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billion casino royal:The Motley Fool Ascent:
We recommend the best cards below because these are the cards we would (and do!) recommend to our friends and family. Many are the credit cards we use ourselves -- as you'll see 𝓰in our first-hand reviews below. And unlike other sites, we're not just putting cards we've been paid to put on our page.
On Wells Fargo's Secure Website.
On Wells Fargo's Secure Website.
On Wells Fargo's Secure Website.
Good/Excellent (670-850)
Intro APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 15 months from account opening
Balance Transfers: 0% intro APR🐼🐽, 15 months from account opening on qualifying balance transfers
20.24%, 25.24%, or 29.99% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewardsAnnual Fee N/A
$0Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewardsThis card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a generous intro APR offer. We simply haven’t come across this combination of top perks in one card before. billion casino royal:Read Full Review
On Discover's Secure Website.
On Discover's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
17.24% - 28.24% Variable APR
Rewards Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
1% - 5% CashbackAnnual Fee
$0Welcome Offer N/A
Discover will match all the cash back you’ve earned at the end of your first year.We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories (when you activate them, up to the quarterly maximum) and 1% on other purchases. billion casino royal:Read Full Review
billion casino royal:Capital One Venture Rewards Cre🦂dit Card
Great for: Travel rewardsOn Capital One's Secure Website.
On Capital One's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
19.99% - 29.99% (Variable)
Rewards 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.
2X-5X milesAnnual Fee
$95Welcome Offer 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
75,000 MilesThis is one of our top travel credit cards overall, because of its highly lucrative, yet dead simple rewards program. Earn unlimited 2X miles on every purchase and use them to get reimbursed for any travel purchase — or to book a trip through Capital One Travel. TSA Pre✓® credit and the opportunity to earn a massive 75,000 Miles sign-up bonus (worth $750 in travel) make this credit card one of the best travel companions. billion casino royal:Read Full Review
On Wells Fargo's Secure Website.
On Wells Fargo's Secure Website.
Good/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 2💙1 months from account opening on qualifying bal💯ance transfers
18.24%, 24.74%, or 29.99% Variable APR
Rewards
N/AAnnual Fee N/A
$0This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. The balance transfer fee (5%, min: $5) is higher than some cards — but if you want an equally long intro APR on purchases, then this card is hard to beat. billion casino royal:Read Full Review
billion casino royal:Blue Cash Preferred® Card from American Expre🐬ss
Great for: U.S gas stations & U.S. supermarketsOn American Express' Secure Website.
Terms applyOn American Express' Secure Website.
Terms applyGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
19.24%-29.99% Variable
Rewards 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.
1%-6% Cash BackAnnual Fee
$0 intro annual fee for the first year, then $95.Welcome Offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250This card offers market-leading cash back at U.S. Supermarkets. The welcome bonus and intro APR offer just sweeten the deal. Terms apply. If you spend at least $500 per month on groceries (excluding wholesale clubs and super-stores like Costco and Walmart), this card is worth considering. billion casino royal:Read Full Review
On Citi's Secure Website.
On Citi's Secure Website.
Fair to Excellent (580-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
19.24% - 29.24% (Variable)
Rewards 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1% - 5% cash backAnnual Fee
$0Welcome Offer Earn $200 in cash back after you spend $1500 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.
20,000 ThankYou® PointsWe love this card’s easy-to-use yet lucrative cash back program. Each billing cycle, cardholders earn 5% cash back in their top spend category (up to $500 spent in eligible categories). Eligible categories include grocery stores, restaurants, gas stations, select travel and more. The card automatically adjusts to your spending habits, which makes it easy to maximize your rewards. billion casino royal:Read Full Review
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
20.49%-29.24% Variable
Rewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
5% cash back offerAnnual Fee N/A
$0Welcome Offer Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
$200 bonusThis Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus. billion casino royal:Read Full Review
Bank of America® Customized Cash Rewards Secured c💛redit card
Great for: Longer 0% intro APR while rebuilding creditFair/New to Credit Under(669)
Intro APR
Purchases: N/A
Balance Transfers: N/A
28.24% (Variable)
Rewards Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
1% - 3% cash backAnnual Fee
$0Welcome Offer
N/AOn Discover's Secure Website.
On Discover's Secure Website.
Fair/New to Credit Under(669)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 10.99%, 6 months
18.24% - 27.24% Variable APR
Rewards 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
1% - 5% CashbackAnnual Fee
$0Welcome Offer N/A
Discover will match all the cash back you’ve earned at the end of your first year.Student credit cards are sometimes light on perks, but this Discover one might surprise you. You can earn 5% cash back on up to $1,500 of spending in rotating bonus categories -- just opt in every quarter. And earning 1% back on other purchases plus an innovative Unlimited Cashback Match welcome bonus makes this one worth considering for college students. billion casino royal:Read Full Review
Apply for the Wells Fargo Active Cash® Card (on Wells Fargo's website)
I originally got this card intending to use it only short term. I was taking on a home renovation project and its long financing period and rewards features helped with our costs. I ended up keeping it for the cell phone protection feature. Rachel Zinanti, Marketing Manager, The Motley Fool Ascent
Apply for the Discover it® Cash Back (on Discover's website)
I give Discover it® Cash Back top scores across the board... The quarterly 5% cash-back offers are set up really well to help me max out the cash back benefits. The app and website are easy to use, the fraud protection is helpful, and I've only had a few merchants over these three years not accept Discover. Allyson Wines, Head of Marketing, The Motley Fool
I mentioned above that this used to be in my wallet. Why not anymore? It was a lifestyle change. We had kiddos enter the picture, which meant less travel, which meant less utility from the card. But this will be top of my list wheꦉn that changes again, especially if it has a welcome bonus ♓like the current one.
Apply for the Capital One Venture Rewards Credit Card (on Capital One's website)
We were doing a lot of international travel, and the no foreign transaction fee was crucial -- this credit card was time and again the easiest way to pay in countries around the world, and getting solid exchange rates without the extra fee on top made it practical to use this card from Casablanca to Kyoto. Matt Koppenheffer, The Motley Fool
Apply for the Wells Fargo Reflect® Card (on Wells Fargo's website)
The 6% rate at supermarkets is the highest I've seen, and I've reviewed hundreds of cards. You're practically guaranteed to earn lots of caꦗsh back, which you can redeemღ as a statement credit.
Apply for the Blue Cash Preferred® Card from American Express (on American Express' website)
Apply for the Citi Custom Cash® Card (on Citi's website) (see )
Apply for the Discover it® Student Cash Back (on Discover's website)
The cost of a card comes in three forms: the annual fee to just have the card, the fees and penalties for missed or late payments, and the interest charges. . . Some cards have forgiveness for a single late payment. Some have no annual fee. Some charge low interest. Try to find cards that have all three. D'Arcy Becker, Ph.D., Department Chairperson and Professor of Accounting, on shoppers choosing the right card.
Though there are many different billion casino royal:types of credit cards, they all fall into certain categories ⭕based on th🦹eir features and rewards programs. Here are the main types of credit cards.
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Lots of people don't want to pay anything for a credit card, and fortunately, you don't need to. There are many billion casino royal:no annual fee cards you can add to your wallet without adding to your yearly bills. This type of card is a good choice if you're new to credit or rebuilding your credit. And even though these ♍cards don't have quite as many perks as those with an annual fee, they can still offer valuable benefits, including rewards and welcome offers.
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You need to pay a security deposit to open a secured credit card, which is typically used for rebuilding orbillion casino royal: building credit. The security deposit is often (but not always) equal t🍰o your starting credit limit. Even with the best credit cards for bad credit, high-quality secured credit cards usually graduate to unsecured cards. This means you get your deposit back if you make enough on-time payments.
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Opening one of these is best if you frequently shop at a particular retailer. But if you only shop there once or twice per year, billion casꦛino royal:store cards may not be worth it.
Card | Rating | Great For |
---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Overall top credit card with simple cash rewards | |
2024 Award Winner
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Rotating high cash back categories plus first-year cash back match |
2024 Award Winner
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Travel rewards |
2024 Award Winner
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Long matching 0% introductory offers |
2024 Award Winner
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: U.S gas stations & U.S. supermarkets |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Bonus cash back | |
2024 Award Winner
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: 0% offer plus rotating bonus category cash back |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Longer 0% intro APR while rebuilding credit | |
2024 Award Winner
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Earning high cash back while building credit |
Annual percentage rate (APR): The annual percentage rate is charged for carrying a balance on a credit card, expressed as an annual percentage. With credit cards, ♐the APR is the 🏅same as the interest rate.
Balance: The amount owed on a credit card,𒈔 including all unpaid transactions and fees. The balance at the end of a statement period is called the statement balance.
Balance transfer: Moving a balance from one credit card to another. This is usually done when the new card offers a lower APR. Not every credit card offers balance transfers, and many of the cards with this feature charge abillion casino royal: balance transfer fee.
Cash advance: Withdrawing cash from a credit card, most often through cash advance checks, using the card at an ATM, or by wiring money with the card. Cash advances usually have a higher APR and start accruing interest imme🦂diately, so it's a poor way to use a credit card.
Credit card: A billion casino royal:credit card is a payment card issued by a bank and conn🃏ected to a revolving line of credit. The cardholder can use their cred🦹it card for purchases and possibly other types of transactions, although this depends on the card.
Credit limit: The credit card's spending limit. This can vary based on the type of transaction. On credit cards that offer cash advances, there is typically a lower credit limit for cash advances than for purchases. A transaction that would exceed a card's credit limit will be declined unless the cardholder has opted to allow over-the-limit t𒀰ransactions (and any potential fees that come with them).
Credit score: A billion casino royal:credit score is a rating of a consumer's creditworthiness. The score indicates how likely it is that they will make bill payments on time and repay what they borrow. Credit scores are calculated based on thꦺe consumer's financial h𓆏istory.
Interest: A fee charged for borrowing money. The APR determines how much interest a credit card company can charge on balances. Use our billion casino royal:interest rate calculator to get a sense of how much interest adds to your monꦯthly bill.
Minimum payment: The minimum amount a cardholder can pay by the due date to🦄 remain current on their credit card bill and avoid a late fee.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of billion casino royal:publishing standards and editorial integr👍ity whil♌e maintaining professional separation from the analysts and editors on other Motley Fool brands.