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Teachers are notoriously underpaid. In fact, teachers earn 26.4% less than other college-educated workers.
Although teaching can be an incredibly rewarding profession, when paychecks are stretched thin, it’s important to find ways to earn more.
Finding the best credit card for teachers can help you earn rewards while spending money on classroom and personal expenses.
So, let’s explore the best credit cards for teachers that can help you make the most of your hard-earned money.
Annual Fee: $0
Welcome Bonus: $200 when you spend $500 within the first 3 months
Credit Score Required to Apply: Excellent
The Capital One SavorOne Card is among the best credit cards for teachers (if not the best credit card for teachers) who are looking to make the most out of their everyday spending.
With no annual fee and generous rewards, it’s hard for teachers (or anyone) not to love this card! This explains why the Capital One SavorOne Card gets 4.7 stars out of five from over 1,800 online reviews!
For instance, cardholders earn 3% cash back on dining, entertainment, streaming, and groceries. The complimentary Capital One travel perks and a welcome bonus don’t hurt, either!
And if your credit could use a boost before you apply for this awesome credit card, check out our Cheese credit builder review.
Key Benefits:
Annual Fee: $0
Welcome Bonus: $200 after spending $500 in the first 3 months
Credit Score Required To Apply: Good to Excellent (670+)
Whether you’re stocking up on classroom supplies or enjoying a night out, the Chase Freedom Unlimited credit card offers solid rewards and perks. This makes it a solid contender for the best credit card for teachers.
Just like with the SavorOne credit card from Capital One, you only need to spend $500 in the first 3 months to earn the $200 welcome bonus. Not bad, right?
And if the idea of a bonus appeals to you, here are some other banks with immediate sign up bonus that are worth checking out.
With no annual fee and plenty of rewards, the Chase Freedom Unlimited credit card is great for earning cash back on all your purchases. Adventure-loving teachers will especially enjoy the 5% cash back on travel (must be booked through the Chase Travel portal) as well as the 3% on both dining and drugstores and 1.5% on everything else.
Key Benefits:
Annual Fee: $0
Welcome Bonus: $200 after spending $2,000 in the first 6 months
Credit Score Required To Apply: Good to Excellent (670+)
Teachers will love the American Express Blue Cash Everyday Card for its cashback rewards, which will help you save on groceries, gas, and school supplies. And with no annual fee, it’s a no-brainer that the American Express Blue Cash Everyday credit card is considered one of the best credit cards for teachers.
Key Benefits:
And if you’re looking for even more ways to earn cash, check out our list of ways to find free money.
Annual Fee: $0
Welcome Bonus: $200 after spending $1,500 in the first 6 months
Credit Score Required To Apply: Poor to Excellent
One of the best credit cards for teachers is the Citi Double Cash credit card. The biggest reason is that you’ll earn 2% cash back on every purchase!
There’s no annual fee, and cardholders also get perks like fraud protection and zero liability for unauthorized purchases. It’s a simple, smart teacher credit card for any teacher looking to make the most of their regular spending.
Key Benefits:
Annual Fee: $0
Welcome Bonus: $200 after spending $500 in the first 3 months
Credit Score Required To Apply: Good to Excellent (670+)
The Chase Freedom Flex is known for its versatility and high reward rate, which is why it’s on the list for the best credit cards for teachers.
With rotating quarterly bonus categories as well as a generous welcome offer, it’s a great teacher credit card to help you save on things like classroom supplies as well as your personal expenses. So, it’s easily one of the best credit cards for teachers.
This card also comes with perks like travel insurance, purchase protection, and cell phone protection to help you maintain peace of mind.
Key Benefits:
Annual Fee: $95
Welcome Bonus: 60,000 points after spending $4,000 in the first 3 months
Credit Score Required To Apply: Good to Excellent (670+)
The Chase Sapphire Preferred Card is the best credit card for teachers who want to make the most of their summer holiday. This teacher credit card lets you turn your everyday spending into awesome travel rewards!
With a huge $750 welcome bonus for travel, as well as perks like travel insurance and no foreign transaction fees, it’s a teacher’s best friend on those well-deserved breaks.
Key Benefits:
Annual Fee: $0
Welcome Bonus: None
Credit Score Required To Apply: Good to Excellent (670+)
The Teachers FCU Visa Cash Back Credit Card is an excellent, budget-friendly choice for members of the Teachers Federal Credit Union (FCU).
This card offers a cashback program with no annual fee and a low APR, making it a practical option for everyday use.
Key Benefits:
Need to decipher your credit score to apply for these amazing card deals? Check out our guide explaining What is a good credit score?
Yes, the Teachers Federal Credit Union (FCU) offers several credit cards, including the Teachers FCU Visa Platinum, Teachers FCU Visa Cash Back, Teachers FCU Visa Low Rate, Teachers FCU Visa Student, and the Teachers FCU Visa Secured cards. Each card comes with benefits like low APRs and no annual fees.
Yes, teachers can get a business credit card! You can apply as a sole proprietor using your Social Security number (SSN). You just need to have good credit and some business income.
The Teachers Visa Business credit card offers a credit line up to $50,000 with no annual fee.
Teachers with bad credit can still find good options. The following cards are great choices that offer rewards and help rebuild your credit with no annual fee:
If you’ve got a low credit score, check out the best credit repair companies.
