Best Credit Cards of 2025

Capital One® SavorSM Cash Rewards Credit Card

on Capital One's website

Annual fee

Rewards rate

1%-8%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
View Rates and Fees

Pros

No annual fee
Intro APR period
Bonus categories
No foreign transaction fees

Cons

Requires good/excellent credit

WHY OUR NERDS LOVE IT

This $0-annual-fee card earns an impressive 3% back on dining and at grocery stores, as well as on select streaming and entertainment. You'll also get 5% back on select travel through Capital One. Its flexible redemption options and lack of foreign transaction fees make it a great traveling companion.

BEST ALL-PURPOSE TRAVEL REWARDS CREDIT CARD 2025

Chase Sapphire Preferred® Card

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

100,000

Points

Recommended Credit Score

690-850

(Good - Excellent)

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Member FDIC
View Rates and Fees

Pros

New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners

Cons

Has annual fee
Requires good/excellent credit
Complicated rewards

WHY OUR NERDS LOVE IT

For a modest fee, you’ll get access to rich rewards in many categories, plus multiple transfer partners, an annual hotel credit, anniversary points and a big sign-up bonus.

BEST BALANCE TRANSFER CREDIT CARD 2025

Citi Simplicity® Card

Read review

Annual fee

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

690-850

(Good - Excellent)

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Stay protected with Citi® Quick Lock

Pros

No annual fee
Intro APR period

Cons

No rewards
No new cardholder bonus offer
Requires good/excellent credit

WHY OUR NERDS LOVE IT

This card’s long 0% intro APR on balance transfers (up to 21 months), low transfer fee and lack of late fees make it a standout choice.

BEST CREDIT CARD FOR SIMPLE CASH BACK 2025

Wells Fargo Active Cash® Card

on Wells Fargo's website

Annual fee

Rewards rate

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
View Rates and Fees

Pros

High rewards rate
No annual fee
Intro APR period

Cons

No bonus categories

WHY OUR NERDS LOVE IT

You’ll get 2% cash back on all purchases and a rich sign-up bonus with a single card. That’s market-leading and makes this card a smart one for everyday spending.

BEST CREDIT CARD FOR DINING 2025

Capital One Savor Cash Rewards Credit Card

on Capital One's website

Annual fee

Rewards rate

1%-8%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
View Rates and Fees

Pros

No annual fee
Intro APR period
Bonus categories
No foreign transaction fees

Cons

Requires good/excellent credit

WHY OUR NERDS LOVE IT

Several cards earn 3% back at restaurants, but this one also offers that rate at grocery stores, as well as on entertainment and eligible streaming services. Its lack of an annual fee or foreign transaction fee makes it hard to beat.

BEST CREDIT CARD FOR GROCERIES 2025

Blue Cash Preferred® Card from American Express

on American Express' website

Annual fee

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

Rewards rate

1%-6%

Cashback

Intro offer

$250

Recommended Credit Score

690-850

(Good - Excellent)

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 with a fixed fee. 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% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
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.
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

Pros

High rewards rate
Bonus categories
Intro APR period
Cash rewards

Cons

Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards

WHY OUR NERDS LOVE IT

An industry-leading rewards rate at U.S. supermarkets makes it worth the annual fee. Generous rewards in other categories just add to the appeal. Terms apply.

BEST CREDIT CARD FOR COLLEGE STUDENTS 2025

Discover it® Student Chrome

on Discover's website, or call

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

630-689

(Average)

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. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
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. Activate by mobile app for free.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.
Terms and conditions apply.
View Rates and Fees

Pros

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

Cons

Complicated rewards

WHY OUR NERDS LOVE IT

This card earns solid rewards on gas and restaurants and even comes with a bonus offer for new cardholders. Better yet: You can get approved with no credit history.

BEST CREDIT CARD FOR BUILDING CREDIT 2025

Discover it® Secured Credit Card

on Discover's website, or call

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

300-629

(Poor)

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.
30 points or more—that’s how much you could increase your FICO Credit Score on average after just six months of responsible use.
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. Activate by mobile app for free.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Terms and conditions apply.
View Rates and Fees

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

WHY OUR NERDS LOVE IT

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.

BEST 0% APR CREDIT CARD FOR PURCHASES 2025

Blue Cash Everyday® Card from American Express

on American Express' website

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
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

Pros

No annual fee
High rewards rate
Intro APR period
Bonus categories

Cons

Requires good/excellent credit
Spending caps on bonus rewards

WHY OUR NERDS LOVE IT

With its high cash-back rates on U.S. online retail purchases, this card can help you finance big-ticket items. Plus, you can use your card immediately after approval, making it useful in emergencies. Terms apply.

BEST TRAVEL CREDIT CARD WITH NO ANNUAL FEE 2025

Wells Fargo Autograph® Card

on Wells Fargo's website

Annual fee

Rewards rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

690-850

(Good - Excellent)

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
View Rates and Fees

Pros

No annual fee
Bonus categories
No reward caps
Cell phone insurance
New cardholder bonus offer

Cons

No free checked bags
No free anniversary night
No luxury perks
Requires good/excellent credit

WHY OUR NERDS LOVE IT

This card’s hefty rewards and useful transfer partners give it outsized value for no annual fee. Plus, its lack of foreign transaction fees means it's ideal for international travel.

BEST AIRLINE CREDIT CARD 2025

The New United℠ Explorer Card

Chase United Airlines Mileage Plus Credit Card

on Chase's website

Annual fee

$0 intro for the first year, then $150

Rewards rate

1x-2x

Miles

Intro offer

80,000

Miles

Recommended Credit Score

690-850

(Good - Excellent)

Debut Offer: Earn 80,000 bonus miles
$0 introductory annual fee for the first year, then $150
2x miles on United® purchases, dining, and hotel stays when booked with the hotel
Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
Earn a $100 United travel credit after spending $10,000 on purchases with your United℠ Explorer Card within a calendar year
Over $400 in partner credits each year
Member FDIC
View Rates and Fees

Pros

Bonus categories
Luxury perks
New cardholder bonus offer
Free checked bag

Cons

Has annual fee
Rewards have limited flexibility

WHY OUR NERDS LOVE IT

For a modest fee, this card gives you free checked bags, lounge passes, priority boarding and a credit for TSA PreCheck, Global Entry or NEXUS. Plus, you’ll earn elevated rewards on dining and select travel expenses.

BEST HOTEL CREDIT CARD 2025

Marriott Bonvoy Boundless® Credit Card

on Chase's website

Annual fee

$95

Rewards rate

2x-17x

Points

Intro offer

3 Free Night Awards + 50,000 Points

Points

Recommended Credit Score

690-850

(Good - Excellent)

Earn 3 Free Night Awards (each night valued up to 50,000 points) plus 50,000 bonus points after qualifying purchases.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
Member FDIC
View Rates and Fees

Pros

Anniversary perk
High rewards rate
Automatic elite status

Cons

Has annual fee
Rewards have limited flexibility

WHY OUR NERDS LOVE IT

This card’s bonus categories, free night award and sign-up bonus more than make up for its $95 annual fee. Plus, Marriott’s massive footprint makes it easy to redeem rewards no matter where you’re headed.

BEST SMALL-BUSINESS CREDIT CARD 2025

Ink Business Unlimited® Credit Card

on Chase's website

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Recommended Credit Score

690-850

(Good - Excellent)

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
View Rates and Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

WHY OUR NERDS LOVE IT

Straightforward rewards (1.5% back on all purchases), a long intro APR period, no annual fee and a generous welcome offer make this card an easy choice for any business. The cherry on top: Cash back is earned as Chase Ultimate Rewards®, which makes the benefit more flexible, and potentially more valuable, than rewards from other top-rated business cards.

BEST PREMIUM TRAVEL CREDIT CARD 2025

Capital One Venture X Rewards Credit Card

on Capital One's website

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

720-850

(Excellent)

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
View Rates and Fees

Pros

High rewards rate
New cardholder bonus offer
Lounge membership
Anniversary perk
Flexible rewards redemption

Cons

High annual fee
Requires excellent credit

WHY OUR NERDS LOVE IT

This card’s $395 annual fee is easily offset with a yearly travel credit, anniversary bonus and lounge access. Plus, with 2X miles on most purchases, you’ll easily earn rewards no matter how you spend your money.

BEST CREDIT CARD FOR ENTERTAINMENT 2025

Wells Fargo Attune℠ Card

Read review

Annual fee

Rewards rate

1%-4%

Cashback

Intro offer

$100

Recommended Credit Score

690-850

(Good - Excellent)

Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.
$0 annual fee.
Earn unlimited 4% cash rewards on self-care, select sports, recreation, entertainment and impact purchases including public transportation, and EV charging.
Earn 1% cash rewards on other purchases.
The information related to the Wells Fargo Attune℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

Pros

No annual fee
Bonus categories
New cardholder bonus

Cons

Requires good/excellent credit

WHY OUR NERDS LOVE IT

This card earns a massive 4% back on a wide variety of entertainment expenses, like concerts and sporting events, plus public transportation, secondhand shops and some self-care purchases.

BEST CREDIT CARD FOR STREAMING 2025

Blue Cash Preferred® Card from American Express

on American Express' website

Annual fee

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

Rewards rate

1%-6%

Cashback

Intro offer

$250

Recommended Credit Score

690-850

(Good - Excellent)

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 with a fixed fee. 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% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
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.
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

Pros

High rewards rate
Bonus categories
Intro APR period
Cash rewards

Cons

Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards

WHY OUR NERDS LOVE IT

This card earns a whopping 6% back on select U.S. streaming subscriptions. Plus, the yearly statement credit on the Disney Bundle nearly offsets its $95 annual fee. Terms apply.

BEST CREDIT CARD FOR ONLINE SHOPPING 2025

Blue Cash Everyday® Card from American Express

on American Express' website

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
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

Pros

No annual fee
High rewards rate
Intro APR period
Bonus categories

Cons

Requires good/excellent credit
Spending caps on bonus rewards

WHY OUR NERDS LOVE IT

This card earns an impressive 3% back on U.S. online retail purchases (on up to $6,000 in spending per year), making it a great choice for digital shopping. It also features U.S. supermarkets and U.S. gas stations as bonus categories. Terms apply.