CREDIT CARD
WINNERS for 2021
Best Flat-Rate Cash-Back Credit Card
on Citibank's application
on Citibank's application
$0
1%-5%
Cashback
$200
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
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
$0
1%-5%
Cashback
$200
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
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
$0
1%-5%
Cashback
$200
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
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 methodologyBest Credit Card for Groceries
on American Express' website
on American Express' website
$0 intro annual fee for the first year, then $95.
1%-6%
Cashback
$250
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
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
$0 intro annual fee for the first year, then $95.
1%-6%
Cashback
$250
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
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
$0 intro annual fee for the first year, then $95.
1%-6%
Cashback
$250
Pros
- High rewards rate
- Bonus categories
- Intro APR period
- Cash rewards
Cons
- Has annual fee
- Requires good/excellent credit
- Spending caps on bonus rewards
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
An industry-leading rewards rate at U.S. supermarkets makes it well worth the annual fee. Generous rewards in other categories just add to the appeal.
Read our methodologyBest Bonus Rewards Cash-Back Credit Card
on Chase's website
on Chase's website
$0
1%-5%
Cashback
$200
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- 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 Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
- 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.
- Member FDIC
$0
1%-5%
Cashback
$200
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- 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 Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
- 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.
- Member FDIC
$0
1%-5%
Cashback
$200
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- 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 Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
- 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.
- Member FDIC
Why this Card made the list
You'll get extra cash back in rotating 5% categories and fixed categories like dining and some travel, plus a great bonus offer, for no annual fee.
Read our methodologyBest Bonus Rewards Travel Credit Card
on American Express' website
on American Express' website
$325
1x-4x
Points
60,000
Points
Pros
- Bonus categories
- Transfer partners
- Flexible rewards redemption
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Pros
- Bonus categories
- Transfer partners
- Flexible rewards redemption
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- View Rates and Fees
$325
1x-4x
Points
60,000
Points
Pros
- Bonus categories
- Transfer partners
- Flexible rewards redemption
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Pros
- Bonus categories
- Transfer partners
- Flexible rewards redemption
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- View Rates and Fees
$325
1x-4x
Points
60,000
Points
Pros
- Bonus categories
- Transfer partners
- Flexible rewards redemption
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
Pros
- Bonus categories
- Transfer partners
- Flexible rewards redemption
Cons
- Has annual fee
- Complicated rewards
- Requires good/excellent credit
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- View Rates and Fees
Why this Card made the list
It richly rewards eligible dining, flights and even grocery shopping. Points are highly flexible for travelers, and it’s loaded with useful perks and credits.
Read our methodologyBest Flat-Rate Travel Credit Card
on Capital One's website
on Capital One's website
$95
2x-5x
Miles
75,000
Miles
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
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
$95
2x-5x
Miles
75,000
Miles
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
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
$95
2x-5x
Miles
75,000
Miles
Pros
- High rewards rate
- Flexible rewards redemption
Cons
- Has annual fee
- Requires good/excellent credit
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 methodologyBest 0% Intro APR and Balance Transfer Credit Card
on U.S. Bank's website
on U.S. Bank's website
$0
N/A
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
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
$0
N/A
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
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
$0
N/A
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
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 methodologyBest Credit Card for College Students
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
1%-2%
Cashback
Cashback Match™
Pros
- No annual fee
- Intro APR period
- Qualify with average credit
- Bonus categories
Cons
- Complicated rewards
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
$0
1%-2%
Cashback
Cashback Match™
Pros
- No annual fee
- Intro APR period
- Qualify with average credit
- Bonus categories
Cons
- Complicated rewards
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
$0
1%-2%
Cashback
Cashback Match™
Pros
- No annual fee
- Intro APR period
- Qualify with average credit
- Bonus categories
Cons
- Complicated rewards
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 methodologyBest Credit Card for Dining Out or Ordering In
$0
1x-4x
Points
20,000
Points
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X at grocery stores (excludes discount stores/supercenters and wholesale clubs)
- 2X at gas stations/EV charging stations (excludes discount stores/supercenters and wholesale clubs)
- Points never expire.
- Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
- Terms and conditions apply.
$0
1x-4x
Points
20,000
Points
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X at grocery stores (excludes discount stores/supercenters and wholesale clubs)
- 2X at gas stations/EV charging stations (excludes discount stores/supercenters and wholesale clubs)
- Points never expire.
- Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
- Terms and conditions apply.
$0
1x-4x
Points
20,000
Points
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Intro APR period
Cons
- Complicated rewards
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X at grocery stores (excludes discount stores/supercenters and wholesale clubs)
- 2X at gas stations/EV charging stations (excludes discount stores/supercenters and wholesale clubs)
- Points never expire.
- Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
- Terms and conditions apply.
Why this Card made the list
This card offers what few others can: 4X dining rewards, including takeout and delivery, for no annual fee. It’s also decent for groceries, gas and streaming.
Read our methodologyBest Credit Card for Building Credit
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
1%-2%
Cashback
Cashback Match™
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
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
$0
1%-2%
Cashback
Cashback Match™
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
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
$0
1%-2%
Cashback
Cashback Match™
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
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 ideal features for its category, like no annual fee and automatic reviews for a potential upgrade to an unsecured card. It even earns rewards.
Read our methodologyBest Airline Credit Card
on American Express' website
on American Express' website
$0 intro for the first year, then $150
1x-2x
Miles
50,000
Miles
Pros
- Free checked bag
- Early boarding
- Rewards don't expire
Cons
- Has annual fee
- Requires good/excellent credit
Pros
- Free checked bag
- Early boarding
- Rewards don't expire
Cons
- Has annual fee
- Requires good/excellent credit
- Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates and Fees
$0 intro for the first year, then $150
1x-2x
Miles
50,000
Miles
Pros
- Free checked bag
- Early boarding
- Rewards don't expire
Cons
- Has annual fee
- Requires good/excellent credit
Pros
- Free checked bag
- Early boarding
- Rewards don't expire
Cons
- Has annual fee
- Requires good/excellent credit
- Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates and Fees
$0 intro for the first year, then $150
1x-2x
Miles
50,000
Miles
Pros
- Free checked bag
- Early boarding
- Rewards don't expire
Cons
- Has annual fee
- Requires good/excellent credit
Pros
- Free checked bag
- Early boarding
- Rewards don't expire
Cons
- Has annual fee
- Requires good/excellent credit
- Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates and Fees
Why this Card made the list
Bonus rewards at restaurants and U.S. supermarkets help you rack up miles faster, while a generous checked-bag benefit and other perks make travel easier.
Read our methodologyBest Hotel Credit Card
on Chase's website
on Chase's website
$95
1x-9x
Points
Up to 60,000 Points
Points
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
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
$95
1x-9x
Points
Up to 60,000 Points
Points
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
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
$95
1x-9x
Points
Up to 60,000 Points
Points
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
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 methodologyBest No-Annual-Fee Travel Credit Card
$0
1x-3x
Points
20,000
Points
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
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
$0
1x-3x
Points
20,000
Points
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
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
$0
1x-3x
Points
20,000
Points
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
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
Enjoy excellent bonus rewards across a wide swath of everyday spending categories, in addition to a healthy welcome offer — all at no cost of card ownership.
Read our methodologyBest Small-Business Cash-Back Credit Card
$0 intro for the first year, then $95
2%
Cashback
$500
Pros
- High rewards rate
- No foreign transaction fees
Cons
- Requires good/excellent credit
- High APR
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
$0 intro for the first year, then $95
2%
Cashback
$500
Pros
- High rewards rate
- No foreign transaction fees
Cons
- Requires good/excellent credit
- High APR
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
$0 intro for the first year, then $95
2%
Cashback
$500
Pros
- High rewards rate
- No foreign transaction fees
Cons
- Requires good/excellent credit
- High APR
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
Earn 2% cash back on all purchases with no spending caps or bonus categories to track — ideal for business owners seeking simplicity. There’s a plum bonus, too.
Read our methodologyBest Credit Card for Staying at Home
on Amazon.com's website
on Amazon.com's website
$0
1%-5%
Cashback
$150
Pros
- No annual fee
- High rewards rate
- Flexible rewards redemption
- No foreign transaction fees
- New cardholder bonus offer
Cons
- Must be a member/customer
- No 0% intro APR
Pros
- No annual fee
- High rewards rate
- Flexible rewards redemption
- No foreign transaction fees
- New cardholder bonus offer
Cons
- Must be a member/customer
- No 0% intro APR
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership.
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership.
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
- Earn unlimited 1% back on all other purchases.
- No annual credit card fee.
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day.
- Member FDIC.
$0
1%-5%
Cashback
$150
Pros
- No annual fee
- High rewards rate
- Flexible rewards redemption
- No foreign transaction fees
- New cardholder bonus offer
Cons
- Must be a member/customer
- No 0% intro APR
Pros
- No annual fee
- High rewards rate
- Flexible rewards redemption
- No foreign transaction fees
- New cardholder bonus offer
Cons
- Must be a member/customer
- No 0% intro APR
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership.
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership.
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
- Earn unlimited 1% back on all other purchases.
- No annual credit card fee.
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day.
- Member FDIC.
$0
1%-5%
Cashback
$150
Pros
- No annual fee
- High rewards rate
- Flexible rewards redemption
- No foreign transaction fees
- New cardholder bonus offer
Cons
- Must be a member/customer
- No 0% intro APR
Pros
- No annual fee
- High rewards rate
- Flexible rewards redemption
- No foreign transaction fees
- New cardholder bonus offer
Cons
- Must be a member/customer
- No 0% intro APR
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership.
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership.
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
- Earn unlimited 1% back on all other purchases.
- No annual credit card fee.
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day.
- Member FDIC.
Why this Card made the list
A must-have for Prime members who depend on delivery, it pays 5% back at Amazon and Whole Foods, plus bonus rewards at restaurants, drugstores and gas stations.
Read our methodologyFrequently Asked Questions
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