11 Best Credit Cards for Teachers

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As a teacher, you have a lot of expenses. From buying supplies for your classroom to funding your own professional development, it can be hard to keep up with it all.

That’s why it’s important to find a credit card that will give you the most bang for your buck.

Here are the best credit cards for teachers, based on your spending needs.

1. Citi® Double Cash Card - 18 month BT offer

Best No-Annual Fee Cash Back Card

2% Cash Back & No Annual Fee
Citi® Double Cash Card – 18 Month BT Offer
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, a Variable APR of 17.74% – 27.74%
  • No Annual Fee
Learn More Our Review

The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay. 

This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track. 

You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.

2. Chase Freedom Flex℠

Best for 5% Cash Back in Rotating Categories

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Flex℠ is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

3. Chase Freedom Unlimited®

Best for Cash Back at Restaurants and Drug Stores

No Annual Fee
Chase Freedom Unlimited®
  • Earn an Additional 1.5% on All Purchases Up to $20,000 in the First Year ($300 Max Bonus)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After the Intro Period, a Variable APR of 17.99% – 26.74% Applies)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The Freedom Unlimited also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

4. Citi Custom Cash℠ Card

Best for 5% Cash Back in Your Top Category

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • Earn $200 Cash Back After Spending $1,500 in the First Six Months
  • 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 17.74% – 27.74% applies.
  • No Annual Fee
Learn More Our Review

The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.

Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.

This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.

5. Chase Sapphire Preferred® Card

Best for Teachers Who Want to Travel

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

6. Bilt Rewards

Best for Paying Rent

No Annual Fee
Bilt Rewards Mastercard
  • Pay Rent Without Fees and Earn 1x Points
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Rewards is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent. You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also comes with great benefits for a no annual fee card including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

7. Capital One Venture X Rewards Credit Card

Best for Teachers Who Want to Travel in Style

75,000 Miles
Capital One Venture X Rewards Credit Card
  • Earn 75,000 Bonus Miles for Spending $4,000 in the First 3 Months
  • $300 Travel Credit for Bookings via Capital One Travel
  • 10,000 Points for Each Account Anniversary
  • Hertz President’s Circle Elite Status
  • Airport Lounge Access (Priority Pass, Capital One, & Plaza Premium)
  • 10X Miles on Hotels and Rental Cars, and 5x Points on Flights Booked with Capital One Travel
  • Trip Delay and Trip Cancellation Insurance
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections. 

The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.

The card has a $395 annual fee, it is completely offset by an easy-to-use $300 annual travel credit for bookings via Capital One Travel and 10,000 points (worth at least $100) each account anniversary.

Plus you get airport lounge access at Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.

8. American Express® Gold Card

Best for Spending at Restaurants and U.S. Supermarkets

The American Express® Gold Card is one of my favorite cards because it earns:

  • 4x points at restaurants worldwide, including takeout and delivery in the U.S.,
  • 4x points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x). 
  • 3x points on flights booked directly with airlines or on amextravel.com

Plus, card members get nice credits when you enroll your Gold Card to offset the annual fee:

  • $120 Uber Cash: Add your Gold Card to your Uber account, and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.

9. Capital One Venture Rewards Credit Card

75,000 Bonus Miles
Capital One Venture Rewards
  • Earn 75,000 Bonus Miles After Spending $4,000 Within the First Three Months
  • 5x Miles on Hotels and Rental Cars via Capital One
  • 2x Miles Everywhere Else
  • 2 Free Visits to Capital One Lounges Each Year
  • Global Entry or TSA Pre-Check Credit
  • Hertz 5-Star Elite Status
  • Rental Car Insurance and Extended Warranty
  • $95 Annual Fee
Learn More Our Review

The Capital One Venture Rewards is a travel rewards credit card that earns an unlimited 2 miles per dollar on all purchases, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

The card also offers up to a $100 Global Entry TSA PreCheck credit, and two free visits each year to the Capital One Lounge.

10. Blue Cash Everyday® Card from American Express

No Annual Fee
Blue Cash Everyday® Card from American Express
  • Earn a Bonus of Up to $250: Earn $100 as a Statement Credit After $2,000 in Eligible Purchases in the First 6 Months, and up to $150 as Statement Credit via 20% Back when Using the Card to Check Out with PayPal in the First 6 Months.
  • 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
  • $7 Monthly Credit for the Disney Bundle
  • Up to $15 Monthly Home Chef Credit
  • No Annual Fee (Rates and Fees)
Learn More Our Review
Terms Apply; Enrollment Required for Some Benefits

The Blue Cash Everyday® Card from American Express is good no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).

The Blue Cash also offers a $7 monthly credit for the Disney Bundle (Disney+, ESPN+, and Hulu) and a $15 monthly Home Chef credit.

11. Marriott Bonvoy Boundless® Credit Card

3 Free Nights
Chase Marriott Bonvoy Boundless
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) After Spending $3,000 in the First 3 Months.
  • 6x Points at Marriott Hotels & Resorts
  • 3x Points on Groceries, Gas, and Dining on the First $6,000 in Combined Purchases Each Year
  • Free Anniversary Night Award (up to 35,000 Points)
  • Automatic Silver Elite Status + 15 Elite Credits
  • Trip Delay, Baggage Delay, and Lost Luggage Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Marriott Bonvoy Boundless® Credit Card is a good option for travelers who want benefits at Marriott for a reasonable annual fee of $95, which is offset by a free night award for each card anniversary of up to 35,000 points. 

The Bonvoy Boundless card also offers Bonvoy Silver status, 15 elite night credits, 6x points at Marriott Bonvoy hotels, 3x points at grocery stores, gas stations, and on dining on the first $6,000 in combined purchases each year.

Plus, the card offers benefits such as baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, purchase protection, and no foreign transaction fees.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

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