6 Best Credit Cards of April 2024 (2024)

Wells Fargo Active Cash® Card

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

2% Cash Rewards

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

2% Cash Rewards

Bonus Offer

Accepted Credit

Excellent, Good

The best credit card overall is the Wells Fargo Active Cash® Card becauseit gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in the first 3 months and enjoy an introductory APR of 0% for 15 months from account opening on purchases and balance transfers.

What We Don’t Like:The regular APR is 20.24% - 29.99% Variable, so interest charges will be expensive if you carry a balance from month to month after the 0% introductory promotions expire. In addition, balance transfers are subject to a transfer fee of 3% intro for 120 days, then up to 5% (min $5).

Who Should Get It: Apply for Wells Fargo Active Cash if you have good credit or better, you want to earn cash back rewards at a flat rate on all purchases, and you plan to spend enough to qualify for its initial bonus.

To learn more about why this is the best credit card on the market right now, check out our complete Wells Fargo Active Cash review.

Rewards Details

• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.

Interest Rate Breakdown

Additional Info

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• More Details & Reviews About Wells Fargo Active Cash® Card

Wells Fargo Reflect® Card

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Accepted Credit

Excellent, Good

Why We Like It:The Wells Fargo Reflect® Card offers some of the best credit card rates available right now, giving introductory APRs of 0% for 21 months from account opening on purchases and 0% for 21 months from account opening on qualifying balance transfers. It also has a $0 annual fee.

What We Don’t Like:The regular APR can be rather high. Don’t forget to account for the card’s 5% (min $5) balance transfer fee, either.

Who Should Get It: Apply for Wells Fargo Reflect if you have a credit score of 700+ and you need months to pay off a big-ticket purchase or high-interest debt.

For more information, check out our complete Wells Fargo Reflect review.

Rewards Details

Interest Rate Breakdown

Additional Info

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
• $0 Annual Fee.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
• More Details & Reviews About Wells Fargo Reflect® Card

Wells Fargo Active Cash® Card

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

2% Cash Rewards

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

2% Cash Rewards

Bonus Offer

Accepted Credit

Excellent, Good

The best credit card overall is the Wells Fargo Active Cash® Card becauseit gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back.

Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in the first 3 months and enjoy an introductory APR of 0% for 15 months from account opening on purchases and balance transfers.

What We Don’t Like:The regular APR is 20.24% - 29.99% Variable, so interest charges will be expensive if you carry a balance from month to month after the 0% introductory promotions expire. In addition, balance transfers are subject to a transfer fee of 3% intro for 120 days, then up to 5% (min $5).

Who Should Get It: Apply for Wells Fargo Active Cash if you have good credit or better, you want to earn cash back rewards at a flat rate on all purchases, and you plan to spend enough to qualify for its initial bonus.

To learn more about why this is the best credit card on the market right now, check out our complete Wells Fargo Active Cash review.

Rewards Details

• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.

Interest Rate Breakdown

Additional Info

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• More Details & Reviews About Wells Fargo Active Cash® Card

Citi Simplicity® Card

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Accepted Credit

Excellent, Good

Why We Like It: The Citi Simplicity® Card offers an introductory APR of 0% for 21 months on balances transferred within four months of opening an account. The Citi Simplicity Card also has a $0 annual fee.

What We Don’t Like: This card charges a 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that. Plus, its regular APR is 19.24% - 29.99% (V).

Who Should Get It: Consider applying for the Citi Simplicity Card if you have a 700+ credit score and you want to save on interest charges.

Rewards Details

Interest Rate Breakdown

Additional Info

• The Citi Simplicity® Card is no longer available through WalletHub.com but may be available on the Citi website. Info about the card has been collected by us, the financial institution did not provide the details.
• No Late Fees, No Penalty Rate, and No Annual Fee... Ever
• 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
• Stay protected with Citi® Quick Lock
• More Details & Reviews About Citi Simplicity® Card

Chase Sapphire Preferred® Card

Regular APR

Annual Fee

$95

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Why We Like It:The Chase Sapphire Preferred Card offers one of the best initial bonuses on the market, especially for people who like to travel and do not mind booking accommodations through Chase. New cardholders who spend $4,000 within 3 months of opening an account receive a bonus of 60,000 points, redeemable for either a $600 statement credit or $750 in travel booked through Chase Travel. Add 1 - 5 points per $1 spent on purchases, and you’ve got a card well worth the cost of ownership.

What We Don’t Like:You will have to pay an annual fee of $95. If you carry a balance from month to month, interest charges will also be quite expensive.

Who Should Get It: Apply for Chase Sapphire Preferred if you have at least good credit, expect to spend at least $4,000 in the first 3 months your account is open, and plan to pay the bill in full monthly. Plus, you need to be comfortable booking at least some travel through Chase.

To learn more about why this is one of the best credit cards on the market right now, check out WalletHub’s complete Chase Sapphire Preferred Card Review.

Rewards Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Interest Rate Breakdown

Additional Info

• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC
• More Details & Reviews About Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

Regular APR

Annual Fee

$95

Rewards Rate

2 - 5 miles / $1

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

2 - 5 miles / $1

Bonus Offer

Accepted Credit

Excellent, Good

Why We Like It:The Capital One Venture Card offers an initial bonus of 75,000 miles for spending $4,000 within 3 months of opening an account. It also rewards users with double miles (at least) on purchases and doesn’t charge foreign transaction fees.

In addition, the Venture Card lets you use your miles to pay for any travel-related charges once they post to your account. That kind of redemption flexibility is especially helpful for people who like to shop around for the best deals on travel comparison sites.

What We Don’t Like:This card has a $95 annual fee, and carrying a balance from month to month will result in expensive interest charges.

Who Should Get It: Consider applying for the Capital One Venture Card if you have good or excellent credit and want to earn free flights, hotel nights and other travel accommodations without overspending or committing to a single travel provider.

To learn more about why Capital One Venture has been among WalletHub’s picks for the best overall credit cards each year since 2008, check out our complete Venture Card Review.

Rewards Details

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Interest Rate Breakdown

Additional Info

• More Details & Reviews About Capital One Venture Rewards Credit Card

Wells Fargo Active Cash® Card

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

2% Cash Rewards

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

2% Cash Rewards

Bonus Offer

Accepted Credit

Excellent, Good

The best credit card overall is the Wells Fargo Active Cash® Card becauseit gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back.

Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in the first 3 months and enjoy an introductory APR of 0% for 15 months from account opening on purchases and balance transfers.

What We Don’t Like:The regular APR is 20.24% - 29.99% Variable, so interest charges will be expensive if you carry a balance from month to month after the 0% introductory promotions expire. In addition, balance transfers are subject to a transfer fee of 3% intro for 120 days, then up to 5% (min $5).

Who Should Get It: Apply for Wells Fargo Active Cash if you have good credit or better, you want to earn cash back rewards at a flat rate on all purchases, and you plan to spend enough to qualify for its initial bonus.

To learn more about why this is the best credit card on the market right now, check out our complete Wells Fargo Active Cash review.

Rewards Details

• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.

Interest Rate Breakdown

Additional Info

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• More Details & Reviews About Wells Fargo Active Cash® Card

Blue Cash Preferred® Card from American Express

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0 intro 1st yr, $95 after

Rewards Rate

1 - 6% Cash Back

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

1 - 6% Cash Back

Bonus Offer

Accepted Credit

Excellent, Good

Why We Like It: The American Express Blue Cash Preferred card is one of the most rewarding everyday credit cards on the market at the moment. It’s best for people with good or excellent credit whose top expenses include U.S. streaming services, groceries at U.S. supermarkets, gas at U.S. gas stations, and transit purchases. Spending $3,000 within 6 months of opening an account will also earn you a $250 statement credit.Plus, there is a $0 intro annual fee the first year.

What We Don’t Like:The card has an annual fee of $95 from the second year on.

Who Should Get It: Apply for Blue Cash Preferred if you have good credit or better and plan to spend at least $1,600 per year in its bonus rewards categories. That’s all it takes for the card’s annual fee to be worth paying. Qualifying for the initial bonus offer will do the trick, too.

To learn more about why this is one of the best credit cards on the market right now, check out WalletHub’s complete Amex Blue Cash Preferred Review.

Rewards Details

• Earn a $250 statement credit after you spend $3,000 in 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.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

Interest Rate Breakdown

Additional Info

• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• More Details & Reviews About Blue Cash Preferred® Card from American Express

TD Double Up Credit Card

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

2% Cash Back

Bonus Offer

Accepted Credit

Excellent

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

2% Cash Back

Bonus Offer

Accepted Credit

Excellent

Why We Like It: The TD Double Up Credit Card is one of the best cash back credit cards with no
annual fee, as cardholders can earn 2% cash back on all purchases. It also offers an initial bonus of $150 after spending $1,000 in the first 90 days.

In addition, the TD Double Up Credit Card offers an introductory APR of 0% for 15 billing cycles on
balance transfers.

What We Don’t Like: The TD Double Up Credit Card has a regular APR of 20.24% - 30.24% (V) and a
transfer fee of 3% (min $5). Plus, it requires excellent credit for approval.

Who Should Get It: Consider applying for the TD Double Up Credit Card if you want to earn cash rewards on
purchases without paying an annual fee.

Rewards Details

• Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
• Earn unlimited 2% Cash Back on all eligible purchases
• No reward categories, no caps, no worries.​

Interest Rate Breakdown

Additional Info

• Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
• No annual fee
• Contactless Payments/Digital Wallet
• Instant credit card replacement
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
• More Details & Reviews About TD Double Up Credit Card

Chase Freedom Unlimited®

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

1.5 - 5% Cash Back

Accepted Credit

Excellent, Good

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

1.5 - 5% Cash Back

Accepted Credit

Excellent, Good

Why We Like It:TheChase Freedom Unlimited® is one of the best credit cards for cash back rewards with no annual fee. It offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).

New cardholders also enjoy introductory APRs of 0% for 15 months on new purchases and balance transfers.

What We Don’t Like:The regular APR is pretty high, and you have to book travel through Chase to get the top rewards rate.

Who Should Get It: Apply for Chase Freedom Unlimited if you have good credit or better and want a great all-around credit card – whether it’s going to be your only credit card or one of many.

You can learn more from our Chase Freedom Unlimited review.

Rewards Details

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

Interest Rate Breakdown

Additional Info

• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC
• More Details & Reviews About Chase Freedom Unlimited®

Capital One Savor Cash Rewards Credit Card *

Regular APR

Annual Fee

$95

Rewards Rate

1 - 5% Cash Back

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

1 - 5% Cash Back

Bonus Offer

Accepted Credit

Excellent, Good

Why We Like It:The Capital One Savor Cash Rewards Credit Card offers an initial bonus of $300 for spending $3,000 in the first 3 months. You will also earn 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats). Most cards only offer a fraction of the value that you can get from those rewards.

What We Don’t Like: The Capital One Savor Cash Rewards Credit Card has a high regular APR and an annual fee of $95. But as long as you earn the initial bonus, pay the bill in full monthly, and regularly make purchases in the card’s bonus categories, it will save you a significant amount of money.

Who Should Get It: Consider applying for the Capital One Savor Cash Rewards Credit Card if you have good credit or better and the card’s bonus rewards suit your spending habits. Alternatively, you can opt for the Capital One SavorOne Cash Rewards Credit Card (see Rates & Fees) if you don’t want to pay an annual fee.

Rewards Details

• Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening.
• Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
• Earn 8% cash back on Capital One Entertainment purchases.
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.

Interest Rate Breakdown

Additional Info

• Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
• No foreign transaction fees
• Capital One cardholders get access to premium experiences in dining, entertainment and more
• More Details & Reviews About Capital One Savor Cash Rewards Credit Card

Chase Sapphire Preferred® Card

Regular APR

Annual Fee

$95

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Why We Like It:The Chase Sapphire Preferred Card offers one of the best initial bonuses on the market, especially for people who like to travel and do not mind booking accommodations through Chase. New cardholders who spend $4,000 within 3 months of opening an account receive a bonus of 60,000 points, redeemable for either a $600 statement credit or $750 in travel booked through Chase Travel. Add 1 - 5 points per $1 spent on purchases, and you’ve got a card well worth the cost of ownership.

What We Don’t Like:You will have to pay an annual fee of $95. If you carry a balance from month to month, interest charges will also be quite expensive.

Who Should Get It: Apply for Chase Sapphire Preferred if you have at least good credit, expect to spend at least $4,000 in the first 3 months your account is open, and plan to pay the bill in full monthly. Plus, you need to be comfortable booking at least some travel through Chase.

To learn more about why this is one of the best credit cards on the market right now, check out WalletHub’s complete Chase Sapphire Preferred Card Review.

Rewards Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Interest Rate Breakdown

Additional Info

• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC
• More Details & Reviews About Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Regular APR

Annual Fee

$550

Rewards Rate

1 - 10 points / $1

Bonus Offer

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

1 - 10 points / $1

Bonus Offer

Accepted Credit

Excellent

Why We Like It:Chase Sapphire Reserve® is the best travel credit card for excellent credit because it offers valuable bonus rewards. For starters, Chase Sapphire Reserve has an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months. Cardholders can also earn up to $300 in annual travel credits, plus 1 - 10 points per $1 spent on purchases. There are plenty of other benefits, too, including access to 1,300+ airport lounges.

What We Don’t Like:This card has an annual fee of $550. As a result, you will need to use the card a lot in order to take full advantage of its rewards and other benefits if you want to get your money’s worth.

Who Should Get It: Consider applying for Chase Sapphire Reserve if you are a big-spender with a credit score of 750 or higher who travels very frequently.

You can learn more from our full-length Chase Sapphire Reserve Review.

Rewards Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Interest Rate Breakdown

Additional Info

• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC
• More Details & Reviews About Chase Sapphire Reserve®

Capital One Venture Rewards Credit Card

Regular APR

Annual Fee

$95

Rewards Rate

2 - 5 miles / $1

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

2 - 5 miles / $1

Bonus Offer

Accepted Credit

Excellent, Good

Why We Like It:The Capital One Venture Card offers an initial bonus of 75,000 miles for spending $4,000 within 3 months of opening an account. It also rewards users with double miles (at least) on purchases and doesn’t charge foreign transaction fees.

In addition, the Venture Card lets you use your miles to pay for any travel-related charges once they post to your account. That kind of redemption flexibility is especially helpful for people who like to shop around for the best deals on travel comparison sites.

What We Don’t Like:This card has a $95 annual fee, and carrying a balance from month to month will result in expensive interest charges.

Who Should Get It: Consider applying for the Capital One Venture Card if you have good or excellent credit and want to earn free flights, hotel nights and other travel accommodations without overspending or committing to a single travel provider.

To learn more about why Capital One Venture has been among WalletHub’s picks for the best overall credit cards each year since 2008, check out our complete Venture Card Review.

Rewards Details

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Interest Rate Breakdown

Additional Info

• More Details & Reviews About Capital One Venture Rewards Credit Card

Bank of America® Premium Rewards® credit card

Regular APR

Annual Fee

$95

Rewards Rate

1.5 - 2 points / $1

Bonus Offer

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

1.5 - 2 points / $1

Bonus Offer

Accepted Credit

Excellent

Why We Like It:The Bank of America® Premium Rewards® credit card is one of the best credit cards for bonus rewards, offering 60,000 points, worth $600, to new cardholders who spend at least $4,000 within 90 days of opening an account. There are some attractive ongoing bonus rewards for 2024, too: 2 points per $1 spent on travel and dining, and 1.5 points per $1 on all other purchases

What We Don’t Like:There is a $95 annual fee and a high APR. Both are common among top-tier rewards cards.

Who Should Get It: Apply for the Bank of America Premium Rewards credit card if you have a 750+ credit score, you can qualify for the initial bonus, and you regularly make purchases in the ongoing bonus rewards categories.

You can check out our complete review of the Bank of America Premium Rewards credit card to learn more.

Rewards Details

• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.

Interest Rate Breakdown

Additional Info

• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• Low $95 annual fee.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
• More Details & Reviews About Bank of America® Premium Rewards® credit card

Citi Double Cash® Card

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

2% Cash Back

Bonus Offer

Accepted Credit

Excellent, Good, Fair

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

2% Cash Back

Bonus Offer

Accepted Credit

Excellent, Good, Fair

Why We Like It:Citi Double Cash is one of the best cash back credit cards on the market thanks to its generous flat-rate rewards and low cost. The Double Cash Card has a $0 annual fee and gives a total of 2% cash back in rewards on all purchases, making it about 2X as rewarding as the average cash back credit card in 2024.

More specifically, cardholders earn 1% cash back in rewards on purchases, plus another 1% cash back when paying the card’s bill.New cardholders can also take advantage of a great initial bonus offer: $200 for spending $1,500 in the first 6 months.

What We Don’t Like:You don’t get the second half of your rewards until you pay the bill. The regular APR is pretty high, too.

Who Should Get It: Consider applying for Citi Double Cash if you want to earn straightforward rewards without sacrificing value.

To learn more about why this is such a good credit card, check outWalletHub’s complete Citi Double Cash Review.

Rewards Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Interest Rate Breakdown

Additional Info

• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• More Details & Reviews About Citi Double Cash® Card

Citi Custom Cash® Card

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

$0

Rewards Rate

1 - 5% Cash Back

Accepted Credit

Excellent, Good, Fair

Purchase intro APR

Transfer intro APR

Regular APR

Annual Fee

Rewards Rate

1 - 5% Cash Back

Bonus Offer

Accepted Credit

Excellent, Good, Fair

Why We Like It:TheCiti Custom Cash® Card is a very good card for people with fair credit because it gives you an initial bonus of $200 for spending $1,500 in the first 6 months and rewards you with 1 - 5% cash back on purchases. Plus, it comes with a $0 annual fee.

Citi Custom Cash also offers an introductory APR of 0% for 15 months on purchases and balance transfers.

What We Don’t Like:Citi Custom Cash has a regular APR of 19.24% - 29.24% (V) and a transfer fee of 5% (min $5).

Who Should Get It: Consider applying for Citi Custom Cash if you have fair credit and want to earn bonus cash rewards on purchases.

Rewards Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

Interest Rate Breakdown

Additional Info

• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.
• More Details & Reviews About Citi Custom Cash® Card

Discover it® Secured Credit Card

One-Time Fees

Regular APR

Annual Fee

$0

Monthly Fee

Rewards Rate

1 - 2% Cash Back

Accepted Credit

Limited History, Bad

One-Time Fees

Regular APR

Annual Fee

Monthly Fee

Rewards Rate

1 - 2% Cash Back

Accepted Credit

Limited History, Bad

Why We Like It:Discover it® Secured Credit Card is the best secured credit card out there, and one of the best credit cards for anyone looking to build credit, because it has a $0 annual fee and rewards cardholders with 1 - 2% cash back on purchases.

Cardholders earn 2% cash back at gas stations and restaurants, up to $1,000 spent per quarter, along with 1% cash back on all other purchases. Plus, all the rewards you earn the first year your account is open get doubled by Discover as an account anniversary gift.

What We Don’t Like:You need to place a refundable security deposit of at least $200. The amount you put down becomes your spending limit.

Who Should Get It: Apply for Discover it Secured Credit Card if you have bad credit and want to earn rewards while you fix it.

You can check out our complete Discover it Secured Credit Card review for more information.

Rewards Details

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Interest Rate Breakdown

Additional Info

• No credit score required to apply.
• No Annual Fee, earn cash back, and build your credit history.
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
• Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
• Terms and conditions apply.
• More Details & Reviews About Discover it® Secured Credit Card

Chase Freedom Rise℠

Regular APR

Annual Fee

$0

Rewards Rate

1.5% Cash Back

Accepted Credit

Excellent, Good, Limited History

Regular APR

Annual Fee

Rewards Rate

1.5% Cash Back

Accepted Credit

Excellent, Good, Limited History

Why We Like It: The Chase Freedom Rise℠ has a $0 annual fee, reports to the three major credit bureaus each month, and gives 1.5% cash back on all purchases. It also accepts applicants with limited or no credit history. That package is pretty much all you could hope for from a starter credit card in 2024.

What We Don’t Like: The card has a high APR.

Who Should Get It: Consider applying for the Chase Freedom Rise℠ if you have limited credit history and don’t anticipate issues paying the bill on time every month.

Rewards Details

• Earn Cash Back - With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases.
• Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.

Interest Rate Breakdown

Additional Info

• Increase your approval chances - Having a Chase checking account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise℠
• Credit Limit Increase - As a Chase cardmember, you'll be evaluated for a credit line increase in as soon as 6 months.
• Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
• No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise℠ card.
• Member FDIC
• More Details & Reviews About Chase Freedom Rise℠

Capital One QuicksilverOne Cash Rewards Credit Card

Regular APR

Annual Fee

$39

Rewards Rate

1.5 - 5% Cash Back

Accepted Credit

Fair, Limited History

Regular APR

Annual Fee

Rewards Rate

1.5 - 5% Cash Back

Accepted Credit

Fair, Limited History

Why We Like It:The Capital One QuicksilverOne Card gives unlimited 1.5% cash back across all purchases. That’s way above average, and for all cards, too – not just starter cards for people with limited-to-fair credit.

What We Don’t Like:There is an annual fee of $39. Carrying a balance from month to month would be expensive, too.

Who Should Get It: Consider applying for Capital One QuicksilverOne if you expect to spend at least $2,600 per year and pay your bill in full every month. If you do that, you’ll earn enough in rewards to cover the cost of the card’s fee, according to our calculations.

To learn more about why this is one of the best credit cards on the market right now, check out WalletHub’s complete Capital One QuicksilverOne review.

Rewards Details

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Interest Rate Breakdown

Additional Info

• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Help strengthen your credit for the future with responsible card use
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• More Details & Reviews About Capital One QuicksilverOne Cash Rewards Credit Card

Petal® 2 Visa® Credit Card

Regular APR

Annual Fee

$0

Rewards Rate

1 - 1.5% Cash Back

Accepted Credit

Excellent, Good, Fair, Limited History

Regular APR

Annual Fee

Rewards Rate

1 - 1.5% Cash Back

Accepted Credit

Excellent, Good, Fair, Limited History

Why We Like It:The Petal® 2 Visa® Credit Card rewards cardholders with 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time.

What We Don’t Like:The card has a high APR, so carrying a balance from month to month would generate expensive interest charges.

Who Should Get It: Consider applying for the Petal 2 Card if you have limited credit, you want to earn cash rewards on all purchases, and you plan to pay the bill on time each month.

Rewards Details

• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away
• 2% - 10% cash back at select merchants

Interest Rate Breakdown

Additional Info

• No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
• Variable APRs range from 18.24% - 32.24%
• $300 - $10,000 credit limits
• No credit score? No problem. If eligible, we'll create your Cash Score instead.
• See if you're pre-approved within minutes without impacting your credit score.
• Build credit alongside hundreds of thousands of Petal card members.
• Petal reports to all 3 major credit bureaus.
• No deposits required
• Card issued by WebBank
• More Details & Reviews About Petal® 2 Visa® Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Regular APR

Annual Fee

$0

Rewards Rate

1 - 8% Cash Back

Bonus Offer

Accepted Credit

Fair, Limited History

Regular APR

Annual Fee

Rewards Rate

1 - 8% Cash Back

Bonus Offer

Accepted Credit

Fair, Limited History

Why We Like It:The Capital One SavorOne Student Cash Rewards Credit Card offers better rewards than other credit cards for students with limited credit, and it doesn’t even charge an annual fee. The card’s rewards package includes an initial bonus of $50 for spending $100 in the first 3 months and ongoing rewards of 1 - 8% cash back. Cardholders also enjoy $0 foreign transaction fees.

What We Don’t Like:The card has high regular APR. Carrying a balance from month to month will erode your savings from rewards.

Who Should Get It: Apply for this card if you are a college student with limited credit.

Rewards Details

• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
• Early Spend Bonus: Earn $50 when you spend $100 in the first three months
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal

Interest Rate Breakdown

Additional Info

• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Enjoy no annual fee, foreign transaction fees, or hidden fees
• Build your credit with responsible card use
• Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
• More Details & Reviews About Capital One SavorOne Student Cash Rewards Credit Card

Capital One Spark 2% Cash Plus *

Regular APR

Annual Fee

$150

Rewards Rate

2 - 5% Cash Back

Bonus Offer

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

2 - 5% Cash Back

Bonus Offer

Accepted Credit

Excellent

Why We Like It:Capital One Spark 2% Cash Plus is the best business credit card right now, in part because new cardholders can get an initial bonus of $1,200 for spending $30,000 in the first 3 months. Capital One Spark 2% Cash Plus also gives 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 2% cash back on all other purchases.

What We Don’t Like: There is a $150 annual fee, and you have to pay the bill in full every month.

Who Should Get It: Business owners with excellent personal credit who want to earn unlimited cash back rewards on everyday purchases should consider applying.

Rewards Details

• Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Add employee cards for free, and earn unlimited 2% cash back from their purchases

Interest Rate Breakdown

Additional Info

• Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
• Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
• Get your $150 annual fee refunded every year you spend at least $150,000.
• Spark 2% Cash Plus has no APR because your balance is due in full every month
• More Details & Reviews About Capital One Spark 2% Cash Plus