BEST OF

Best No Annual Fee Credit Cards of February 2022

Jan 25, 2022

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Paying an annual fee on a credit card can be worth it if it gets you substantially higher rewards. But in many cases, credit cards that don’t charge annual fees offer better long-term value than those that do. No-annual-fee credit cards make it easy to come out ahead, regardless of your spending. Plus, you’ll be able to keep your card open for a long time at no cost, increasing the average age of your accounts, which has a positive effect on your credit score.

NerdWallet's Best No Annual Fee Credit Cards of February 2022

Best No Annual Fee Credit Cards

Our picks for

Flat-rate cash back

5.0

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Regular APR
14.99%-24.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Wells Fargo's website

Product Details

  • 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 14.99% to 24.99% 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 category restrictions or sign ups 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
Why we like Wells Fargo Active Cash℠ Card
The $0-annual-fee Wells Fargo Active Cash℠ Card offers an excellent rewards rate on everything you buy, as well as a bundle of other goodies not often found on cards like it.
Pros of Wells Fargo Active Cash℠ Card
  • You'll earn 2% cash back on all purchases, among the best rates on the market for products in its class. But the card also features a generous sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.. On top of that, it also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 14.99%-24.99% Variable APR.

Cons of Wells Fargo Active Cash℠ Card
  • You can find higher cash-back rates in specific, popular spending categories, if you're OK with keeping track of tiered or rotating reward structures. And like many cash-back cards, this one's not ideal for traveling abroad, thanks to its foreign transaction fee.

4.6

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR on Balance Transfers for 18 months
Regular APR
13.99%-23.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Citibank's application

Product Details

  • 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 13.99% – 23.99%, 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).
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Why we like Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is one of the best rewards cards on the market for its high rate and its ease of use. Cardholders can shop as they normally would and get a fantastic rewards rate.
Pros of Citi® Double Cash Card – 18 month BT offer
  • The Citi® Double Cash Card – 18 month BT offer earns 1% back on every dollar you spend and another 1% back when you pay off those purchases. That adds up to a best-in-class 2% rate.

Cons of Citi® Double Cash Card – 18 month BT offer
  • There's no sign-up bonus or 0% APR period on purchases, nor is there a chance to earn higher rewards in different categories, which you might find on some other cards. You have to accrue a minimum of $25 in rewards before you can redeem them. It charges a foreign transaction fee, so it's not ideal for using internationally.

Our picks for

Bonus category cash back

4.9

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 14 months on purchases and balance transfers
Regular APR
11.99%-22.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

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

Product Details

  • 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Why we like Discover it® Cash Back
The Discover it® Cash Back earns 5% cash back in rotating quarterly categories on up to $1,500 in purchases each quarter (requires activation); everything else earns 1%. Not bad for a card with an annual fee of $0. Use it as your everyday card, or pair it with one that earns flat-rate rewards for maximum returns.
Pros of Discover it® Cash Back
  • The bonus categories have historically included popular everyday spending areas like supermarkets, gas stations and restaurants. It comes with a good 0% intro APR period as well as Discover's unique bonus for new cardholders: 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.

Cons of Discover it® Cash Back
  • You have to remember to activate the bonus categories each quarter. If your spending doesn't match the bonus categories or you tend to spend significantly above the $1,500 quarterly cap, you might fare better with another card.

5.0

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
14.99%-23.74% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Chase's website

Product Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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 Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ 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.
  • See if you qualify for a better offer with Chase:
Why we like Chase Freedom Flex℠
The Chase Freedom Flex℠ offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus a generous bonus for new cardholders. If you're willing to put in a little work, it's one rich card.
Pros of Chase Freedom Flex℠
  • This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. New cardholders can snag a great sign-up bonus and enjoy a 0% intro APR period.

Cons of Chase Freedom Flex℠
  • You have to opt in to the bonus categories every quarter, which can be a hassle. The rotating 5% categories might not be a good fit for everyone, and in recent years, they've shifted a bit toward lower-spending areas: Restaurants dropped out of the rotation entirely (although dining is now a permanent 3% category), and gas stations have been included for two quarters a year.

Our pick for

Travel rewards

3.8

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 15 billing cycles on purchases
Regular APR
13.99%-23.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Bank of America's website

Product Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Why we like Bank of America® Travel Rewards credit card
The Bank of America® Travel Rewards credit card boasts easy-to-earn, easy-to-redeem rewards. All purchases earn 1.5 points per dollar; points can be redeemed for credit against any travel purchase.
Pros of Bank of America® Travel Rewards credit card
  • Rewards are flexible and can be used to wipe out the cost of any type of travel you book with the Bank of America® Travel Rewards credit card. Bank of America®'s definition of travel is extremely broad and includes not just airlines, hotels and car rentals, but also campgrounds, zoos and amusement parks, to name just a few options. If you bank with Bank of America® or invest with Merrill, you may be eligible for a rewards boost, too, via the Preferred Rewards program.

Cons of Bank of America® Travel Rewards credit card
  • While points are worth a penny apiece when redeemed against travel purchases, they're worth only a little over half a cent each when redeemed for cash.

Our picks for

0% intro APR period

5.0

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Regular APR
12.99%-24.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Wells Fargo's website

Product Details

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • Get up to $600 of cell phone protection 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 earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
Why we like Wells Fargo Reflect℠ Card
The Wells Fargo Reflect℠ Card boasts an offer that few other cards can match: a 0% intro APR period potentially approaching two years.
Pros of Wells Fargo Reflect℠ Card
  • This card offers a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, and then an ongoing APR of 12.99%-24.99% Variable APR. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. It also offers cell phone insurance.

Cons of Wells Fargo Reflect℠ Card
  • The card doesn't earn ongoing rewards on everyday spending. (It's possible to earn rewards through the issuer's "My Wells Fargo Deals" feature, but those are one-off deals that require activation.) There's also a balance transfer fee.

5.0

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 20 billing cycles on purchases and balance transfers
Regular APR
14.49%-24.49% Variable APR
Rec. credit score
690-850 (Good - Excellent)

Product Details

  • Limited Time Offer!
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule
  • No Annual Fee
  • Terms and conditions apply.
Why we like U.S. Bank Visa® Platinum Card
With its lengthy intro APR offer of 0% intro APR for 20 billing cycles on purchases and balance transfers, and then the ongoing APR of 14.49%-24.49% Variable APR, the U.S. Bank Visa® Platinum Card gives you extra breathing room to pay down a big purchase or tame a high balance from another card.
Pros of U.S. Bank Visa® Platinum Card
  • The U.S. Bank Visa® Platinum Card offers a long interest-free period on both purchases and balance transfers. When that offer ends, the annual fee of $0 lets you keep it open. Plus, it comes with cell phone insurance.

Cons of U.S. Bank Visa® Platinum Card
  • There's a balance-transfer fee of 3% (minimum $5). That's at the low end of the industry's typical range, but you still can find cards with a fee of $0. There are also no rewards on this card, giving you little incentive to keep using it after the 0% period.

Our pick for

Dining and entertainment rewards

5.0

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
14.99%-24.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Capital One's website

Product Details

  • 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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee
Why we like Capital One SavorOne Cash Rewards Credit Card
Anyone who hits the town frequently will benefit from the Capital One SavorOne Cash Rewards Credit Card. All dining, grocery and entertainment spending on the card earns enhanced rewards without complicated redemption rules or any cost of card ownership.
Pros of Capital One SavorOne Cash Rewards Credit Card
  • The Capital One SavorOne Cash Rewards Credit Card offers 3% cash back on dining out, grocery stores and entertainment, including streaming services. All other spending earns 1%.

Cons of Capital One SavorOne Cash Rewards Credit Card
  • Although it clearly has it charms in the rewards department, the benefits of the Capital One SavorOne Cash Rewards Credit Card are sweet mostly if you frequently spend in the card's bonus categories.

Our pick for

Dining rewards

4.9

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR for 12 billing cycles on purchases and balance transfers
Regular APR
14.99%-23.99% Variable APR
Rec. credit score
720-850 (Excellent)

Product Details

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 14.99% - 23.99%.
  • No Annual Fee
  • Points never expire
  • Terms and conditions apply.
Why we like U.S. Bank Altitude® Go Visa Signature® Card
The U.S. Bank Altitude® Go Visa Signature® Card offers a heaping helping of rewards on dining purchases — in fact, it's perhaps the best rate available for foodies among cards with an annual fee of $0.
Pros of U.S. Bank Altitude® Go Visa Signature® Card
  • You'll get 4X points on dining purchases; 2X points at grocery stores (including grocery delivery), gas stations, EV charging stations and on streaming services; and 1X points on other eligible purchases. There's also a bonus, an intro APR period and an annual credit on eligible streaming services.

Cons of U.S. Bank Altitude® Go Visa Signature® Card
  • Unlike some other dining rewards cards, this one doesn't feature an "entertainment" bonus category. Also, you can't pool your rewards with other U.S. Bank products.

Our pick for

Airline card

3.9

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
N/A
Regular APR
15.99%-24.99% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Citibank's application

Product Details

  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
  • No Annual Fee.
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services.
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases.
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights.
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Why we like American Airlines AAdvantage MileUp℠ Card
For occasional but loyal American Airlines flyers, the no-annual-fee American Airlines AAdvantage MileUp℠ Card is a cost-effective way to earn not only miles but also credit toward elite frequent-flyer status.
Pros of American Airlines AAdvantage MileUp℠ Card
  • The card earns 2 AAdvantage miles per $1 spent at grocery stores and on eligible American Airlines purchases, and 1 AAdvantage mile for every $1 spent on other purchases. It also offers a sign-up bonus, plus a discount on in-flight food and beverage purchases made with the card. Starting in January 2022, it also earns loyalty points toward elite status on the airline.

Cons of American Airlines AAdvantage MileUp℠ Card
  • The card doesn't offer free checked bags, and its 3% foreign transaction fee could get costly if you frequently travel internationally.

Our pick for

Hotel card

4.1

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
N/A
Regular APR
15.74%-24.74% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on American Express's website

Product Details

  • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
Why we like Hilton Honors American Express Card
If you want hotel benefits but don't want to pay an annual fee, the Hilton Honors American Express Card may be a perfect fit.
Pros of Hilton Honors American Express Card
  • The card earns 7 bonus points per dollar spent on eligible Hilton purchases; 5 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; and 3 points per dollar elsewhere. There's a super bonus offer and automatic Silver status. Terms apply.

Cons of Hilton Honors American Express Card
  • Although you earn a lot of points per dollar spent, the per-point value is relatively low. There's no annual free night like you'd find on many cards with annual fees (a perk which can essentially offset the fee).

Our pick for

Small business

5.0

/5
 NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
13.24%-19.24% Variable APR
Rec. credit score
690-850 (Good - Excellent)
Apply now

on Chase's website

Product Details

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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 purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Why we like Ink Business Cash® Credit Card
Any small business that spends a bundle on telecom services and/or office supplies can benefit from this card's generous rewards in these categories. The Ink Business Cash® Credit Card also comes with a stellar sign-up bonus and a 0% intro APR period.
Pros of Ink Business Cash® Credit Card
  • Bonus rewards of 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on cable, internet and phone service. Also, earn 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants, and 1% cash back on all other spending. There's also a sweet sign-up offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Cons of Ink Business Cash® Credit Card
  • If you aren't spending much in the bonus categories, the Ink Business Cash® Credit Card isn't a good fit. And if your business spends well above that $25,000 bonus category cap, you'll fare better with a different card, potentially one that offers unlimited flat-rate rewards.

FULL LIST OF EDITORIAL PICKS: BEST NO ANNUAL FEE CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: Flat-rate cash back

Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash℠ Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a generous 0% intro APR on both purchases and balance transfers. That's an impressive, hard-to-find combination of features on a card with a $0 annual fee. Read our review.

Our pick for: Flat-rate cash back

Year after year, the Citi® Double Cash Card – 18 month BT offer has been our choice for the best flat-rate cash-back card. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. There's no 0% intro period for purchases and no sign-up bonus, but the high rewards rate more than makes up for the lack of bells and whistles. Read our review.

Our pick for: Bonus category cash back

The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. You also get the issuer's signature "cash-back match" bonus in your first year. Read our review.

Our pick for: Bonus category cash back

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and a 0% intro APR period, too. Read our review.

Our pick for: Dining rewards

The U.S. Bank Altitude® Go Visa Signature® Card is perhaps the most cost-effective restaurant card on the market, earning a whopping 4 points per dollar on dining purchases including takeout and delivery. You can find higher rates on dining, but not on cards with no annual fee. Read our review. 

Our pick for: Travel rewards

The BankAmericard® credit card isn't flashy, nor does it aim to be. You get a decent 0% introductory APR period to whittle down debt or finance a large purchase. And that's about it. Read our review.

Our pick for: 0% intro APR period

The Wells Fargo Reflect℠ Card has one of the longest 0% intro APR periods on the market — potentially approaching almost two years, if you meet on-time minimum payment requirements. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Read our review.

Our pick for: 0% intro APR period

A lengthy 0% introductory APR period for both purchases and balance transfers has made the U.S. Bank Visa® Platinum Card a NerdWallet favorite. Read our review.

Our pick for: Dining and entertainment rewards

Love the night life but dead-set against paying an annual fee? Consider the Capital One SavorOne Cash Rewards Credit Card. It pays a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good. The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid. Read our review.

Our pick for: Airline card

To unlock the most valuable perks of airline credit cards, you'll have to pay an annual fee. But if you're a leisure traveler just hoping to earn airline miles in the background, it's hard to do better than the Delta SkyMiles® Blue American Express Card. Read our review.

Our pick for: Hotel card

The Hilton Honors American Express Card earns bonus rewards on Hilton stays and in common everyday categories. You also get automatic Silver status. Terms apply. Read our review.

Our pick for: Small business

If your business's spending matches the bonus categories on the Ink Business Cash® Credit Card, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.

The information related to the Wells Fargo Propel American Express® card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

Last updated on January 25, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.