Top Cash-Back Credit Cards
Best Cash Back, Best No Annual Fee Card
Chase Freedom Flex℠
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5X Reward Rate
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More
Welcome Bonus
$200 bonus
Annual Fee
$0
Regular APR
18.74% - 27.49% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.
Pros & Cons
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
Card Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 27.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Top 0% APR Credit Cards
Best 0% APR and Best Flat Rate Cash Back
Wells Fargo Active Cash® Card
On Wells Fargo's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Unlimited 2% Rewards Rate
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
$200 Cash Rewards
Annual Fee
$0
Regular APR
18.74%, 23.74%, or 28.74% variable APR
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.
Pros & Cons
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Cell phone protection benefit
- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Card Details
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Top Travel Rewards Credit Cards
Best Flexible Rewards Card
Capital One Venture X Rewards Credit Card
Apply Now
On Capital One's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases and 5 miles per dollar on flights and 10 miles perRead More
Welcome Bonus
75,000 miles
Annual Fee
$395
Regular APR
19.99% - 26.99% (Variable)
Credit Score
Excellent(750 - 850)
Why We Picked It
Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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 our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- 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
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Entry Level Travel Card
Chase Sapphire Preferred® Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plusRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$95
Regular APR
19.74% - 26.74% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through Chase
Card Details
- 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 Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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.
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 Ultimate Rewards®.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 10x Reward Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$550
Regular APR
20.74% - 27.74% Variable
Credit Score
Excellent(750 - 850)
Why We Picked It
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points transfer to valuable airline and hotel partners
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
Card Details
- 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 Ultimate Rewards®
- $300 Annual Travel Credit as reimbursem*nt 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 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
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. 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
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 Ultimate Rewards®
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Luxury Travel and Lifestyle Benefits
The Platinum Card® from American Express
On American Express's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
5X Reward Rate
Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards perRead More
Welcome Bonus
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card's staggering annual fee is well justified.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- Very high annual fee
- Maximizing the statement credits takes some work and could be unworkable for many
- Reward rate outside of travel is sub-par for a premium card
Card Details
- Earn 80,000 Membership Rewards® points after you spend $6,000 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.
- Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peaco*ck, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership 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 Ups are excluded.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $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.
- Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
- Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
- $695 annual fee.
- Terms Apply.
Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Airline Credit Cards
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 4X Reward Rate
Earn 4 miles per $1 spent on United® purchases; Earn 2 miles per $1 spent on all other travel andRead More
Welcome Bonus
100,000 bonus miles
Annual Fee
$525
Regular APR
20.24% - 27.24% Variable
Credit Score
Excellent(750 - 850)
Why We Picked It
United's top-tier card offering ups its game with 4 miles per dollar earnings on United purchases. A suite of travel perks makes the card an even better value, with the United Club membership alone worth more than the annual fee.
Pros & Cons
- No foreign transaction fee
- United Club membership is worth more than the annual fee
- First and second checked bag free when you pay for your flight with your card
- Very high annual fee
- No intro APR offer
- High regular APR
Card Details
- Earn 100,000 bonus miles.
- Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining including eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, andRead More
Welcome Bonus
70,000 points
Annual Fee
$95
Regular APR
20.24% - 27.24% Variable
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
The solid reward-earning potential of the Aeroplan® Credit Card makes the card an excellent option for those loyal Air Canada passengers who also regularly spend on food and travel.
Pros & Cons
- Excellent rewards earning
- No foreign transaction fees
- Travel benefits including perks for Air Canada flyers
- $95 annual fee
- Lacks non-travel related benefits
Card Details
- Earn 70,000 points after you spend $3,000 on purchases in the first 3 months.
- $95 Annual Fee
- Earn 3x points for each dollar spent on grocery stores, dining at restaurants, and Air Canada directly.
- No foreign transaction fees.
- Free first checked bag.
- 500 bonus points for every $2,000 you spend in a calendar month.
- Earn 1x points for each dollar spent on all other purchases.
Earn 70,000 points after you spend $3,000 on purchases in the first 3 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Top Hotel Credit Cards
Best Hotel Card
Hilton Honors Aspire Card from American Express *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 14X Reward Rate
Earn 14X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 7XRead More
Welcome Bonus
Earn 150,000 points
Annual Fee
$450
Regular APR
19.99% to 28.99% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
The flagship card from Hilton, the Hilton Honors Aspire Card from American Express comes with a price tag to match its top-tier status and perks. It's a perfect fit for big spenders who haunt Hilton properties enough to leverage the rich suite of benefits that come with the complimentary Diamond status.
Pros & Cons
- Complimentary Priority Pass Select membership with enrollment
- Up to $600 in statement credits
- Instant Hilton Diamond status with rich set of benefits
- High annual fee with no first-year waiver
- High regular APR and penalty APR
- No intro APR offer
- Points have a lower value than most rewards programs
Card Details
- Earn 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within your first 3 months of card membership.
- Earn 14X Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio.
- Earn 7X Hilton Honors bonus points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants.
- Earn 3X Hilton Honors bonus points on other eligible purchases.
- $250 Hilton Resort credit: With your Hilton Honors American Express Aspire Card, enjoy up to $250 in statement credits each year of card membership for eligible purchases at participating Hilton Resorts.
- Hilton Honors Diamond status. With your Hilton Honors Aspire Card, you can enjoy complimentary Diamond status which includes even more perks from Hilton, such as 100% extra bonus points on all base points you earn, room upgrades, and more.
- Free night reward. Enjoy night one reward night with your new Hilton Honors American Express Aspire card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your card in a calendar year.
- $250 airline fee credit. With the Hilton Honors Aspire Card you can also take advantage of the $250 airline fee credit for incidental charges that are charged by the airline to your card account.
Read our review of the Hilton Honors Aspire Card from American Express
Earn 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within your first 3 months of card membership
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Mid-Tier Hotel Card
Hilton Honors American Express Surpass® Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 12X Reward Rate
Earn 12X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 6XRead More
Welcome Bonus
Earn 130,000 bonus points
Annual Fee
$95
Regular APR
19.99% - 28.99% variable
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
For a modest $95 annual fee, Hilton's mid-level Card delivers remarkable value for those traveling several times per year. The 10 annual Priority Pass visits given with this card once enrolled are worth $299, plus you'll earn Hilton Honors Gold status.
Pros & Cons
- Complimentary elite Gold status
- 10 complimentary Priority Pass Lounge visits each anniversary year
- No foreign transaction fees
- Annual fee
- Earning a Free Night Reward requires $15,000 in annual spending
- Points have a low redemption value aside from Hilton properties
Card Details
- Earn 130,000 Hilton Honors bonus points after spending $2,000 in purchases in the first 3 months of opening the account.
- Earn a Free Night Reward from Hilton Honors after spending $15,000 on purchases on the card in a calendar year.
- Earn 12X Hilton Honors bonus points for each dollar spent on eligible purchases at hotels and resorts within the Hilton portfolio, 6X Hilton Honors bonus points for each dollar spent at U.S. restaurants, U.S. supermarkets, and at U.S. gas stations and 3X Hilton Honors Bonus Points for all other eligible purchases.
- Spend $40,000 on eligible purchases on the card in a calendar year and earn Hilton Honors Diamond status through the end of the next calendar year.
- $95 annual fee
- Terms Apply.
Read our review of the Hilton Honors Surpass® By American Express
Earn 130,000 bonus points after you spend $2,000 in purchases in the first 3 months of card membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Student Credit Cards
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 5% Reward Rate
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stationsRead More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
16.74% - 25.74% Variable APR *Rates as of December 15, 2022
Credit Score
Fair/New to Credit
Why We Picked It
Here's an excellent way for students with average or limited credit scores to gain experience managing credit. No annual fee, no penalty APR, plus up to 5% cashback rewards in rotating categories (up to a quarterly cap with enrollment, 1% back on other purchases) earn this card an "A" in our book.
Pros & Cons
- 5% cashback on rotating bonus categories after enrollment
- First-year cash-back match
- 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate
Card Details
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% – 25.74% applies. Rates as of December 15, 2022.
- Click “Apply Now” to see terms and conditions.
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Balance Transfer Credit Cards
Best Balance Transfer For Long Payment Window
Wells Fargo Reflect® Card
On Wells Fargo's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
16.74% - 28.74% variable APR
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
Those seeking a balance transfer card will likely appreciate that the Wells Fargo Reflect Card offers a generous introductory APR period on purchases and qualifying balance transfers. However, the card doesn’t offer rewards or other notable benefits, so give it a pass if you don’t need a long introductory APR period.
Pros & Cons
- Generous introductory APR period for purchases and qualifying balance transfers
- $0 Annual Fee
- No rewards program or welcome bonus
- Balance transfer fee
- Foreign transaction fee
Card Details
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
- $0 Annual Fee
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account creditwhenyou shop, dine, or enjoy an experience simply by usingan eligibleWells Fargo credit card.
- Select “Apply Now” to learn more about the product features, terms and conditions
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Cards With Category Bonuses
Best for Amazon
Amazon Prime Rewards Visa Signature Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 5% Back at Amazon.com and Whole Foods Market; Earn 2% Back at restaurants, gas stations, and drugstores; Earn 1%Read More
Welcome Bonus
Amazon gift card
Annual Fee
$0 with Prime membership
Regular APR
17.99% to 25.99% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
For existing Prime members who frequently shop at Amazon and Whole Foods, the 5% rewards rate is stellar. To further sweeten the deal, theAmazon Prime Rewards Visa Signature Card offers a2% rewards category plus Visa Signature benefits.
Pros & Cons
- Earn an Amazon Gift Card Bonus without a spending requirement
- No foreign transaction fee
- Unlimited 5% back at Amazon and Whole Foods
- Visa Signature benefits
- 5% back excludes non-U.S. Amazon sites
- APR can be high, depending on your creditworthiness
- Outside of Amazon family spending, the rewards can be bested by other cards
Card Details
- Get an Amazon gift card instantly upon approval
- Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations, and drugstores and earn 1% back on all other purchases
- No minimum rewards balance required to redeem
- Use Amazon Rewards to pay for all or part of your purchase
- Visa Signature Concierge service
Get an Amazon gift card instantly upon approval
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best For Groceries
Blue Cash Preferred® Card from American Express
On American Express's Website
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 6% Reward Rate
Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cashRead More
Welcome Bonus
Earn $250
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
18.24%-29.24% Variable
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
Big spenders at US supermarkets and road warriors who frequently spend at US gas stations or transit like taxis, rideshares or transit can rack up impressive cash back rewards.
Pros & Cons
- High cash-back rewards in several categories of spending
- No enrollment is required, cash back is automatic
- Comes with several travel benefits and protections
- Charges an annual fee
- 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%)
Card Details
- 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 after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24%
- 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.
- Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Top Credit Cards for Customers With Bad or No Credit
Best for Bad Credit
Petal® 1 “No Annual Fee” Visa® Credit Card
Apply Now
On Petal's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Petal's Website
Up to 10% Cash Back
2%-10% cash back at select merchants
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
23.74% - 33.24% (Variable)
Credit Score
Fair/Bad
Why We Picked It
Those whose credit score is less than perfect may be able to build a stronger credit profile by using the Petal 1 Visa Credit Card responsibly. It’s one of a tiny batch of credit cards aimed at those without great credit that don’t require an upfront security deposit.
Pros & Cons
- No security deposit required
- No annual fee
- Limited rewards program
- Rewards only available at select merchants
- No balance transfer option available
Card Details
- $0 Annual Fee
- Variable APRs range from 23.74% – 33.24%
- $300 – $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- 2% – 10% cash back at select merchants
- See if you’re pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 2% Reward Rate
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earnRead More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
26.74% Variable APR *Rates as of December 15, 2022
Credit Score
New/Rebuilding Credit
Why We Picked It
In the secured credit world, the Discover it® Secured Credit Card stands above the competition. With an unlimited 1% cash back rate on all purchases, plus 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, no penalty APR and no annual fee, we love this card for those who need to rebuild their credit. The matching cash back reward at the end of your first year is a sweet bonus.
Pros & Cons
- No annual fee
- Cash back rewards earning is uncommon for a secured card
- Free FICO score access each month
- Cashback Match doubles cash back rewards earning at the end of the first year
- Rewards are capped
- Secured cards don’t provide many of the perks unsecured cards do
- Secured cards require refundable deposits
Card Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click “Apply Now” to see terms and conditions.
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
