Best overall credit card Wells Fargo Active Cash® Card 4.4/5 Rating Breakdown 4.4 Welcome Bonus 4.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.8/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards See rates & fees Apply Now Apply Now with Wells Fargo Intro Offer $200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions. Annual Fee $0 Rewards Rate 2% Earn unlimited 2% cash rewards on purchases Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 20.24%, 25.24%, or 29.99% Variable APR See rates & fees The Wells Fargo Active Cash Card offers the most helpful benefits for people overall. The lack of an annual fee makes this card accessible and low maintenance. The 2% cash rewards across your purchases is a competitive rate: While it’s not the highest you’ll find for some major shopping categories like groceries and gas, it gives you one of the best rates on more obscure spending categories like online shopping, services and bills. The introductory APR gives you an opportunity to finance a large purchase or to prevent interest charges with a qualifying balance transfer, and the welcome offer has one of the best spending-to-rewards ratio. For more details on this card’s benefits, see our full review of the Wells Fargo Active Cash Card. Pros Earn unlimited 2% cash rewards on purchases Easy-to-earn welcome bonus No annual fee Introductory APR offer on purchases and qualifying balance transfers Up to $600 in cell phone damage or theft protection subject to a $25 deductible Cons No outstanding cardholder perks or statement credits 3% foreign currency conversion fee Rewards must be redeemed in $20 or $25 increments for some redemption options Rating Breakdown 4.4 Welcome Bonus 4.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% intro APR for 12 months from account opening on qualifying balance transfers Intro Purchase APR 0% intro APR for 12 months from account opening Regular APR 20.24%, 25.24%, or 29.99% Variable APR Balance Transfer Fee up to 5%, min: $5 Rewards Rates 2% Earn unlimited 2% cash rewards on purchases The Wells Fargo Active Cash Card offers the most helpful benefits for people overall. The lack of an annual fee makes this card accessible and low maintenance. The 2% cash rewards across your purchases is a competitive rate: While it’s not the highest you’ll find for some major shopping categories like groceries and gas, it gives you one of the best rates on more obscure spending categories like online shopping, services and bills. The introductory APR gives you an opportunity to finance a large purchase or to prevent interest charges with a qualifying balance transfer, and the welcome offer has one of the best spending-to-rewards ratio. For more details on this card’s benefits, see our full review of the Wells Fargo Active Cash Card. Pros Earn unlimited 2% cash rewards on purchases Easy-to-earn welcome bonus No annual fee Introductory APR offer on purchases and qualifying balance transfers Up to $600 in cell phone damage or theft protection subject to a $25 deductible Cons No outstanding cardholder perks or statement credits 3% foreign currency conversion fee Rewards must be redeemed in $20 or $25 increments for some redemption options Rating Breakdown 4.4 Welcome Bonus 4.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% intro APR for 12 months from account opening on qualifying balance transfers Intro Purchase APR 0% intro APR for 12 months from account opening Regular APR 20.24%, 25.24%, or 29.99% Variable APR Balance Transfer Fee up to 5%, min: $5 Rewards Rates 2% Earn unlimited 2% cash rewards on purchases Best for balance transfers Citi Simplicity® Card 4.2/5 Rating Breakdown 4.2 Offer Length 5.0 BT Fee 5.0 Offer Terms 3.0 On-going Value 3.0 Fees and APR 3.0 How We Rate Balance Transfer / Intro APR Cards We rate credit cards using our balance transfer / Intro APR methodology for cards whose primary feature is a promotional period where new purchases or a transferred balance will accrue no or low interest for a period of time. We rank these credit cards based on the quality of their introductory offers, fees, lasting value and standard rates. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.4/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Annual Fee $0 Rewards Rate N/A This card doesn’t offer cash back, miles, or points Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 19.24% – 29.99% (Variable) The Citi Simplicity* offers both one of the longest introductory balance transfer APR and a competitive balance transfer fee. Cardholders get nearly two years to pay down a transferred balance, with the card’s offer lasting 21 months before the standard 19.24% to 29.99% variable APR kicks in. It’s introductory balance transfer fee of 3% ($5 minimum) lasts for the first four months — then it spikes up to 5% ($5 minimum). It’s one of the best combinations on the market. You can learn more in our Citi Simplicity review. Rating Breakdown 4.2 Offer Length 5.0 BT Fee 5.0 Offer Terms 3.0 On-going Value 3.0 Fees and APR 3.0 How We Rate Balance Transfer / Intro APR Cards We rate credit cards using our balance transfer / Intro APR methodology for cards whose primary feature is a promotional period where new purchases or a transferred balance will accrue no or low interest for a period of time. We rank these credit cards based on the quality of their introductory offers, fees, lasting value and standard rates. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% for 21 months on Balance Transfers Intro Purchase APR 0% for 12 months on Purchases Regular APR 19.24% – 29.99% (Variable) Balance Transfer Fee There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. Rewards Rates N/A The Citi Simplicity* offers both one of the longest introductory balance transfer APR and a competitive balance transfer fee. Cardholders get nearly two years to pay down a transferred balance, with the card’s offer lasting 21 months before the standard 19.24% to 29.99% variable APR kicks in. It’s introductory balance transfer fee of 3% ($5 minimum) lasts for the first four months — then it spikes up to 5% ($5 minimum). It’s one of the best combinations on the market. You can learn more in our Citi Simplicity review. Rating Breakdown 4.2 Offer Length 5.0 BT Fee 5.0 Offer Terms 3.0 On-going Value 3.0 Fees and APR 3.0 How We Rate Balance Transfer / Intro APR Cards We rate credit cards using our balance transfer / Intro APR methodology for cards whose primary feature is a promotional period where new purchases or a transferred balance will accrue no or low interest for a period of time. We rank these credit cards based on the quality of their introductory offers, fees, lasting value and standard rates. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% for 21 months on Balance Transfers Intro Purchase APR 0% for 12 months on Purchases Regular APR 19.24% – 29.99% (Variable) Balance Transfer Fee There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. Rewards Rates N/A Best secured credit card Discover it® Secured Credit Card 4.0/5 Rating Breakdown 4.0 Accessibility 4.0 Effectiveness 4.0 Cost 4.0 Other Perks 5.0 Fees and APR 3.0 How We Rate Credit Building Cards We rate credit cards using our credit-building methodology for cards designed to help grow your credit score. Student credit cards, secured credit cards and credit cards with low or no credit requirements fall into this category. We rank them based on how easy they are to qualify for, credit-building features and how much they cost. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.0/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer Cashback Match™ 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. Just a dollar-for-dollar match. Annual Fee $0 Rewards Rate 1% – 2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.; Earn unlimited 1% cash back on all other purchases. Rec. Credit No Credit History Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 28.24% Variable APR The Discover it® Secured Credit Card* tops our lists for best secured credit card and best credit cards for bad credit. It has several winning features including a rewards program with one of the best welcome offers, a clear path forward toward better credit through responsible use and a reasonable minimum deposit requirement. Discover even periodically reviews cardholder accounts after seven months, and promotes eligible consumers with good payment histories to unsecured credit cards. You can learn more in our Discover it® Secured Credit Card review. Rating Breakdown 4.0 Accessibility 4.0 Effectiveness 4.0 Cost 4.0 Other Perks 5.0 Fees and APR 3.0 How We Rate Credit Building Cards We rate credit cards using our credit-building methodology for cards designed to help grow your credit score. Student credit cards, secured credit cards and credit cards with low or no credit requirements fall into this category. We rank them based on how easy they are to qualify for, credit-building features and how much they cost. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 10.99% for 6 months Intro Purchase APR N/A Regular APR 28.24% Variable APR Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Rewards Rates 2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. 1% Earn unlimited 1% cash back on all other purchases. The Discover it® Secured Credit Card* tops our lists for best secured credit card and best credit cards for bad credit. It has several winning features including a rewards program with one of the best welcome offers, a clear path forward toward better credit through responsible use and a reasonable minimum deposit requirement. Discover even periodically reviews cardholder accounts after seven months, and promotes eligible consumers with good payment histories to unsecured credit cards. You can learn more in our Discover it® Secured Credit Card review. Rating Breakdown 4.0 Accessibility 4.0 Effectiveness 4.0 Cost 4.0 Other Perks 5.0 Fees and APR 3.0 How We Rate Credit Building Cards We rate credit cards using our credit-building methodology for cards designed to help grow your credit score. Student credit cards, secured credit cards and credit cards with low or no credit requirements fall into this category. We rank them based on how easy they are to qualify for, credit-building features and how much they cost. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 10.99% for 6 months Intro Purchase APR N/A Regular APR 28.24% Variable APR Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Rewards Rates 2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. 1% Earn unlimited 1% cash back on all other purchases. Best travel rewards card Chase Sapphire Preferred® Card 4.3/5 Rating Breakdown 4.3 Welcome Bonus 3.5 Rewards Program 5.0 Value for Money 5.0 Benefits 4.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.6/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer 60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠. Annual Fee $95 Rewards Rate 1x – 5x 5x on travel purchased through Chase Travel℠.; 3x on dining, select streaming services and online groceries.; 2x on all other travel purchases.; 1x on all other purchases. Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 21.49% – 28.49% Variable The Chase Sapphire Preferred® Card is arguably the best travel card on the market. It’s hard to rival its rewards program — it expands to everyday categories and has competitive rates on travel. Points are worth $0.01 when redeemed for statement credit, but you get a 25% boost in redemption value if you redeem your points for travel through Chase Travel. This card also offers one-to-one point transfers to Chase’s 14 hotel and airline travel partners, which, if used strategically, can unlock outsized value for your points. The welcome bonus — 60,000 points when you spend $4,000 in purchases within the first three months of account opening — that’s $750 toward travel booked through Chase Travel, as well. There are no foreign transaction fees and you also get a slew of travel-related perks like baggage delay insurance, trip delay insurance and trip cancellation/interruption insurance. In combination, this is a standout offer for a $95 annual fee. Read more details in our full review of the Chase Sapphire Preferred. Rating Breakdown 4.3 Welcome Bonus 3.5 Rewards Program 5.0 Value for Money 5.0 Benefits 4.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR N/A Regular APR 21.49% – 28.49% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Rewards Rates 5x 5x on travel purchased through Chase Travel℠. 3x 3x on dining, select streaming services and online groceries. 2x 2x on all other travel purchases. 1x 1x on all other purchases. The Chase Sapphire Preferred® Card is arguably the best travel card on the market. It’s hard to rival its rewards program — it expands to everyday categories and has competitive rates on travel. Points are worth $0.01 when redeemed for statement credit, but you get a 25% boost in redemption value if you redeem your points for travel through Chase Travel. This card also offers one-to-one point transfers to Chase’s 14 hotel and airline travel partners, which, if used strategically, can unlock outsized value for your points. The welcome bonus — 60,000 points when you spend $4,000 in purchases within the first three months of account opening — that’s $750 toward travel booked through Chase Travel, as well. There are no foreign transaction fees and you also get a slew of travel-related perks like baggage delay insurance, trip delay insurance and trip cancellation/interruption insurance. In combination, this is a standout offer for a $95 annual fee. Read more details in our full review of the Chase Sapphire Preferred. Rating Breakdown 4.3 Welcome Bonus 3.5 Rewards Program 5.0 Value for Money 5.0 Benefits 4.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR N/A Regular APR 21.49% – 28.49% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Rewards Rates 5x 5x on travel purchased through Chase Travel℠. 3x 3x on dining, select streaming services and online groceries. 2x 2x on all other travel purchases. 1x 1x on all other purchases. Long 0% intro APR for purchases and balance transfers U.S. Bank Visa® Platinum Card 3.8/5 Rating Breakdown 3.8 Offer Length 5.0 BT Fee 3.0 Offer Terms 3.0 On-going Value 3.0 Fees and APR 3.0 How We Rate Balance Transfer / Intro APR Cards We rate credit cards using our balance transfer / Intro APR methodology for cards whose primary feature is a promotional period where new purchases or a transferred balance will accrue no or low interest for a period of time. We rank these credit cards based on the quality of their introductory offers, fees, lasting value and standard rates. Credit card issuers have no say or influence in our ratings. How we rate credit cards 7.6/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Annual Fee $0 Rewards Rate N/A This card doesn’t offer cash back, miles, or points Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 18.74% – 29.74% (Variable) The U.S. Bank Visa Platinum Card offers a whopping 21 billing cycles at 0% introductory APR for purchases and balance transfers (18.74% to 29.74% variable APR thereafter). Though there is no sign-up bonus or rewards program, there is also no annual fee, making this a low-maintenance option. This a great card if you’re making a large purchase or want to prolong your interest-free payments. It’s also an excellent emergency credit card for times when you need to cover a large expense unexpectedly. Other 0% APR credit cards may have a shorter period of time with the 0% introductory rate, but you may receive other benefits and rewards. Check out our full review of the U.S. Bank Visa Platinum Card for more information. Rating Breakdown 3.8 Offer Length 5.0 BT Fee 3.0 Offer Terms 3.0 On-going Value 3.0 Fees and APR 3.0 How We Rate Balance Transfer / Intro APR Cards We rate credit cards using our balance transfer / Intro APR methodology for cards whose primary feature is a promotional period where new purchases or a transferred balance will accrue no or low interest for a period of time. We rank these credit cards based on the quality of their introductory offers, fees, lasting value and standard rates. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% intro APR for 21 billing cycles on balance transfers Intro Purchase APR 0% intro APR for 21 billing cycles on purchases Regular APR 18.74% – 29.74% (Variable) Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater Rewards Rates N/A The U.S. Bank Visa Platinum Card offers a whopping 21 billing cycles at 0% introductory APR for purchases and balance transfers (18.74% to 29.74% variable APR thereafter). Though there is no sign-up bonus or rewards program, there is also no annual fee, making this a low-maintenance option. This a great card if you’re making a large purchase or want to prolong your interest-free payments. It’s also an excellent emergency credit card for times when you need to cover a large expense unexpectedly. Other 0% APR credit cards may have a shorter period of time with the 0% introductory rate, but you may receive other benefits and rewards. Check out our full review of the U.S. Bank Visa Platinum Card for more information. Rating Breakdown 3.8 Offer Length 5.0 BT Fee 3.0 Offer Terms 3.0 On-going Value 3.0 Fees and APR 3.0 How We Rate Balance Transfer / Intro APR Cards We rate credit cards using our balance transfer / Intro APR methodology for cards whose primary feature is a promotional period where new purchases or a transferred balance will accrue no or low interest for a period of time. We rank these credit cards based on the quality of their introductory offers, fees, lasting value and standard rates. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% intro APR for 21 billing cycles on balance transfers Intro Purchase APR 0% intro APR for 21 billing cycles on purchases Regular APR 18.74% – 29.74% (Variable) Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater Rewards Rates N/A Best for small businesses Ink Business Cash® Credit Card 3.7/5 Rating Breakdown 3.7 Welcome Bonus 3.5 Rewards Program 4.0 Value for Money 4.0 Benefits 3.5 Fees and APR 3.0 How We Rate Business Cards We rate credit cards using our business methodology for cards tailored to business owners. We rank business cards based on earning power, the value you get weighed against the cost, the card benefits and their rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 7.4/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer Earn up to $750 bonus cash back Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Annual Fee $0 Rewards Rate 1% – 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; Earn 1% cash back on all other card purchases with no limit to the amount you can earn Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 18.49% – 24.49% Variable The Ink Business Cash is hard to beat if you’re a small business owner. It offers a good return for your expenses along with a rewarding welcome bonus and a number of shopping and travel protections. There is a $25,000 annual spending cap on the 5% and 2% rewards categories to keep in mind, but up to that point it’s one of the most rewarding business cards you could pick. Its rewards are also well-rounded, with a healthy mix of gas station, restaurant, office supply store and internet, phone and cable service categories. You can learn more in our Chase Ink Business Cash Credit Card review. Rating Breakdown 3.7 Welcome Bonus 3.5 Rewards Program 4.0 Value for Money 4.0 Benefits 3.5 Fees and APR 3.0 How We Rate Business Cards We rate credit cards using our business methodology for cards tailored to business owners. We rank business cards based on earning power, the value you get weighed against the cost, the card benefits and their rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR 0% Intro APR on Purchases for 12 months Regular APR 18.49% – 24.49% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Rewards Rates 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn The Ink Business Cash is hard to beat if you’re a small business owner. It offers a good return for your expenses along with a rewarding welcome bonus and a number of shopping and travel protections. There is a $25,000 annual spending cap on the 5% and 2% rewards categories to keep in mind, but up to that point it’s one of the most rewarding business cards you could pick. Its rewards are also well-rounded, with a healthy mix of gas station, restaurant, office supply store and internet, phone and cable service categories. You can learn more in our Chase Ink Business Cash Credit Card review. Rating Breakdown 3.7 Welcome Bonus 3.5 Rewards Program 4.0 Value for Money 4.0 Benefits 3.5 Fees and APR 3.0 How We Rate Business Cards We rate credit cards using our business methodology for cards tailored to business owners. We rank business cards based on earning power, the value you get weighed against the cost, the card benefits and their rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR 0% Intro APR on Purchases for 12 months Regular APR 18.49% – 24.49% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Rewards Rates 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn Unlimited Cashback Match™ at the end of your first year Discover it® Cash Back 4.1/5 Rating Breakdown 4.1 Welcome Bonus 5.0 Rewards Program 4.0 Value for Money 4.0 Benefits 2.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.1/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer Cashback Match Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Annual Fee $0 Rewards Rate 1% – 5% 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. Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 18.24% – 28.24% Variable APR Discover it® Cash Back* offers a unique sign-on bonus: an unlimited cash-back match at the end of your first year. You don’t even have to reach a minimum spending threshold, like with most other sign-up bonuses — but you can outearn other credit cards with such bonuses if you spend enough. You will enjoy 5% cash back up to the quarterly maximums (then 1%) on rotating quarterly categories as you activate them. Some of these quarterly categories include purchases from Amazon.com, grocery stores or gas stations. Discover will also give you 1% cash back on all other purchases. We’ve also collected a few other credit cards with generous welcome bonuses. Check out more details in our full review of the Discover it Cash Back. Rating Breakdown 4.1 Welcome Bonus 5.0 Rewards Program 4.0 Value for Money 4.0 Benefits 2.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% for 15 months Intro Purchase APR 0% for 15 months Regular APR 18.24% – 28.24% Variable APR Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Rewards Rates 5% 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. 1% Plus, earn unlimited 1% cash back on all other purchases – automatically. Discover it® Cash Back* offers a unique sign-on bonus: an unlimited cash-back match at the end of your first year. You don’t even have to reach a minimum spending threshold, like with most other sign-up bonuses — but you can outearn other credit cards with such bonuses if you spend enough. You will enjoy 5% cash back up to the quarterly maximums (then 1%) on rotating quarterly categories as you activate them. Some of these quarterly categories include purchases from Amazon.com, grocery stores or gas stations. Discover will also give you 1% cash back on all other purchases. We’ve also collected a few other credit cards with generous welcome bonuses. Check out more details in our full review of the Discover it Cash Back. Rating Breakdown 4.1 Welcome Bonus 5.0 Rewards Program 4.0 Value for Money 4.0 Benefits 2.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% for 15 months Intro Purchase APR 0% for 15 months Regular APR 18.24% – 28.24% Variable APR Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Rewards Rates 5% 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. 1% Plus, earn unlimited 1% cash back on all other purchases – automatically. Best student rewards card Discover it® Student Cash Back 4.0/5 Rating Breakdown 4.0 Accessibility 4.0 Effectiveness 4.0 Cost 4.0 Other Perks 5.0 Fees and APR 3.0 How We Rate Credit Building Cards We rate credit cards using our credit-building methodology for cards designed to help grow your credit score. Student credit cards, secured credit cards and credit cards with low or no credit requirements fall into this category. We rank them based on how easy they are to qualify for, credit-building features and how much they cost. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.0/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer Cashback Match Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. Annual Fee $0 Rewards Rate 1% – 5% 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.; Earn unlimited 1% cash back on all other purchases – automatically. Rec. Credit No Credit History Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 18.24% – 27.24% Variable APR The Discover it® Student Cash Back* offers better rewards than a lot of credit cards, though it may be more complicated to navigate. Its bonus categories rotate quarterly and need to be manually activated each time, lest you miss out on any rewards. It also has one of the best welcome bonuses on the market. At the end of your first year, Discover will essentially double the rewards you earn for your first year with the card. There is a quarterly spending cap of $1,500 to earn the 5% rewards rate (then 1%), but may not be an issue for college students with smaller budgets. It’s a rewarding card to use to build your credit with responsible use before moving on to non-student credit cards. You can find all the details in our Discover it Student Cash Back review. Rating Breakdown 4.0 Accessibility 4.0 Effectiveness 4.0 Cost 4.0 Other Perks 5.0 Fees and APR 3.0 How We Rate Credit Building Cards We rate credit cards using our credit-building methodology for cards designed to help grow your credit score. Student credit cards, secured credit cards and credit cards with low or no credit requirements fall into this category. We rank them based on how easy they are to qualify for, credit-building features and how much they cost. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 10.99% for 6 months Intro Purchase APR 0% for 6 months Regular APR 18.24% – 27.24% Variable APR Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Rewards Rates 5% 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% Earn unlimited 1% cash back on all other purchases – automatically. The Discover it® Student Cash Back* offers better rewards than a lot of credit cards, though it may be more complicated to navigate. Its bonus categories rotate quarterly and need to be manually activated each time, lest you miss out on any rewards. It also has one of the best welcome bonuses on the market. At the end of your first year, Discover will essentially double the rewards you earn for your first year with the card. There is a quarterly spending cap of $1,500 to earn the 5% rewards rate (then 1%), but may not be an issue for college students with smaller budgets. It’s a rewarding card to use to build your credit with responsible use before moving on to non-student credit cards. You can find all the details in our Discover it Student Cash Back review. Rating Breakdown 4.0 Accessibility 4.0 Effectiveness 4.0 Cost 4.0 Other Perks 5.0 Fees and APR 3.0 How We Rate Credit Building Cards We rate credit cards using our credit-building methodology for cards designed to help grow your credit score. Student credit cards, secured credit cards and credit cards with low or no credit requirements fall into this category. We rank them based on how easy they are to qualify for, credit-building features and how much they cost. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 10.99% for 6 months Intro Purchase APR 0% for 6 months Regular APR 18.24% – 27.24% Variable APR Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Rewards Rates 5% 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% Earn unlimited 1% cash back on all other purchases – automatically. Best for Amazon shoppers Prime Visa 4.2/5 Rating Breakdown 4.2 Welcome Bonus 5.0 Rewards Program 4.0 Value for Money 3.8 Benefits 4.0 Fees and APR 3.0 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.3/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer Get a $100 Amazon Gift Card Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members Annual Fee $0 Rewards Rate 1% – 10% Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership; Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership; Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); Earn unlimited 1% back on all other purchases Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 20.49% – 29.24% Variable The Prime Visa has a lot going for it. It offers a high cash-back rate for Amazon’s unmatched catalog of products while providing a slew of useful shopping protections for your new purchases. It also has one of the easiest to reach welcome bonuses — simply get approved for this card to have a $100 Amazon gift card added to your account. While the card itself doesn’t carry an annual fee, you have to be an Amazon Prime member to qualify for it, a $139 yearly expense. While that’s a bit higher than the average credit card annual fee, if you’re a frequent Amazon shopper, faster package delivery and access to Prime Video might offset this cost. You can learn more about it in our Prime Visa review. Rating Breakdown 4.2 Welcome Bonus 5.0 Rewards Program 4.0 Value for Money 3.8 Benefits 4.0 Fees and APR 3.0 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR N/A Regular APR 20.49% – 29.24% Variable Balance Transfer Fee Either $5 or 4% of the amount of each transfer, whichever is greater. Rewards Rates 10% Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership 5% Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership 2% Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) 1% Earn unlimited 1% back on all other purchases The Prime Visa has a lot going for it. It offers a high cash-back rate for Amazon’s unmatched catalog of products while providing a slew of useful shopping protections for your new purchases. It also has one of the easiest to reach welcome bonuses — simply get approved for this card to have a $100 Amazon gift card added to your account. While the card itself doesn’t carry an annual fee, you have to be an Amazon Prime member to qualify for it, a $139 yearly expense. While that’s a bit higher than the average credit card annual fee, if you’re a frequent Amazon shopper, faster package delivery and access to Prime Video might offset this cost. You can learn more about it in our Prime Visa review. Rating Breakdown 4.2 Welcome Bonus 5.0 Rewards Program 4.0 Value for Money 3.8 Benefits 4.0 Fees and APR 3.0 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR N/A Regular APR 20.49% – 29.24% Variable Balance Transfer Fee Either $5 or 4% of the amount of each transfer, whichever is greater. Rewards Rates 10% Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership 5% Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership 2% Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) 1% Earn unlimited 1% back on all other purchases Best rotating rewards card Chase Freedom Flex® 4.1/5 Rating Breakdown 4.1 Welcome Bonus 3.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 8.2/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Learn More Learn More Intro Offer $200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Annual Fee $0 Rewards Rate 1% – 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!; 5% cash back on travel purchased through Chase Travel℠.; 3% cash back on dining and drugstores.; 1% cash back on all other purchases. Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 20.49% – 29.24% Variable This card tops many of our best lists and for good reason: The Chase Freedom Flex* can help you earn rewards on a wide range of spending, thanks to its static reward categories and its quarterly rotating categories. It’s difficult to find a purchase type that the Freedom Flex doesn’t cover or hasn’t covered in the past. It stands out from other rotating rewards cards by offering a longer window to activate new categories. You’ll even earn retroactive rewards on any eligible purchases. So, if you forget to activate a category until later in the quarter, your past qualifying purchase will still earn the higher rewards rate as long as you activate by the quarterly deadline. In addition to its strong earning potential, its welcome bonus offers one of the best returns on the spending required to reach it. It also includes a number of useful perks including purchase protection, which covers your new purchases against damage and theft and some sought-after travel protections, including auto rental collision damage waiver and other travel insurance. You can read more in our Chase Freedom Flex review. Rating Breakdown 4.1 Welcome Bonus 3.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 15 months Intro Purchase APR 0% Intro APR on Purchases for 15 months Regular APR 20.49% – 29.24% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Rewards Rates 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% 5% cash back on travel purchased through Chase Travel℠. 3% 3% cash back on dining and drugstores. 1% 1% cash back on all other purchases. This card tops many of our best lists and for good reason: The Chase Freedom Flex* can help you earn rewards on a wide range of spending, thanks to its static reward categories and its quarterly rotating categories. It’s difficult to find a purchase type that the Freedom Flex doesn’t cover or hasn’t covered in the past. It stands out from other rotating rewards cards by offering a longer window to activate new categories. You’ll even earn retroactive rewards on any eligible purchases. So, if you forget to activate a category until later in the quarter, your past qualifying purchase will still earn the higher rewards rate as long as you activate by the quarterly deadline. In addition to its strong earning potential, its welcome bonus offers one of the best returns on the spending required to reach it. It also includes a number of useful perks including purchase protection, which covers your new purchases against damage and theft and some sought-after travel protections, including auto rental collision damage waiver and other travel insurance. You can read more in our Chase Freedom Flex review. Rating Breakdown 4.1 Welcome Bonus 3.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 15 months Intro Purchase APR 0% Intro APR on Purchases for 15 months Regular APR 20.49% – 29.24% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Rewards Rates 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% 5% cash back on travel purchased through Chase Travel℠. 3% 3% cash back on dining and drugstores. 1% 1% cash back on all other purchases. Best for luxury travel benefits The Platinum Card® from American Express 3.3/5 Rating Breakdown 3.3 Welcome Bonus 3.0 Rewards Program 3.0 Value for Money 5.0 Benefits 5.0 Fees and APR 3.0 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 6.6/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards See rates & fees; terms apply Learn More Learn More Intro Offer Earn 80,000 points Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Annual Fee $695 Rewards Rate 5x – 5x Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.; Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Rec. Credit 670 – 850 Good – Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR See Pay Over Time APR See rates & fees; terms apply The Platinum Card from American Express is often referred to as the best card available, primarily due to the sheer number of premium benefits and annual credits that come with it. You’ll just want to make sure you can make good use of these perks to justify the steep $695 annual fee. American Express advertises that you can get up to $1,500 in value from the myriad of annual benefits it offers. Annual credits include up to $200 in statement credits for incidental airline fees at one qualifying airline, up to $200 statement credit for select prepaid Fine Hotels + Resorts® or The Hotel Collection booked through American Express Travel (The Hotel Collection requires a minimum two-night stay) and up to $200 in Uber Cash for rides and food in the U.S. (and up to $200 in Uber Cash for rides and food in the U.S. (up to $15 Uber Cash each month, plus an additional $20 in December). Otherwise, its rewards are relatively lackluster, especially compared to its high price tag. But if you travel often, it’s worth considering. You can find the complete list of benefits in our review of the Platinum Card from American Express. Rating Breakdown 3.3 Welcome Bonus 3.0 Rewards Program 3.0 Value for Money 5.0 Benefits 5.0 Fees and APR 3.0 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR N/A Regular APR See Pay Over Time APR Balance Transfer Fee N/A Rewards Rates 5x Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. 5x Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more The Platinum Card from American Express is often referred to as the best card available, primarily due to the sheer number of premium benefits and annual credits that come with it. You’ll just want to make sure you can make good use of these perks to justify the steep $695 annual fee. American Express advertises that you can get up to $1,500 in value from the myriad of annual benefits it offers. Annual credits include up to $200 in statement credits for incidental airline fees at one qualifying airline, up to $200 statement credit for select prepaid Fine Hotels + Resorts® or The Hotel Collection booked through American Express Travel (The Hotel Collection requires a minimum two-night stay) and up to $200 in Uber Cash for rides and food in the U.S. (and up to $200 in Uber Cash for rides and food in the U.S. (up to $15 Uber Cash each month, plus an additional $20 in December). Otherwise, its rewards are relatively lackluster, especially compared to its high price tag. But if you travel often, it’s worth considering. You can find the complete list of benefits in our review of the Platinum Card from American Express. Rating Breakdown 3.3 Welcome Bonus 3.0 Rewards Program 3.0 Value for Money 5.0 Benefits 5.0 Fees and APR 3.0 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR N/A Intro Purchase APR N/A Regular APR See Pay Over Time APR Balance Transfer Fee N/A Rewards Rates 5x Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. 5x Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more Best dining card U.S. Bank Altitude® Go Visa Signature® Card 3.6/5 Rating Breakdown 3.6 Welcome Bonus 3.0 Rewards Program 4.0 Value for Money 4.0 Benefits 3.5 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards 7.2/10 CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Intro Offer 25,000 points Earn 25,000 bonus points after spending $1,000 in eligible Net Purchases in the first 90 days. Annual Fee $0 Rewards Rate 1x – 4x 4X points on dining, takeout, and restaurant delivery.; 2X points on streaming services and at grocery stores (excludes discount stores and wholesale clubs effective September 9, 2024).; 2X points at gas stations and EV charging stations (excludes discount stores and wholesale clubs effective September 9, 2024).; 1X point on all other eligible purchases. Rec. Credit 800 – 850 Excellent Recommended Credit: Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product. APR 18.24% – 29.24% (Variable) The U.S. Bank Altitude Go has one of the best rates for dining rewards we’ve seen on a credit card without an annual fee. And while earning rewards for eating out is arguably its best feature, its other rewards for gas stations, streaming services and grocery stores are competitive with the best flat-rate cash back cards available. You’ll also get an introductory purchase and balance transfer APR and an annual $15 streaming credit to essentially knock out one of your subscription costs. There’s plenty of value here for people who eat out often and those who love to order in and stream their favorite shows. Rating Breakdown 3.6 Welcome Bonus 3.0 Rewards Program 4.0 Value for Money 4.0 Benefits 3.5 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% intro APR for 12 billing cycles on balance transfers Intro Purchase APR 0% intro APR for 12 billing cycles on purchases Regular APR 18.24% – 29.24% (Variable) Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater Rewards Rates 4x 4X points on dining, takeout, and restaurant delivery. 2x 2X points on streaming services and at grocery stores (excludes discount stores and wholesale clubs effective September 9, 2024). 2x 2X points at gas stations and EV charging stations (excludes discount stores and wholesale clubs effective September 9, 2024). 1x 1X point on all other eligible purchases. The U.S. Bank Altitude Go has one of the best rates for dining rewards we’ve seen on a credit card without an annual fee. And while earning rewards for eating out is arguably its best feature, its other rewards for gas stations, streaming services and grocery stores are competitive with the best flat-rate cash back cards available. You’ll also get an introductory purchase and balance transfer APR and an annual $15 streaming credit to essentially knock out one of your subscription costs. There’s plenty of value here for people who eat out often and those who love to order in and stream their favorite shows. Rating Breakdown 3.6 Welcome Bonus 3.0 Rewards Program 4.0 Value for Money 4.0 Benefits 3.5 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and the card’s rates and fees. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Details Intro Balance Transfer APR 0% intro APR for 12 billing cycles on balance transfers Intro Purchase APR 0% intro APR for 12 billing cycles on purchases Regular APR 18.24% – 29.24% (Variable) Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater Rewards Rates 4x 4X points on dining, takeout, and restaurant delivery. 2x 2X points on streaming services and at grocery stores (excludes discount stores and wholesale clubs effective September 9, 2024). 2x 2X points at gas stations and EV charging stations (excludes discount stores and wholesale clubs effective September 9, 2024). 1x 1X point on all other eligible purchases. Best for U.S. supermarket rewards Blue Cash Preferred® Card from American Express 4.1/5 Rating Breakdown 4.1 Welcome Bonus 3.0 Rewards Program 5.0 Value for Money 5.0 Benefits 3.0 Fees and APR 3.5 How We Rate Rewards / Travel Cards We rate credit cards using our Rewards / Travel methodology for cards tailored to earning rewards. We focus on each card’s reward potential, the value you get compared to the card’s cost, the benefits and th