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Credit Cards
Credit Cards
Excellent Credit Cards of 2022
Advertiser disclosure


YOU’RE OUR FIRST PRIORITY.
EVERY TIME.

We believe everyone should be able to make financial decisions with confidence.
And while our site doesn’t feature every company or financial product available
on the market, we’re proud that the guidance we offer, the information we
provide and the tools we create are objective, independent, straightforward —
and free.

So how do we make money? Our partners compensate us. This may influence which
products we review and write about (and where those products appear on the
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grounded in thousands of hours of research. Our partners cannot pay us to
guarantee favorable reviews of their products or services. Here is a list of our
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ADVERTISEMENT: products from our partners


8 EXCELLENT CREDIT CARDS OF 2022

From huge sign-up bonuses to generous rewards, we've picked credit cards that
stand out from the crowd. Compare these deals, some of which are from our
partners, to find the right one for you.

From huge sign-up bonuses to generous rewards, we've picked credit cards that
stand out from the crowd. Compare these deals, some of which are from our
partners, to find the right one for you.

Show summary


NERDWALLET'S EXCELLENT CREDIT CARDS OF 2022

 * Chase Freedom Unlimited®: Excellent for Cash-Back Pairing with Chase Sapphire
   Preferred®
 * Capital One SavorOne Cash Rewards Credit Card: Excellent for Dining and
   Groceries + No Annual Fee
 * Wells Fargo Active Cash® Card: Excellent for Cash Back — High Flat Rate +
   Incentives
 * Chase Sapphire Preferred® Card: Excellent for Airline Miles and a Large Bonus
 * Discover it® Cash Back: Excellent for Bonus Categories and First Year
   Cashback Match
 * Capital One Venture Rewards Credit Card: Excellent for Flat-Rate Travel
   Rewards
 * Citi® Double Cash Card: Excellent for Flat Rate Cash Back
 * Wells Fargo Reflect® Card: Excellent for Longest 0% intro APR period


EXCELLENT CREDIT CARDS FROM OUR PARTNERS



Credit cardNerdWallet rating

NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

Annual feeIntro APRRegular APRLearn more


Chase Freedom Unlimited®

Apply now

on Chase's website

5.0

/5

Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

$0
0% intro APR for 15 months on purchases and balance transfers
17.99%-26.74% Variable APR
Apply now

on Chase's website



Capital One SavorOne Cash Rewards Credit Card

Apply now

on Capital One's website

5.0

/5

Excellent for Dining and Groceries + No Annual Fee

$0
0% intro APR for 15 months on purchases and balance transfers
17.99%-27.99% Variable APR
Apply now

on Capital One's website



Wells Fargo Active Cash® Card

Apply now

on Wells Fargo's website

5.0

/5

Excellent for Cash Back — High Flat Rate + Incentives

$0
0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15
months from account opening on qualifying balance transfers
18.74%, 23.74%, or 28.74% Variable APR
Apply now

on Wells Fargo's website

Rates & Fees


Chase Sapphire Preferred® Card

Apply now

on Chase's website

5.0

/5

Excellent for Airline Miles and a Large Bonus

$95
N/A
18.99%-25.99% Variable APR
Apply now

on Chase's website



Discover it® Cash Back

Apply now

on Discover's website, or call 800-347-0264

4.9

/5

Excellent for Bonus Categories and First Year Cashback Match

$0
0% intro APR for 15 months on purchases and balance transfers
14.99%-25.99% Variable APR
Apply now

on Discover's website, or call 800-347-0264

Rates & Fees


Capital One Venture Rewards Credit Card

Apply now

on Capital One's website

4.7

/5

Excellent for Flat-Rate Travel Rewards

$95
N/A
18.99%-26.99% Variable APR
Apply now

on Capital One's website



Citi® Double Cash Card

Apply now

on Citibank's application

4.6

/5

Excellent for Flat Rate Cash Back

$0
0% intro APR on Balance Transfers for 18 months
17.74%-27.74% Variable APR
Apply now

on Citibank's application



Wells Fargo Reflect® Card

Apply now

on Wells Fargo's website

5.0

/5

Excellent for Longest 0% intro APR period

$0
0% intro APR for up to 21 months from account opening on purchases and
qualifying balance transfers
16.74%-28.74% Variable APR
Apply now

on Wells Fargo's website

Rates & Fees



Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®


Apply now on Chase's website
Apply now

on Chase's website




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


Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

17.99%-26.74% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 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 17.99% - 26.74%.

 * 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.

Apply Now

on Chase's website

 * 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 17.99% - 26.74%.

 * 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.

Apply Now

on Chase's website

Show Less

Pros

 * No annual fee

 * Intro APR period

 * High rewards rate

 * No minimum redemption amount

Cons

 * Requires good/excellent credit

Read full review

Excellent for

Dining and Groceries + No Annual Fee


Apply now on Capital One's website
Apply now

on Capital One's website




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


Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

17.99%-27.99% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 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; 17.99% -
   27.99% variable APR after that; 3% fee on the amounts transferred within the
   first 15 months

 * No foreign transaction fee

 * No annual fee

Apply Now

on Capital One's website

 * 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; 17.99% -
   27.99% variable APR after that; 3% fee on the amounts transferred within the
   first 15 months

 * No foreign transaction fee

 * No annual fee

Apply Now

on Capital One's website

Show More

Pros

 * No annual fee

 * Intro APR period

 * Bonus categories

 * No foreign transaction fees

Cons

 * Requires good/excellent credit

Read full review

Excellent for

Cash Back — High Flat Rate + Incentives


Apply now on Wells Fargo's website
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

Intro APR

0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15
months from account opening on qualifying balance transfers

Regular APR

18.74%, 23.74%, or 28.74% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 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 18.74%, 23.74%, or 28.74% 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 & Fees

Apply Now

on Wells Fargo's website

 * 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 18.74%, 23.74%, or 28.74% 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 & Fees

Apply Now

on Wells Fargo's website

Show More

Pros

 * High rewards rate

 * No annual fee

 * Intro APR period

Cons

 * No bonus categories

Read full review

Excellent for

Airline Miles and a Large Bonus


Apply now on Chase's website
Apply now

on Chase's website




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


Annual fee

$95

Intro APR

N/A

Regular APR

18.99%-25.99% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 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.

 * With Pay Yourself Back℠, your points are worth 25% more during the current
   offer when you redeem them for statement credits against existing purchases
   in select, rotating categories

 * 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.

Apply Now

on Chase's website

 * 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.

 * With Pay Yourself Back℠, your points are worth 25% more during the current
   offer when you redeem them for statement credits against existing purchases
   in select, rotating categories

 * 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.

Apply Now

on Chase's website

Show More

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

Read full review

Excellent for

Bonus Categories and First Year Cashback Match


Apply now on Discover's website, or call 800-347-0264
Apply now

on Discover's website, or call 800-347-0264

Rates & Fees


DISCOVER IT® CASH BACK

4.9

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 Discover's website, or call 800-347-0264

Rates & Fees
Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

14.99%-25.99% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will
   automatically match all the cash back you’ve earned at the end of your first
   year! There’s no minimum spending or maximum rewards. You could turn $150
   cash back into $300.

 * Earn 5% cash back on everyday purchases at different places each quarter like
   Amazon.com, grocery stores, restaurants, and gas stations, up to the
   quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
   other purchases - automatically.

 * Discover helps remove your personal information from select people-search
   websites. Activate by mobile app for free.

 * Every $1 you earn in cash back is $1 you can redeem.

 * Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard
   Variable Purchase APR applies, based on credit worthiness.

 * No annual fee.

 * Click "Apply Now" to see terms and conditions.

 * View Rates & Fees

Apply Now

on Discover's website, or call 800-347-0264

 * INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will
   automatically match all the cash back you’ve earned at the end of your first
   year! There’s no minimum spending or maximum rewards. You could turn $150
   cash back into $300.

 * Earn 5% cash back on everyday purchases at different places each quarter like
   Amazon.com, grocery stores, restaurants, and gas stations, up to the
   quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
   other purchases - automatically.

 * Discover helps remove your personal information from select people-search
   websites. Activate by mobile app for free.

 * Every $1 you earn in cash back is $1 you can redeem.

 * Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard
   Variable Purchase APR applies, based on credit worthiness.

 * No annual fee.

 * Click "Apply Now" to see terms and conditions.

 * View Rates & Fees

Apply Now

on Discover's website, or call 800-347-0264

Show More

Pros

 * No annual fee

 * Intro APR period

 * Bonus categories

 * Cash rewards

Cons

 * Complicated rewards

 * Spending caps on bonus rewards

 * Lower acceptance abroad

Read full review

Excellent for

Flat-Rate Travel Rewards


Apply now on Capital One's website
Apply now

on Capital One's website




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


Annual fee

$95

Intro APR

N/A

Regular APR

18.99%-26.99% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 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 our 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

Apply Now

on Capital One's website

 * 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 our 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

Apply Now

on Capital One's website

Show More

Pros

 * High rewards rate

 * Flexible rewards redemption

Cons

 * High annual fee

 * Rewards have limited flexibility

 * Requires good/excellent credit

Read full review

Excellent for

Flat Rate Cash Back


Apply now on Citibank's application
Apply now

on Citibank's application




CITI® DOUBLE CASH CARD

4.6

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 Citibank's application


Annual fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

17.74%-27.74% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 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.

 * Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months.
   After that, the variable APR will be 17.74% - 27.74%, 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).

Apply Now

on Citibank's application

 * 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.

 * Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months.
   After that, the variable APR will be 17.74% - 27.74%, 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).

Apply Now

on Citibank's application

Show More

Pros

 * No annual fee

 * High rewards rate

 * Intro balance transfer fee

Cons

 * Requires good/excellent credit

 * No bonus categories

 * No bonus offer

Read full review

Excellent for

Longest 0% intro APR period


Apply now on Wells Fargo's website
Apply now

on Wells Fargo's website

Rates & Fees


WELLS FARGO REFLECT® 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

Intro APR

0% intro APR for up to 21 months from account opening on purchases and
qualifying balance transfers

Regular APR

16.74%-28.74% Variable APR

Recommended Credit Score
690850good - excellent
See your approval odds
See your approval odds

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.

Product Details

Pros & Cons



 * 0% intro APR for 18 months from account opening on purchases and qualifying
   balance transfers. Intro APR extension for 3 months with on-time minimum
   payments during the intro period. 16.74% to 28.74% 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

 * 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).

 * 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.

 * Select "Apply Now" to learn more about the product features, terms and
   conditions

 * View Rates & Fees

Apply Now

on Wells Fargo's website

 * 0% intro APR for 18 months from account opening on purchases and qualifying
   balance transfers. Intro APR extension for 3 months with on-time minimum
   payments during the intro period. 16.74% to 28.74% 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

 * 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).

 * 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.

 * Select "Apply Now" to learn more about the product features, terms and
   conditions

 * View Rates & Fees

Apply Now

on Wells Fargo's website

Show More

Pros

 * No annual fee

 * Intro APR period

Cons

 * No rewards

Read full review

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