Apply now at Capital One's secure site

Capital One SavorOne Cash Rewards Credit Card

3.5/5

BEST FOR CASH BACK

Rewards Rates

1 - 10% cash-back

Rewards Rates

10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8% Earn 8% cash back on Capital One Entertainment purchases
5% 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
3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1% Earn 1% on all other purchases.

Intro Offer

$200

Annual Fee

$0

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.24% - 29.24% variable APR after, there's a 3% balance transfer fee).
This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
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.

Cons

If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
The sign-up bonus isn’t anything to write home about (though it is easy to earn).

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; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee

Pros

The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.24% - 29.24% variable APR after, there's a 3% balance transfer fee).
This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
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.

Cons

If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
The sign-up bonus isn’t anything to write home about (though it is easy to earn).

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; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee

Pros

The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.24% - 29.24% variable APR after, there's a 3% balance transfer fee).
This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
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.

Cons

If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
The sign-up bonus isn’t anything to write home about (though it is easy to earn).

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; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee

Apply now at Capital One's secure site

Capital One VentureOne Rewards Credit Card

3/5

Rewards Rates

1.25 - 5X points

Rewards Rates

5X 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
1.25X Earn unlimited 1.25X miles on every purchase, every day.

Intro Offer

40,000 miles

Annual Fee

$0

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase!

Pros

Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months.
Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
No foreign transaction fees.
Earn 20,000 bonus miles after spending $500 or more on purchases within the first three months from account opening.

Cons

Other credit cards can offer you higher rewards for your common purchase categories.
Capital One airline transfer partners do not include any large U.S. airlines.

$0 annual fee and no foreign transaction fees
Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 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 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months

Pros

Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months.
Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
No foreign transaction fees.
Earn 20,000 bonus miles after spending $500 or more on purchases within the first three months from account opening.

Cons

Other credit cards can offer you higher rewards for your common purchase categories.
Capital One airline transfer partners do not include any large U.S. airlines.

$0 annual fee and no foreign transaction fees
Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 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 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months

Pros

Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months.
Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
No foreign transaction fees.
Earn 20,000 bonus miles after spending $500 or more on purchases within the first three months from account opening.

Cons

Other credit cards can offer you higher rewards for your common purchase categories.
Capital One airline transfer partners do not include any large U.S. airlines.

$0 annual fee and no foreign transaction fees
Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 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 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Blue Cash Preferred® Card from American Express

4/5

BEST FOR GROCERIES AT U.S. SUPERMARKETS

Rewards Rates

1 - 6% cash-back

Rewards Rates

6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6% 6% Cash Back on select U.S. streaming subscriptions
3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3% 3% Cash Back at U.S. gas stations
1% 1% Cash Back on other purchases

Intro Offer

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.

Pros

Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%.
This card has one of the best earning structures out there for cash-back credit cards.
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.

Cons

There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
See Rates & Fees

Pros

Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%.
This card has one of the best earning structures out there for cash-back credit cards.
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.

Cons

There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
See Rates & Fees

Pros

Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%.
This card has one of the best earning structures out there for cash-back credit cards.
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.

Cons

There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
See Rates & Fees

Apply now at Chase's secure site

Chase Freedom Unlimited®

4/5

Rewards Rates

1.5 - 5% cash-back

Rewards Rates

5% Enjoy 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% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5% 1.5% on all other purchases

Intro Offer

Earn an Additional 1.5% Cash Back

Annual Fee

$0

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
At least 1.5% back on every purchase, with up to 3% back on select categories.
Perfect for everyday, non-bonused spending.
Incredible value when paired with a premium Chase card.

Cons

There is a foreign transaction fee so the card shouldn't be used abroad.
Limited card perks and benefits.

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.

Pros

Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
At least 1.5% back on every purchase, with up to 3% back on select categories.
Perfect for everyday, non-bonused spending.
Incredible value when paired with a premium Chase card.

Cons

There is a foreign transaction fee so the card shouldn't be used abroad.
Limited card perks and benefits.

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.

Pros

Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
At least 1.5% back on every purchase, with up to 3% back on select categories.
Perfect for everyday, non-bonused spending.
Incredible value when paired with a premium Chase card.

Cons

There is a foreign transaction fee so the card shouldn't be used abroad.
Limited card perks and benefits.

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.

Apply now at Capital One's secure site

Capital One Quicksilver Cash Rewards Credit Card

3.5/5

Rewards Rates

1.5 - 5% cash-back

Rewards Rates

5% 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
1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro Offer

$200

Annual Fee

$0

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

The Capital One Quicksilver Cash Rewards Credit Card is a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.

Pros

0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
Unlimited 1.5% cash back on all purchases.
No annual fee.
Cash back doesn't expire.

Cons

Limited card perks and benefits.
Other cards offer more potential and upside when it comes to redeeming cash back.

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; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Pros

0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
Unlimited 1.5% cash back on all purchases.
No annual fee.
Cash back doesn't expire.

Cons

Limited card perks and benefits.
Other cards offer more potential and upside when it comes to redeeming cash back.

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; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Pros

0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
Unlimited 1.5% cash back on all purchases.
No annual fee.
Cash back doesn't expire.

Cons

Limited card perks and benefits.
Other cards offer more potential and upside when it comes to redeeming cash back.

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; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Blue Cash Everyday® Card from American Express

3/5

Rewards Rates

1 - 3% cash-back

Rewards Rates

3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
1% 1% Cash Back on other purchases.

Intro Offer

$200

Annual Fee

$0

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
No annual fee.
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%.
Access to Amex Offers (enrollment required), which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

$6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
You’ll have to pay a 2.7% foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
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, 18.49% to 29.49% 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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
See Rates & Fees

Pros

Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
No annual fee.
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%.
Access to Amex Offers (enrollment required), which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

$6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
You’ll have to pay a 2.7% foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
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, 18.49% to 29.49% 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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
See Rates & Fees

Pros

Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
No annual fee.
3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%.
Access to Amex Offers (enrollment required), which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

$6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
You’ll have to pay a 2.7% foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
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, 18.49% to 29.49% 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 in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
See Rates & Fees

Apply now at Bank of America's secure site

Bank of America® Unlimited Cash Rewards credit card

3.5/5

Rewards Rates

1.5% cash-back

Rewards Rates

1.5% Earn unlimited 1.5% cash back on all purchases.

Intro Offer

$200

Annual Fee

$0

Recommended Credit

670-850

Excellent/Good Credit

670-850

Excellent/Good Credit

Why We Chose It

The Bank of America Unlimited Cash Rewards credit card brings in simplicity to the line-up of the best Bank of America cards. With an easy-to-remember 1.5% rewards rate, you could potentially earn 25 to 75% more cash back on every purchase if you’re a Preferred Rewards member. That means you could earn up to 2.62% cash back on every purchase.

Pros

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, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Unlimited 1.5% earnings on every single purchase.
No annual fee.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

Other cards can offer bonus points on common everyday purchases.
3% foreign transaction fee.

$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.
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, 17.49% - 27.49% Variable APR will apply. A 3% fee 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.

Pros

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, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Unlimited 1.5% earnings on every single purchase.
No annual fee.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

Other cards can offer bonus points on common everyday purchases.
3% foreign transaction fee.

$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.
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, 17.49% - 27.49% Variable APR will apply. A 3% fee 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.

Pros

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, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Unlimited 1.5% earnings on every single purchase.
No annual fee.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

Other cards can offer bonus points on common everyday purchases.
3% foreign transaction fee.

$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.
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, 17.49% - 27.49% Variable APR will apply. A 3% fee 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.

Apply now at Chase's secure site

Chase Freedom Flex℠

3.5/5

Rewards Rates

1 - 5% cash-back

Rewards Rates

5% 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% 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% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1% Unlimited 1% cash back on all other purchases.

Intro Offer

$200

Annual Fee

$0

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
The generous sign-up bonus is impressive for a no annual fee card.
The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.

Cons

You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
This card charges foreign transaction fees so it's best to use it within the U.S.

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 19.49% - 28.24%.
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.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
The generous sign-up bonus is impressive for a no annual fee card.
The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.

Cons

You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
This card charges foreign transaction fees so it's best to use it within the U.S.

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 19.49% - 28.24%.
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.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
The generous sign-up bonus is impressive for a no annual fee card.
The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.

Cons

You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
This card charges foreign transaction fees so it's best to use it within the U.S.

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 19.49% - 28.24%.
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.

Apply now at Wells Fargo's secure site

Terms & restrictions apply. See rates & fees

Apply now at Wells Fargo's secure site

Terms & restrictions apply. See rates & fees

Wells Fargo Reflect® Card

3/5

Rewards Rates

no offer

Rewards Rates

no offer

Intro Offer

no offer

Annual Fee

$0

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 18 months from account opening, with the potential of an extension of up to three months, given that you make on-time minimum payments in the introductory period. After the introductory period, you’ll face a variable APR of 17.49% to 29.49%, depending on your creditworthiness.

Pros

Introductory 0% APR offer of 18 months with the potential to extend up to three months.
No annual fee.
Cell phone protection.

Cons

No points or cash rewards earning potential.
No welcome bonus.

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. 17.49% to 29.49% 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

Pros

Introductory 0% APR offer of 18 months with the potential to extend up to three months.
No annual fee.
Cell phone protection.

Cons

No points or cash rewards earning potential.
No welcome bonus.

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. 17.49% to 29.49% 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

Pros

Introductory 0% APR offer of 18 months with the potential to extend up to three months.
No annual fee.
Cell phone protection.

Cons

No points or cash rewards earning potential.
No welcome bonus.

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. 17.49% to 29.49% 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

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