6 Credit Cards for College Commuters

A long commute to college isn't fun, unless you have a credit card that rewards you for driving and spending money on gas.

[DISCLOSURE: Cards from our partners are mentioned below.]

Waking up early to rush to class is never fun, and having to commute to school doesn’t make mornings any easier. Whether you live 15 minutes from campus or more than an hour away, every minute and mile counts. Being a few minutes late can ruin your performance on an exam, and having to drive a few extra miles can wreck your wallet.

While the first rings of an alarm clock might never get less jarring, having a credit card made for commuters can ease your mind during your morning commute. All of these cards offer great perks as well as gas-focused rewards that’ll turn every commute into an opportunity to rack up cash. (It’s a good idea to check your credit before applying for a new card. You can check two of your scores for free on Credit.com.)

1. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in annual spending at supermarkets, 3% cash back at gas stations and select department stores and 1% cash back on everything else.
Signup Bonus: $150 statement credit after spending $1,000 on your new card within the first 3 months.
Annual Fee: $0 intro annual fee for the first year of Card Membership, then a $95 annual fee.
Annual Percentage Rate (APR): Variable 13.99% to 24.99%.
Why We Picked It: The rewards are focused on gas and groceries, plus the APR can be low depending on your credit.
For College Commuters: You’ll save on gas in the long run, and buying snacks for your afternoon commute is more appetizing when you realize how much cash back you earn.
Drawbacks: If you constantly frequent gas stations, you may prefer a card with slightly better rewards on gas.

2. PenFed Platinum Rewards Visa Signature Card

Rewards: 5% cash back on gas purchases, 3% cash back on groceries and 1% cash back on everything else.
Signup Bonus: $100 Statement Credit when you spend $1,500 in first 90 days.
Annual Fee: None
APR: 0% intro APR on balance transfers for a year, and then variable 9.74% to 17.99%.
Why We Picked It: This card features unlimited rewards and a solid APR, alongside 1% cash back on everything.
For College Commuters: If you have a long commute that requires a lot of gas, this is a great card for racking up gas rewards.
Drawbacks: You have to become a member of the Pentagon Federal Credit Union.

3. BankAmericard Cash Rewards

Rewards: 3% cash back on gas, 2% at grocery stores and 1% on everything else. These rewards are capped at $2,500.
Signup Bonus: $150 cash rewards bonus online after spending $500 on purchases in the first 90 days of your account opening.
Annual Fee: None
APR: 0% APR for a year on purchases, and on balance transfers made within 60 days of opening your account. After that, variable APR of 13.99% to 23.99% will apply.
Why We Picked It: Your rewards never expire and they’re capped at a decent level if you’re not a large spender.
For College Commuters: If you have a shorter commute or very fuel efficient car, this card is for you because it has decent rewards up to a certain point.
Drawbacks: If you drive very often you might use up your rewards quickly.

4. Wells Fargo Propel American Express Card

Rewards: 3% cash back on gas, 2% on groceries and 1% back on everything else.
Signup Bonus: Earn 20,000 bonus points if you use your card to make $1,000 in purchases in the first 3 months.
Annual Fee: None
APR: 0% APR for 12 months on purchases and balance transfers. After that, variable APR will be 13.99% to 25.99%.
Why We Picked It: Your points last five years and there’s no annual fee.
For College Commuters: You can trade your points for cash, which is perfect for buying snacks, car chargers and more for your commute. Or, if your car breaks down during a drive, you can use your points for a rental car.
Drawbacks: The points eventually expire and the APR is on the higher side.

5. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on eligible gas purchases up to $7,000 per year. Earn 3% cash back on restaurants and travel, 2% back on Costco purchases and 1% cash back on everything else.
Signup Bonus: None
Annual Fee: $0 (you will need a paid Costco membership)
APR: 0% APR on purchases for seven months, after that, variable 16.24% APR
Why We Picked It: The rewards are excellent and heavily focus on gas. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For College Commuters: This card is great for those who are near a Costco during their commute and often get their gas there.
Drawbacks: This card is only available to those with an active Costco membership.

6. Marathon Credit Card by Visa

Rewards: Receive $0.25 rebate per each gallon of gas you purchase when you charge at least $1,000 that month, $0.15 rebate per gallon if you spend at least $500 that month and $0.05 rebate per gallon if you spend less than $500.
Signup Bonus: Receive up to $0.50 per gallon for the first 90 days.
Annual Fee: None
APR: For purchases, 25.99%, 21.99%, or 17.99% when you open your account, based on your creditworthiness. For, balance transfers and cash advances, 26.99%.
Why We Picked It: This credit card focuses on gas and features great rewards.
For College Commuters: Living in the Midwest or Southeast has its perks if you have Marathon gas stations nearby. Whether you’re buying gas frequently for a long commute or only buying it occasionally, you’re still earning rewards.
Drawbacks: The APR for this card is really high. The rebates can only be redeemed as $25 Marathon cash cards that expire after 24 months. This card is only worth it if you frequently go to Marathon for gas.

Image: Georgijevic

At publishing time, the Blue Cash Preferred® Card from American Express, PenFed Platinum Rewards Visa Signature® Card, Wells Fargo Propel American Express® Card and Costco Anywhere Visa® Card are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 6 Credit Cards for College Commuters appeared first on Credit.com.

4 Credit Cards for At-Home Gourmet Chefs

Gourmet chefs who love cooking elevated cuisine at home should consider these money-saving credit cards that offer great food-related rewards.

[DISCLOSURE: Cards from our partners are mentioned below.]

Cooking at home is a way to hone your skills and try new dishes without having to shell out big bucks at a fancy restaurant. When making gourmet cuisine from the comfort of your own home, there are plenty of ways to save money on quality ingredients. Cooking every day can end up being expensive, especially if you’re making food that’s organic or exotic.

All of your grocery shopping and driving expenses can add up, so if you’re someone who loves to cook elevated food at home, you’ll want a credit card that rewards you for your spending. Read on for our picks for the best credit cards for at-home gourmet chefs. (If you plan to apply, be sure your credit score is high enough to qualify. You can check two of your scores for free on Credit.com.)

1. Blue Cash Preferred Card from American Express

Rewards: 6% cash back at the supermarket on up to $6,000 of purchases per year. Any purchases over your $6,000 limit will still earn you 1% cash back. Additionally, there are 3% cash back rewards on gas.
Signup Bonus: $150 statement credit after spending $1,000 on your new card within the first three months.
Annual Fee: $95
Annual Percentage Rate (APR): 0% intro APR on purchases and balance transfers for a year, and then variable 13.99% to 24.99%.
Why We Picked It: The rewards are excellent and the APR can be relatively low, depending on your creditworthiness.
For Gourmet Chefs: This card is perfect for someone who spends ample time grocery shopping and cooking to their heart’s desire. The gas rewards are great if you’re someone who loves to scour faraway, specialty markets for the most authentic tahini paste.
Drawbacks: If you prefer to shop for ingredients online instead of spending at supermarkets and gas stations, this card won’t hold as much value for you.

2. PenFed Platinum Rewards Visa Signature Card

Rewards: You’ll get 3% back on all supermarket purchases, 5% back on gas purchases and 1% back on all other purchases.
Signup Bonus: $100 statement credit after spending $1,500 in the first 90 days.
Annual Fee: None
Annual Percentage Rate (APR): 0% intro APR on balance transfers for a year, and then variable 9.74% to 17.99%. 9.74% to 19.99% on purchases.
Why We Picked It: The intro APR (for balance transfers) period is long and the rewards are extremely good, plus there’s no annual fee.
For Gourmet Chefs: With all the points you earn, you can redeem rewards like dining gift cards and trips to food destinations, so this card is perfect for any foodie looking to spend on food in order to receive amazing food-related rewards.
Drawbacks: You have to become a member of the Pentagon Federal Credit Union.

3. Chase Freedom

Rewards: 5% cash back on up to $1,500 of purchases per quarter for rotating spending categories, unlimited 1% cash back on everything else.
Signup Bonus: Earn a $150 bonus after you spend $500 in your first three months from account opening. Also earn a $25 bonus after adding an authorized user and making your first purchase within the same three month period.
Annual Fee: None
Annual Percentage Rate (APR): 0% introductory APR for the first 15 months. Then, variable 15.99% to 24.74%.
Why We Picked It: There’s no annual fee and the rotating reward categories are beneficial for those who like to spread out their rewards.
For Gourmet Chefs: The rewards categories vary from gas stations, grocery stores and restaurants so this card is perfect for a chef who likes to explore and try new foods. You’ll get 1% back on cookware and cookbooks, too.
Drawbacks: The APR is relatively high, and you don’t get to pick your own rewards categories. They’re selected each quarter by Chase.

4. Golden 1 Platinum Rewards

Rewards: 3% cash back on gas, grocery and restaurant spending, plus 1% cash back on everything else.
Signup Bonus: None
Annual Fee: None
Annual Percentage Rate (APR): 7.79% to 13.79%.
Why We Picked It: There are solid rewards and low rates, and no annual fee.
For Gourmet Chefs: Considering all the groceries you’ll be buying, you might as well save money while you expand your culinary repertoire at home. Plus, California is a large state — if you find yourself driving great lengths for food then this card is for you.
Drawbacks: You have to live in California to apply for this credit card, and there’s also no introductory APR period.

Image: Peopleimages

At publishing time, the Blue Cash Preferred Card from American Express, PenFed Platinum Rewards Visa Signature Card and Chase Freedom card are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards for At-Home Gourmet Chefs appeared first on Credit.com.

4 Credit Cards That Can Help You Save on Your Summer Road Trip

Gas can make summer road trips expensive, but the right credit card can earn some of that spending back.

[Disclosure: Cards from our partners are mentioned below.]

Road trips offer distinct advantages over other means of travel. You can change your itinerary at a moment’s notice, you can take in unexpected sights on the way to your destination and you don’t have to deal with airline security.

But while a road trip might seem like a budget vacation, gas purchases can make your costs skyrocket. With a credit card that rewards gas purchases, you can recoup some of that cost, making your trip more affordable.

The best cards for road trips earn rewards as you fill up at the pump, lessening the burden on your wallet. As a bonus, they may provide other road-centric perks. And because you can’t guarantee your gas station of choice will always be within reach, the best road trip cards we highlight here aren’t tied to specific gas stations.

1. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in spending at supermarkets, 3% cash back on gas and select department store purchases and 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $1,000 in the first three months
Annual Fee: $95
Annual Percentage Rate (APR): 0% intro APR for 12 months, then variable 13.74% to 24.74%
Why We Picked It: The 3% cash back rate on gas is solid, there are plenty of other ways to earn cash back rewards and as a bonus, the card provides protection policies to keep you safe on the road.
Benefits: Cardholders have a wide range of ways to earn cash back, with 3% cash back on gas. The $150 signup bonus is a nice perk. The card also includes emergency roadside assistance, additional car rental insurance and a global assistance hotline to help when you need medical, legal or financial assistance.
Drawbacks: Cardholders pay an annual fee of $95.

2. Bank Americard Cash Rewards Credit Card

Rewards: 3% cash back on gas, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases, on up to $2,500 per quarter
Signup Bonus: $100 bonus cash back when you spend $500 in the first 90 days
Annual Fee: None
APR: 0% intro APR for 12 months, then variable 13.74% to 23.74%
Why We Picked It: Cardholders earn 3% cash back on gas and Bank of America customers get extra cash-back redemption value.
Benefits: There’s a nice mix of ways to earn cash back, with 3% earnings on gas purchases. Bank of America customers get an additional 10% value when they deposit their cash back into a Bank of America account. There’s also a $100 signup bonus, and no annual fee.
Drawbacks: If you aren’t a Bank of America customer, you won’t earn the full cash back potential.

3. PenFed Platinum Rewards Visa Signature Card

Rewards: Five points for every dollar spent on gas purchases, three points for every dollar spent at supermarkets, and one point on all other purchases
Signup Bonus: $100 in statement credits when you spend $1,500 in the first 90 days
Annual Fee: None
APR: Variable 9.49% to 17.99% on purchases, 0% intro APR for 12 months for balance transfers made through June 30, then variable 9.49% to 17.99%
Why We Picked It: As you spend, your card earns points that can be redeemed toward travel purchases. Gas purchases earn five points per dollar.
Benefits: Points can be redeemed for your road trip expenses, including lodging and car rentals, and gas purchases earn the highest number of points. If you can qualify for the lower APR, you’ll get a fantastic interest rate. You’ll also get special savings and discount offers from select retailers.
Drawbacks: The card is only available to PenFed members, who include active duty military, educators, government employees and the families of members. If you can’t qualify for PenFed membership, you can’t get this card.

4. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on eligible gas (up to $7,000 annually, then 1% thereafter), 3% cash back on restaurants and travel purchases, 2% cash back on Costco purchases and 1% cash back on other purchases
Signup Bonus: None
Annual Fee: None (you will need a paid Costco membership)
APR: 0% intro APR for seven months, then 15.99%
Why We Picked It: The year-round 4% cash back on gas purchases is fantastic, and you can also get 3% back at car rental agencies and the diners or greasy spoons you hit on your road trip. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Benefits: The range of ways to earn cash back make this a well-rounded card. Plus, you get car rental insurance, travel accident insurance and 24/7 emergency assistance.
Drawbacks: You need a paid Costco membership to get this card.

Choosing a Card for Your Road Trip

There’s one of two ways you can use a credit card to make your road trip more affordable. You can select a points rewards card that earns points that can be redeemed for travel purchases, such as lodging and car rentals. Or, you can choose a card that earns you cash back as you spend on gas and other purchases. Either way, you’ll want a card that drives down the cost of your road trip.

If you plan to use your card outside of your road trip, you’ll probably want to pick a card that fits your spending the rest of the year. You can look at the rewards and purchase categories for each card, and choose one that will best reward your overall lifestyle outside of your road trip.

Finally, examine the additional travel benefits. Gas rewards are great, but emergency roadside assistance or additional car rental insurance can provide additional peace of mind while you’re on the road.

What Is Required to Get a Gas Rewards Card?

Cards that reward gas purchases often require good to excellent credit. If your credit doesn’t measure up, you may be better off hunting down a card with lower credit requirements. If you aren’t sure where your credit stands, you can check two of your credit scores for free at Credit.com.

At publishing time, the Blue Cash Preferred Card from American Express, Penfed Platinum Rewards Visa Signature Card and Costco Anywhere Visa Card by Citi credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: monkeybusinessimages 

The post 4 Credit Cards That Can Help You Save on Your Summer Road Trip appeared first on Credit.com.