| Fellow Fools, I have a confession. Up until I started working at The Ascent — the Motley Fool's personal finance arm — I was not the most savvy credit card user. I had the same couple of credit cards for about a decade and was definitely not maximizing their reward potential. But once I started working at The Ascent, I've put my credit cards and credit card habits under the proverbial microscope. And I've learned a lot. There are HUNDREDS of card offers out there. And, as our experts have shown me, they can be incredibly lucrative if you use the right cards for your spending habits. I'm talking tons of perks, just for using the right card on your everyday spending. Particularly if you take advantage of sign-up bonuses and promotions. And while there are a bunch of card offers out there, there's one card that has stood out above the rest. In fact, this rare card is so packed with perks that you could lock in $1,148 (or more, depending on your spending) in value in just the first year! Here are a few of the other essential perks that we think help this card reign supreme: - Earn up to 5% cash back at places you actually shop and eat.
- Pay no interest on purchases and balance transfers until 2021. The go-to variable rate applies after the promo.
- $0 annual fee (Yes, you read that right. You get these perks and more without paying a dime for an annual fee.)
- 2-minute application
No, I'm not kidding. This card is seriously one of the best deals on the market. Read the full review to get our experts' full rundown on why this card is a top pick. Doing so could help you bank a few hundred extra dollars — just in time for the season of gifting! | 
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