocket on everything you buy, with no points math and no transfer partners to figure out.
Browse Cash Back CardsCredit Cards
Cards that work as hard as you do.
From funding your ad spend to earning the points that pay for the flight, the right card quietly pays you back every month. Start with the category that fits what you are actually spending on.
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Which credit card is right for you?
Get the most out of what you already spend. If you are running a store, start with business cards. Everything else is covered below.
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Best business credit cards
If you run a store, this is the one that matters most. Business cards keep your company spending separate from your personal accounts, earn at the highest rates on advertising and software, and start building a credit profile under your EIN. They are also easier to get approved for than most people expect, even with a brand new business.
Travel cards
For frequent and aspiring travelers. Flexible points you can redeem on flights and hotels, plus perks like lounge access and no foreign transaction fees.
Browse Travel CardsEveryday rewards cards
Maximize everyday spending by earning miles, points, or cash on every purchase, with bonus categories on the things you buy the most.
Browse Everyday Rewards CardsBalance transfer cards
These offer a low or 0% introductory period on a balance you move over, which gives you room to pay down debt without interest piling on top of it.
Browse Balance Transfer Cards0% Intro APR Cards
If a big purchase is coming, an intro period with no interest buys you time to pay it off. Just write down the exact date the promo ends.
Browse 0% Intro APR CardsNo annual fee cards
Some rewards cards charge a hefty yearly fee. These skip it entirely and still come with benefits worth having, which makes them easy to keep long term.
Browse No Annual Fee CardsCards for bad credit
Built for people rebuilding their score. Secured and starter cards that report to the bureaus so you can work your way back to better offers.
Browse Bad Credit Cards
Why I put this page together
I have run high-ticket stores for over 15 years and I have been a digital nomad for more than 10 of them. Cards are how I fund ad spend, cover supplier deposits, and earn the points that pay for flights. These are the same categories I walk my clients through when they set up the money side of a new business.
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Frequently asked questions
How do credit cards actually work?
A credit card is a short term loan on the purchases you make. Each month you can spend up to your credit limit without paying out of your own bank account, then you get a statement covering everything you charged.
Pay the full balance and you owe no interest at all. Pay only the minimum and the rest starts accruing interest, which compounds daily and adds up faster than most people expect.
How do I choose the right card?
Start with what you are going to use it for. If you are running a store, a business card almost always wins because your biggest expenses sit in categories those cards reward.
If it is for personal spending, look at where your money actually goes each month. Groceries, dining, gas, travel. Let your real spending pick the card instead of chasing whichever signup bonus looks biggest.
Do I need a business to get a business credit card?
Less of one than you would think. A sole proprietorship counts, and most issuers will approve a brand new company using your personal credit score and your projected revenue.
You will need your legal business name, your EIN (or your social if you are a sole prop), and an honest estimate of annual revenue. Do not inflate that number to chase a bigger limit.
Does applying hurt my credit score?
Yes, a little. Almost every application triggers a hard pull that knocks a few points off temporarily, and that mark sticks around for a couple of years.
The upside with business cards is that most issuers do not report your monthly balance to the personal bureaus, so a heavy spending month will not wreck your personal utilization.
What should I watch for in the fine print?
Read the terms before you apply. Some cards carry interest above 30 percent, steep annual fees, and penalty rates that trigger easily.
On rewards cards, check the exclusions. If you want a cash back card for groceries, make sure the store you actually shop at is not carved out of the bonus category.
Is a 0% intro APR a good way to fund a big purchase?
It can be, and it is also how people get themselves into trouble. The offer is genuinely free money while it lasts, but only if you clear the balance before it expires.
Write down the exact end date and work backward from there. When the promo runs out the rate can jump above 25 percent, and that will eat any rewards you earned.