2020's Credit
Card Winners

Play your cards right with 2020's best credit cards – from travel rewards to 0% intro APR offers and more. And while many of the winners are our partners, this didn't influence our decisions or opinions. Our opinions are our own.
Best-Of Awards > Credit Cards

Best Bonus Rewards Cash-Back Credit Card

Discover it® Cash Back
Apply Now

on Discover's website, or call 800-347-0264

Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Rates & Fees
Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad
  • 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.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • 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 18.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
  • View Rates and Fees
Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad
  • 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.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • 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 18.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
  • View Rates and Fees

Why this CARD made the list

This card earns a high rewards rate in popular spending categories that change each quarter. The unique bonus offer can be lucrative, too.

Read our methodology

Best Credit Card for Families

Blue Cash Preferred® Card from American Express
Apply Now

on American Express' website

Rates & Fees
Apply Now

on American Express' website

Rates & Fees
Annual fee

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

Rewards rate

1%-6%

Cashback

Intro offer

$250

Recommended Credit Score

Pros

  • High rewards rate
  • Bonus categories
  • Intro APR period
  • Cash rewards

Cons

  • Has annual fee
  • Requires good/excellent credit
  • Spending caps on bonus rewards
  • Earn a $250 statement credit after you spend $3,000 in eligible 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 18.74% - 29.74%.
  • 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.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
  • View Rates and Fees
Annual fee

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

Rewards rate

1%-6%

Cashback

Intro offer

$250

Recommended Credit Score

Pros

  • High rewards rate
  • Bonus categories
  • Intro APR period
  • Cash rewards

Cons

  • Has annual fee
  • Requires good/excellent credit
  • Spending caps on bonus rewards
  • Earn a $250 statement credit after you spend $3,000 in eligible 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 18.74% - 29.74%.
  • 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.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
  • View Rates and Fees

Why this CARD made the list

This is a great option for grocery-heavy budgets. Plus, you’ll earn rich rewards at U.S. gas stations and on eligible transit and streaming services.

Read our methodology
Information about the Wells Fargo Propel American Express® card may be out of date. This product is not available on NerdWallet.

Best No-Annual-Fee Travel Credit Card

Wells Fargo Propel American Express® Credit Card
Learn more
Rates & Fees
Learn more
Rates & Fees
Annual fee

$0

Rewards rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

Pros

  • No annual fee
  • No foreign transaction fee
  • Intro APR period on Purchases and qualifying Balance Transfers

Cons

  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on popular streaming services
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
Annual fee

$0

Rewards rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

Pros

  • No annual fee
  • No foreign transaction fee
  • Intro APR period on Purchases and qualifying Balance Transfers

Cons

  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on popular streaming services
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions

Why this CARD made the list

This card offers excellent bonus rewards across a wide variety of everyday spending categories, plus a nice welcome offer — all with no card ownership cost.

Read our methodology

Best Flat-Rate Travel Credit Card

Capital One Venture Rewards Credit Card
Apply Now

on Capital One's website

Rates & Fees
Apply Now

on Capital One's website

Rates & Fees
Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

Pros

  • High rewards rate
  • Flexible rewards redemption

Cons

  • Has annual fee
  • Requires good/excellent credit
  • 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, vacation rentals 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 $120 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
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • View Rates and Fees
Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

Pros

  • High rewards rate
  • Flexible rewards redemption

Cons

  • Has annual fee
  • Requires good/excellent credit
  • 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, vacation rentals 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 $120 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
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • View Rates and Fees

Why this CARD made the list

This card earns a high rewards rate on every purchase, and those rewards are flexible and easy to use. Redeem them for virtually any kind of travel expense.

Read our methodology

Best Flat-Rate Cash-Back Credit Card

Citi® Double Cash Card
Apply Now

on Citibank's application

Rates & Fees
Apply Now

on Citibank's application

Rates & Fees
Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • No intro APR period on purchases
  • 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • View Rates and Fees
Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • No intro APR period on purchases
  • 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • View Rates and Fees

Why this CARD made the list

With a two-part rewards system that delivers one of the best cash-back rates on the market, it's a reliable and valuable option for everyday spending.

Read our methodology
Information about the Capital One Savor Cash Rewards Credit Card (no longer available) may be out of date. This product is not available on NerdWallet.

Best Credit Card for Dining and Entertainment

Capital One Savor Cash Rewards Credit Card
Learn more
Learn more
Annual fee

$95

Rewards rate

1%-8%

Cashback

Intro offer

$300

Recommended Credit Score

Pros

  • No foreign transaction fee
  • Rich rewards on dining, entertainment
  • Broad definition of entertainment
  • Generous sign-up bonus

Cons

  • Has annual fee
  • High APR, no 0% intro period
  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • No foreign transaction fees.
  • Capital One cardholders get access to premium experiences in dining, entertainment and more.
  • As of July 16, 2024, the Capital One Savor Cash Rewards Credit Card is no longer accepting applications, according to Capital One. Existing cardholders can continue using the card.
  • Information for this card not reviewed by or provided by Capital One.
Annual fee

$95

Rewards rate

1%-8%

Cashback

Intro offer

$300

Recommended Credit Score

Pros

  • No foreign transaction fee
  • Rich rewards on dining, entertainment
  • Broad definition of entertainment
  • Generous sign-up bonus

Cons

  • Has annual fee
  • High APR, no 0% intro period
  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • No foreign transaction fees.
  • Capital One cardholders get access to premium experiences in dining, entertainment and more.
  • As of July 16, 2024, the Capital One Savor Cash Rewards Credit Card is no longer accepting applications, according to Capital One. Existing cardholders can continue using the card.
  • Information for this card not reviewed by or provided by Capital One.

Why this CARD made the list

It’s a great fit for foodies and fun-lovers, not just because of its high rewards rates, but also for its broad definitions of “dining” and “entertainment.”

Read our methodology

Best Bonus Rewards Travel Credit Card

Chase Sapphire Reserve Credit Card
Apply Now

on Chase's website

Rates & Fees
Apply Now

on Chase's website

Rates & Fees
Annual fee

$550

Rewards rate

1x-10x

Points

Intro offer

60,000

Points

Recommended Credit Score

Pros

  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage

Cons

  • High annual fee
  • Requires excellent credit
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $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.
  • 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, 2027.
  • 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
Annual fee

$550

Rewards rate

1x-10x

Points

Intro offer

60,000

Points

Recommended Credit Score

Pros

  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage

Cons

  • High annual fee
  • Requires excellent credit
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $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.
  • 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, 2027.
  • 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

Why this CARD made the list

This card offers sweet ongoing rewards and perks, plus practical long-term value like a yearly $300 travel credit that pays back a big chunk of its annual fee.

Read our methodology

Best Premium Credit Card

The Platinum Card® from American Express
Apply Now

on American Express' website

Rates & Fees
Apply Now

on American Express' website

Rates & Fees
Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

80,000

Points

Recommended Credit Score

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Lounge membership
  • Automatic elite status

Cons

  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • 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 through American Express Travel using 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.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $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: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 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.
  • 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.
  • View Rates and Fees
Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

80,000

Points

Recommended Credit Score

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Lounge membership
  • Automatic elite status

Cons

  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • 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 through American Express Travel using 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.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $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: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 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.
  • 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.
  • View Rates and Fees

Why this CARD made the list

The annual fee is high, but it unlocks wide-ranging perks like travel credits, exclusive services, airport lounge access, hotel benefits and much more.

Read our methodology

Best Hotel Credit Card

World Of Hyatt Credit Card
Apply Now

on Chase's website

Rates & Fees
Apply Now

on Chase's website

Rates & Fees
Annual fee

$95

Rewards rate

1x-9x

Points

Intro offer

Up to 60,000 Points

Points

Recommended Credit Score

Pros

  • New cardholder bonus offer
  • Automatic free night annually
  • Bonus categories
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Limited redemptions
  • Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC
Annual fee

$95

Rewards rate

1x-9x

Points

Intro offer

Up to 60,000 Points

Points

Recommended Credit Score

Pros

  • New cardholder bonus offer
  • Automatic free night annually
  • Bonus categories
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Limited redemptions
  • Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC

Why this CARD made the list

The card earns solid rewards and is packed with perks, including a free night every year and a chance to earn a second one, on top of a valuable sign-up bonus.

Read our methodology

Best Airline Credit Card

Chase United Airlines Mileage Plus Credit Card
Apply Now

on Chase's website

Rates & Fees
Apply Now

on Chase's website

Rates & Fees
Annual fee

$0 intro for the first year, then $95

Rewards rate

1x-2x

Miles

Intro offer

50,000

Miles

Recommended Credit Score

Pros

  • Bonus categories
  • Luxury perks
  • New cardholder bonus offer
  • Free checked bag

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Member FDIC
Annual fee

$0 intro for the first year, then $95

Rewards rate

1x-2x

Miles

Intro offer

50,000

Miles

Recommended Credit Score

Pros

  • Bonus categories
  • Luxury perks
  • New cardholder bonus offer
  • Free checked bag

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Member FDIC

Why this CARD made the list

Even occasional United flyers can benefit from perks like free checked bags, priority boarding and lounge passes. Its bonus categories are also practical.

Read our methodology

Best 0% Intro APR Credit Card

US Bank Visa Platinum Credit Card
Apply Now

on U.S. Bank's website

Rates & Fees
Apply Now

on U.S. Bank's website

Rates & Fees
Annual fee

$0

Rewards rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Cell phone insurance

Cons

  • No rewards
  • Requires good/excellent credit
  • No bonus offer
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
  • 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 your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule.
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates and Fees
Annual fee

$0

Rewards rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Cell phone insurance

Cons

  • No rewards
  • Requires good/excellent credit
  • No bonus offer
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
  • 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 your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule.
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates and Fees

Why this CARD made the list

This card features a lengthy interest-free promo period, making it ideal for financing a big purchase or paying off debt. It also offers cell phone insurance.

Read our methodology

Best Credit Card for College Students

Discover it® Student chrome
Apply Now

on Discover's website, or call 800-347-0264

Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Rates & Fees
Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Qualify with average credit
  • Bonus categories

Cons

  • Complicated rewards
  • 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! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to 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.
  • 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 17.74% - 26.74% applies.
  • Terms and conditions apply.
  • View Rates and Fees
Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Qualify with average credit
  • Bonus categories

Cons

  • Complicated rewards
  • 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! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to 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.
  • 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 17.74% - 26.74% applies.
  • Terms and conditions apply.
  • View Rates and Fees

Why this CARD made the list

Earn bonus rewards on gas and at restaurants — no category tracking required — plus a unique cash-back match at the end of your first year.

Read our methodology
Information about the Deserve® EDU Mastercard for Students may be out of date. This product is not available on NerdWallet.

Best Credit Card for International Students

Deserve® Edu Mastercard for Students
Learn more
Rates & Fees
Learn more
Rates & Fees
Annual fee

$0

Rewards rate

1%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • Qualify with limited/bad credit
  • Reports to the three major credit bureaus
  • No foreign transaction fees

Cons

  • High APR
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $69).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Annual fee

$0

Rewards rate

1%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • Qualify with limited/bad credit
  • Reports to the three major credit bureaus
  • No foreign transaction fees

Cons

  • High APR
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $69).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

Why this CARD made the list

It offers rewards and perks, with no credit history or security deposit required. International students don't even need a Social Security number to apply.

Read our methodology

Best Credit Card for Building Credit

Discover it® Secured Credit Card
Apply Now

on Discover's website, or call 800-347-0264

Rates & Fees
Apply Now

on Discover's website, or call 800-347-0264

Rates & Fees
Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Qualify with limited/bad credit
  • Earns rewards
  • New cardholder bonus offer

Cons

  • Requires minimum deposit
  • High APR
  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Raise your credit score by 30+ points.
  • 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • 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 an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
  • View Rates and Fees
Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Qualify with limited/bad credit
  • Earns rewards
  • New cardholder bonus offer

Cons

  • Requires minimum deposit
  • High APR
  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Raise your credit score by 30+ points.
  • 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • 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 an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
  • View Rates and Fees

Why this CARD made the list

This card offers rare features for its category, like rewards, no annual fee and the potential for an upgrade to an unsecured card after eight months.

Read our methodology
Information about the Capital One Spark Cash for Business may be out of date. This product is not available on NerdWallet.

Best Small-Business Cash-Back Credit Card

Capital One Spark Cash Credit Card
Learn more
Rates & Fees
Learn more
Rates & Fees
Annual fee

$0 intro for the first year, then $95

Rewards rate

2%

Cashback

Intro offer

$500

Recommended Credit Score

Pros

  • High rewards rate
  • No foreign transaction fees

Cons

  • Requires good/excellent credit
  • High APR
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Annual fee

$0 intro for the first year, then $95

Rewards rate

2%

Cashback

Intro offer

$500

Recommended Credit Score

Pros

  • High rewards rate
  • No foreign transaction fees

Cons

  • Requires good/excellent credit
  • High APR
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Why this CARD made the list

It offers 2% cash back on all purchases with no spending caps or bonus categories to track — ideal for those seeking simplicity. There’s a plum bonus, too.

Read our methodology

Best Small-Business Travel Credit Card

The Business Platinum Card® from American Express
Apply Now

on American Express' website

Rates & Fees
Apply Now

on American Express' website

Rates & Fees
Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Recommended Credit Score

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $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 the Card.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
  • View Rates and Fees
Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Recommended Credit Score

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $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 the Card.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
  • View Rates and Fees

Why this CARD made the list

Though the card’s annual fee is high, its perks are generous — from travel credits and redemption bonuses to airport lounge access and hotel status.

Read our methodology
Information about the Capital One® Walmart Rewards™ Mastercard® may be out of date. This product is not available on NerdWallet.

Best Store Credit Card

Capital One® Walmart Rewards™ Mastercard®
Learn more
Learn more
Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • Limited rewards for in-store shopping
  • No intro APR period
  • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart.
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver.
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted.
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval.
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more.
  • $0 annual fee.
  • No foreign transaction fees.
Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • Limited rewards for in-store shopping
  • No intro APR period
  • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart.
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver.
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted.
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval.
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more.
  • $0 annual fee.
  • No foreign transaction fees.

Why this CARD made the list

It offers some of the richest and most flexible rewards of any store credit card, which works out well given that Walmart sells nearly everything.

Read our methodology
Information about the ABOC Platinum Rewards Mastercard® Credit Card may be out of date. This product is not available on NerdWallet.

Best Credit Card for Fair Credit

ABOC Platinum Rewards
Learn more
Learn more
Annual fee

$0

Rewards rate

1x-5x

Points

Intro offer

150

Points

Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period

Cons

  • Requires excellent credit
  • Rewards have limited flexibility
  • Complicated rewards
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
Annual fee

$0

Rewards rate

1x-5x

Points

Intro offer

150

Points

Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period

Cons

  • Requires excellent credit
  • Rewards have limited flexibility
  • Complicated rewards
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way

Why this CARD made the list

It offers perks not often found on cards for fair credit, like rotating rewards categories, a sign-up bonus and a 0% intro APR period.

Read our methodology
Information about the Amex EveryDay® Credit Card may be out of date. This product is not available on NerdWallet.

Best Balance-Transfer Credit Card

American Express Amex EveryDay Credit Card
Learn more
Learn more
Annual fee

$0

Rewards rate

1x-2x

Points

Intro offer

10,000

Points

Recommended Credit Score

Pros

  • Decent rewards rate
  • No annual fee

Cons

  • Foreign transaction fee
  • Longer 0% intro APRs available elsewhere
  • Higher rewards available elsewhere
  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • No Annual Fee.
  • Terms Apply.
  • Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.
Annual fee

$0

Rewards rate

1x-2x

Points

Intro offer

10,000

Points

Recommended Credit Score

Pros

  • Decent rewards rate
  • No annual fee

Cons

  • Foreign transaction fee
  • Longer 0% intro APRs available elsewhere
  • Higher rewards available elsewhere
  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • No Annual Fee.
  • Terms Apply.
  • Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.

Why this CARD made the list

It’s light on fees and heavy on debt-zapping features. Unlike some cards in its class, it earns rewards, so it may be worth using even after debt is paid off.

Read our methodology
To view rates and fees of the Amex EveryDay® Credit Card, please visit this page.
Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.

Best Gas Credit Card

Ducks Unlimited Rewards Visa® Card
Learn more
Learn more
Annual fee

$0

Rewards rate

1.5%-3%

Cashback

Intro offer

$35

Recommended Credit Score

Pros

  • No annual fee
  • No reward caps

Cons

  • No bonus offer
  • No 0% intro APR
  • With the Ducks Unlimited Visa Card, you earn points on every purchase you make. Plus, a portion of your purchases will go to funding wetlands and waterfowl conservation efforts.
  • Get a one-time $35 statement credit to cover the cost of your Ducks Unlimited membership when you make your first purchase during the first 3 bill cycles after account opening, with the Ducks Unlimited Visa Card.
  • Earn 3% back on Ducks Unlimited purchases for the first $10,000 during each 12 consecutive billing cycle after account opening.
  • Earn unlimited 1.5% back on everyday purchases.
Annual fee

$0

Rewards rate

1.5%-3%

Cashback

Intro offer

$35

Recommended Credit Score

Pros

  • No annual fee
  • No reward caps

Cons

  • No bonus offer
  • No 0% intro APR
  • With the Ducks Unlimited Visa Card, you earn points on every purchase you make. Plus, a portion of your purchases will go to funding wetlands and waterfowl conservation efforts.
  • Get a one-time $35 statement credit to cover the cost of your Ducks Unlimited membership when you make your first purchase during the first 3 bill cycles after account opening, with the Ducks Unlimited Visa Card.
  • Earn 3% back on Ducks Unlimited purchases for the first $10,000 during each 12 consecutive billing cycle after account opening.
  • Earn unlimited 1.5% back on everyday purchases.

Why this CARD made the list

This card offers some of the highest rewards you’ll find on gas and at sporting goods stores, with no annual fee or membership required.

Read our methodology

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Frequently Asked Questions