想要快速批准、现金返还福利或零年费？

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Cashback Credit Cards

These cards return a percentage of your spending as cash rewards — making everyday purchases more rewarding.

Some offer higher rates for specific categories like groceries, dining out, or fuel, while others apply a flat cashback rate to all transactions.

最适合： Shoppers who frequently spend on daily essentials and want to stretch their money further. Cashback cards are great for those who prioritize savings without changing their spending habits.

Get a $100 Welcome Bonus + 4% Back on Everyday Spending

When you spend $500 within your first 3 months, you’ll receive a $100 cash bonus — and a donation will be made to a nonprofit on your behalf. On top of that, earn 4% cashback in popular spending categories, all with zero annual fee.

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旅行信用卡

Travel cards let you accumulate points or miles that can be redeemed for flights, hotels, car rentals, and more. Many include premium features like lounge access, early boarding, and trip protection.

最适合： Frequent travelers — whether for work or leisure — looking to save on travel costs and enjoy VIP treatment while on the move.

Points-Based Cards: Reward Your Way

Points cards provide flexible redemption options — including travel, merchandise, account credits, and gift vouchers.

Some are tied to popular brands, giving your points more value when used with specific partners.

最适合： Those who appreciate choice and want to customize how they redeem their rewards based on changing needs.

Store-Branded Cards

Retail credit cards are tied to specific brands or stores and offer exclusive savings, early sale access, and promotional financing.

最适合： Shoppers loyal to a particular store who want tailored benefits that general cards don’t provide.

Secured Credit Cards: Build or Rebuild Credit

These cards are designed to help users establish or fix their credit history. A refundable deposit is required and typically determines the card’s credit limit.

最适合： People new to credit or those working to boost their score through responsible use and timely payments.

Every type of credit card brings distinct advantages — it all depends on your financial habits and goals.

Understanding these categories can help you choose smarter and move closer to a card that truly supports your journey.

Citi® 双现金卡 Earn 2% Back on Everything Without the Annual Fee

大通蓝宝石首选® Get a $200 Bonus + Up to 5% Cash Back

第一资本快银 Flat 1.5% Cash Back With No Annual Fee — And $200 Bonus

Discover it® 现金返还 5% Cashback in Rotating Categories, Plus Match Your Cashback for the First Year

American Express® Green Card Earn Travel Rewards and Unlock Exclusive Benefits

作者：亚瑟 Updated on 4 月 23, 2025