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Our pick for 1:1 cash back match in your first year

Discover it® Cash Back
 

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4.5/5.0 from 132 Offer Ratings
Over the Past 60 Days!

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on Discover's secure site

Rates & Fees
  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 15.74% - 26.74% Variable APR.
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 15.74% - 26.74% Variable APR.
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Cash Back

Our pick for best low-interest card with no late fees or penalty APR

Citi Simplicity® Card
 

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4.5/5.0 from 158 Offer Ratings
Over the Past 60 Days!

  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 17.74% - 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 17.74% - 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

See additional details for Citi Simplicity® Card

Our pick for best unlimited cash back card

Wells Fargo Active Cash® Card
 

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4/5.0 from 208 Offer Ratings
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on Wells Fargo's secure site

Rates & Fees
  • Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

See additional details for Wells Fargo Active Cash® Card

Our pick for doubling your cash back

Citi® Double Cash Card – 18 month BT offer
 

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5/5.0 from 55 Offer Ratings
Over the Past 60 Days!

  • Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Intro Balance Transfer APR 0% for 18 months on Balance Transfers
  • Regular Purchase & BT APR 17.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Intro Balance Transfer APR 0% for 18 months on Balance Transfers
  • Regular Purchase & BT APR 17.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Our pick for long periods of 0% intro APR with a generous welcome offer

BankAmericard® credit card
 

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4.5/5.0 from 128 Offer Ratings
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  • Intro APR 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro APR 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

See additional details for BankAmericard® credit card

Our pick for low-maintenance earning

Citi Custom Cash℠ Card
 

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5/5.0 from 116 Offer Ratings
Over the Past 60 Days!

  • Sign-Up Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Sign-Up Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

See additional details for Citi Custom Cash℠ Card

Our pick for unlimited cash rewards with a great sign-up bonus

Capital One Quicksilver Cash Rewards Credit Card
 

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4.5/5.0 from 403 Offer Ratings
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  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Intro APR 0% intro on purchases for 15 months, then 17.99% - 27.99% (Variable). 0% intro on balance transfers for 15 months, then 17.99% - 27.99% (Variable)
  • Cash Back Details No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Intro APR 0% intro on purchases for 15 months, then 17.99% - 27.99% (Variable). 0% intro on balance transfers for 15 months, then 17.99% - 27.99% (Variable)
  • Cash Back Details No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Our pick for choosing your own cash back rewards

Bank of America® Customized Cash Rewards credit card
 

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5/5.0 from 38 Offer Ratings
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  • Intro APR 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Intro APR 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.   
  • No annual fee and no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

 

Our pick for foodies

Capital One SavorOne Cash Rewards Credit Card
 

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4.5/5.0 from 33 Offer Ratings
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on Capital One's secure site

  • Rewards Rate 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases
  • Sign-Up Bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Cash Back Details No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases
  • Sign-Up Bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Cash Back Details No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Our pick for travel rewards with no annual fee

Capital One VentureOne Rewards Credit Card
 

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4/5.0 from 0 Offer Ratings
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on Capital One's secure site

  • Sign-Up Bonus 20,000 miles with minimum spending requirement
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel
  • Rates & Fees 3% Balance Transfer Fee, $0 annual fee, and no foreign transaction fee
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Sign-Up Bonus 20,000 miles with minimum spending requirement
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel
  • Rates & Fees 3% Balance Transfer Fee, $0 annual fee, and no foreign transaction fee
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Our pick for longest period of 0% intro APR on balance transfers

Citi® Diamond Preferred® Card
 

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5/5.0 from 233 Offer Ratings
Over the Past 60 Days!

  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro Balance Transfer APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 16.74% - 27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro Balance Transfer APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 16.74% - 27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

See additional details for Citi® Diamond Preferred® Card

Our pick for best unlimited travel rewards card

Bank of America® Travel Rewards credit card
 

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  • Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
  • Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
  • Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. 
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. 
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions. 
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. 
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our pick for best streaming rewards

Wells Fargo Autograph℠ Card
 

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0/5.0 from 115 Offer Ratings
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on Wells Fargo's secure site

Rates & Fees
  • Welcome Offer Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Rewards Rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
  • Intro Purchase APR 0% intro APR for 12 months from account opening on purchases, then 18.74%, 23.74%, or 28.74% variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Welcome Offer Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Rewards Rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
  • Intro Purchase APR 0% intro APR for 12 months from account opening on purchases, then 18.74%, 23.74%, or 28.74% variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 18.74%, 23.74%, or 28.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.

See additional details for Wells Fargo Autograph℠ Card

Our pick for no-annual-fee 2% cash back card

Synchrony Premier World Mastercard®
 

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on Synchrony Bank's secure site

  • Rewards Rate 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • Annual Fee $0 Annual Fee
  • Security Secure online and mobile app account access
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Mastercard®
  • Rewards Rate 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • Annual Fee $0 Annual Fee
  • Security Secure online and mobile app account access
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Mastercard®

Highlights

  • 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • No annual fee*
  • $0 fraud liability
  • Secure online and mobile app account access
  • Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
  • Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.

See additional details for Synchrony Premier World Mastercard®

Our pick for frequent online shoppers

Blue Cash Everyday® Card from American Express
 

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on American Express's secure site

Rates & Fees

Terms Apply

  • Buy Now, Pay Later Intro Offer Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Welcome Offer Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • Rewards Rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express
  • Buy Now, Pay Later Intro Offer Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Welcome Offer Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • Rewards Rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 17.74% - 28.74% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.

Our pick for nearly two years of 0% intro APR on purchases

Wells Fargo Reflect® Card
 

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on Wells Fargo's secure site

Rates & Fees
  • Regular APR 16.74% - 28.74% variable APR
  • Intro Purchase APR 0% intro APR up to 21 months from account opening
  • Intro BT APR 0% intro APR up to 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Regular APR 16.74% - 28.74% variable APR
  • Intro Purchase APR 0% intro APR up to 21 months from account opening
  • Intro BT APR 0% intro APR up to 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions

See additional details for Wells Fargo Reflect® Card

Our pick for credit card rewards optimizers

Chase Freedom Flex℠
 

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on Chase's secure site

  • Sign-Up Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
  • Introductory APR 0% Intro APR on Purchases for 15 months
  • Regular APR 17.99% - 26.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Sign-Up Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
  • Introductory APR 0% Intro APR on Purchases for 15 months
  • Regular APR 17.99% - 26.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

See additional details for Chase Freedom Flex℠

U.S. Bank Altitude® Go Visa Signature® Card
 

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4/5.0 from 18 Offer Ratings
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on U.S. Bank's secure site

Rates & Fees
  • Sign-Up Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
  • Rewards Rate Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • Intro APR 0% for 12 billing cycles on purchases, then 18.74% - 27.74% (Variable) and 0% for 12 billing cycles on balance transfers, then 18.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
  • Rewards Rate Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • Intro APR 0% for 12 billing cycles on purchases, then 18.74% - 27.74% (Variable) and 0% for 12 billing cycles on balance transfers, then 18.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. 
  • 4X points on dining, takeout, and restaurant delivery.  
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!  
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations  
  • 1X point on all other eligible purchases. 
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.74% - 27.74%.  
  • No Annual Fee 
  • Points never expire  
  • Terms and conditions apply.

Our pick for rewards that never expire

Discover it® chrome
 

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4/5.0 from 13 Offer Ratings
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on Discover's secure site

Rates & Fees
  • Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Ongoing APR 15.74% - 26.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Ongoing APR 15.74% - 26.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® chrome

Our pick for best first year bonus on a balance transfer card

Discover it® Balance Transfer
 

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on Discover's secure site

Rates & Fees
  • Balance Transfer Intro APR 0% Intro APR for 18 months on balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Balance Transfer Intro APR 0% Intro APR for 18 months on balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Balance Transfer

Our pick for best first-year travel bonus

Discover it® Miles
 

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4.5/5.0 from 49 Offer Ratings
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on Discover's secure site

Rates & Fees
  • Sign-Up Bonus Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Rewards Rate Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • 0% Intro APR 0% Intro APR for 15 months on purchases, then 15.74% - 26.74% Variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Sign-Up Bonus Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Rewards Rate Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • 0% Intro APR 0% Intro APR for 15 months on purchases, then 15.74% - 26.74% Variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies based on credit worthiness
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Miles

Our pick for earning unlimited cash back with 0% intro APR

Bank of America® Unlimited Cash Rewards credit card
 

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on Bank of America's secure site

Call To Apply
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Intro APRs 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Rewards Rate 1.5% cash back on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Intro APRs 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Rewards Rate 1.5% cash back on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.  
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.  
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.  
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Chase Slate Edge℠
 

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on Chase's secure site

  • Sign-Up Bonus N/A
  • Intro Purchase APR 0% Intro APR on Purchases for 18 months. Then, a 17.99% - 26.74% Variable APR applies.
  • Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Then, a 17.99% - 26.74% Variable APR applies.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus N/A
  • Intro Purchase APR 0% Intro APR on Purchases for 18 months. Then, a 17.99% - 26.74% Variable APR applies.
  • Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Then, a 17.99% - 26.74% Variable APR applies.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 17.99% - 26.74% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more

See additional details for Chase Slate Edge℠

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

No Annual Fee Credit Cards

Credit cards come with all sorts of fees, so many consumers look specifically for those that are low-interest or credit cards with no annual fee. An annual fee is a one-time fee credit card companies charge to have the card per year, mainly for the more prestigious credit cards like American Express.

Many credit cards offer no annual fee for the first year, meaning they waive the annual fee until year two comes around. Annual fees can range anywhere from as little as $20 to as high as a few hundred dollars, depending on the card. Examine the pros and the cons of the best credit cards with no annual fee and see if the benefits outweigh the fee. Review no annual fee credit cards to choose the one with the benefits that interest you.

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