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THE MORE YOU SPEND THE MORE YOUR EARN: REWARDS CARDS TO FIT YOUR NEEDS

Learn the basics about rewards cards, then see our Nerds’ standout picks of
2023.




DREAMING OF MORE CASH IN YOUR POCKET OR A BIG VACATION?

A REWARDS CARD COULD HELP YOU REACH THOSE GOALS. REWARDS CARDS COME IN TWO MAIN
VARIETIES:

 * Cash-back cards pay you back a percentage of the amount of each transaction.
 * Travel rewards credit cards give you points (or miles) for each dollar you
   spend; you redeem those rewards for free flights, hotel stays, and more.



TO DETERMINE WHETHER A REWARDS CARD IS RIGHT FOR YOU, YOU’LL NEED TO CONSIDER:

 * Your credit score: The best rewards credit cards require good to excellent
   credit — usually a credit score of 690 or above — but there are options for
   fair or even bad credit out there. Keep in mind, however, that this list is
   geared toward those in the good to excellent range.
 * Your monthly balance carryover: A rewards card only makes sense if you pay
   your bill in full every month. If you carry a balance, the interest will wipe
   out the value of your rewards and you may want to look into a low-interest
   credit card or a balance-transfer credit card.
 * Lifestyle and goals: You'll also want to make sure your card rewards you for
   the kind of spending you do and gives benefits you can actually use. For
   example, earning 5% cash back on home improvement stores might not do much
   for someone who lives in a small studio apartment. And if you never travel,
   airline miles are pretty much worthless.

At the end of the day, 'best' really is a personal matter.


Apply Now

on Wells Fargo's website

Rates & Fees


WELLS FARGO ACTIVE CASH® CARD

5.0

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account the type of card being reviewed (such as cash back, travel or
balance transfer) and the card's rates, fees, rewards and other features.
Apply Now

on Wells Fargo's website

Rates & Fees
Annual fee

$0

Rewards rate

2%Earn unlimited 2% cash rewards on purchases

Cashback

Intro offer

$200Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
first 3 months.

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * High rewards rate
 * No annual fee
 * Intro APR period

Cons

 * No bonus categories

Pros

 * High rewards rate
 * No annual fee
 * Intro APR period

Cons

 * No bonus categories

 * Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
   first 3 months
 * Earn unlimited 2% cash rewards on purchases
 * 0% intro APR for 15 months from account opening on purchases and qualifying
   balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance
   transfers made within 120 days qualify for the intro rate and fee of 3% then
   a BT fee of up to 5%, min: $5
 * $0 annual fee
 * No categories to track or remember and cash rewards don't expire as long as
   your account remains open
 * Enjoy a premium collection of benefits at a selection of the world's most
   intriguing and prestigious hotel properties with Visa Signature Concierge
 * Get up to $600 of cell phone protection against damage or theft when you pay
   your monthly cell phone bill with your eligible Wells Fargo card (subject to
   a $25 deductible).
 * Select "Apply Now" to learn more about the product features, terms and
   conditions
 * View Rates and Fees

Annual fee

$0

Rewards rate

2%Earn unlimited 2% cash rewards on purchases

Cashback

Intro offer

$200Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
first 3 months.

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * High rewards rate
 * No annual fee
 * Intro APR period

Cons

 * No bonus categories

Pros

 * High rewards rate
 * No annual fee
 * Intro APR period

Cons

 * No bonus categories

 * Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
   first 3 months
 * Earn unlimited 2% cash rewards on purchases
 * 0% intro APR for 15 months from account opening on purchases and qualifying
   balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance
   transfers made within 120 days qualify for the intro rate and fee of 3% then
   a BT fee of up to 5%, min: $5
 * $0 annual fee
 * No categories to track or remember and cash rewards don't expire as long as
   your account remains open
 * Enjoy a premium collection of benefits at a selection of the world's most
   intriguing and prestigious hotel properties with Visa Signature Concierge
 * Get up to $600 of cell phone protection against damage or theft when you pay
   your monthly cell phone bill with your eligible Wells Fargo card (subject to
   a $25 deductible).
 * Select "Apply Now" to learn more about the product features, terms and
   conditions
 * View Rates and Fees

Annual fee

$0

Rewards rate

2%Earn unlimited 2% cash rewards on purchases

Cashback

Intro offer

$200Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
first 3 months.

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * High rewards rate
 * No annual fee
 * Intro APR period

Cons

 * No bonus categories

Pros

 * High rewards rate
 * No annual fee
 * Intro APR period

Cons

 * No bonus categories

Show More

 * Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
   first 3 months
 * Earn unlimited 2% cash rewards on purchases
 * 0% intro APR for 15 months from account opening on purchases and qualifying
   balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance
   transfers made within 120 days qualify for the intro rate and fee of 3% then
   a BT fee of up to 5%, min: $5
 * $0 annual fee
 * No categories to track or remember and cash rewards don't expire as long as
   your account remains open
 * Enjoy a premium collection of benefits at a selection of the world's most
   intriguing and prestigious hotel properties with Visa Signature Concierge
 * Get up to $600 of cell phone protection against damage or theft when you pay
   your monthly cell phone bill with your eligible Wells Fargo card (subject to
   a $25 deductible).
 * Select "Apply Now" to learn more about the product features, terms and
   conditions
 * View Rates and Fees

Why we like it?

WELLS FARGO ACTIVE CASH® CARD

Excellent for: high flat rate cash back and incentives. Not many cash-back
credit cards earn 2% back on all purchases, but the $0-annual-fee Wells Fargo
Active Cash® Card offers that and much more, including: a sign-up bonus and an
intro APR period on new purchases and balance transfers.

Taken together, that's a value proposition that's difficult to find on other
cards in its class. It makes the Wells Fargo Active Cash® Card an ideal match
for those who prefer the ease of using one card whenever they shop.

True, other cards offer higher rewards rates in specific popular spending
categories like grocery stores and restaurants. But if you’re willing to manage
multiple cards at once, the Wells Fargo Active Cash® Card pairs well with a
variety of others.




Apply Now

on Capital One's website

Rates & Fees


CAPITAL ONE VENTURE REWARDS CREDIT CARD

4.7

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account the type of card being reviewed (such as cash back, travel or
balance transfer) and the card's rates, fees, rewards and other features.
Apply Now

on Capital One's website

Rates & Fees
Annual fee

$95

Rewards rate

2x-5xEarn 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

Intro offer

75,000Enjoy 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.

Miles

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * High rewards rate
 * Flexible rewards redemption

Cons

 * High annual fee
 * Rewards have limited flexibility
 * Requires good/excellent credit

Pros

 * High rewards rate
 * Flexible rewards redemption

Cons

 * High annual fee
 * Rewards have limited flexibility
 * Requires good/excellent credit

 * Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases
   within 3 months from account opening, equal to $750 in travel
 * Earn unlimited 2X miles on every purchase, every day
 * 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®
 * Enjoy two complimentary visits per year to Capital One Lounges or to 100+
   Plaza Premium Lounges through the Partner Lounge Network
 * 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
 * Use your miles to get reimbursed for any travel purchase—or redeem by booking
   a trip through Capital One Travel
 * Transfer your miles to your choice of 15+ travel loyalty programs

Annual fee

$95

Rewards rate

2x-5xEarn 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

Intro offer

75,000Enjoy 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.

Miles

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * High rewards rate
 * Flexible rewards redemption

Cons

 * High annual fee
 * Rewards have limited flexibility
 * Requires good/excellent credit

Pros

 * High rewards rate
 * Flexible rewards redemption

Cons

 * High annual fee
 * Rewards have limited flexibility
 * Requires good/excellent credit

 * Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases
   within 3 months from account opening, equal to $750 in travel
 * Earn unlimited 2X miles on every purchase, every day
 * 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®
 * Enjoy two complimentary visits per year to Capital One Lounges or to 100+
   Plaza Premium Lounges through the Partner Lounge Network
 * 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
 * Use your miles to get reimbursed for any travel purchase—or redeem by booking
   a trip through Capital One Travel
 * Transfer your miles to your choice of 15+ travel loyalty programs

Annual fee

$95

Rewards rate

2x-5xEarn 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

Intro offer

75,000Enjoy 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.

Miles

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * High rewards rate
 * Flexible rewards redemption

Cons

 * High annual fee
 * Rewards have limited flexibility
 * Requires good/excellent credit

Pros

 * High rewards rate
 * Flexible rewards redemption

Cons

 * High annual fee
 * Rewards have limited flexibility
 * Requires good/excellent credit

Show More

 * 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
 * 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®
 * Enjoy two complimentary visits per year to Capital One Lounges or to 100+
   Plaza Premium Lounges through the Partner Lounge Network
 * 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
 * Use your miles to get reimbursed for any travel purchase—or redeem by booking
   a trip through Capital One Travel
 * Transfer your miles to your choice of 15+ travel loyalty programs

WHY WE LIKE IT?

CAPITAL ONE VENTURE REWARDS CREDIT CARD

Excellent for: high flat rate travel rewards. The Capital One Venture Rewards
Credit Card is one of the most popular credit cards on the market — and not just
because it's one of the most heavily advertised. Unlike the airline-branded
cards it was designed to compete against, it pays a high rewards rate on every
purchase (not just on travel spending), and you can use its rewards to pay for
any travel expense, without any restrictions on when you travel, which airline
you fly or which hotel you stay at. Throw in a big bonus for new cardholders,
and it's no wonder this card is a favorite of so many people.

If you want travel rewards that are easy to earn, easy to understand and nearly
effortless to redeem, you aren't going to find many travel credit cards better
than this one.




Apply Now

on Capital One's website

Rates & Fees


CAPITAL ONE SAVORONE CASH REWARDS CREDIT CARD

5.0

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account the type of card being reviewed (such as cash back, travel or
balance transfer) and the card's rates, fees, rewards and other features.
Apply Now

on Capital One's website

Rates & Fees
Annual fee

$0

Rewards rate

1%-10%Earn unlimited 3% cash back on dining, entertainment, popular streaming
services and at grocery stores (excluding superstores like Walmart® and
Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One
Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars
booked through Capital One Travel, where you'll get Capital One's best prices on
thousands of trip options. Earn 10% cash back on purchases made through Uber &
Uber Eats, plus complimentary Uber One membership statement credits through
11/14/2024. Terms apply.

Cashback

Intro offer

$200Earn a one-time $200 cash bonus after you spend $500 on purchases within the
first 3 months from account opening.

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

 * Requires good/excellent credit

Pros

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

Cons

 * Requires good/excellent credit

 * Earn a one-time $200 cash bonus after you spend $500 on purchases within the
   first 3 months from account opening
 * Earn unlimited 3% cash back on dining, entertainment, popular streaming
   services and at grocery stores (excluding superstores like Walmart® and
   Target®), plus 1% on all other purchases
 * Earn 10% cash back on purchases made through Uber & Uber Eats, plus
   complimentary Uber One membership statement credits through 11/14/2024
 * Earn 8% cash back on Capital One Entertainment purchases
 * Earn unlimited 5% cash back on hotels and rental cars booked through Capital
   One Travel, where you'll get Capital One's best prices on thousands of trip
   options. Terms apply
 * No rotating categories or sign-ups needed to earn cash rewards; plus cash
   back won't expire for the life of the account and there's no limit to how
   much you can earn
 * 0% intro APR on purchases and balance transfers for 15 months; 19.24% -
   29.24% variable APR after that; 3% fee on the amounts transferred within the
   first 15 months
 * No foreign transaction fee
 * No annual fee

Annual fee

$0

Rewards rate

1%-10%Earn unlimited 3% cash back on dining, entertainment, popular streaming
services and at grocery stores (excluding superstores like Walmart® and
Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One
Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars
booked through Capital One Travel, where you'll get Capital One's best prices on
thousands of trip options. Earn 10% cash back on purchases made through Uber &
Uber Eats, plus complimentary Uber One membership statement credits through
11/14/2024. Terms apply.

Cashback

Intro offer

$200Earn a one-time $200 cash bonus after you spend $500 on purchases within the
first 3 months from account opening.

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

 * Requires good/excellent credit

Pros

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

Cons

 * Requires good/excellent credit

 * Earn a one-time $200 cash bonus after you spend $500 on purchases within the
   first 3 months from account opening
 * Earn unlimited 3% cash back on dining, entertainment, popular streaming
   services and at grocery stores (excluding superstores like Walmart® and
   Target®), plus 1% on all other purchases
 * Earn 10% cash back on purchases made through Uber & Uber Eats, plus
   complimentary Uber One membership statement credits through 11/14/2024
 * Earn 8% cash back on Capital One Entertainment purchases
 * Earn unlimited 5% cash back on hotels and rental cars booked through Capital
   One Travel, where you'll get Capital One's best prices on thousands of trip
   options. Terms apply
 * No rotating categories or sign-ups needed to earn cash rewards; plus cash
   back won't expire for the life of the account and there's no limit to how
   much you can earn
 * 0% intro APR on purchases and balance transfers for 15 months; 19.24% -
   29.24% variable APR after that; 3% fee on the amounts transferred within the
   first 15 months
 * No foreign transaction fee
 * No annual fee

Annual fee

$0

Rewards rate

1%-10%Earn unlimited 3% cash back on dining, entertainment, popular streaming
services and at grocery stores (excluding superstores like Walmart® and
Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One
Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars
booked through Capital One Travel, where you'll get Capital One's best prices on
thousands of trip options. Earn 10% cash back on purchases made through Uber &
Uber Eats, plus complimentary Uber One membership statement credits through
11/14/2024. Terms apply.

Cashback

Intro offer

$200Earn a one-time $200 cash bonus after you spend $500 on purchases within the
first 3 months from account opening.

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

 * Requires good/excellent credit

Pros

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

Cons

 * Requires good/excellent credit

Show More

 * Earn a one-time $200 cash bonus after you spend $500 on purchases within the
   first 3 months from account opening
 * Earn unlimited 3% cash back on dining, entertainment, popular streaming
   services and at grocery stores (excluding superstores like Walmart® and
   Target®), plus 1% on all other purchases
 * Earn 10% cash back on purchases made through Uber & Uber Eats, plus
   complimentary Uber One membership statement credits through 11/14/2024
 * Earn 8% cash back on Capital One Entertainment purchases
 * Earn unlimited 5% cash back on hotels and rental cars booked through Capital
   One Travel, where you'll get Capital One's best prices on thousands of trip
   options. Terms apply
 * No rotating categories or sign-ups needed to earn cash rewards; plus cash
   back won't expire for the life of the account and there's no limit to how
   much you can earn
 * 0% intro APR on purchases and balance transfers for 15 months; 19.24% -
   29.24% variable APR after that; 3% fee on the amounts transferred within the
   first 15 months
 * No foreign transaction fee
 * No annual fee

Why we like it?

CAPITAL ONE SAVORONE CASH REWARDS CREDIT CARD

Excellent for: 3% cash back on dining, entertainment, and grocery. If your
recycling bin runneth over with takeout containers or grocery bags, the
$0-annual-fee Capital One SavorOne Cash Rewards Credit Card is an excellent
choice. It offers an unlimited 3% cash back on dining and at grocery stores, as
well as on entertainment and eligible streaming services. You'll get 1% back on
everything else.

The potential to earn such a rich rate on both eating out and eating in helps
separate this card from many of its competitors, which tend to focus on one
category or the other. Higher rates certainly exist, but typically not on one
card, and rarely without an annual fee.




Apply Now

on Chase's website

Rates & Fees


CHASE FREEDOM UNLIMITED®

5.0

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account the type of card being reviewed (such as cash back, travel or
balance transfer) and the card's rates, fees, rewards and other features.
Apply Now

on Chase's website

Rates & Fees
Annual fee

$0

Rewards rate

1.5%-6.5%Enjoy 6.5% cash back on travel purchased through Chase Ultimate
Rewards®; 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 Chase travel purchased through Ultimate Rewards®,
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.

Cashback

Intro offer

$300Earn 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!

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * No annual fee
 * Intro APR period
 * High rewards rate
 * No minimum redemption amount

Cons

 * Requires good/excellent credit

Pros

 * No annual fee
 * Intro APR period
 * High rewards rate
 * No minimum redemption amount

Cons

 * Requires good/excellent credit

 * 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 Ultimate Rewards®, 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 Chase travel
   purchased through Ultimate Rewards®, 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!
 * Enjoy 0% Intro APR for 15 months from account opening on purchases and
   balance transfers, then a variable APR of 19.49% - 28.24%.
 * 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, real-time alerts, and more.

Annual fee

$0

Rewards rate

1.5%-6.5%Enjoy 6.5% cash back on travel purchased through Chase Ultimate
Rewards®; 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 Chase travel purchased through Ultimate Rewards®,
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.

Cashback

Intro offer

$300Earn 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!

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * No annual fee
 * Intro APR period
 * High rewards rate
 * No minimum redemption amount

Cons

 * Requires good/excellent credit

Pros

 * No annual fee
 * Intro APR period
 * High rewards rate
 * No minimum redemption amount

Cons

 * Requires good/excellent credit

 * 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 Ultimate Rewards®, 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 Chase travel
   purchased through Ultimate Rewards®, 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!
 * Enjoy 0% Intro APR for 15 months from account opening on purchases and
   balance transfers, then a variable APR of 19.49% - 28.24%.
 * 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, real-time alerts, and more.

Annual fee

$0

Rewards rate

1.5%-6.5%Enjoy 6.5% cash back on travel purchased through Chase Ultimate
Rewards®; 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 Chase travel purchased through Ultimate Rewards®,
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.

Cashback

Intro offer

$300Earn 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!

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

 * No annual fee
 * Intro APR period
 * High rewards rate
 * No minimum redemption amount

Cons

 * Requires good/excellent credit

Pros

 * No annual fee
 * Intro APR period
 * High rewards rate
 * No minimum redemption amount

Cons

 * Requires good/excellent credit

Show More

 * 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 Ultimate Rewards®, 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 Chase travel
   purchased through Ultimate Rewards®, 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!
 * Enjoy 0% Intro APR for 15 months from account opening on purchases and
   balance transfers, then a variable APR of 19.49% - 28.24%.
 * 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, real-time alerts, and more.

Why we like it?

CHASE FREEDOM UNLIMITED®

Excellent for: cash back pairing with Chase Sapphire Preferred®. The Chase
Freedom Unlimited® offers a compelling combination of valuable rewards, flexible
redemption options, a lengthy 0% introductory APR period and a sign-up bonus
that’s worth more than most cash-back cards offer — all for an annual fee of $0.

The Chase Freedom Unlimited® earns 3% cash back on restaurants and drugstore
purchases, 5% back on travel booked through Chase and 1.5% back on other
purchases. Put that together and you have a card that can really pile up the
cash back. And if you carry other credit cards that also earn Chase Ultimate
Rewards® points, it packs even more value.

While different rewards rates make the card more complicated than competitors
that offer a simpler 1.5% back on everything, if you make it your default card
you’ll be sure to score those bonus rewards without having to think much about
it.

It’s why this card makes a strong case to be a one-card solution among cash-back
credit cards.




Apply Now

on Chase's website

Rates & Fees


CHASE SAPPHIRE PREFERRED® CARD

5.0

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account the type of card being reviewed (such as cash back, travel or
balance transfer) and the card's rates, fees, rewards and other features.
Apply Now

on Chase's website

Rates & Fees
Annual fee

$95

Rewards rate

1x-5xEnjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on
travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all
other travel purchases, plus more.

Points

Intro offer

60,000Earn 60,000 bonus points after you spend $4,000 on purchases in the first
3 months from account opening. That's $750 toward travel when you redeem through
Chase Ultimate Rewards®.

Points

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

 * Has annual fee
 * Requires good/excellent credit
 * Complicated rewards

Pros

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

Cons

 * Has annual fee
 * Requires good/excellent credit
 * Complicated rewards

 * 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
   Ultimate Rewards®.
 * Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on
   travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all
   other travel purchases, plus more.
 * Get 25% more value when you redeem for airfare, hotels, car rentals and
   cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth
   $750 toward travel.
 * Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision
   Damage Waiver, Lost Luggage Insurance and more.
 * Get complimentary access to DashPass which unlocks $0 delivery fees and lower
   service fees for a minimum of one year when you activate by December 31,
   2024.

Annual fee

$95

Rewards rate

1x-5xEnjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on
travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all
other travel purchases, plus more.

Points

Intro offer

60,000Earn 60,000 bonus points after you spend $4,000 on purchases in the first
3 months from account opening. That's $750 toward travel when you redeem through
Chase Ultimate Rewards®.

Points

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

 * Has annual fee
 * Requires good/excellent credit
 * Complicated rewards

Pros

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

Cons

 * Has annual fee
 * Requires good/excellent credit
 * Complicated rewards

 * 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
   Ultimate Rewards®.
 * Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on
   travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all
   other travel purchases, plus more.
 * Get 25% more value when you redeem for airfare, hotels, car rentals and
   cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth
   $750 toward travel.
 * Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision
   Damage Waiver, Lost Luggage Insurance and more.
 * Get complimentary access to DashPass which unlocks $0 delivery fees and lower
   service fees for a minimum of one year when you activate by December 31,
   2024.

Annual fee

$95

Rewards rate

1x-5xEnjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on
travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all
other travel purchases, plus more.

Points

Intro offer

60,000Earn 60,000 bonus points after you spend $4,000 on purchases in the first
3 months from account opening. That's $750 toward travel when you redeem through
Chase Ultimate Rewards®.

Points

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

 * Has annual fee
 * Requires good/excellent credit
 * Complicated rewards

Pros

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

Cons

 * Has annual fee
 * Requires good/excellent credit
 * Complicated rewards

Show More

 * 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
   Ultimate Rewards®.
 * Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on
   travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all
   other travel purchases, plus more.
 * Get 25% more value when you redeem for airfare, hotels, car rentals and
   cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth
   $750 toward travel.
 * Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision
   Damage Waiver, Lost Luggage Insurance and more.
 * Get complimentary access to DashPass which unlocks $0 delivery fees and lower
   service fees for a minimum of one year when you activate by December 31,
   2024.

Why we like it?

CHASE SAPPHIRE PREFERRED® CARD

Excellent for: travel rewards and bonus categories. For travelers, the
$95-annual-fee Chase Sapphire Preferred® Card stands out as a versatile and
valuable choice.

With this card, you can earn rewards — known as Ultimate Rewards® points — in a
variety of ways and redeem them strategically for travel, like transferring
those points to loyalty programs like United Airlines and Hyatt. And it
dovetails nicely with some other Chase cards that also earn Ultimate Rewards®
points.

Overall, it can be a little bit of a difficult card to use optimally — a Swiss
Army knife compared with the butter knife that simpler cards are. But it’s a
go-to card for travelers who delight in finding ways to reap big value from
their rewards.





Apply Now

on Wells Fargo's website

Rates & Fees


WELLS FARGO AUTOGRAPH℠ CARD

4.5

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formula
takes into account the type of card being reviewed (such as cash back, travel or
balance transfer) and the card's rates, fees, rewards and other features.
Apply Now

on Wells Fargo's website

Rates & Fees
Annual fee

$0

Rewards rate

1x-3xEarn unlimited 3X points on restaurants, travel, gas stations, transit,
popular streaming services and phone plans. Plus earn 1X points on other
purchases.

Points

Intro offer

20,000Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
months - that's a $200 cash redemption value.

Points

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

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

Pros

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

Cons

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

 * Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
   months - that's a $200 cash redemption value
 * Earn unlimited 3X points on the things that really add up - like restaurants,
   travel, gas stations, transit, popular streaming services, and phone plans.
   Plus, earn 1X points on other purchases
 * $0 annual fee
 * 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%,
   or 29.49% variable APR thereafter
 * Get up to $600 of cell phone protection against damage or theft when you pay
   your monthly cell phone bill with your eligible Wells Fargo card (subject to
   a $25 deductible).
 * Redeem your rewards points for travel, gift cards, or statement credits. Or
   shop at millions of online stores and redeem your rewards when you check out
   with PayPal.
 * Enjoy a premium collection of benefits at a selection of the world's most
   intriguing and prestigious hotel properties with Visa Signature Concierge.
 * Select "Apply Now" to learn more about the product features, terms and
   conditions.
 * View Rates and Fees

Annual fee

$0

Rewards rate

1x-3xEarn unlimited 3X points on restaurants, travel, gas stations, transit,
popular streaming services and phone plans. Plus earn 1X points on other
purchases.

Points

Intro offer

20,000Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
months - that's a $200 cash redemption value.

Points

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

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

Pros

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

Cons

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

 * Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
   months - that's a $200 cash redemption value
 * Earn unlimited 3X points on the things that really add up - like restaurants,
   travel, gas stations, transit, popular streaming services, and phone plans.
   Plus, earn 1X points on other purchases
 * $0 annual fee
 * 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%,
   or 29.49% variable APR thereafter
 * Get up to $600 of cell phone protection against damage or theft when you pay
   your monthly cell phone bill with your eligible Wells Fargo card (subject to
   a $25 deductible).
 * Redeem your rewards points for travel, gift cards, or statement credits. Or
   shop at millions of online stores and redeem your rewards when you check out
   with PayPal.
 * Enjoy a premium collection of benefits at a selection of the world's most
   intriguing and prestigious hotel properties with Visa Signature Concierge.
 * Select "Apply Now" to learn more about the product features, terms and
   conditions.
 * View Rates and Fees

Annual fee

$0

Rewards rate

1x-3xEarn unlimited 3X points on restaurants, travel, gas stations, transit,
popular streaming services and phone plans. Plus earn 1X points on other
purchases.

Points

Intro offer

20,000Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
months - that's a $200 cash redemption value.

Points

Recommended Credit Score
690850good - excellent
Get your free credit score
Get your free credit score

A credit score in or above the recommended range means you have a higher chance
of approval, but doesn’t guarantee it. Use this link to create an account and
connect your credit score with TransUnion to get an estimate of your approval
odds based on your credit score and other factors. Read more.

Pros & Cons

Product Details



Pros

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

Cons

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

Pros

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

Cons

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

Show More

 * Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
   months - that's a $200 cash redemption value
 * Earn unlimited 3X points on the things that really add up - like restaurants,
   travel, gas stations, transit, popular streaming services, and phone plans.
   Plus, earn 1X points on other purchases
 * $0 annual fee
 * 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%,
   or 29.49% variable APR thereafter
 * Get up to $600 of cell phone protection against damage or theft when you pay
   your monthly cell phone bill with your eligible Wells Fargo card (subject to
   a $25 deductible).
 * Redeem your rewards points for travel, gift cards, or statement credits. Or
   shop at millions of online stores and redeem your rewards when you check out
   with PayPal.
 * Enjoy a premium collection of benefits at a selection of the world's most
   intriguing and prestigious hotel properties with Visa Signature Concierge.
 * Select "Apply Now" to learn more about the product features, terms and
   conditions.
 * View Rates and Fees

Why we like it?

WELLS FARGO AUTOGRAPH℠ CARD

Excellent for: no cash back reward caps. If you'd love to earn valuable rewards
on your travel credit card but hate annual fees, consider the Wells Fargo
Autograph℠ Card The card is primarily positioned in the market as a travel
credit card because of its triple points on travel spending. But its other
bonus-reward categories are highly useful too. They include 3 points per dollar
spent at restaurants and gas stations, as well as on transit, streaming services
and phone plans. That makes this card a candidate to be a primary credit card to
carry with you, as well as one you can “set and forget” for recurring streaming
and phone payments. Plus, rewards are unlimited, which is a big deal for big
spenders.

You won’t get brand-specific perks like free checked bags that airline credit
cards offer, but a healthy sign-up bonus and nice-to-have cell phone insurance
add to its allure as a top pick.






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