When searching for rewards credit cards, it’s essential to consider several key factors to ensure you select the best option for your financial needs and lifestyle.
Start by evaluating the types of rewards offered, such as cashback, travel points, or retail discounts, and determine which aligns with your spending habits. Pay attention to the earning rates and any bonus categories that might maximize your rewards potential. Additionally, consider the card’s annual fee and whether the benefits and rewards outweigh this cost. Look for introductory offers, such as sign-up bonuses or 0% APR periods, which can provide significant initial value.
Finally, review the card’s terms and conditions, including any restrictions or expiration dates on rewards, to ensure you can fully utilize the benefits offered. Our true comparisons & industry-standard reviews can help you make the smartest decision.
BEST CARDS BALANCE TRANSFER 0% INTRO APR TRAVEL CASH BACK NO ANNUAL FEE STUDENTBest Rewards Credit Cards of 2026 (Updated April 2026)
Best for: Best all-in-one cash rewards card
Smartfinancialways rating
4.9/5
Annual fee
$0
Rewards rate
1.5% – 5% cash back
5% on travel, 3% on dining, & 1.5% on all other
Intro offer
Upto $250 bonus
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
18.24% – 27.74% Variable APR
Card rewards breakdown
- Cash back on travel purchased through Chase Travel℠.
- Cash back on drugstore purchases.
- Cash back on dining at restaurants, including takeout.
- Cash back on eligible delivery services.
- Cash back on all other purchases.
Card details
Chase Freedom Unlimited® Credit Card Fees
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.
- Balance Transfers: Intro fee of either $5 or 3% of the amount of each transferred made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer.
- Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater.
- Foreign Transactions: 3% of the amount of each transaction in U.S. dollars.
Intro & Regualar APRs
- Purchases: 0% Intro APR for 15 months from account opening; After that, 18.24% to 27.74%, based on your creditworthiness and other factors.
- Balance Transfer: 0% Intro APR for 15 months from account opening; After that, 18.24% to 27.74%, based on your creditworthiness and other factors.
- My Chase Loan APR: 18.24% to 27.74%, based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate.
- Cash Advances: 28.49%. This APR will vary with the market based on the Prime Rate.
Chase Freedom Unlimited® Cash Back Rewards
- For Limited time: Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 3% on dining at restaurants, including takeout and eligible delivery services.
- Earn 3% on drugstore purchases.
- Earn 5% on travel purchased through Chase Travel.
- Cash Back rewards do not expire as long as your account is open. And there is no minimum to redeem for cash back.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- Shop with points at Amazon: Instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout.
- Gift cards: Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.
- Travel: Book your travel with Chase TravelSM for competitive rates and flexible ways to pay.
Chase Freedom Unlimited® Benefits
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less.
- Trip Cancellation and Interruption Insurance: You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short.
- 24/7 Fraud Monitoring: We help safeguard your credit card purchases using sophisticated fraud monitoring.
- Auto Rental Coverage: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles.
- Travel and Emergency Assistance: If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services.
- Redeem for cash back: There is no minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- Shop with points at Amazon: Link your Chase Freedom Unlimited card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping.
- Gift cards: Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.
- Travel: Book your travel with Chase TravelSM for competitive rates and flexible ways to pay.
- Eligible Chase credit card customers are targeted with cash back offers in the Chase Mobile app or on chase.com.
- DOORDASH: Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders.
- Lyft: Earn 2% total cash back on Lyft rides with your Freedom Unlimited card through September 30, 2027.
- Apply for a card, use it the same day: Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay™ or Samsung Pay.
- Keep tabs on your credit score for free: Get your credit score, customized score improvement plans provided by Experian™, and identity monitoring – all for free.
- Chase Pay Over Time* lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:
- After purchase: Pay off an eligible purchase you’ve already made of $100 or more* in smaller, equal monthly payments. No interest – just a fixed monthly fee with plan durations that range from 3-24 months.
- At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more at amazon.com could be eligible for Chase Pay Over Time.
- Earn upto $500 cash back per year: You can earn $50 cash back for each friend who gets any participating Chase Freedom® credit card.
- Member FDIC
Service & protection
Redeem Cash Back Rewards
Chase Offers
Partner Benefits
Account Management
Chase Pay Over Time
Refer a friend
Smartfinancialways insight
The Chase Freedom Unlimited® stands out as a unique cash back card that not only features appealing bonus categories—specifically restaurants, drugstores, and travel booked via Chase—but also provides over 1% cash back on purchases made outside these areas. Additionally, its bonus offer and introductory APR period enhance its attractiveness for larger purchases. If the bonus categories align with your spending habits, it serves as an excellent card for everyday use.
Pros- No minimum to redeem for cash back
- High rewards rate
- 0% intro APR for 15 months on purchases
- 0% intro APR for 15 months on balance transfers
- It could offer much better long-term value than the typical no-annual fee rewards card, especially for frequent travelers
- No annual fee ever
- Most of the times requires excellent to good credit
- A few other cards offer a higher flat cash back rate (2 percent on all purchases), so they could prove more beneficial if you don’t spend much on travel or dining
Other choices
- The Wells Fargo Active Cash® Card
- The Citi Double Cash® Card
- The Capitol One Quicksilver® Cash Rewards Credit Card
Best for: High flat-rate cash back + long intro APR on balance transfers
Smartfinancialways rating
4.8/5
Annual fee
$0
Rewards rate
2% – 5%
Cashback
Intro offer
$200 cash back
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
No Caps & No Category Restrictions
No need to enroll or categories to keep track of
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Regular APR
17.49% – 27.49% Variable APR
Card rewards breakdown
- Cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
- Unlimited cash back: 1% when you buy, 1% as you pay for those purchases.
- Special Travel Offer: Cash back on hotel, car rental & attractions when you booked on Citi Travel ℠portal through 12/31/2025.
- Intro APR for 18 months on balance transfers.
Card details
Fees
- Annual fee none.
- Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 4 months of account opening. After that, your fee will be either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction fee: 3% of each purchase transaction in U.S. dollars.
Intro & Regular APRs
- Purchases: 17.49% to 27.49%, based on your creditworthiness.
- Balance Transfer: 0% introductory APR for 18 months from date of account opening when transfers are completed within 4 months from date of account opening. After that, your APR will be 17.49% to 27.49%, based on your creditworthiness.
- Cash Advances is 29.74%. This APR will vary with the market based on the Prime Rate.
- Citi Flex Plans is 17.49% to 27.49%, based on your creditworthiness.
- Penalty APR and When it Applies: Up to 29.99%, based on your creditworthiness.
Cash Back and Rewards
- 2% unlimited cash back: 1% when you buy, 1% as you pay.
- Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel℠.
- 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.
- Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 1 ThankYou® point per $1 spent on purchases and an additional ThankYou® point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
- Plus: Earn additional 3 points for every $1 spent on hotels, car rentals, and attractions booked with Citi Travel.
- Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.com.
- No Caps and No Category Enrollment: Citi Double Cash® Credit Card has no categories to enroll in. There are also no caps on the amount of cash back you earn.
- 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.
Protection
- 24 Hour Fraud Protection: Citi will alert you if we see unusual activity on your account.
- Help Keep Your Identity Safe: The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found.
- $0 Liability on Unauthorized Charges: You’re completely protected against unauthorized charges on your account.
Smartfinancialways insight
The Citi Double Cash® Card was among the earliest cards to provide unlimited 2% cash back on every purchase, and it continues to be popular with a variety of credit card users. This card can be utilized for a range of ‘miscellaneous’ purchases that typically wouldn’t generate significant cash back with other cards. This includes expenses like haircuts, insurance, and car repairs, meaning the rewards can accumulate quickly. However, if you’re in need of a 0% introductory period for a large purchase, this card may not be suitable, as it does not offer an introductory APR for purchases. Nevertheless, it has many advantages worth considering.
Pros- Intro balance transfer fee
- High rewards rate
- Long Intro APR period
- No annual fee ever
- Intro APR offer doesn’t include purchases
- There is a 3% foreign transaction fee, which becomes a hassle for some people when they use this card abroad.
Other smart choices
- The Wells Fargo Active Cash® Card
Best for: Entertainment and dining + intro on purchases & transfers
Smartfinancialways rating
5.0/5
Annual fee
$0
Rewards rate
1% – 8%
Cashback
Intro offer
$200 Cash back
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on balance transfers for 12 months*
*Balance transfer fee applies
Regular APR
18.49% – 28.49% Variable APR
Card rewards breakdown
- No annual fee.
- Cash back on Capital One Entertainment purchases.
- Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
- Cash back on dining.
- Cash back on entertainment.
- Cash back on popular streaming services.
- Cash back on select grocery stores.
- Cash back on all other purchases.
Card details
Fees
- No annual fee.
- Balance Transfer: Intro fee of 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open. After that, 4% of the each transferred balance that posts to your account.
- Cash Advance: Either $5 or 5% of the amount of each cash advance, whichever is greater.
- No foreign transaction fee.
Intro & Regular APRs
- 0% intro APR on purchases for 12 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies.
- 0% intro APR on balance transfers for 12 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies.
Savor Rewards from Capital One
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
- 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 & conditions apply.
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®).
- Earn unlimited 3% cash back on dining, entertainment and popular streaming services.
- Earn unlimited 1% cash back on all other purchases.
- No rotating categories or sign-ups needed to earn cash rewards.
- Cash back won’t expire for the life of the account and there’s no limit to how much you can earn.
Savor from Capitol One Features
- No Foreign Transaction Fees: You won’t pay a transaction fee when making a purchase outside of the United States.
- Travel Accident Insurance: Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
- 24-hour Travel Assistance Services: If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.
- Capital One Travel:Get our best prices on thousands of trip options—even after you book. Plus, pay flexibly with your rewards, a card or both.
- Get Hertz Five Star® Status: Get a free status upgrade, skip the counter at select locations and choose from a wider selection of rental cars.
- Extended Warranty: You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
- Complimentary Concierge Service: Enjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.
- Instant Purchase Notifications: Stay on top of your spending by receiving a push notification each time a new purchase is approved on your account.
- Capital One Shopping: Capital One Shopping is an online shopping tool that automatically applies available coupon codes to your order.
- Redeem Your Rewards with PayPal: Use your Capital One rewards on eligible purchases at millions of online stores.
- Shop With Your Rewards: Now you can pay for Amazon.com purchases using your Capital One rewards.
- 50% off Handcrafted Beverages: Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide.
- Capital One Dining: Make your next meal even more memorable with access to customer-only reservations at award-winning restaurants and tickets to curated culinary events.
- Capital One Entertainment: Enjoy access to can’t-miss events while earning 8% cash back on Capital One Entertainment purchases with your Savor Card.
- Security Alerts: Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.
- Virtual Card Numbers from Eno: Pay for online purchases with virtual card numbers and keep your actual card number to yourself.
- Account Alerts from Eno: Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.
- $0 Fraud Liability:If your card is lost or stolen, you will not be responsible for unauthorized charges.
- Card Lock: Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
- CreditWise from Capital One: Get alerts when your TransUnion® or Experian® credit report changes.
- Emergency Card Replacement: If your credit card is lost or stolen, you can get an emergency replacement card.
- See Recurring Merchants: See recurring merchants and other frequently used merchants where your card is stored online.
- Balance Transfer: Transfer your higher-rate balances onto a Capital One card.
- Authorized User: Add an authorized user to your account and track spending by user.
- 24/7 Customer Service: Helpful customer service representatives are available to assist you 24 hours a day.
- Autopay: Set up Autopay for your account and your payments will be made automatically every month.
- Chat with Eno: Text Eno, the Capital One Assistant, to manage your account on the go. Check your card balance or pay a bill with just a text.
- Capital One Mobile App: Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise.
Travel
Shopping
Access
Protection
Card Management
Smartfinancialways insight
The Capital One Savor Cash Rewards Credit Card presents a compelling and rare mix: substantial cash-back rewards at both restaurants and grocery stores, along with various entertainment expenses. This card is perfect for enjoying dinner and a movie, whether you prefer dining out at a restaurant and catching a film or preparing a meal at home while streaming on Netflix. Like any card featuring bonus categories, its benefits are closely linked to your spending within those categories.
Pros- No annual fee
- Intro APR period on both purchases and qualifying balance transfers
- Some of the best spending category coverage and unlimited rewards potential available on one card
- Redeem your rewards with Paypal when you make purchases online
- Use your rewards, pay for millions of items at Amazon.com
- No foreign transaction fees
- Virtual Card Numbers from Eno
- This card is missing a handful of rewards categories e.g gas, general travel & transit
- Requires good to excellent credit to qualify
Other smart choices
- The Chase Freedom Unlimited® Card
- The Citi Double Cash® Card
- The Wells Fargo Attune℠ Card
Best for: Everyday use of households and families
Smartfinancialways rating
4.9/5
Annual fee
$0 intro for 1st year, then $95
Rewards rate
1% – 6%
Cashback
Intro offer
Earn $250*
*After $3,000 in purchases in 1st 6 months
Recommended credit score
690-850 (Good – Excellent)
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on balance transfers for 12 months
Regular APR
19.49% – 28.49% Variable APR
Card rewards breakdown
- Cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
- Cash Back on select U.S. streaming subscriptions.
- Cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- Cash back at U.S. gas stations.
- Cash Back on other purchases.
- Cash back after you spend $3,000 in purchases on your new Card within the first 6 months.
Card details
Fees
- $0 intro annual fee for the first year, then $95.
- Balance Transfer fee:Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late payment & Returned Payment fee: Up to $40.
- Foreign transaction fee is 2.7% of each transaction after conversion to US dollars.
Intro & Regular APRs
- 0% intro APR on purchases for 12 months from the date of account opening, then a variable APR, 19.49% to 28.49%.
- 0% intro APR on balance transfers for 12 months from the date of account opening, then a variable APR, 19.49% to 28.49%.
- APR for cash advances is 28.74%. This APR will vary with the market based on the Prime Rate.
Cash Back & rewards
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- 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.
- Earn More Cash Back: You can earn cash back every time an Additional Card Member makes an eligible purchase with their Card in the same way you do on your own purchase.
Featured Benefits
- $120 Disney Streaming Credit: Get up to a $10 monthly statement credit, up to $120 annual value, after using your enrolled Blue Cash Preferred® Card for a subscription1 purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites.
- Cash Back at Amazon.com checkout: Shop now and conveniently use cash back2 at checkout at Amazon.com.
- Send & Split®: You can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Terms apply.
- Events with Amex™: Card Members enjoy special ticket access and presales to select can’t miss moments and events across sports, music, theatre, and more.
- Earn More with Amex Offers: Card Members can explore the Amex Offers available to add to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
Travel benefits
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.
- Global Assist® Hotline: Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Protection coverage
- Purchase Protection: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged.
- With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase.
- Extended Warranty: Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less.
- The purchase protection coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year.
- American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account.
Additional Services
- Plan It®: Buy now, pay later with Plan It. Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once.
- Using Plan It, simply select the purchase in your online account or the American Express App‡ to see your plan options.
- 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.
Smartfinancialways insight
The Blue Cash Preferred® Card from American Express provides exceptional rewards, offering as much as 6% cash back on common spending categories, making it an excellent option for families who spend heavily on groceries, fuel, public transportation, and streaming services. While it is uncommon for a cash back card to impose an annual fee, the rewards are substantial enough to quickly offset this cost. Additionally, the bonus offer can be considerably more advantageous than the rewards found on cards that do not require an annual fee.
Pros- 6% cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases
- 6% cash back on select U.S. streaming subscriptions, at U.S. gas stations and on U.S. online retail purchases
- 3% cash back at U.S. gas stations and on transit (including such things as taxis, parking, tolls, trains and buses)
- Other purchases earn 1% cash back
- Good to have a 0% intro APR on purchases & balance transfers
- Solid bonus offer for new cardholders
- Great benefits, including purchase protection, return protection and an extended warranty
- $0 intro annual fee for the first year, then $95 every year
- Annual fee seems steep for cash back credit card, but you will make up for it with rewards by just spending $32 per week at U.S. supermarkets
- Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card’s U.S. supermarket
Other smart choices
- The Blue Cash Everyday® Card from American Express
- The Bank of America® Customized Cash Rewards Credit Card
Best for: High flate-rate cash back
Smartfinancialways rating
4.3/5
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$200 cash rewards
When you spend $500 in purchases in first 3 months
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on balance transfers for 12 months
Regular APR
18.49% – 24.49%, or 28.49% Variable APR
Card rewards breakdown
- Earn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations.
- Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
- Intro APR for 12 months: On purchases and qualifying balance transfers.
- Cell phone protection against damage or theft.
Card details
Fees
- $0 annual fee.
- Balance Transfers fees: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
- Cash Advances fees: Either $10 or 5% of the amount of each advance, whichever is greater.
- Foreign Transaction fees: 3% of each transaction converted to U.S. dollars.
- 29.49% APR for Cash Advances and Overdraft Protection Advances.
Intro & Regular APRs
- 0% intro APR on purchases for 12 months from date of account opening. After that, your APR will be 18.49%, 24.49%, or 28.49%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
- 0% intro APR on balance transfers for 12 months from date of account opening. After that, your APR will be 18.49%, 24.49%, or 28.49%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
- A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. Balance Transfers are subject to eligibility.
- You cannot transfer a balance from any account issued by Wells Fargo or any of its affiliates.
- The total amount of your balance transfer request(s), including fees, cannot exceed your available credit.
Cash rewards
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on all purchases.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Ways to redeem your cash rewards
- Pay with Rewards: Check out with PayPal, and use your cash rewards for all or part of your eligible purchases.
- Redeem for Purchases: Redeem your points toward the cost of a past, eligible purchase.
- Gift Cards: Redeem cash rewards for gift cards from over 250 merchants, including e-Gift cards as low as $10.
- Redeem to Account: Redeem cash rewards as a credit to your account, including eligible Wells Fargo credit card or checking.
- Explore Travel: Use your rewards for flights, car rentals, and hotel stays for your next vacation.
Exceptional Visa Signature® privileges
- Concierge Services: Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Luxury Hotel Collection: Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties.
Active Cash benefits & features
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Auto Rental Collision Damage Waiver: Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
- Travel and Emergency Assistance Services: Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029.
- Emergency Cash Disbursement and Card Replacement: Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.
- My Wells Fargo Deals: Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants and earn cash back at the same time when you shop.
- Roadside Dispatch®: Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.
- Zero Liability Protection: Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
- Credit Close-Up®: With Credit Close-Up®service mark you own the skills to help understand and track your FICO® Score, raise it, or maintain it.
Smartfinancialways insight
If you want a single cash back card for all your purchases — or a card to complement others in a multi-card strategy — the Wells Fargo Active Cash® Card is a solid choice. You receive 2% cash back on every transaction, which is excellent for unlimited flat-rate cash back, in addition to a bonus offer and an introductory APR promotion.
Pros- No annual fee
- Paying your cellphone bill each month with this card gets you cellphone protection against damage or theft (limit of two up to $600 claims per year, subject to a $25 deductible)
- 2% cash rewards cards doesn’t weigh down your rewards with spending caps or minimum redemption requirements
- No categories to track or quaterly activations
- 0% intro APR for 12 months on purchases and balance transfers
- Roadside Dispatch® available whenever you’re in need of a tow – for eligible Wells Fargo cardholders
- Your reward redemption options are limited to cash rewards; you can’t transfer rewards to travel partners
- It charges a 3 percent foreign currency conversion fee, which will be disappointing to people who enjoy traveling abroad
- No bonus categories
Other smart choices
- The Citi® Double Cash Card
- The Discover It® Cash Back Card
Best for: High flat-rate travel rewards
Smartfinancialways rating
4.7/5
Annual fee
$95
Rewards rate
2x -5x
Miles
Intro offer
Enjoy a $250 travel credit & 75K bonus miles
Recommended credit score
670-850 (Good – Excellent)
Get your free credit score
Limited time offer
Up to $1,000 in travel bonuses that includes $250 Capitol One Travel Credit*
*spend $4,000 on purchases in first 3 months
Travel Offer
No foreign transaction fees & no blackout dates
Regular APR
19.49%, 24.49% or 28.49% Variable APR*
*based on your creditworthiness
Card rewards breakdown
- Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- Get unlimited 2X miles per dollar on every purchase, every day.
Card details
Venture Rewards from Capital One Fees
- $95 annual fee.
- Transfer: 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
- Cash Advance: Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Travel: No foreign transaction fees and no blackout dates.
Venture Rewards from Capital One APRs
- APR for purchase: 19.49%, 24.49% or 28.49%, based on your creditworthiness.
- APR for Cash Advances: 28.49%. This APR will vary with the market based on the Prime Rate.Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel.
Venture Rewards from Capital One Rewards
- Limited-Time Offer: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel.
- Unlimited 2X miles: Get unlimited 2X miles per dollar on every purchase, every day.
- Unlimited 5X miles: Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Venture Rewards from Capital One Benefits
- Book when the time’s right: Redeem at any time and travel when you want with no blackout dates and no seat restrictions.
- No foreign transaction fees: You won’t pay a transaction fee when making purchases outside of the United States.
- Flexible redemption: Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
- Elevate your stays: Receive a $50 experience credit on every Lifestyle Collection stay.
- A smarter way to travel: Access special benefits—like price drop protection—with Capital One Travel.
- Skip the airport lines: Receive up to a $120 credit for Global Entry or TSA PreCheck®.
- Hertz® Five Star status: Skip the rental counter and choose from a wider selection of cars.
- Turn rewards into trips: Book with your rewards, your Venture card, or a combination of the two, and get Capital One Travel’s price match guarantee.
- Redeem for past travel purchases: Simply book your travel through your preferred travel website, travel agent, or other travel resource using your Capital One Rewards card. Then, sign in to your account at capitalone.com, go to Rewards and select Cover Your Travel Purchases or call our Rewards Center to redeem your miles.
- Transfer your miles to your choice of 15+ travel loyalty programs.
- Travel with accident insurance: Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
- Auto Rental Collision Damage Waiver: Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.
- Access Capitol One Offers: Cardholders have exclusive access to earn statement credits by shopping online at thousands of retailers, like Adidas, Macy’s and more.
- Shop at Amazon.com, now you can pay for Amazon.com purchases using your Captiol One rewards.
- Redeem rewards with Paypal, use your Capitol One rewards on eligible purchases at millions of online stores.
- With Capital One Entertainment, access cardholder-only VIP packages and thousands of tickets to events in sports, music, dining, theater and more, plus redeem your rewards for tickets and packages.
- Access exclusive reservations: From local gems to award-winning restaurants, book hard-to-get reservations set aside just for customers with Capital One Dining.
- 50% off Handcrafted Beverages: Capitol One cardholders enjoy 50% off all handcrafted beverages everyday at any Capitol One Cafe nationwide.
- Get 24/7 customer service: Helpful customer service representatives are available to assist you 24 hours a day.
- Stay on top of your account: Manage your account anywhere, anytime, with the Capitol One Mobile app. Pay your bill, view your balance and transactions – even stay on top of your credit for free with CreditWise from Capitol One.
- Choose your due date: Pick your own monthly due date and payment method-check, online or at a local branch-all with no fee.
- Get double swipe alerts: If Eno notices a duplicate charge on your account, you will receive a notification and guidance on resolving the issue.
- Transfer a balance: Transfer your higher-rate balances onto a Capitol One card. Balance tranfer requests are subject to approval.
- Add an authorized user: Add an authorized user to your account and track spending by user.
- Monitor your credit for free: Sign up for CreditWise from Capitol One, a free credit monitoring tool available to everyone, even if you don’t have a Capitol One account, get alerts for important changes to your TransUnion and Experian reports.
- Get security alerts: Get notified via text, email, and phone if Capitol One notices potential suspicious transactions on your account.
- Use virtual cards: Pay for online purchases with virtual cards and keep your actual card number to yourself.
- $0 Fraud Liability: If your card is lost or stolen, you will not be responsible for unauthorized charges.
- Lock your card: Lock your card in the Capitol One Mobile app if it’s misplaced, lost, or stolen.
- Replace your card: If your card is lost or stolen, get an emergency replacement and a cash advance.
Travel
Shopping
Dining & Entertainment
Account Management
Security features
Smartfinancialways insight
The Capital One Venture Rewards Credit Card has justifiably become one of the leading travel credit cards available, thanks to its straightforward rewards system, adaptable redemption options, and reasonable annual fee.
Pros- High rewards rate
- Miles are ultra-flexible: You can redeem for travel, transfer to airline and hotel partners or even as a reimbursement to cover travel purchases
- One of the best sign-up bonuses you can get on a general travel rewards card available at such a low cost
- Has annual fee
- After the 1st year, You won’t be able to offset the card’s cost with just annual credit or perk value
- Capital One’s transfer partners don’t include a major U.S. airline
Other smart choices
- The Capitol One VentureOne® Rewards Card
- The Chase Sapphire Preferred® Credit Card
Best for: Bonus points & travel rewards
Smartfinancialways rating
4.9/5
Annual fee
$95
Travel Rewards rate
5x on Chase Travel, 3x on dining
Intro offer
75,000 bonus points
after you spend $5,000 in first 3 months
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
DoorDash DashPass Subscription
$120 for 12 months on DoorDash
Lyft
Earn 5x on Lyft rides through September 30, 2027
Regular APR
19.24% – 27.49% Variable APR
Card rewards breakdown
- Earn 5x points on travel purchased through Chase Travel℠.
- Earn 3x points on dining, including eligible delivery services, takeout and dining out.
- Earn 3x points on select streaming services.
- Earn 3x points on online groceries.
- Earn 2x points on all other travel purchases.
- Earn 1x points on all other purchases.
- Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.
Card details
Fees
- $95 Annual Membership Fee.
- Balance Transfers fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advances fees: Either $10 or 5% of the amount of each transaction, whichever is greater.
- Foreign Transactions fees: None; For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
Travel Credit Card Rewards & Benefits
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. These 60,000 points are worth $750 when redeemed for travel purchases, or $600 when redeemed for cash.
- $50 Annual Chase TravelSM Hotel Credit: Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.
- Earn 5x total points on travel purchased through Chase Travel℠, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit.
- Earn 3x points on dining, including eligible delivery services, takeout and dining out.
- Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
- Earn 3x points on select streaming services.
- Earn 2x on other travel purchases.
- Earn 1 point per dollar spent on all other purchases.
- Over $200 in partnership benefit value:Take advantage of over $200 in partner value with Sapphire Preferred.
- Chase Pay Over Time: Eligible cardmember can break up card purchases of $100 or more into fixed monthly payments with Chase Pay Over Time®. No interest, just a fixed monthly fee.
- “Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions.
- Each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
Partner benefits
- DoorDash DashPass benefits: Get a complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders when you activate by December 31, 2027.
- 5x points on Lyft rides: Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.
- 5x points on Peloton equipment: Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
Airline & Hotel Travel Partners
- 1:1 Point Transfer: With Chase Sapphire Preferred®, you can transfer your points to leading frequent travel programs at 1 to 1 value.
- Airlines Partners are: Aer Lingus, AerClub, Air Canada Aeroplan, British Airways, Flying Blue, Air France, KLM, Iberia Plus, JetBlue, TruBlue, Singapore Airlines, KrisFlyer, Southwest Airlines Rapid Rewards, United Mileage Plus, Virgin Atlantic Flying Club.
- Hotel Partners are: IHG® Rewards Club, Marriott Bonvoy®, World of Hyatt®.
Travel & purchase coverage
- Trip Cancellation and Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
- Baggage Delay Insurance: Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Travel and Emergency Assistance: If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Auto Rental Coverage: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
- Extended Warranty Protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Card management
- 24/7 Access to a Customer Service Specialist: Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world.
- Member FDIC.
Smartfinancialways insight
The Chase Sapphire Preferred® Credit Card allows you to accumulate rewards, referred to as Ultimate Rewards® points, in several ways and effectively redeem them for travel purposes. You can either use your points to book travel directly through Chase or transfer them to over a dozen loyalty programs, including major players like United Airlines, Southwest Airlines, Marriott, and Hyatt. It also complements other Chase cards that earn Ultimate Rewards® points. For those who travel, the Chase Sapphire Preferred® Card, with a $95 annual fee, is recognized as a flexible and valuable option.
Pros- Annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee
- This card is among the greatest choices for infrequent travelers who wish to earn rewards on regular purchases because of its high-value transfer partners
- Bonus offer: Spend $5,000 on purchases during the first three months after creating an account to earn 75,000 bonus points
- Transfer points at a 1:1 to more than dozen airline and hotel partners
- Protection coverage for travel and purchases is top notch
- Redeeming points for Chase-booked travel increases their value
- Steep curve to earn bonus points. To receive your bonus, you must make purchases totaling $5,000 or more during the first 3 months from account opening
- Must book through Chase Travel℠ for best earning rate on travel
- Requires good to excellent credit to qualify
- No introductory APR offer
Other smart choices
- The Capital One Venture Rewards Credit card®
- The Wells Fargo Autograph® Card
Best for: Simple cash back rewards + intro APR period offer
Smartfinancialways rating
4.6/5
Annual fee
$0
Rewards rate
1.5% – 5%
*1.5% on everyday purchases, 5% on hotels, vacation rentals
Intro offer
$200 cash bonus
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on balance transfers for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months*
*Balance transfer fee applies
Regular APR
18.49% – 28.49% Variable APR
Card rewards breakdown
- Annual fee plus no foreign transaction fees on purchases made outside of the United States.
- Cash back 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.
- Cash back on every purchase, every day.
- Cash bonus once you spend $500 on purchases within 3 months from account opening.
- Intro APR for 15 months on purchases.
- Intro APR for 15 months on balance transfers.
Card details
Fees
- $0 annual fee, and $0 foreign transaction fees, or hidden fees.
- No Foreign Transaction Fees: You won’t pay a transaction fee when making purchases outside of the United States.
Intro & Regualr APRs
- 0% intro APR for 15 months on purchases; 19.24% – 29.24% variable APR after that.
- 0% intro APR for 15 months on balance transfers; 19.24% – 29.24% variable APR after that; Balance transfer fee applies.
- 29.24% is APR for cash advances. This APR will vary with the market based on the Prime Rate.
Cash back & rewards
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
- Earn 1.5% cash back on every day, and rewards don’t expire for the life of the account.
- Earn unlimited 5% cash back on hotels and rental cars booked through Capitol One Travel.
- No rotating categories to keep track of or sign-ups needed to earn cash rewards.
- Redeem your rewards with PayPal: Use your Capitol One rewards to make purchases at millions of online stores when you check out with PayPal.
- Use your rewards at Amazon.com: Now you can pay for millions of items using your rewards.
- Get cardholder-only access to a collection of VIP packages, events, on-site perks and more.
- Use your rewards, your card or a combination of both to get tickets to thousands of events.
- Enjoy booking made easy. Pick your event, choose your seats and buy tickets online, in just a few taps.
Protection
- Security Alerts: Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.
- Virtual Card Numbers from Eno: Pay for online purchases with virtual card numbers and keep your actual card number to yourself.
- $0 Fraud Liability:If your card is lost or stolen, you will not be responsible for unauthorized charges.
- Card Lock: Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
- Account Alerts from Eno: Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.
- CreditWise from Capital One: Get alerts when your TransUnion® or Experian® credit report changes.
- Emergency Card Replacement: If your credit card is lost or stolen, you can get an emergency replacement card.
Card Management
- See Recurring Merchants: See recurring merchants and other frequently used merchants where your card is stored online.
- Balance Transfer: Transfer your higher-rate balances onto a Capital One card.
- Authorized User: Add an authorized user to your account and track spending by user.
- 24/7 Customer Service: Helpful customer service representatives are available to assist you 24 hours a day.
- Autopay: Set up Autopay for your account and your payments will be made automatically every month.
- Chat with Eno: Text Eno, the Capital One Assistant, to manage your account on the go. Check your card balance or pay a bill with just a text.
- Capital One Mobile App: Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise.
Smartfinancialways insight
Not many cards provide as attractive a mix of cash-back rate, welcome bonus, introductory 0% APR offer, and redemption options as the Capital One Quicksilver Cash Rewards Credit Card. The initial 1.5% cash-back card continues to perform well, despite facing competition from many rivals. Additionally, it has introduced bonus cash back for specific travel purchases. While there are cards that offer a higher ongoing cash-back rate, they may lack some of the additional perks that this card offers.
Pros- No annual fee
- Good option to take with you when travelling internationally, as it has No foreign transaction fees
- Medium to high rewards rate
- $0 intro APR period on both purchases & balance transfers
- No rotating categories to keep track of or sign-ups needed to earn cash rewards
- Rewards are unlimited, also allows you to redeem your rewards in any amount, at any time
- No bonus categories
- Flat cash back rate is lower than the flat rates issuers offer on other rewards cards
- Better suited for hotel, rental car reservations, & online shopping not good choice for dining, gas & groceries
- Requires good to excellent credit to qualify
Other smart choices
- The Citi Double Cash® Card
- The Chase Freedom Unlimited® Card
- The Wells Fargo Active Cash® Card
Best for: Everyday shopping + quarterly rotating bonus categories
Smartfinancialways rating
4.4/5
Annual fee
$0
Rewards rate
1% – 5%
5% cashback on everyday purchases, plus 1% unlimited cash back on all other purchases.
Intro offer
Cashback Match
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
17.49% – 26.49% Variable APR
Card rewards breakdown
- Cash back = $1 to Redeem:Earn cash back you can spend with Discover. One dollar earned is worth one dollar you can spend.
- Cash back on everyday purchases when you shop each quarter–like grocery stores, restaurants, gas stations, and more–up to the quarterly maximum when you activate.
- Unlimited 1% cash back on all other purchases.
- Intro APR for 15 months on purchases and balance transfers.
- Fraud Liability Guarantee: You’re never responsible for unauthorized purchases on your Discover Card.
Card details
Fees
- No annual fee. Apply and you could get a decision in as little as 60 seconds.
- No Foreign transaction fee.
- Late payment fee: No fee for first late payment, then up to $41.
- Cash advance fee: 5 percent of the amount of each transaction (minimum $10).
- Penalty APR: none.
Intro & Regular APRs
- 0% APR offer: 0 percent intro APR on purchases for 15 months. 17.49% – 26.49% Variable APR afterwards.
- 0% APR offer: 0 percent intro APR on balance transfers for 15 months. 17.49% – 26.49% Variable APR afterwards.
- 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
- Cash advance APR: 28.49% Variable APR.
Cash back & 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!
- Earn 5% Cash Back: 0% APR offer: 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.
- You’ll still earn an unlimited 1% cash back on all other purchases – automatically.
- $1 Cash Back = $1 to Redeem:Earn cash back you can spend with Discover. One dollar earned is worth one dollar you can spend.
- There’s no limit to how much we’ll match. Your cash back won’t expire for the life of the account.
- You don’t have to sign up, just use your Discover card for purchases to earn cash back. We’ll automatically match all the cash back you earn at the end of your first year.
- Double Up on Cash Back: We’ll automatically double all the cash back you earn at the end of your first year. There’s no minimum spending or maximum rewards limits. You could turn $150 cash back into $300.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Smartfinancialways insight
The Discover it® Cash Back offer provides substantial rewards in popular spending categories that rotate every few months, along with a bonus that increases in value with more frequent use of the card during the first year. It functions effectively either as a primary card for daily use or as part of a combination of cards. While you will need to take some time a few times annually to activate the bonus categories, doing so is as easy as setting a reminder in your calendar.
Pros- Cash rewards
- Good Intro APR period
- No annual fee ever
- Discover matches the cash back you earn at the end of the first year
- Very few fees, a chance at a low APR and a more forgiving late payment policy than most rivals
- Lower acceptance when you travel overseas
- Complicated rewards program to follow along
- You must enroll to take advantage of the bonus categories each quarter
- You’ll only earn a top rewards rate on your first $1,500 in spending each quarter, so it’s not ideal for large purchases or big spenders
Other smart choices
- The Chase Freedom Unlimited®
- The Chase Sapphire Preferred® Card
Best for: Travel rewards for beginners
Smartfinancialways rating
4.2/5
Annual fee
$0
Rewards rate
1.25 Miles – 5 Miles
Intro offer
Earn 20,000 miles
After you spend $500 in purchases in first 3 months
Recommended credit score
670-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
18.49% – 28.49% Variable APR
Card rewards breakdown
- Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
- Earn unlimited 1.25 miles per dollar on every purchase.
- Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Card details
Fees
- No annual fee and no foreign transaction fees.
- Transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months, afterwards it is 4%.
- Cash Advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater.
Intro & regular APRs
- Enjoy 0% intro APR on purchases for 15 months; 18.49% – 28.49% variable APR after that.
- Enjoy 0% intro APR on balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fees applies.
VentureOne rewards
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
- Earn 5x miles on hotels 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.
- Earn unlimited 1.25x miles on every purchase, every day.
- Transfer your miles to your choice of 15+ travel loyalty programs.
VentureOne Benefits
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel.
- Book with confidence: Save an average of 15% on flights using price prediction from Capitol One Travel.
- Use your rewards at Amazon.com: Now you can pay for millions of items using your rewards.
- Redeem Your Rewards with PayPal: Use your Capital One rewards on eligible purchases at millions of online stores.
- Get Hertz Five Star® Status: Get a free status upgrade, skip the counter at select locations and choose from a wider selection of rental cars.
VentureOne Access
- Capital One Dining: Make your next meal even more memorable with access to customer-only reservations at award-winning restaurants and tickets to curated culinary events.
- Capital One Entertainment: Enjoy 5x miles on Capital One Entertainment purchases and access can’t-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more.
VentureOne Protection
- Virtual Card Numbers from Eno: Pay for online purchases with virtual card numbers and keep your actual card number to yourself.
- Account Alerts from Eno: Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.
- $0 Fraud Liability: If your card is lost or stolen, you will not be responsible for unauthorized charges.
- Security Alerts: Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.
- Card Lock: Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
- Emergency Card Replacement: If your credit card is lost or stolen, you can get an emergency replacement card.
Smartfinancialways insight
The Capital One VentureOne Rewards Credit Card is an excellent option for those new to travel rewards, featuring an attractive bonus for new cardholders and straightforward rewards on all purchases, with no annual fee. Additionally, it includes a 0% introductory rate on balance transfers.
Pros- Easy-to-earn welcome bonus could be one of the most valuable upfront offers
- Unlike many travel rewards cards, it comes with solid intro APR offers
- No annual fee ever
- Flexible rewards redemption
- 1.25x-mile flat rate is lower than other starter travel cards’ flat rates, even those with no annual fees
- Travel incentives aren’t very noteworthy when compared to other travel rewards cards
- Rewards have limited flexibility
- Requires good to excellent credit to qualify
Other smart choices
- The Chase Sapphire Preferred card®
- The Capital One Quicksilver card®
Best for: Everyday use + no annual fee + intro APR period
Smartfinancialways rating
4.9/5
Annual fee
$0
Rewards rate
1% – 3%
Cashback
Intro offer
$200*
After $2,000 in purchases in 1st 6 months
Recommended credit score
690-850 (Good – Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
19.49% – 28.49% Variable APR
Card rewards breakdown
- Earn cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
- Earn cash back on U.S. Online Retail Purchases, on up to $6,000 per year in purchases (then 1%).
- Earn cash back at U.S. gas stations, on up to $6,000 per year in purchases (then 1%).
- Earn cash back on other eligible purchases.
- Earn back after you spend $2,000 in purchases on your new Card within the first 6 months.
Card details
Fees
- No annual fee.
- Balance Transfer fee:Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late payment & Returned Payment fee: Up to $40.
- Foreign transaction fee is 2.7% of each transaction after conversion to US dollars.
Intro & Regular APRs
- 0% intro APR on purchases for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
- 0% intro APR on balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
- APR for cash advances is 28.74%. This APR will vary with the market based on the Prime Rate.
- Penalty APR and When it Applies is 29.99%. This APR will vary with the market based on the Prime Rate.
Cash Back & rewards
- Earn a $200 statement credit after you spend $2,000 in eligible purchases on your new Card within the first 6 months.
- 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%.
- 1% Cash Back on other eligible purchases.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Earn More Cash Back: You can earn cash back every time an Additional Card Member makes an eligible purchase with their Card in the same way you do on your own purchase.
Featured Benefits
- $84 Disney Streaming Credit: Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription1 purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites.
- Cash Back at Amazon.com checkout: Shop now and conveniently use cash back2 at checkout at Amazon.com.
- Send & Split®: You can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Terms apply.
- Amex™ Special Ticket Access: Card Members have access to purchase tickets through Amex Presale Tickets® and Amex Reserved Tickets® to select can’t-miss events and moments across sports, music, and more.
- Earn More with Amex Offers: Card Members can explore the Amex Offers available to add to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
- $180 Home Chef Credit: Basic Blue Cash Everyday® Card Members can receive up to $15 in monthly statement credits when a Card on the Card Account is used to purchase a Home Chef meal kit subscription online.
Travel benefits
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.
- Global Assist® Hotline: Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Protection coverage
- Purchase Protection: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged.
- The purchase protection coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year.
Additional Services
- Plan It®: Buy now, pay later with Plan It. Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once.
- Using Plan It, simply select the purchase in your online account or the American Express App‡ to see your plan options.
- You can add an Additional Card for anyone who makes purchases for you, like your child (13+), spouse, or employee.
- 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.
Smartfinancialways insight
The Blue Cash Everyday® Card from American Express is an excellent option for families who frequently spend on groceries, gas, and online shopping, particularly because it doesn’t have an annual fee. It provides 3% cash back in the category of “U.S. online retail purchases,” applicable to nearly every type of transaction, with a limit of $6,000 in spending annually (after which the rate drops to 1%). Its attractive bonus offer and introductory APR period are especially beneficial for making significant online purchases right after approval, but it functions effectively as an everyday card, as suggested by its name.
Pros- Earns 3% cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases
- Other purchases earn 1% cash back
- Good to have a 0% intro APR on purchases & balance transfers
- Solid bonus offer for new cardholders
- A spending cap per calendar year on your highest earning categories may limit your cash back potential
- If you spend at least $61 per week at the supermarket, you may be better off paying the annual fee on the Blue Cash Preferred® Card from American Express because of its higher rewards rate
- This card also lacks the bonus streaming and transit rewards of the “Preferred” version
Other smart choices
- The Blue Cash Preferred® Card from American Express
- The Bank of America® Customized Cash Rewards Credit Card
Best for: Simple cash back rewards + intro APR period offer
Smartfinancialways rating
4.6/5
Annual fee
$0
Rewards rate
1.5% – 2%*
* 2% Cashback for 1st year
Intro offer
$200
*after spending $1,000 in first 90 days
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on balance transfers for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months*
*Balance transfer fee applies
Regular APR
17.49% – 27.49% Variable APR
Card rewards breakdown
- No annual fee.
- Earn 2% cash back on purchases for the first year.
- Earn unlimited 1.5% cash back on all purchases after first year.
- Intro APR for 15 months for purchases made in the first 60 days.
- Intro APR for 15 months for balance transfers made in the first 60 days.
- Cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
Card details
Fees
- $0 annual fee.
- Foreign transaction fee is 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
- 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 5%.
Intro & Regular APRs
- 0% Intro APR for 15 months on purchases made in the first 60 days. After that, a Variable APR that’s currently 17.49% – 27.49% will apply.
- 0% Intro APR for 15 months on balance transfers made in the first 60 days. After that, a Variable APR that’s currently 17.49% – 27.49% will apply.
- APR for Cash Advances: 20.49% to 28.49%, based on your creditworthiness, when you open your account, for Direct Deposit and Check Cash Advances.
- Penalty APR and When it Applies: Up to 29.99%, based on your creditworthiness.
Cash back & rewards
- Earn 2% cash back on purchases for the first year from account opening.
- After 1st year earn unlimited 1.5% cash back on all purchases.
- Bank of America Preferred Rewards® members earn 25%-75% more cash back on every purchase.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- Redeem your cash rewards for any amount, anytime for statement credits to your credit card, deposits made directly into a Bank of America® checking or savings account, or to pay for purchases when you shop at Amazon.com or check out with PayPal.
Smartfinancialways insight
The Bank of America® Unlimited Cash Rewards credit card is a no-annual-fee, straightforward card that provides 1.5% unlimited cash back on every purchase. New cardholders can earn a $200 cash rewards bonus by spending $1,000 within the first 90 days. Additionally, it offers a 0% introductory APR for 15 billing cycles applicable to both purchases and balance transfers, along with increased rewards for Preferred Rewards members.
Pros- No annual fee
- Unlimited 1.5 percent cash back back on all purchases
- 0% Intro APR period on purchases & balance transfers
- Redeem your cash rewards for any amount, anytime for direct deposit or purchases at Amazon.com or at checkout with PayPal
- No bonus categories just flat-rate cash back
- You’ll need to maintain relatively high balances across your Bank of America accounts to qualify for the Bank of America Preferred Rewards® program (at least $20,000 minimum)
- It charges a 3 percent foreign currency conversion fee, which will be disappointing to people who enjoy traveling abroad
- Best rewards limited to certain customers
- Requires good/excellent credit to qualify
Other smart choices
- The Citi Double Cash® Card
- The Wells Fargo Active Cash® Card
- The Capitol One Quicksilver® Cash Rewards Credit Card
Best for: Everyday shopping + cash back in quarterly bonus categories
Smartfinancialways rating
4.7/5
Annual fee
$0
Rewards rate
1% – 5%
Cashback
Intro offer
$200 bonus
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
18.24% – 27.74% Variable APR
Card rewards breakdown
- Bonus after you spend $500 on purchases in the first 3 months.
- Cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 %).
- Cash back on travel purchased through Chase Travel℠.
- Cash back on dining, including takeout and delivery services.
- Cash back on drugstore purchases.
- Cash back on all other purchases..
- Intro APR for 15 months on purchases and balance transfers.
Card details
Fees
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card.
- Foreign Transaction fee is 3% of the amount of each transaction in U.S. dollars.
- Balance Transfers: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater.
Intro & regular APRs
- Purchases APR: 0% Intro APR for 15 months from account opening, then a variable APR of 18.24%-27.74%.
- Balance Transfer APR: 0% Intro APR for 15 months from account opening, then a variable APR of 18.24%-27.74%.
- Cash Advance APR: 28.49%. This APR will vary with the market based on the Prime Rate.
- Penalty APR and When It Applies: Up to 29.99%. This APR will vary with the market based on the Prime Rate.
Cash back & 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.
Redeem Cash back rewards
- 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!
- Shopping at Amazon.com: Link your Chase Freedom Flex® card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout.
- Gift cards: Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.
- Travel: Book your travel with Chase TravelSM for competitive rates and flexible ways to pay.
Perks & offers
- DOORDASH: Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders.
- Lyft: Earn 2% total cash back on Lyft rides with your Freedom Flex card through September 30, 2027. That’s 1% cash back in addition to the 1% cash back you already earn.
Service & Protection
- $0 Liability Protection: You won’t be held responsible for unauthorized charges made with your card
- Purchase Protection: Covers your eligible new purchases for 90-120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less.
- Cell Phone Protection: Get up to $800 per claim and $1,000 per 12-month period in cell phone protection against covered theft or damage.
- Auto Rental Coverage: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles.
- Trip Cancellation and Interruption Insurance: You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Travel and Emergency Assistance: If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services.
- 24/7 Fraud Monitoring: We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Chase Pay Over Time®
- Chase Pay Over Time* (formerly My Chase Plan®) lets eligible Chase customers break up credit card purchases into budget friendly payments.
- Pay off an eligible purchase you’ve already made of $100 or more* in smaller, equal monthly payments. No interest – just a fixed monthly fee† with plan durations that range from 3-24 months.
- Start a plan by selecting an eligible purchase with the “Pay Over Time” option next to the transaction amount in your credit card account activity.
- Member FDIC.
Smartfinancialways insight
Certain rewards credit cards feature bonus categories that remain constant, while others have categories that frequently update. The Chase Freedom Flex® incorporates both types. This provides numerous chances to earn additional cash back, yet it also requires some effort on your part. If you’re comfortable monitoring which categories yield 3% and 5% bonuses or activating the quarterly categories online (tip: consider setting a reminder on your phone), it’s an excellent card.
Pros- Offer flat-rate cash back
- Offer rotating bonus categories
- New cardholder bonus offer
- Intro APR period on purchases & balance transfers
- No annual fee ever
- It gives excellent travel protections and partner benefits for a no-annual-fee card
- You’ll need to pair it with a higher-tier Chase card to get top redemption value for travel purchases
- You must enroll to take advantage of the bonus categories each quarter
- You’ll only earn a top rewards rate on your first $1,500 in spending each quarter, so it’s not ideal for large purchases or big spenders
- Quarterly categories may not be the best fit for you if you have consistent spending habits, making earning rewards more complicated
Other smart choices
- The Bank of America® Customized Cash Rewards Credit Card
- The Discover It® Cash Back Card
Best for: Everyday travel & commuting
Smartfinancialways rating
4.2/5
Annual fee
$0
Purchase intro APR
0% Intro APR for 12 months
After intro, 18.49%, 24.49%, or 28.49%
Balance transfer APR
18.49%, 24.49%, or 28.49%*
*eligibility required
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Intro offer
20,000 bonus points
After you spend $1,000 in purchases in first 3 months
Rewards rate
1x – 3x points
3X on restaurants, travel, gas, transit, & phone plans, 1X on all other
Regular APR
18.49% , 24.49%, or 28.49% Variable APR
Card rewards breakdown
- Unlimited Points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
- Unlimited Points on other purchases.
- Intro APR for 12 months on purchases.
- Cell phone protection against damage or theft.
Card details
Wells Fargo Autograph® Card Awards
- NerdWallet: 2025 Best Travel Credit Card with No Annual Fee
- Fool Money: 2025 Best Credit Card for Gas
- FinanceBuzz: 2025 Best No Annual Fee in the Travel Category
Wells Fargo Autograph® Card Fees
- $0 annual fee.
- Balance Transfers: Intro fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
- Cash Advances: Either $10 or 5% of the amount of each advance, whichever is greater.
- Foreign Currency Conversion/Foreign Transaction: None.
Wells Fargo Autograph® Card Intro & Regular APRs
- Purchses APR: 0% intro APR for 12 months from account opening. After that, your APR will be 18.49%, 24.49%, or 28.49%, based on your creditworthiness.
- Balance Transfers APR: 18.49%, 24.49%, or 28.49%, based on your creditworthiness. Balance Transfers are subject to eligibility.
- Cash Advances APR: 29.49%; This APR will vary with the market based on the U.S. Prime Rate.
- 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 per $1 on Restaurants: dining in, take-out, catering, delivery and more.
- Earn unlimited 3x points per $1 on Travel: airfare, hotels, car rentals, cruises and more.
- Earn unlimited 3x points per $1 on Gas: gas stations and electric vehicle charging stations
- Earn unlimited 3x points per $1 on Transit: subways, ride shares, parking, tolls and more.
- Earn unlimited 3x points per $1 on Popular Streaming Services: content at home or on the go.
- Earn unlimited 3x points per $1 on Phone Plans: cell phone and landline providers.
- Earn unlimited 1x points per $1 on other purchases.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Pay with Rewards: Check out with PayPal, and use your points for all or part of your eligible purchases.
- Redeem for Purchases: Redeem your points toward the cost of a past, eligible purchase.
- Gift Cards: Redeem points for gift cards from over 250 merchants, including e-Gift cards as low as $10.
- Redeem to Account: Redeem points as a credit to your account, including eligible Wells Fargo credit card or checking accounts.
- Rewards Points Transfer: Transfer your points directly to select travel loyalty programs, in any amount.
- Cellular Telephone Protection: Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Auto Rental Collision Damage Waiver: Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
- Travel and Emergency Assistance Services: Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029.
- Roadside Dispatch®: Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required.
- My Wells Fargo Deals: Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
- Zero Liability protection: Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
- Credit Close-Up®: With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it.
- Emergency Cash Disbursement and Card Replacement: Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.
- Autograph Card Exclusives: Get access to tickets to live events featuring fan-favorite artists that put you closer to the artists than you’ve ever been with your Wells Fargo Autograph-branded Credit Card.
- No Foreign Transaction Fee: Using your card abroad is like using it at home. We won’t charge a fee for converting your purchases to U.S. dollars.
- Visa Signature® Concierge Services: Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Visa Signature® Luxury Hotel Collection: Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties.
Wells Fargo Autograph® Card Rewards
Earn
Redeem
Wells Fargo Autograph® Card benefits & features
Exceptional Visa Signature® privileges
Smartfinancialways insight
The Wells Fargo Autograph Card is a top-tier card with no annual fee ($0) that provides unlimited 3x points across various categories such as travel, dining, fuel, transit, streaming services, and mobile phone plans. There are no limits on the rewards you can earn. It is well-regarded for its flexibility, absence of foreign transaction fees, and straightforward rewards program suitable for regular purchases. Additionally, it offers an introductory 0% APR for the first 12 months on purchases. However, it does not include luxury perks typically associated with travel cards.
Pros- No annual fee
- New cardholder bonus offer
- No cap on rewards
- Paying your cellphone bill with this card gets you cellphone protection against damage or theft (limit of two up to $600 claims per year, subject to a $25 deductible)
- Earn unlimited 3 points per dollar spent on travel, dining, gas stations, transit, popular streaming services and phone plans
- No categories to track or quaterly activations
- 0% intro APR for 12 months on purchases
- No foreign transaction fees
- No luxury perks
- No travel baggage discount or airport lounge access
- Requires good to excellent credit to qualify
Other smart choices
- The Chase Sapphire Preferred® Credit Card
- The Capital One Venture Rewards Credit Card
Best for: Luxury perks
Smartfinancialways rating
4.4/5
Annual fee
$895
Rewards rate
5x – 5x – 1x
Intro offer
As high as 175,000 points
Recommended credit score
670-850 (Good – Excellent)
Get your free credit score
Rewards on flights
5x points on flights up to $500K per year
Rewards on hotel booked
5x points on hotels booked with AmexTravel.com
APR for Pay Over Time
Pay Over Time APR: 19.49% – 28.49%
based on your creditworthiness & other factors
Card rewards breakdown
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- Unlock Over $3,500 in Value with your Platinum Card® with benefits across travel, entertainment and dining.
- Earn 1x Membership Rewards® Points on other eligible purchases.
Card details
Platinum card Awards
- J.D. Power 2025 award: Best Annual Fee Rewards Credit Card for Customer Satisfaction.
- The Platinum Card® by American Express received the highest score in the Bank Rewards Credit Card with an Annual Fee segment.
- J.D. Power 2024 & 2025 award: #1 for Customer Satisfaction with Credit Card Mobile Apps for the 2nd consecutive year.
Platinum card Welcome Offer & Key details
- Membership Rewards® points: AS HIGH AS 175,000. After you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.
- Welcome offers vary and you may not be eligible for an offer.
- Apply, and if approved: 1-Find out your offer amount, 2-Accept the Card with your offer, 3-Spend $12,000 in 6 months, 4-Receive the points.
Fees
- $895 annual fee.
- Cash Advance fees: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction fees: None.
Platinum card APRs
- APR for Pay Over Time: 19.49% to 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- APR for Cash Advances: 28.74%; This APR will vary with the market based on the Prime Rate.
PLATINUM CARD EXCLUSIVE BENEFITS
Premium Travel
- 5X Points on Flights: 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.
- 5X Points on Prepaid Hotels: Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- Global Lounge Collection: Enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass Select membership (enrollment required), and other select partner lounges.
- $600 Hotel Credit: With over 3,000 hotels – get up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection2 bookings through Amex Travel.
- $120 Uber One Credit: As a Platinum Card® Member, you can get up to $120 in statement credits each calendar year after you purchase an auto-renewing Uber One membership with your Card.
- Fine Hotels + Resorts®: With over 1,800 properties worldwide, when you book Fine Hotels + Resorts® through AmexTravel.com, you can receive a suite of benefits with an average total value of $550* in perks.
- The Hotel Collection: 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.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay fee with Platinum Card®.
- Platinum Travel Service: Platinum Travel Consultants specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.
- No Foreign Transaction Fees: No matter where you’re traveling, when you use your Platinum Card® there are no foreign transaction fees.
- Car Rental Privileges: Avis, Hertz, National: Platinum Card® Members enjoy complimentary premium status for select car rental programs. Platinum Card® Members can view their specific Car Rental Privileges online by logging into their American Express account.
- Premium Global Assist® Hotline: Whenever you travel more than 100 miles from home, Premium Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical, legal, and financial referrals.
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance* can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
- $209 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.
Dining & Entertainment
- $400 Resy Credit: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at over 10,000 U.S.
- $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- Global Dining Access by Resy: Get special access to sought-after restaurants when you add your Platinum Card® to your Resy profile. Access to Exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com
- Platinum Nights by Resy: With your Platinum Card®, you get access to Platinum Nights by Resy which offers you sought after reservations at participating top Resy restaurants on select nights.
- Premium Events Collection™: RSVP to tailored events. Your Platinum Card® is your key to specially curated Premium Events Collection™ experiences.
- Amex Special Ticket Access and more: Card Members can access Amex Presale Tickets®‡ and Amex Reserved Tickets®‡ to select can’t-miss events and moments across sports, music, and more.
Shopping & wellness
- $300 lululemon Credit: You can receive up to $75 in statement credits each quarter when you use the Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.
- $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually.
- $200 Oura Ring Credit: You can receive up to $200 in statements credits when you use the Platinum Card® to purchase an Oura Ring at Ouraring.com each calendar year.
- $300 Equinox Credit: Get up to $300 in statement credits each year at Equinox. Simply use your Platinum Card® to pay for an Equinox+ digital subscription
- Return Protection: With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. Up to $300 per item, up to a maximum of $1,000 per calendar year per Card account.
- Cell Phone Protection: You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone for a maximum of up to $800 per claim with a limit of 2 approved claims per 12-month period. Terms apply.
- Purchase Protection: For Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date. Up to $10,000 per Covered Purchase, up to $50,000 per calendar year.
- Extended Warranty: When an American Express® Card Member charges a Covered Purchase with his or her Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty.
Earn & Redeem Points
- 5X POINTS On Flights: Booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year.
- 5X POINTS On Prepaid Hotels: Booked on AmexTravel.com.
- 1X POINTS On Other Purchases; Terms and limitations apply.
- Flights and Hotels: Use Points for flights and prepaid hotels, when you book on AmexTravel.com.
- Pay with Points: Use Pay with Points at Checkout to easily redeem points at places like Amazon.com, Grubhub, BestBuy.com, and more.
- Gift Cards: Redeem Points for gift cards. Want to celebrate with a dinner out? Get an outfit you feel good in? There are gift cards for all of that, and more. Choose from over 75 options.
Earn
Redeem
More Rewards & Pay with Points
- Membership Rewards® Program: As a Member, you seamlessly earn Membership Rewards® points on eligible purchases. See your point balance grow, then easily turn those points into vacations, gift cards, meals, household supplies, and more.
- Membership Rewards® – Pay with Points: For destinations around the globe, Membership Rewards® points can help you get there. Use Pay with Points for flights and prepaid hotels when you book on AmexTravel.com.
- Membership Rewards® Program – Transfer Points: Can’t get to the beach soon enough? Whether you’re dreaming of sunrise abroad or sunset on your favorite shore, American Express offers you the opportunity to transfer points to 20 airline and hotel travel partners.
Platinum card management
- Platinum Additional Cards: Whether you add an Additional Platinum Card or a Companion Card, you can earn rewards on their purchases the same way you do your own. Plus, their purchases will be backed by the service of Platinum Card® Membership.
- American Express® App: Whether you’re planning ahead or improvising in the moment, use the American Express® App for restaurant recommendations, trip itineraries, hotel bookings, and more.
- Send & Split®: You spend with Amex and now you can send with Amex— giving you more flexibility with how you pay other Venmo and PayPal users. Best part? There’s no standard Venmo or PayPal credit card fee‡ and you can do it right from the American Express® App.
- Year End Summary: The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.
Smartfinancialways insight
The American Express Platinum Card® is intended for frequent travelers who will take full use of its extensive travel privileges; believe me when I say that the benefits can make you feel like a VIP. While not everyone will find the exorbitant yearly fee for this traditional status card to be worthwhile, in the proper hands, the cost is readily justified.
Pros- This card comes with luxury perks and exclusive benefits all the way
- Earns one of the highest travel rewards rates of any American Express card
- This card provides access to over 20+ airline and hotel transfer partners, mainly through the Membership Rewards program
- Comes with cell phone protection against damage or theft up to $800 per claim with a limit of 2 approved claims per year
- Take advantage of Amex’s Global Lounge Collection
- No Foreign Transaction Fees
- Not all of the card’s niche perks and credits are practical for the average person, so the card may end up costing more than it’s worth
- It earns just 1X points on all non-travel spending, so it won’t make much sense if you want a standalone rewards card to cover everyday spending
- Has a high annual fee which is tailored towards frequently traveling and hotel booking customers
Other smart choices
- The Capital One Venture X Rewards Credit Card
- The Chase Sapphire Reserve® Card
- The Chase Sapphire Preferred® Card
Best for: Business cash back & financing + Intro APR
Smartfinancialways rating
4.5/5
Annual fee
$0
Intro Offer
$250
*after purchases of $3,000 in first 3 months
Total # of Employee Cards
99
*add up to 99 total Employee cards
Recommended credit score
690-850 (Good – Excellent)
Get your free credit score
Rewards rate
1% – 2%
2% cashback on purchases upto $50,000 per year, thereafter 1%
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
16.74% – 26.74% Variable APR
Card rewards breakdown
- Annual fee.
- Earn 2% cash Back on all eligible purchases on up to $50,000 per year, (then 1%).
- After $50,000 spending cap per calender year, earn 1% cash back on other purchases.
- Statement Credit after you spend $3,000 in purchases on your Card in your first 3 months of Card Membership.
Card details
Blue Business Cash Card fees
- No Annual Fee.
- Balance Transfer: If eligible, either $5 or 3% of the amount of each transfer, whichever is greater.
- Foreign Transaction: 2.7% of each transaction after conversion to US dollars.
Blue Business Cash Card APRs
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 26.74%, based on your creditworthiness.
Blue Business Cash Card Rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- Earn 1% cash back on purchases after spending $50,000 per calender year. Cash back earned is automatically credited to your statement.
Blue Business Cash Card Benefits & Features
- Option to spend above your credit limit with Expanded Buying Power: As business needs evolve, your spending power should too. Expanded Buying Power gives you the freedom to spend above your credit limit and get the business done.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- Car Rental Loss and Damage Insurance: As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver(CDW) at the Rental Company counter.
- Global Assist® Hotline: Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
- Employee Cards: Add Employee Blue Business Cash™ Cards and you can earn cash back on employee purchases in the same way you do on your own Card.
- Connect to QuickBooks®: Connect to QuickBooks can help you manage your employee Business Card expenses easily.
- Account Manager: When you designate an Account Manager, you can allow trusted individuals – like an assistant or business partner – to access and manage your Business Card account.
- Year-End Summary: At the start of each year, we provide access to a Year-End Summary of charges so you can review your annual spending.
- Year-End Summary: Log into your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories like travel and restaurants.
- Vendor Pay by Bill.com: Enhance cash flow management and take advantage of Card benefits when you use your Card to pay bills with Vendor Pay by Bill.com.
- American Express® App: Track spending and rewards, find an airport lounge, make a payment, and get important account alerts in real-time with the American Express® App.
- Extended Warranty: Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less.
- Purchase Protection: You may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase.
- Dispute Resolution: If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
Cash Flow Flexibility
Travel
Expense Management Tools
Additional Services
Smartfinancialways insight
The American Express Blue Business Cash™ Card is an excellent option for small businesses with an annual spending of around $50,000 or less, providing a valuable combination of automatic cash back and financing capabilities. It features a 0% introductory APR on purchases, which is beneficial for funding business expenses. Since your business is always evolving—from workflows to inventory and layouts—you have the advantage of spending above your credit limit with Expanded Buying Power. The extra amount you can utilize beyond your limit is adaptable, reflecting your card usage, payment history, credit profile, and other relevant factors. However, it’s important to note that the spending capacity with Expanded Buying Power is not limitless.
Pros- Intro APR period on purchases
- High cash-back rewards rate
- New member bonus offer
- Expanded Buying Power feature gives business owners more flexibility if they need to go over their credit limit for an unexpected expense
- $50,000 spending cap per year for 2% category limits your reward earning potential
- Besides the Expanded Buying Power feature, there are limited cardholder perks
- 2.7% foreign transaction fee can add up and cut into your rewards earnings if you conduct business overseas
Other smart choices
- The Ink Business Cash® Credit Card
- The Ink Business Preferred℠ Credit Card
Best for: Business card for ease-of-use
Smartfinancialways rating
4.2/5
Annual fee
$0
Rewards rate
1.5%
Cashback on every purchase
Intro offer
Earn $750 cash back
Recommended credit score
670-850 (Good – Excellent)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
16.74% to 24.74%*
*Promo offers may be available from time to time on some accounts
Regular APR
16.74% – 24.74% Variable APR
Card rewards breakdown
- No annual fee.
- 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.
- Introductory APR for 12 months on purchases.
- Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink Unlimited card.
Card details
Ink Business Unlimited® Credit Card Awards
- Nerdwallet Best-Of Awards 2026: 2026 winner of Nerdwallet’s Best of Awards for Best Small-Business Credit Card.
Fees
- No Annual Fee.
- Chase Pay Over Time Fee: 0% of the amount of each eligible purchase transaction or amount selected to create a Chase Pay Over Time plan while in the 0% Intro Purchase APR period. After that, monthly fee up to 1.72% of the eligible purchase transaction.
- Balance Transfers: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advances: Either $15 or 5% of the amount of each transaction, whichever is greater.
- Foreign Transactions: 3% of the amount of each transaction in U.S. dollars.
Intro & regular APRs
- Purchase APR: 0% intro APR for 12 months from account opening on purchases. After that, 16.74%–24.74% variable APR based on your creditworthiness and other factors.
- Balance transfer APR: 16.74% to 24.74%, based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate.
- My Chase Loan APR: 16.74% to 24.74%, based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate.
- Cash Advance APR: 28.49%. This APR will vary with the market based on the Prime Rate.
Ink Business Unlimited® Credit Card Rewards
- Earn $750 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.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- 5% total cash back on Lyft rides: Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink Business Unlimited card.
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Travel: Access to millions of flights, over 300k places to stay, and thousands of activities when you book through Chase Travel.
- Apple® Ultimate Rewards Store: Boost office productivity with a technology refresh. Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.
- Gift Cards: Chase offers over 150 of your favorite gift card brands including hotels, office supply stores, electronics and more.
Ink Business Unlimited® Credit Card Benefits
- Auto Rental Coverage: Decline the rental company’s collision insurance and charge the entire rental cost to your card. It provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Travel and Emergency Assistance: If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services.
- Roadside Assistance: If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- 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.
Travel & purchase coverage
Protection
Smartfinancialways insight
For those seeking simplicity, the Ink Business Unlimited® Credit Card may be the ideal solution. It features an easy-to-follow cash-back rewards system along with a substantial welcome bonus, all without an annual fee. Additionally, business owners planning to make a significant purchase will find the card’s introductory APR beneficial: Enjoy a 0% introductory APR on purchases for the first 12 months, after which a variable APR ranging from 16.74% to 24.74% takes effect for purchases and balance transfers. Please note, a balance transfer fee of either $5 or 5% of the transferred amount, depending on which is higher, will apply.
Pros- No annual fee ever
- It offers a solid flat cash back rate for a business card
- Use intro APR to free up cash flow or finance large business purchases while minimizing interest charges
- The card’s welcome offer carries a high spending requirement of $6000
- Not suitable for small scale business owners
- 3% foreign transaction fee can become a hassle for conducting business abroad
Other smart choices
- The Ink Business Cash® Credit Card
- The Ink Business Preferred℠ Credit Card