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1. Harborline Farstride Card

4.8

Best for: Frequent travellers

Annual fee: $95
Regular APR: 20.24%–27.49% variable
Rewards rate: 2x–3x miles
Intro bonus: 60,000 miles after $4,000 spend in 3 months

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Brightoak Financial

2. Brightoak Cash Rewards

4.7

Best for: Simple cash back

Annual fee: $0
Regular APR: 19.99%–28.99% variable
Rewards rate: 2% cash back
Intro bonus: $200 after $500 spend in 3 months

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Ironbridge Bank

3. Ironbridge Business Edge

4.6

Best for: Small business owners

Annual fee: $0
Regular APR: 18.49%–24.49% variable
Rewards rate: 1%–3% cash back
Intro bonus: $750 after $7,500 spend in 3 months

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Northgate Credit Union

4. Northgate Balance Saver

4.5

Best for: Paying down debt

Annual fee: $0
Regular APR: 18.24%–29.24% variable
Rewards rate: None
Intro bonus: None

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Summitway Bank

5. Summitway Student Rewards

4.3

Best for: College students

Annual fee: $0
Regular APR: 19.24%–27.24% variable
Rewards rate: 1%–3% cash back
Intro bonus: $50 after first purchase

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Cedarpoint Bank

6. Cedarpoint Starter Card

4.2

Best for: Building or rebuilding credit

Annual fee: $0
Regular APR: 28.49% variable
Rewards rate: 1% cash back
Intro bonus: None

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