Best Credit Cards of May 2023

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Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

If you’re looking to earn points for travel or stash away some cash back, it’s a great time to open one of the best credit cards. Many of the most rewarding credit cards on the market are currently offering limited-time elevated welcome bonuses or generous 0% APR offers that can help you save money on interest.

It’s impossible to name one single best credit card, given the wide range of benefits, rewards, and annual fees available. But if you’re looking to find the best credit card for you, breaking it down by category is a good way to approach your search.


Featured Offer – BEST TRAVEL REWARDS CARD OVERALL

Chase Sapphire Preferred® Card


$95
Annual Fee


Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Featured Offer – BEST TRAVEL REWARDS CARD OVERALL

Chase Sapphire Preferred® Card


$95
Annual Fee


Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


$95
Annual Fee
On Chase’s website

This guide highlights the best credit card option for several different types of users. If you want a to-the-point recommendation for maximizing your spending and enjoying benefits like an intro APR period, this guide will help you find a quick answer.

Compare Credit Cards


Best card for flat-rate cash rewards earning

Wells Fargo Active Cash® Card
4.3/5



$0
Annual Fee


Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening


Rewards
Earn unlimited 2% cash rewards on purchases.

Best card for flat-rate cash rewards earning

Wells Fargo Active Cash® Card
4.3/5



$0
Annual Fee


Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening


Rewards
Earn unlimited 2% cash rewards on purchases.


$0
Annual Fee
On Wells Fargo’s website

Wells Fargo Active Cash® Card


Best card for flat-rate cash rewards earning

Details


Rewards
Earn unlimited 2% cash rewards on purchases.


Annual Fee
$0


Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
19.99%, 24.99%, or 29.99% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Editor’s Rating

4.3/5

Pros & Cons
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Highlights
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Additional Reading
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Best cash-back card for everyday spending

Chase Freedom Unlimited®
4.35/5



$0
Annual Fee


Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)


Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Best cash-back card for everyday spending

Chase Freedom Unlimited®
4.35/5



$0
Annual Fee


Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)


Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


$0
Annual Fee
On Chase’s website

Chase Freedom Unlimited®


Best cash-back card for everyday spending

Details


Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


Annual Fee
$0


Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
19.74% – 28.49% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor’s Rating

4.35/5

Pros & Cons
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Highlights
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Additional Reading
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Best rewards card for high earning in everyday categories

Wells Fargo Autograph℠ Card
4.3/5



$0
Annual Fee


Intro offer
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening


Rewards

1x – 3x points

Best rewards card for high earning in everyday categories

Wells Fargo Autograph℠ Card
4.3/5



$0
Annual Fee


Intro offer
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening


Rewards

1x – 3x points


$0
Annual Fee
On Wells Fargo’s website

Wells Fargo Autograph℠ Card


Best rewards card for high earning in everyday categories

Details


Rewards
1x – 3x points
Show more


Annual Fee
$0


Intro offer
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
19.99%, 24.99%, or 29.99% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on purchases for 12 months from account opening
Editor’s Rating

4.3/5

Pros & Cons
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Highlights
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Additional Reading
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Best travel rewards card overall

Chase Sapphire Preferred® Card
4.4/5



$95
Annual Fee


Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Best travel rewards card overall

Chase Sapphire Preferred® Card
4.4/5



$95
Annual Fee


Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


$95
Annual Fee
On Chase’s website

Chase Sapphire Preferred® Card


Best travel rewards card overall

Details


Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Annual Fee
$95


Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Recommended Credit
Good to Excellent
Show more


Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating

4.4/5

Show more
Pros & Cons
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Highlights
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Additional Reading
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Best travel rewards card for beginners

Capital One Venture Rewards Credit Card
4.55/5



$95
Annual Fee


Intro offer
75,000 miles after spending $4,000 on purchases within 3 months from account opening


Rewards
Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

Best travel rewards card for beginners

Capital One Venture Rewards Credit Card
4.55/5



$95
Annual Fee


Intro offer
75,000 miles after spending $4,000 on purchases within 3 months from account opening


Rewards
Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.


$95
Annual Fee
On Capital One’s website

Capital One Venture Rewards Credit Card


Best travel rewards card for beginners

Details


Rewards
Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.


Annual Fee
$95


Intro offer
75,000 miles after spending $4,000 on purchases within 3 months from account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
20.74% – 28.74% Variable


Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating

4.55/5

Pros & Cons
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Highlights
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Additional Reading
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Best premium travel card

Capital One Venture X Rewards Credit Card
4.85/5



$395
Annual Fee


Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Best premium travel card

Capital One Venture X Rewards Credit Card
4.85/5



$395
Annual Fee


Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.


$395
Annual Fee
On Capital One’s website

Capital One Venture X Rewards Credit Card


Best premium travel card

Details


Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.


Annual Fee
$395


Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit
Excellent


Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating

4.85/5

Pros & Cons
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Highlights
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Additional Reading
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Best cash-back card for families

Blue Cash Preferred® Card from American Express
3.5/5



$0 intro for the first year, then $95
Annual Fee


Intro offer
$250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening


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

Best cash-back card for families

Blue Cash Preferred® Card from American Express
3.5/5



$0 intro for the first year, then $95
Annual Fee


Intro offer
$250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening


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


$0 intro for the first year, then $95
Annual Fee
On American Express’s website

Blue Cash Preferred® Card from American Express


Best cash-back card for families

Details


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


Annual Fee
$0 intro for the first year, then $95


Intro offer
$250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
18.99% – 29.99% Variable


Intro Annual Percentage Rate (APR)
0% intro APR for 12 months on purchases and balance transfers from the date of account opening
Editor’s Rating

3.5/5

Pros & Cons
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Highlights
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Additional Reading
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Best card for automatically customizing rewards

Citi Custom Cash℠ Card
4/5



$0
Annual Fee


Intro offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening


Rewards
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. Earn unlimited 1% cash back on all other purchases.

Best card for automatically customizing rewards

Citi Custom Cash℠ Card
4/5



$0
Annual Fee


Intro offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening


Rewards
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. Earn unlimited 1% cash back on all other purchases.


$0
Annual Fee
On Citibank’s website

Citi Custom Cash℠ Card


Best card for automatically customizing rewards

Details


Rewards
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. Earn unlimited 1% cash back on all other purchases.


Annual Fee
$0


Intro offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
18.99% – 28.99% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on balance transfers and purchases for 15 months
Editor’s Rating

4/5

Show more
Pros & Cons
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Highlights
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Additional Reading
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Best premium card for travel and dining

Chase Sapphire Reserve®
4.4/5



$550
Annual Fee


Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

Best premium card for travel and dining

Chase Sapphire Reserve®
4.4/5



$550
Annual Fee


Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.


$550
Annual Fee
On Chase’s website

Chase Sapphire Reserve®


Best premium card for travel and dining

Details


Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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


Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening


Recommended Credit
Good to Excellent
Show more


Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating

4.4/5

Show more
Pros & Cons
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Highlights
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Additional Reading
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Best card for earning travel rewards on dining and groceries

American Express® Gold Card
4.3/5



$250
Annual Fee


Intro offer
60,000 Membership Rewards® Points after spending $4,000 on purchases on the Card in the first six months of card membership


Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.

Best card for earning travel rewards on dining and groceries

American Express® Gold Card
4.3/5



$250
Annual Fee


Intro offer
60,000 Membership Rewards® Points after spending $4,000 on purchases on the Card in the first six months of card membership


Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.


$250
Annual Fee
On American Express’s website

American Express® Gold Card


Best card for earning travel rewards on dining and groceries

Details


Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.


Annual Fee
$250
Show more


Intro offer
60,000 Membership Rewards® Points after spending $4,000 on purchases on the Card in the first six months of card membership


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Editor’s Rating

4.3/5

Pros & Cons
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Highlights
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Additional Reading
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Best cash-back card for dining, groceries, and entertainment with no annual fee

Capital One SavorOne Cash Rewards Credit Card
4.15/5



$0
Annual Fee


Intro offer
$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening


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

Best cash-back card for dining, groceries, and entertainment with no annual fee

Capital One SavorOne Cash Rewards Credit Card
4.15/5



$0
Annual Fee


Intro offer
$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening


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


$0
Annual Fee
On Capital One’s website

Capital One SavorOne Cash Rewards Credit Card


Best cash-back card for dining, groceries, and entertainment with no annual fee

Details


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


Annual Fee
$0


Intro offer
$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
19.74% – 29.74% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Editor’s Rating

4.15/5

Pros & Cons
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Highlights
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Additional Reading
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Best card for gas (including EV charging)

U.S. Bank Altitude® Connect Visa Signature® Card
3.9/5



$0 intro for the first year, then $95
Annual Fee


Intro offer
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening


Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.

Best card for gas (including EV charging)

U.S. Bank Altitude® Connect Visa Signature® Card
3.9/5



$0 intro for the first year, then $95
Annual Fee


Intro offer
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening


Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.


$0 intro for the first year, then $95
Annual Fee
On U.S. Bank’s website

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


Best card for gas (including EV charging)

Details


Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.


Annual Fee
$0 intro for the first year, then $95


Intro offer
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening


Recommended Credit
Excellent/Good


Regular Annual Percentage Rate (APR)
20.24% – 28.24% Variable
Editor’s Rating

3.9/5

Pros & Cons
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Highlights
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Additional Reading
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Best card for rotating categories and flexible redemptions

Chase Chase Freedom Flex℠

Chase Freedom Flex℠
4.4/5



$0
Annual Fee


Intro offer
$200 after spending $500 on purchases in the first three months from account opening


Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

Read review

Chase Chase Freedom Flex℠


Best card for rotating categories and flexible redemptions

Chase Freedom Flex℠
4.4/5



$0
Annual Fee


Intro offer
$200 after spending $500 on purchases in the first three months from account opening


Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.


$0
Annual Fee

Read review

Read our complete card review

Chase Freedom Flex℠

Best card for rotating categories and flexible redemptions
Insider’s Take


Details


Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.


Annual Fee
$0


Intro offer
$200 after spending $500 on purchases in the first three months from account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
19.74% – 28.49% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor’s Rating

4.4/5

Pros & Cons
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Highlights
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Additional Reading
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Best card for rotating cash-back categories

Discover it® Cash Back
3.8/5



$0
Annual Fee


Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Best card for rotating cash-back categories

Discover it® Cash Back
3.8/5



$0
Annual Fee


Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.


$0
Annual Fee
On Discover’s website

Discover it® Cash Back


Best card for rotating cash-back categories

Details


Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.


Annual Fee
$0


Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year


Recommended Credit
Good to Excellent
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Regular Annual Percentage Rate (APR)
16.74% – 27.74% Variable


Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on purchases and balance transfers
Editor’s Rating

3.8/5

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Pros & Cons
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Highlights
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Additional Reading
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Best card for choosing your own cash back categories

U.S. Bank Cash+® Visa Signature® Card
4/5



$0
Annual Fee


Intro offer
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening


Rewards
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. Earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. Earn 1% cash back on all other eligible purchases.

Best card for choosing your own cash back categories

U.S. Bank Cash+® Visa Signature® Card
4/5



$0
Annual Fee


Intro offer
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening


Rewards
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. Earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. Earn 1% cash back on all other eligible purchases.


$0
Annual Fee
On U.S. Bank’s website

U.S. Bank Cash+® Visa Signature® Card

Best card for choosing your own cash back categories
Insider’s Take


Details


Rewards
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. Earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. Earn 1% cash back on all other eligible purchases.


Annual Fee
$0


Intro offer
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
19.49% – 29.49% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 billing cycles
Editor’s Rating

4/5

Pros & Cons
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Highlights
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Additional Reading
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Best cash-back card for fair or average credit

Capital One QuicksilverOne Cash Rewards Credit Card
3.1/5



$39
Annual Fee


Intro offer
N/A


Rewards
Earn unlimited 1.5% cash back on all purchase

Best cash-back card for fair or average credit

Capital One QuicksilverOne Cash Rewards Credit Card
3.1/5



$39
Annual Fee


Intro offer
N/A


Rewards
Earn unlimited 1.5% cash back on all purchase


$39
Annual Fee
On Capital One’s website

Capital One QuicksilverOne Cash Rewards Credit Card


Best cash-back card for fair or average credit

Details


Rewards
Earn unlimited 1.5% cash back on all purchase


Annual Fee
$39


Intro offer
N/A


Recommended Credit
Average, Fair and Limited


Regular Annual Percentage Rate (APR)
29.99% Variable
Editor’s Rating

3.1/5

Pros & Cons
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Highlights
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Additional Reading
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Best cash-back card for balance transfers

Citi® Double Cash Card
3.65/5



$0
Annual Fee


Intro offer
0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR


Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Best cash-back card for balance transfers

Citi® Double Cash Card
3.65/5



$0
Annual Fee


Intro offer
0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR


Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


$0
Annual Fee
Apply online at Citibank’s website.

Citi® Double Cash Card


Best cash-back card for balance transfers

Details


Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Annual Fee
$0


Intro offer
0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR


Recommended Credit
Good to Excellent
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Regular Annual Percentage Rate (APR)
18.99% – 28.99% Variable


Intro Annual Percentage Rate (APR)
0% intro APR on balance transfers for 18 months
Editor’s Rating

3.65/5

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Pros & Cons
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Highlights
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Additional Reading
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Best card for earning travel rewards in multiple categories

Citi Premier® Card
4.1/5



$95
Annual Fee


Intro offer
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024


Rewards
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

Best card for earning travel rewards in multiple categories

Citi Premier® Card
4.1/5



$95
Annual Fee


Intro offer
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024


Rewards
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.


$95
Annual Fee
Apply online at Citibank’s website.

Citi Premier® Card


Best card for earning travel rewards in multiple categories

Details


Rewards
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.


Annual Fee
$95


Intro offer
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024


Recommended Credit
Good to Excellent


Regular Annual Percentage Rate (APR)
20.99% – 28.99% Variable
Editor’s Rating

4.1/5

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Pros & Cons
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Highlights
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Additional Reading
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Best for long intro 0% APR on purchases and balance transfers

Wells Fargo Reflect® Card
3.5/5



$0
Annual Fee


Intro offer
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.99% – 29.99% variable APR


Rewards
N/A

Best for long intro 0% APR on purchases and balance transfers

Wells Fargo Reflect® Card
3.5/5