BEST OF

Best Visa Credit Cards of December 2022

Nov 15, 2022

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Visa credit cards are widely accepted both in the United States and outside the country. If you’re looking for a new one, options abound — which is good because there’s no such thing as a single “best” Visa card for everybody. To decide which card is best for you, consider your spending, debt and rewards preferences. Here are our top picks for credit cards on the Visa network.

NerdWallet's Best Visa Credit Cards of December 2022

Best Visa Credit Cards From Our Partners

Our pick for

Flat-rate cash back

Apply now

on Wells Fargo's website

Wells Fargo Active Cash® Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

2%

Cashback

Intro offer

$200

Recommended Credit Score

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

  • You'll earn 2% cash rewards 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 on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 18.74%, 23.74%, or 28.74% Variable APR.

Cons

  • 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.

Read full review
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

  • Earn unlimited 2% cash rewards on purchases

  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5

  • $0 annual fee

  • No categories to track or remember and cash rewards don't expire as long as your account remains open

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

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

  • View Rates & Fees

Our pick for

Bonus category cash back

Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%-6.5%

Cashback

Intro offer

$300

Recommended Credit Score

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. New cardholders get a great bonus offer, too.

Pros

  • This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% back on other purchases. New cardholders can snag this sign-up bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Cons

  • While you can earn big rewards on travel bookings with this card, it also charges a 3% foreign transaction fee, so it's not a good companion abroad.

Read full review
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card

  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Our pick for

Customizable categories cash back

Apply now

on Bank of America's website, or call (877) 754-6706

Bank of America® Customized Cash Rewards credit card

4.0

NerdWallet rating 
Apply now

on Bank of America's website, or call (877) 754-6706

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

The option to pick a 3% cash-back category among a list of six makes the Bank of America® Customized Cash Rewards credit card a flexible pick, and it can become even more valuable if you qualify for the Preferred Rewards program.

Pros

  • This card offers useful options for your 3% cash back category: gas, travel, dining, drugstores, online shopping or furniture/home improvement stores. You also get 2% cash back at grocery stores and wholesale clubs. (The 3% and 2% rewards are capped at $2,500 in combined spending per quarter; all other spending earns 1% back.) Cardholders eligible for the Bank of America® Preferred Rewards program earn higher rewards rates. The annual fee is $0.

Cons

  • It has a complicated rewards structure, and spending caps make it most appealing for low spenders. If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards. Even a flat-rate cash-back Visa might be better.

Read full review
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.

  • No annual fee and no expiration on rewards.

  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.99% - 26.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • 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.

Our pick for

Flat-rate travel rewards

Apply now

on Capital One's website

Capital One Venture Rewards Credit Card

4.7

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

Simple rewards and flexible redemption have rightly made the Capital One Venture Rewards Credit Card one of the most popular credit cards on the market.

Pros

  • Earn 5 miles per dollar spent on hotels and car rentals booked through Capital One Travel and 2 miles per dollar spent on everything else. Redeem miles for statement credit against most travel expenses. You’re not restricted to one airline or hotel, as is the case with co-branded cards. Just book your own travel, then pay for it with rewards.

Cons

  • You won’t find airline-specific perks with the Capital One Venture Rewards Credit Card. If you’re loyal to one particular airline or hotel chain, for example, it might be worth comparing this card with its co-branded cards.

Read full review
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

  • Earn unlimited 2X miles on every purchase, every day

  • Miles won't expire for the life of the account and there's no limit to how many you can earn

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network

  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel

  • Transfer your miles to your choice of 15+ travel loyalty programs

Our pick for

Bonus travel rewards

Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

If you're staunchly loyal to a single airline or hotel, a co-branded card might provide specific benefits that the Chase Sapphire Preferred® Card does not. But if you want flexibility in earning and redeeming rewards for a reasonable annual fee, this is the best card around.

Pros

  • Unlike with cards tied to a specific airline or hotel brand, you can use rewards from the Chase Sapphire Preferred® Card in many places. You earn 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®; 3 points per $1 spent on dining (including eligible delivery services and takeout), select streaming services, and online grocery purchases (not including Target, Walmart and wholesale clubs); 2 points per $1 spent on travel not purchased through Chase Ultimate Rewards®; and 1 point per $1 spent on other purchases. Points are worth 25% more when you use them to book travel through Chase Ultimate Rewards®, or you can transfer them at a 1:1 rate to several loyalty programs. The sign-up bonus is a huge plus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Cons

  • As a general travel card, the Chase Sapphire Preferred® Card lacks the special perks — such as free checked bags and free anniversary nights at a hotel — offered by some co-branded cards airline and hotel cards.

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

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

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

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

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Our pick for

No-annual-fee bonus travel rewards

Apply now

on Wells Fargo's website

Wells Fargo Autograph℠ Card - Offer Ending Soon

4.5

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

1x-3x

Points

Intro offer

30,000

Points

Recommended Credit Score

The Wells Fargo Autograph℠ Card - Offer Ending Soon offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories.

Pros

  • The card earns unlimited 3 points per dollar spent on travel, dining, gas stations, transit, popular streaming services and phone plans. Other spending earns 1 point per dollar. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.

Cons

  • You don't get the perks of a dedicated airline or hotel card, and there's no option to transfer points to airline or hotel programs.

Read full review
  • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023

  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases

  • $0 annual fee

  • 0% intro APR for 12 months from account opening on purchases. 18.74%, 23.74%, or 28.74% variable APR thereafter

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.

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

  • View Rates & Fees

Our pick for

0% interest period

Apply now

on Wells Fargo's website

Wells Fargo Reflect® Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

The Wells Fargo Reflect® Card boasts an offer that few other cards can match: a 0% intro APR period potentially approaching two years.

Pros

  • The highlight of this $0-annual-fee card: It offers a 0% intro APR on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 16.74%-28.74% Variable APR It also offers cell phone insurance.

Cons

  • The card doesn't earn ongoing rewards on everyday spending, so the value beyond the intro APR period is limited.

Read full review
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.

  • $0 Annual Fee

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

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

  • View Rates & Fees
Apply now

on US Bank's website

U.S. Bank Visa® Platinum Card

4.5

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

If you need to spread out payments on a purchase as long as possible without interest, here's your card.

Pros

  • The U.S. Bank Visa® Platinum Card gives you a good long time to pay off a major purchase. You get 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.24%-28.24% Variable APR.

Cons

  • This card offers no rewards, so there's not a very compelling incentive to keep using it after the 0% intro period runs out.

Read full review
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 28.24%.

  • 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.

  • View Rates & Fees

Our pick for

Premium features

Apply now

on Chase's website

Chase Sapphire Reserve®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$550

Rewards rate

1x-10x

Points

Intro offer

80,000

Points

Recommended Credit Score

The best premium travel card on the market gives you both top-notch rewards (what you get for using the card) and valuable perks (what you get just for carrying the card).

Pros

  • The Chase Sapphire Reserve® gives you 10 points per dollar spent on Chase Dining purchases, hotel stays, and car rental purchases made through Ultimate Rewards®; 5 points per dollar spent on air travel purchased through Ultimate Rewards®; 3 points per dollar spent on travel and dining not booked with Chase; and 1 point per dollar spent on all other purchases. Points are worth 1.5 cents apiece when redeemed for travel booked through Chase, or you can transfer them on a 1:1 basis to a dozen hotel and airline partners, possibly giving you even more value. You get $300 a year in credit for travel expenses. Add in the big sign-up bonus, and this card can easily pay for itself and then some, even with an annual fee of $550.

Cons

  • The $550 annual fee is a significant out-of-pocket expense. Much of the value of this card is tied to the $300 annual travel credit; if you don’t travel much, this isn’t the card for you.

Read full review
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Our pick for

Small-business travel

Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

100,000

Points

Recommended Credit Score

The Ink Business Preferred® Credit Card offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards in a variety of categories.

Pros

  • If your business spends enough to earn it, the sign-up bonus can offer a value of $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.

Cons

  • This card's bonus categories aren't a good fit for all business owners. There's an annual fee of $95. After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.

Read full review
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 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.

  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®

  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Our pick for

Gas

Apply now

on Pentagon Federal Credit Union's website

PenFed Platinum Rewards Visa Signature® Card

4.9

NerdWallet rating 
Apply now

on Pentagon Federal Credit Union's website

Annual fee

$0

Rewards rate

1x-5x

Points

Intro offer

15,000

Points

Recommended Credit Score

For some, the PenFed Platinum Rewards Visa Signature® Card won’t be an easy card to apply for, and redeeming points might be a hassle. But if you need a sky-high return on your gas spending, it may be the card for you.

Pros

  • If you’re willing to endure a little hassle in joining this credit union and using its points, it’s hard to beat the return in points on this card, which has an annual fee of $0. Each $1 spent on gas earns the equivalent of 4.25 cents when redeemed for gift cards, which is a superb return. It also helps at the supermarket. The card isn’t issued by a megabank, if that appeals to you.

Cons

  • To apply, you need to join the Pentagon Federal Credit Union, an organization that caters to military and government employees. (You can also join by making a charitable donation.) There is no cash-back option; just merchandise, gift cards and travel. Also, points generally aren’t worth the traditional penny apiece. You’ll typically get a value of 0.85 cent each, although points can be worth more than a penny when used for travel.

Read full review
  • Get Rewarded on Everyday Purchases.

  • 5x Points on gas paid at the pump and EV charging stations.

  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services.

  • 1x Points on all other purchases.

  • 15,000 Bonus Points when you spend $1,500 in first 90 days.

  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

  • Annual Fee: $0

  • Purchase Variable APR: 16.49% to 17.99%

  • Refer to PenFed.org for Terms/Conditions

FULL LIST OF EDITORIAL PICKS: BEST VISA 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: Bonus category cash back

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet cash bonus. Read our review.

Our pick for: Customizable categories cash back

The Bank of America® Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Read our review.

Our pick for: Flat-rate travel rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks. Read our review.

Our pick for: Bonus travel rewards

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Our pick for: No-annual-fee bonus travel rewards 

The Wells Fargo Autograph℠ Card - Offer Ending Soon offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Our pick for: 0% interest 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% interest 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: Premium features 

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

Our pick for: Small-business travel

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.

Our pick for: Gas 

For some, the PenFed Platinum Rewards Visa Signature® Card won’t be an easy card to apply for, and redeeming points might be a hassle. But if you need a sky-high return on your gas spending, it may be the card for you. Read our review.

Last updated on November 15, 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.