Best Credit Cards for April 2024

Choosing your perfect credit card just got easier. Check out the best credit cards from our partners for Cash Back, Balance Transfer, and other rewards.

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Best Credit Cards
Cash Back
Balance Transfer
Rewards
Travel
Low Interest

Best Credit Cards Overall

Unlimited 2% Cash Rewards
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

2% Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's secure site
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Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Apply Now
On Citi®'s secure site

Welcome 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.

Purchase & Balance Transfer APR

0% Intro APR on balance transfers for 18 months, then 19.24% – 29.24% (Variable). A 19.24% – 29.24% (Variable) APR will apply for purchases
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1% – 5%

Annual Fee

$0

Recommended Credit Score

Fair, Good, Excellent (580 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Apply Now
On Citi®'s secure site
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Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Apply Now
On Chase's secure site

Welcome Bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Apply Now
On Chase's secure site

Cash Back

1.5% – 6.5% Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases

Annual Fee

$0

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% – 29.24%.
  • 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, alerts, and more.
  • Member FDIC
Apply Now
On Chase's secure site
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Amazing First Year Bonus
Discover it® Cash Back
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Generous Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

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

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • 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 as long as your account remains open.
  • 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.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you’re a Bank of America 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Straightforward Unlimited 1.5% Cash Back
Bank of America® Unlimited Cash Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Rewards

1.5% 1.5% cash back on every purchase.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This cash back credit card offers unlimited 1.5% cash back on all purchases making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • $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 Bank of America 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 as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Great For Everday Spending
Blue Cash Preferred® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1% – 6% 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.

Annual Fee

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

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Apply Now
On American Express' secure site
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Incredibly Long 0% Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Apply Now
On Wells Fargo's secure site

Top Feature

Low deductible cell phone protection

Purchase & Balance Transfer APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
Apply Now
On Wells Fargo's secure site
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Massive Bonus Towards Travel Worth $750
Chase Sapphire Preferred® Card
Apply Now
On Chase's secure site

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Purchase & Balance Transfer APR

21.49%-28.49% Variable
Apply Now
On Chase's secure site

Rewards

1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Annual Fee

$95

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

This premium travel card is offering an incredible bonus point opportunity, fantastic ongoing rewards, a long list of travel benefits and protections and extremely flexible redemption options. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Apply Now
On Chase's secure site
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Huge Bonus Worth $600
Bank of America® Premium Rewards® credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

20.24% – 27.24% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's secure site

Rewards

1.5x – 2x Points Earn unlimited 2 points for every $1 spent on travel and dining purchases.

Earn unlimited 1.5 points for every $1 spent on all other purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$95

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

The Bank of America® Premium Rewards® credit card is a fantastic option if you are looking for a premium travel card with incredible flexibility. It is easy to rack up rewards when you earn 2 points for every dollar spent on travel and dining purchases and 1.5 points per dollar on all other purchases. There’s also a fantastic online bonus and other travel perks to take note of as well. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
  • If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Solid Bonus & Rewards Plus Travel Perks
Capital One Venture Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Purchase & Balance Transfer APR

19.99% – 29.99% (Variable)
Apply Now
On Capital One's secure site
Rates and Fees

Rewards

2x – 5x Earn 5X miles on hotels and rental cars booked through Capital One Travel. Terms apply

Earn unlimited 2X miles on every purchase, every day

Annual Fee

$95

Recommended Credit Score

Excellent, Good (670 – 850*)
Show All Card Details +

Critic's Overview

There’s a good reason this travel card continually receives rave reviews. It offers a generous and uncomplicated flat rate on all purchases and an elevated rate on hotels and rental cars booked through Capital One Travel. If the massive welcome bonus doesn’t convince you then the ongoing rewards and perks surely will. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • 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
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Apply Now
On Capital One's secure site
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Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
  • 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. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now
On Wells Fargo's secure site
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Best For Premium Rewards and Perks
The Platinum Card® from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Purchase APR

See Pay Over Time APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1x – 5x 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

5 points per dollar on prepaid hotels booked with American Express Travel.

1 point per dollar on all other purchases.

Terms apply.

Annual Fee

$695

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

This luxury card comes with a hefty price tag, but if you take advantage of all of the statement credit opportunities it is quickly justified (and then some). There is also a massive welcome bonus and a long list of card member perks to check out as well.

Card Details From Issuer

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Apply Now
On American Express' secure site
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Huge Bonus Miles Rewards
Capital One Venture X Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Purchase & Balance Transfer APR

19.99% – 29.99% (Variable)
Apply Now
On Capital One's secure site
Rates and Fees

Rewards

2X – 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Terms apply

5X miles on flights booked through Capital One Travel. Terms apply

Earn unlimited 2X miles on all other purchases

Annual Fee

$395

Recommended Credit Score

Excellent (720 – 850*)
Show All Card Details +

Critic's Overview

If you have excellent credit and are looking to take your travel rewards to the next level then this premium card is for you. It does come with a steep annual fee but the introductory bonus, ongoing rewards and rich perks quickly justify the fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Apply Now
On Capital One's secure site
Hide All Card Details –

Best Cash Back Cards

Unlimited 2% Cash Rewards
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

2% Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's secure site
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Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Apply Now
On Citi®'s secure site

Welcome 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.

Purchase & Balance Transfer APR

0% Intro APR on balance transfers for 18 months, then 19.24% – 29.24% (Variable). A 19.24% – 29.24% (Variable) APR will apply for purchases
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1% – 5% 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.

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Annual Fee

$0

Recommended Credit Score

Fair, Good, Excellent (580 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Apply Now
On Citi®'s secure site
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Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Apply Now
On Chase's secure site

Welcome Bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Apply Now
On Chase's secure site

Cash Back

1.5% – 6.5% Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases

Annual Fee

$0

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% – 29.24%.
  • 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, alerts, and more.
  • Member FDIC
Apply Now
On Chase's secure site
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Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1% – 6% 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.

Annual Fee

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

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Apply Now
On American Express' secure site
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Amazing First Year Bonus
Discover it® Cash Back
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Straightforward Unlimited 1.5% Cash Back
Bank of America® Unlimited Cash Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Rewards

1.5% 1.5% cash back on every purchase.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This cash back credit card offers unlimited 1.5% cash back on all purchases making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • $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 Bank of America 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 as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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5% Cash Back on Your Top Spending Category
Citi Custom Cash® Card
Apply Now
On Citi®'s secure site

Welcome Bonus

Earn $200 in cash back after you spend $1500 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.

Purchase & Balance Transfer APR

0% intro APR for 15 months on Purchases and Balance Transfers, then 19.24% – 29.24% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1% – 5% 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.

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Annual Fee

$0

Recommended Credit Score

Fair, Good, Excellent (580 – 850*)
Show All Card Details +

Critic's Overview

This extremely flexible cash back card from Citi, an advertising partner, makes it easy to rack up big-time rewards. You will earn 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent). The great thing is that you don’t have to choose your bonus category ahead of time because your earn adjusts automatically based on your spending. You will earn 1% on all other purchases, have a chance to earn a significant cash back intro bonus and save money with a generous intro APR period on both purchases and balance transfers.

Card Details From Issuer

  • 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 19.24% – 29.24%, 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • 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.
Apply Now
On Citi®'s secure site
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Best Balance Transfer Cards

Best for Balance Transfers
Discover it® Balance Transfer
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Generous Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

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

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • 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 as long as your account remains open.
  • 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.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you’re a Bank of America 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Apply Now
On Chase's secure site

Welcome Bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Apply Now
On Chase's secure site

Cash Back

1.5% – 6.5% Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases

Annual Fee

$0

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% – 29.24%.
  • 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, alerts, and more.
  • Member FDIC
Apply Now
On Chase's secure site
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Incredibly Long 0% Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Apply Now
On Wells Fargo's secure site

Top Feature

Low deductible cell phone protection

Purchase & Balance Transfer APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
Apply Now
On Wells Fargo's secure site
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Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1% – 6% 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.

Annual Fee

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

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Apply Now
On American Express' secure site
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No Late Fees, No Penalty Rate, and No Annual Fee
Citi Simplicity® Card
Apply Now
On Citi®'s secure site

Purchase APR

0% intro APR for 12 months on purchases, then 19.24% – 29.99% (Variable)

Balance Transfer APR

0% intro APR for 21 months on balance transfers, then 19.24% – 29.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee.

Card Details From Issuer

  • 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 19.24% – 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • 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).
  • Stay protected with Citi® Quick Lock
Apply Now
On Citi®'s secure site
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Straightforward Unlimited 1.5% Cash Back
Bank of America® Unlimited Cash Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5% 1.5% cash back on every purchase.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This cash back credit card offers unlimited 1.5% cash back on all purchases making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • $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 Bank of America 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 as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
Citi® Diamond Preferred® Card
Apply Now
On Citi®'s secure site

Purchase APR

0% intro APR for 12 months on Purchases, then 18.24% – 28.99% (Variable)

Balance Transfer APR

0% intro APR for 21 months on Balance Transfers, then 18.24% – 28.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 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.
  • No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Apply Now
On Citi®'s secure site
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Unlimited 2% Cash Rewards
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

2% Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's secure site
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Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Apply Now
On Citi®'s secure site

Welcome 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.

Purchase & Balance Transfer APR

0% Intro APR on balance transfers for 18 months, then 19.24% – 29.24% (Variable). A 19.24% – 29.24% (Variable) APR will apply for purchases
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1% – 5% 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.

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Annual Fee

$0

Recommended Credit Score

Fair, Good, Excellent (580 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Apply Now
On Citi®'s secure site
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Best Rewards Cards

Unlimited 2% Cash Rewards
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

2% Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's secure site
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Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Apply Now
On Citi®'s secure site

Welcome 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.

Purchase & Balance Transfer APR

0% Intro APR on balance transfers for 18 months, then 19.24% – 29.24% (Variable). A 19.24% – 29.24% (Variable) APR will apply for purchases
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1% – 5% 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.

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Annual Fee

$0

Recommended Credit Score

Fair, Good, Excellent (580 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Apply Now
On Citi®'s secure site
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Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1% – 6% 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.

Annual Fee

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

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Apply Now
On American Express' secure site
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Massive Bonus Towards Travel Worth $750
Chase Sapphire Preferred® Card
Apply Now
On Chase's secure site

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Purchase & Balance Transfer APR

21.49%-28.49% Variable
Apply Now
On Chase's secure site

Rewards

1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Annual Fee

$95

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

This premium travel card is offering an incredible bonus point opportunity, fantastic ongoing rewards, a long list of travel benefits and protections and extremely flexible redemption options. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Apply Now
On Chase's secure site
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Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Apply Now
On Chase's secure site

Welcome Bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Apply Now
On Chase's secure site

Cash Back

1.5% – 6.5% Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases

Annual Fee

$0

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% – 29.24%.
  • 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, alerts, and more.
  • Member FDIC
Apply Now
On Chase's secure site
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Amazing First Year Bonus
Discover it® Cash Back
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Huge Bonus Worth $600
Bank of America® Premium Rewards® credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

20.24% – 27.24% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's secure site

Rewards

1.5x – 2x Points Earn unlimited 2 points for every $1 spent on travel and dining purchases.

Earn unlimited 1.5 points for every $1 spent on all other purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$95

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

The Bank of America® Premium Rewards® credit card is a fantastic option if you are looking for a premium travel card with incredible flexibility. It is easy to rack up rewards when you earn 2 points for every dollar spent on travel and dining purchases and 1.5 points per dollar on all other purchases. There’s also a fantastic online bonus and other travel perks to take note of as well. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
  • If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Generous Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

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

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • 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 as long as your account remains open.
  • 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.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you’re a Bank of America 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Straightforward Unlimited 1.5% Cash Back
Bank of America® Unlimited Cash Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5% 1.5% cash back on every purchase.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This cash back credit card offers unlimited 1.5% cash back on all purchases making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • $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 Bank of America 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 as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
  • 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. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now
On Wells Fargo's secure site
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Solid Bonus & Rewards Plus Travel Perks
Capital One Venture Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Purchase & Balance Transfer APR

19.99% – 29.99% (Variable)
Apply Now
On Capital One's secure site
Rates and Fees

Rewards

2x – 5x Earn 5X miles on hotels and rental cars booked through Capital One Travel. Terms apply

Earn unlimited 2X miles on every purchase, every day

Annual Fee

$95

Recommended Credit Score

Excellent, Good (670 – 850*)
Show All Card Details +

Critic's Overview

There’s a good reason this travel card continually receives rave reviews. It offers a generous and uncomplicated flat rate on all purchases and an elevated rate on hotels and rental cars booked through Capital One Travel. If the massive welcome bonus doesn’t convince you then the ongoing rewards and perks surely will. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • 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
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Apply Now
On Capital One's secure site
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Best For Premium Rewards and Perks
The Platinum Card® from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Purchase APR

See Pay Over Time APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1x – 5x 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

5 points per dollar on prepaid hotels booked with American Express Travel.

1 point per dollar on all other purchases.

Terms apply.

Annual Fee

$695

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

This luxury card comes with a hefty price tag, but if you take advantage of all of the statement credit opportunities it is quickly justified (and then some). There is also a massive welcome bonus and a long list of card member perks to check out as well.

Card Details From Issuer

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Apply Now
On American Express' secure site
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Huge Bonus Miles Rewards
Capital One Venture X Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Purchase & Balance Transfer APR

19.99% – 29.99% (Variable)
Apply Now
On Capital One's secure site
Rates and Fees

Rewards

2X – 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Terms apply

5X miles on flights booked through Capital One Travel. Terms apply

Earn unlimited 2X miles on all other purchases

Annual Fee

$395

Recommended Credit Score

Excellent (720 – 850*)
Show All Card Details +

Critic's Overview

If you have excellent credit and are looking to take your travel rewards to the next level then this premium card is for you. It does come with a steep annual fee but the introductory bonus, ongoing rewards and rich perks quickly justify the fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Apply Now
On Capital One's secure site
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Massive Bonus Towards Travel Worth $900
Chase Sapphire Reserve®
Apply Now
On Chase's secure site

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.

Purchase & Balance Transfer APR

22.49%-29.49% Variable
Apply Now
On Chase's secure site

Rewards

1x – 10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Annual Fee

$550

Recommended Credit Score

Excellent (720 – 850*)
Show All Card Details +

Critic's Overview

The Chase Sapphire Reserve® card truly is one of the best premium travel cards for frequent travelers. It offers a massive sign up bonus, elevated rewards on travel and dining, hundreds of dollars in annual credits and other premium perks. If you are looking to take your premium rewards to the highest level, this card really is a no brainer and the high annual fee is worth it if you are a big traveler.

Card Details From Issuer

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
Apply Now
On Chase's secure site
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Free Checked Bag Plus A Welcome Bonus
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Apply Now
On Citi®'s secure site

Welcome Bonus

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Purchase & Balance Transfer APR

21.24% – 29.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1x – 2x Miles Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases

Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Annual Fee

$99, waived for first 12 months

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great pick for travelers who fly American Airlines regularly. With this card you will earn rewards at gas stations, restaurants, and eligible American Airline purchases, plus early boarding and a free checked bag. There is also a welcome bonus that offers additional bonus miles if you meet the requirements.

Card Details From Issuer

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
Apply Now
On Citi®'s secure site
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Elevated American Airlines Rewards + No Annual Fee
American Airlines AAdvantage® MileUp® Card
Apply Now
On Citi®'s secure site

Welcome Bonus

Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.

Purchase & Balance Transfer APR

21.24% – 29.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1x – 2x Miles Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases

Earn 1 AAdvantage® mile for every $1 spent on other purchases

Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

The American Airlines AAdvantage® MileUp® Card is a good fit for occasional flyers who want to earn miles without an annual fee. You will earn elevated rewards on American Airline purchases and at grocery stores. There is also a welcome bonus that offers additional bonus miles if you meet the requirements.

Card Details From Issuer

  • Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
Apply Now
On Citi®'s secure site
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Best Travel Cards

Generous Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

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

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • 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 as long as your account remains open.
  • 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.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you’re a Bank of America 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Massive Bonus Towards Travel Worth $750
Chase Sapphire Preferred® Card
Apply Now
On Chase's secure site

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Purchase & Balance Transfer APR

21.49%-28.49% Variable
Apply Now
On Chase's secure site

Rewards

1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Annual Fee

$95

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

This premium travel card is offering an incredible bonus point opportunity, fantastic ongoing rewards, a long list of travel benefits and protections and extremely flexible redemption options. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Apply Now
On Chase's secure site
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Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
  • 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. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now
On Wells Fargo's secure site
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Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Apply Now
On Chase's secure site

Welcome Bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Apply Now
On Chase's secure site

Cash Back

1.5% – 6.5% Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases

Annual Fee

$0

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% – 29.24%.
  • 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, alerts, and more.
  • Member FDIC
Apply Now
On Chase's secure site
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Solid Bonus & Rewards Plus Travel Perks
Capital One Venture Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Purchase & Balance Transfer APR

19.99% – 29.99% (Variable)
Apply Now
On Capital One's secure site
Rates and Fees

Rewards

2x – 5x Earn 5X miles on hotels and rental cars booked through Capital One Travel. Terms apply

Earn unlimited 2X miles on every purchase, every day

Annual Fee

$95

Recommended Credit Score

Excellent, Good (670 – 850*)
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Critic's Overview

There’s a good reason this travel card continually receives rave reviews. It offers a generous and uncomplicated flat rate on all purchases and an elevated rate on hotels and rental cars booked through Capital One Travel. If the massive welcome bonus doesn’t convince you then the ongoing rewards and perks surely will. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • 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
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Apply Now
On Capital One's secure site
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Double Your Miles Earned in Your First Year
Discover it® Miles
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the Miles you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1.5x Miles Earn Unlimited 1.5x Miles Per Dollar On All Purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

A fantastic travel card that pays an unlimited 1.5 miles for every dollar spent and has no annual fee. Double all of the miles you earn your first year with their unique bonus opportunity and save with a generous intro APR period on purchases and balance transfers as well.

Card Details From Issuer

  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers – only from Discover. 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
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% – 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Huge Bonus Miles Rewards
Capital One Venture X Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Purchase & Balance Transfer APR

19.99% – 29.99% (Variable)
Apply Now
On Capital One's secure site
Rates and Fees

Rewards

2X – 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Terms apply

5X miles on flights booked through Capital One Travel. Terms apply

Earn unlimited 2X miles on all other purchases

Annual Fee

$395

Recommended Credit Score

Excellent (720 – 850*)
Show All Card Details +

Critic's Overview

If you have excellent credit and are looking to take your travel rewards to the next level then this premium card is for you. It does come with a steep annual fee but the introductory bonus, ongoing rewards and rich perks quickly justify the fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Apply Now
On Capital One's secure site
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Best For Premium Rewards and Perks
The Platinum Card® from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Purchase APR

See Pay Over Time APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1x – 5x 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

5 points per dollar on prepaid hotels booked with American Express Travel.

1 point per dollar on all other purchases.

Terms apply.

Annual Fee

$695

Recommended Credit Score

Good – Excellent (670 – 850*)
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Critic's Overview

This luxury card comes with a hefty price tag, but if you take advantage of all of the statement credit opportunities it is quickly justified (and then some). There is also a massive welcome bonus and a long list of card member perks to check out as well.

Card Details From Issuer

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Apply Now
On American Express' secure site
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Massive Bonus Towards Travel Worth $900
Chase Sapphire Reserve®
Apply Now
On Chase's secure site

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.

Purchase APR

22.49%-29.49% Variable
Apply Now
On Chase's secure site

Rewards

1x – 10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Annual Fee

$550

Recommended Credit Score

Excellent (720 – 850*)
Show All Card Details +

Critic's Overview

The Chase Sapphire Reserve® card truly is one of the best premium travel cards for frequent travelers. It offers a massive sign up bonus, elevated rewards on travel and dining, hundreds of dollars in annual credits and other premium perks. If you are looking to take your premium rewards to the highest level, this card really is a no brainer and the high annual fee is worth it if you are a big traveler.

Card Details From Issuer

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
Apply Now
On Chase's secure site
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Free Checked Bag Plus A Welcome Bonus
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Apply Now
On Citi®'s secure site

Welcome Bonus

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Purchase APR

21.24% – 29.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1x – 2x Miles Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases

Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Annual Fee

$99, waived for first 12 months

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great pick for travelers who fly American Airlines regularly. With this card you will earn rewards at gas stations, restaurants, and eligible American Airline purchases, plus early boarding and a free checked bag. There is also a welcome bonus that offers additional bonus miles if you meet the requirements.

Card Details From Issuer

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
Apply Now
On Citi®'s secure site
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Elevated American Airlines Rewards + No Annual Fee
American Airlines AAdvantage® MileUp® Card
Apply Now
On Citi®'s secure site

Welcome Bonus

Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.

Purchase APR

21.24% – 29.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1x – 2x Miles Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases

Earn 1 AAdvantage® mile for every $1 spent on other purchases

Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

The American Airlines AAdvantage® MileUp® Card is a good fit for occasional flyers who want to earn miles without an annual fee. You will earn elevated rewards on American Airline purchases and at grocery stores. There is also a welcome bonus that offers additional bonus miles if you meet the requirements.

Card Details From Issuer

  • Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
Apply Now
On Citi®'s secure site
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Best Low Interest Cards

Best for Balance Transfers
Discover it® Balance Transfer
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Generous Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

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

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • 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 as long as your account remains open.
  • 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.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you’re a Bank of America 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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Incredibly Long 0% Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Apply Now
On Wells Fargo's secure site

Top Feature

Low deductible cell phone protection

Purchase & Balance Transfer APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Cash Rewards

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
Apply Now
On Wells Fargo's secure site
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Amazing First Year Bonus
Discover it® Cash Back
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Apply Now
On Discover's secure site
Rates and Fees

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Updated April 24, 2024
Apply Now
On Discover's secure site
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Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Apply Now
On Chase's secure site

Welcome Bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Apply Now
On Chase's secure site

Cash Back

1.5% – 6.5% Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases

Annual Fee

$0

Recommended Credit Score

Good – Excellent (670 – 850*)
Show All Card Details +

Critic's Overview

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% – 29.24%.
  • 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, alerts, and more.
  • Member FDIC
Apply Now
On Chase's secure site
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Straightforward Unlimited 1.5% Cash Back
Bank of America® Unlimited Cash Rewards credit card
Apply Now
On Bank of America's secure site

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
On Bank of America's secure site

Cash Back

1.5% 1.5% cash back on every purchase.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
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Critic's Overview

This cash back credit card offers unlimited 1.5% cash back on all purchases making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • $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 Bank of America 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 as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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.
Updated April 24, 2024
Apply Now
On Bank of America's secure site
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No Late Fees, No Penalty Rate, and No Annual Fee
Citi Simplicity® Card
Apply Now
On Citi®'s secure site

Purchase APR

0% intro APR for 12 months on purchases, then 19.24% – 29.99% (Variable)

Balance Transfer APR

0% intro APR for 21 months on balance transfers, then 19.24% – 29.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
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Critic's Overview

This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee.

Card Details From Issuer

  • 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 19.24% – 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • 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).
  • Stay protected with Citi® Quick Lock
Apply Now
On Citi®'s secure site
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Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Rewards

1% – 6% 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.

Annual Fee

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

Recommended Credit Score

Good – Excellent (670 – 850*)
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Critic's Overview

If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Apply Now
On American Express' secure site
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Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Apply Now
On Citi®'s secure site

Welcome 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.

Purchase & Balance Transfer APR

0% Intro APR on balance transfers for 18 months, then 19.24% – 29.24% (Variable). A 19.24% – 29.24% (Variable) APR will apply for purchases
Apply Now
On Citi®'s secure site
Rates and Fees

Rewards

1% – 5% 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.

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Annual Fee

$0

Recommended Credit Score

Fair, Good, Excellent (580 – 850*)
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Critic's Overview

If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Apply Now
On Citi®'s secure site
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Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
Citi® Diamond Preferred® Card
Apply Now
On Citi®'s secure site

Purchase APR

0% intro APR for 12 months on Purchases, then 18.24% – 28.99% (Variable)

Balance Transfer APR

0% intro APR for 21 months on Balance Transfers, then 18.24% – 28.99% (Variable)
Apply Now
On Citi®'s secure site
Rates and Fees

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
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Critic's Overview

If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 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 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 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.
  • No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Apply Now
On Citi®'s secure site
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Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 20.24%, 25.24%, or 29.99% Variable APR
Apply Now
On Wells Fargo's secure site
Rates and Fees

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
  • 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. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now
On Wells Fargo's secure site
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.