10 Reviews: Best Credit Cards for Teachers (Nov 2022)

Giving you a variety of attractive cash backs and rewards, these best credit cards for teachers will make your everyday transactions easier!

R. Yunita by R. Yunita · updated on · price ($1.00) - $95.00 · 14 views

We hope you love the shops and products we recommend! Just so you know, our site may collect a share of sales or other compensation from the links on this page. Oh, and FYI — prices are accurate and products in stock as of time of publication.

To Point Out of Best Credit Cards for Teachers

Let's compare them!
Product Image
1
10 Reviews: Best Credit Cards for Teachers (Nov  2022): Earn $200 cash back in the first 6 months
Citi
2
10 Reviews: Best Credit Cards for Teachers (Nov  2022): 4X points on travel, gas stations, and EV charging stations
U.S. Bank
3
10 Reviews: Best Credit Cards for Teachers (Nov  2022): No annual fee and no foreign transaction fees
Capital One
4
10 Reviews: Best Credit Cards for Teachers (Nov  2022): High rewards rate on select categories
U.S. Bank
5
10 Reviews: Best Credit Cards for Teachers (Nov  2022): No membership fees, high rewards rate
Synchrony
6
10 Reviews: Best Credit Cards for Teachers (Nov  2022): No limit on total cash back earned
U.S. Bank
7
10 Reviews: Best Credit Cards for Teachers (Nov  2022): No annual fee, 5% bonus categories
Citi
8
10 Reviews: Best Credit Cards for Teachers (Nov  2022): No foreign transaction fee, no penalty APR
U.S. Bank
9
10 Reviews: Best Credit Cards for Teachers (Nov  2022): Purchase & return protection, extended warranty benefits
American Express
10
10 Reviews: Best Credit Cards for Teachers (Nov  2022): No foreign transaction fees, solid benefits
Capital One
Product Name Double Cash Card Altitude Connect Visa Signature Quicksilver Cash Rewards Cash+ Visa Signature Premier World Mastercard Business Triple Cash Custom Cash Altitude Go Blue Cash Preferred Venture Rewards
Features Earn $200 cash back in the first 6 months 4X points on travel, gas stations, and EV charging stations No annual fee and no foreign transaction fees High rewards rate on select categories No membership fees, high rewards rate No limit on total cash back earned No annual fee, 5% bonus categories No foreign transaction fee, no penalty APR Purchase & return protection, extended warranty benefits No foreign transaction fees, solid benefits
Annual Fee $0 $0 - $95 $0 $0 $0 $0 $0 $0 $0 - $95 $0 - $95
Regular APR 16.99% - 26.99% (Variable) 18.99% - 26.99% (Variable) 17.99% - 27.99% (Variable) 17.49% - 27.49% (Variable) 16.24% - 29.24% (Variable) 16.99% - 25.99% (Variable) 16.99% - 26.99% (Variable) 17.99% - 26.99% (Variable) 16.99% - 27.99% (Variable) 18.99% - 26.99% (Variable)
Purchase Intro N/A N/A 0% for 15 months 0% N/A 0% for 15 months 0% for 15 months 0% for 12 billing cycles 0% for 12 months N/A
Transfer Intro 0% Intro APR Period 18 months N/A 0% for 15 months 0% for 15 billing cycles N/A N/A N/A N/A 0% for 12 months N/A
Credit Needed Excellent, Good Excellent Credit Good, Excellent Excellent, Good Excellent Excellent, Good Excellent, Good Excellent Credit Excellent Credit Excellent Credit
price $0.00 $95.00 ($1.00) $0.00 $0.00 $0.00 $0.00 $0.00 $95.00 $95.00
Buy at view product on Citi view product on Amazon view product on eBay view product on U.S. Bank view product on Amazon view product on eBay view product on Capital One view product on Amazon view product on eBay view product on U.S Bank view product on Amazon view product on eBay view product on Synchrony Bank view product on Amazon view product on eBay view product on U.S Bank view product on Amazon view product on eBay view product on Citi view product on Amazon view product on eBay view product on U.S Bank view product on Amazon view product on eBay view product on American Express view product on Amazon view product on eBay view product on Capital One view product on Amazon view product on eBay

If you’re a teacher, finding the best credit cards for teachers can help alleviate the upfront costs that are often necessary for a fully functioning classroom. However, between classroom supplies, food, professional development purchases, or fuel costs, the average teacher spends as much as $1,000 of their own money each school year. Hence, it could mean teachers spend 3% of their entire income on things you would give away in another profession.

So, try to apply for a credit card to make it easier for daily transactions. Additionally, the best credit cards for teachers will give you a lot of offers, cashback, and rewards that will undoubtedly be very beneficial for your daily life. So, to get the best product, you can check out the ten best credit cards for teachers in the paragraphs below. So, let’s check the list out!

Frequently Asked Questions (FAQs)

What do I do next after finding the right credit card?

First of all, it is essential to choose the most significant credit card. Afterward, you need to work on building your credit score and make sure you pay your expenses on time and don’t exhaust all the credit you’re offered. Also, you must adhere to your debt settlement strategy.

Which is better, a balance or a purchasing card?

For this, you should consider the introductory rates for each balance and purchase card when making your decision. Some cards offer 0% APR for balance transfers and purchases for the same number of months. However, others may give a longer 0% APR for purchases than balance transfers, or vice versa. Thus, consider which is most important to you.

What things do I need to consider when choosing the best credit cards for teachers?

Here are some things you need to pay attention to in choosing the best credit card for teachers;

  1. Find out your credit card score
  2. Identify the specific type of card based on your needs
  3. Ask the right questions

What is the best credit card for teachers?

We highly recommend the Citi Double Cash Card if you are a teacher. This credit card is one of the best flat-rate cash-back credit cards on the market, mainly because of its high rewards rate. Moreover, this card also offers $200 cash back if you spend $1,500 on purchases in the first six months after the account opening. Also, new cardholders can transfer balances from other credit cards.

10 Reviews: Best Credit Cards for Teachers (Nov 2022)

Citi Double Cash Card - Best Credit Cards for Teachers: Earn $200 cash back in the first 6 months
https://www.cardratings.com/

1.
Citi
Double Cash Card

Earn $200 cash back in the first 6 months

Our opinion:

The Citi Double Cash Card is the perfect credit card option for teachers, employees, or budding entrepreneurs. The card’s annual fee is $95 (the first year is waived). Additionally, cardholders can take advantage of a welcome offer. You can get a $250 statement credit after spending $3,000 on purchases in the first six months.

Moreover, you will get 6% cash back at U.S. supermarkets (for the first $6,000 per year, after that, 1X). As a result, this cashback card is an excellent option for homemakers who buy groceries and gasoline regularly. Also, it’s a perfect choice for teachers with large families or who travel extensively.

Promising review:

"This card is perfect. Worth noting, I've had my card info stolen twice in nearly ten years. Both times, Citi was terrific about locking down the old card, removing the fraudulent charges, and getting me a new one."

by Karma Member

Annual Fee $0
Regular APR 16.99% - 26.99% (Variable)
Purchase Intro N/A
Transfer Intro 0% Intro APR Period 18 months
Credit Needed Excellent, Good
U.S. Bank Altitude Connect Visa Signature - Best Credit Cards for Teachers: 4X points on travel, gas stations, and EV charging stations
https://www.cardratings.com/

2.
U.S. Bank
Altitude Connect Visa Signature

4X points on travel, gas stations, and EV charging stations

price from
$95.00
Our opinion:

The U.S. Bank Altitude Connect Visa Signature is an attractive credit card option for travel lovers or those who spend a lot of gas on their daily commute. Consequently, this card charges an annual fee of $0 intro for the first year, then $95.

Moreover, the U.S. Bank Altitude Connect Visa Signature also has a great rewards card for new cardholders. You can earn up to 50,000 bonus points when you spend $2,000. That applies to eligible purchases within the first 120 days of account opening. Also, if you are a teacher, this credit card offers excellent rewards for travel and gas.

Promising review:

"The U.S. Bank Altitude® Connect Visa Signature® Card is a good credit card for people with excellent credit, offering rewards that are easily worth the card’s annual fee of $95 ($0 the first year). U.S. Bank Altitude Connect offers an initial bonus of 50,000 points for spending $2,000 in the first 120 days, plus ongoing rewards of 1 - 5 points per $1 on purchases."

by John Kiernan

Annual Fee $0 - $95
Regular APR 18.99% - 26.99% (Variable)
Purchase Intro N/A
Transfer Intro N/A
Credit Needed Excellent Credit
Capital One Quicksilver Cash Rewards - Best Credit Cards for Teachers: No annual fee and no foreign transaction fees
https://www.cardratings.com/

3.
Capital One
Quicksilver Cash Rewards

No annual fee and no foreign transaction fees

price from
($1.00)
Our opinion:

The Capital One Quicksilver is a mainstay in flat-rate rewards cards. It gives you cash back on all purchases with no annual or foreign transaction fees. In addition, this credit card gives you an attractive welcome offer. You can earn a $200 cash reward after spending just $500 on purchases in your first three months.

Other than that, this credit card provides a $200 value equivalent to a cash-back card sign-up bonus with no additional annual fees. Also, this credit card offers rewards with a 1.5% cash-back rate. So, if you are a teacher looking for the best credit cards for teachers, this credit card is worth checking out!

Promising review:

"I had a score around 600, and was approved for a $2000 credit limit. I also got the $200 cash back bonus after spending $500."

by Credit Karma Member

Annual Fee $0
Regular APR 17.99% - 27.99% (Variable)
Purchase Intro 0% for 15 months
Transfer Intro 0% for 15 months
Credit Needed Good, Excellent
U.S. Bank Cash+ Visa Signature - Best Credit Cards for Teachers: High rewards rate on select categories
https://www.cardratings.com/

4.
U.S. Bank
Cash+ Visa Signature

High rewards rate on select categories

Our opinion:

The U.S. Bank Cash+ Visa Signature stands out with its 5% cash-back room. Consequently, this card lets you choose two 5% cash-back categories each quarter from a list of 12. Also, you will select a 2% cash-back category each quarter from a list of three, and there are no spending limits for that category.

Moreover, the U.S. Bank Cash+ Visa Signature could be ideal if you value choice and high reward earning potential for everyday spending. As a result, this credit card provides many offers that help you transact in your daily life.

Promising review:

"The U.S. Bank Cash+® Visa Signature® Card is a good cash back credit card for people with good or excellent credit who want the opportunity to earn lots of bonus rewards without paying an annual fee. The U.S. Bank Cash+ offer starts with an easy-to-earn sign-up bonus: $200 for spending $1,000 in the first 120 days."

by Customer

Annual Fee $0
Regular APR 17.49% - 27.49% (Variable)
Purchase Intro 0%
Transfer Intro 0% for 15 billing cycles
Credit Needed Excellent, Good
Synchrony Premier World Mastercard - Best Credit Cards for Teachers: No membership fees, high rewards rate
https://www.cardratings.com/

5.
Synchrony
Premier World Mastercard

No membership fees, high rewards rate

Our opinion:

Next, the Synchrony Premier World Mastercard is one of the best credit cards for teachers. It offers unlimited 2% cash back on all eligible purchases. Likewise, this credit card comes with unlimited 2% cash back on all other purchases and no annual fee.

In addition, this card rewards you with membership. You will automatically get unlimited 2% cash-back rewards on all eligible purchases. Also, the cashback can be redeemed automatically on every statement as a credit against the total card balance.

Promising review:

"The Synchrony Premier World Mastercard® is a good credit card for people with an excellent credit score who want hassle-free cash back rewards and a $0 annual fee. Synchrony Premier offers 2% cash back on all purchases, which is about double the market average cash rewards rate and on par with the best flat-rate cash back credit cards."

by John Kiernan

Annual Fee $0
Regular APR 16.24% - 29.24% (Variable)
Purchase Intro N/A
Transfer Intro N/A
Credit Needed Excellent
U.S. Bank Business Triple Cash - Best Credit Cards for Teachers: No limit on total cash back earned
https://www.cardratings.com/

6.
U.S. Bank
Business Triple Cash

No limit on total cash back earned

Our opinion:

The U.S Bank Business Triple Cash can never go wrong if you’re looking for the best credit cards for teachers. It gives you a lot of attractive offers. Similarly, you can earn 5% cash back on prepaid hotels, and car rentals booked directly at the Travel Rewards Center. Likewise, you can earn 3% cash back on eligible purchases at gas stations, EV charging stations, and office supply stores.

Furthermore, this credit card gives you a welcome offer of $500 cash back after spending $4,500. That applies to purchases on the account holder’s card within the first 150 days of opening your account. Not only that, but this U.S Bank Business Triple Cash also provides a $100 annual statement credit for recurring software subscription fees like FreshBooks or QuickBooks, which can be helpful for many business owners.

Promising review:

"The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a good credit card for business owners with good credit or better who want to earn bonus rewards in popular business spending categories and avoid interest on company financing for well over a year. U.S. Bank Business Triple Cash is easily worthwhile, given its $0 annual fee."

by John Kiernan

Annual Fee $0
Regular APR 16.99% - 25.99% (Variable)
Purchase Intro 0% for 15 months
Transfer Intro N/A
Credit Needed Excellent, Good
Citi Custom Cash - Best Credit Cards for Teachers: No annual fee, 5% bonus categories
https://www.cardratings.com/

7.
Citi
Custom Cash

No annual fee, 5% bonus categories

Our opinion:

Citi Custom Cash is a competitive contender in the 5% cash-back arena. This credit card earns 5% back in one eligible spending category, up to $500 each billing cycle. Additionally, this credit card provides a 5% back option, customized based on your spending habits each billing cycle.

Other than that, Citi’s annual no-fee credit card rewards 5% for purchases in any of the ten popular everyday categories. Hence, you are automatically awarded every billing cycle in the top spending categories. But, if your spending patterns vary a lot, you might be better off with a 5% cash-back card, which is more flexible and potentially more lucrative.

Promising review:

"The Citi Custom Cash℠ Card is a good credit card for people with a 700+ credit score who want to automatically earn an above-average rewards rate in their biggest spending category each month. Citi Custom Cash is most worthwhile for relatively light spenders, as its 5% rewards rate only lasts up to $500 spent per billing cycle."

by John Kiernan

Annual Fee $0
Regular APR 16.99% - 26.99% (Variable)
Purchase Intro 0% for 15 months
Transfer Intro N/A
Credit Needed Excellent, Good
U.S. Bank Altitude Go  - Best Credit Cards for Teachers: No foreign transaction fee, no penalty APR
https://www.cardratings.com/

8.
U.S. Bank
Altitude Go

No foreign transaction fee, no penalty APR

Our opinion:

If you are a teacher with daily needs such as food delivery, streaming services, and gasoline, this U.S. Bank Altitude Go Visa Signature Card is for you. Consequently, this card rewards 4 points per dollar for dining, takeout, and restaurant delivery. Likewise, it also provides a welcome bonus: 20,000 bonus points after spending $1,000 on eligible purchases within the first 90 days of account opening.

The U.S. Bank Altitude Go Visa Signature Card offers high rewards for general spending categories. Moreover, this card provides a range of attractive offers for those with more elevated than the average income for food shopping and no annual fee. As a result, the rewards offered will benefit your daily life.

 

Promising review:

"I use to get gas and other important things. Love the tap and pay. But not everyone has the tap and pay that's the only draw back on it so far. Needs to have a swipe or chip option as well."

by Daph

Annual Fee $0
Regular APR 17.99% - 26.99% (Variable)
Purchase Intro 0% for 12 billing cycles
Transfer Intro N/A
Credit Needed Excellent Credit
American Express Blue Cash Preferred - Best Credit Cards for Teachers: Purchase & return protection, extended warranty benefits
https://www.cardratings.com/

9.
American Express
Blue Cash Preferred

Purchase & return protection, extended warranty benefits

price from
$95.00
Our opinion:

American Express Blue Cash Preferred may have a $95 annual fee (first year waived). However, it also comes with one of the best cash-back reward rates for grocery store purchases, a significant spending category for many families. Additionally, you’ll get 6% cash back at U.S. supermarkets (for the first $6,000 per year, after that 1X) and U.S. streaming services, 3% cash back at U.S. gas stations, and in eligible transit.

Furthermore, cardholders can also take advantage of a welcome offer where they can get a $250 statement credit after spending $3,000 on purchases in the first six months. Thus, this card provides beneficial rewards to pay for some needed supplies.

Annual Fee $0 - $95
Regular APR 16.99% - 27.99% (Variable)
Purchase Intro 0% for 12 months
Transfer Intro 0% for 12 months
Credit Needed Excellent Credit
Capital One Venture Rewards - Best Credit Cards for Teachers: No foreign transaction fees, solid benefits
https://www.cardratings.com/

10.
Capital One
Venture Rewards

No foreign transaction fees, solid benefits

price from
$95.00
Our opinion:

The Capital One Venture Rewards Credit Card is an excellent travel credit card if you’re looking for a rewards program with great daily value. Consequently, this credit card offers a solid sign-up bonus and the flexibility to redeem miles for almost any travel purchase, not just those made through gateway issuers.

However, although this credit card comes with an annual fee, it can easily be offset with minimal spending. That makes this card one of the best travel cards for beginners. Also, this credit card is among the highest-ranked cards in the rewards credit card database regarding reward rate, reward value, and sign-up bonus value.

Promising review:

"My credit workhorse for going on six years. $10K starting limit, and now $20K. Got in at a great time and have the WEMC iteration."

by Tom

Annual Fee $0 - $95
Regular APR 18.99% - 26.99% (Variable)
Purchase Intro N/A
Transfer Intro N/A
Credit Needed Excellent Credit

Thus, Which Best Credit Cards for Teachers Is Best For Your Daily Needs?

Choosing the right credit card will simplify your daily transactions as a teacher. Not only can you earn rewards on your regular personal expenses, but credit cards also maximize the rewards you earn on classroom-related expenses, taking a chunk out of your budget. This review can help you to find the best one. Best of luck!

A part of RANK MT PT as well as Troupon & MyProsAndCons

We may earn a commission for purchases made through our links.

©2021 SoPicky by Rank M.T. PT. All rights reserved.