Chase Freedom Visa: $200 bonus cash back after spending $500 in the first three months; 5 percent cash back on certain categories; 1 percent on all others. Ten percent cash back if you shop at selected merchants through Chase website. Annual percentage rate: 15.99 to 22.99, variable. Annual fee: none
Chase Sapphire Preferred: Earn 50,000 points, worth $625 toward air or hotel, after spending $3,000 in the first three months. Two points earned for every $1 spent on travel and dining; plus extra point if using Chase online booking. Annual fee: $95, waived the first year. APR: 15.24, variable. No foreign transaction fee.
Simmons First Visa Platinum: APR: 7.25 percent, variable. Annual fee: none. Perks include $1 million in travel accident insurance. Foreign transaction fee: 2.7 percent.