Credit Cards

What are credit cards? How do they work? How do you decide among cash back, travel points and other options — and then maximize the value you get from your card? Browse our card picks, read our reviews and learn more about rewards, points, interest rates and how to apply — all on NerdWallet.

Find a credit card

NerdWallet's featured cards
Wells Fargo Active Cash Card
Wells Fargo Active Cash® Card
NerdWallet Rating
Apply now

on Wells Fargo's website

Rates & Fees
Chase Freedom Unlimited Credit Card
Chase Freedom Unlimited®
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on Chase's website

Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred® Card
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on Chase's website

Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve®
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on Chase's website

Annual Fee
$0
$0
$95
$550
Intro offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

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!

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®.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Rewards rates

• 2% cash back on all purchases.

• 5% cash back on travel booked through Chase.

• 3% at restaurants.

• 3% at drugstores.

• 1.5% on other purchases.

• 5X points on travel booked through Chase.

• 3X at restaurants.

• 3X on select streaming services.

• 3X on online grocery delivery (not including Target and Walmart).

• 2X on other travel.

• 1X on other purchases.

• 5X points on flights booked through Chase and 10X on hotels and car rentals booked through Chase, after the first $300 spent on travel purchases annually

• 10X on Chase Dining

• 3X on other travel and dining

• 1X on other purchases

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Credit card calculators

Featured Video

10:25
Video preview image

Credit Card Annual Fees Explained

Are credit card annual fees worth it? In this video, NerdWallet Credit Card expert Sally French breaks down why it often makes sense to pay an annual fee for a credit card, and when it may not.

From our partners

Chase Ink Business Preferred Credit Card
New Cardmember Offer! Earn 100,000 bonus points
Ink Business Preferred® Credit Card
US Bank Visa Platinum Credit Card
0% Intro APR for 18 billing cycles - Terms Apply
U.S. Bank Visa® Platinum Card
Bilt World Elite Mastercard Credit Card
Earn points on rent with no transaction fee. Terms apply.
Bilt World Elite Mastercard® Credit Card
Capital One Venture Rewards Credit Card
75k bonus miles offer - Terms Apply
Capital One Venture Rewards Credit Card
Capital One Spark Cash Plus
Easy-to-Manage Cash Back
Capital One Spark Cash Plus
N/A
LIMITED TIME OFFER! Up to 300,000 Bonus Miles.
Capital One Venture X Business

Read our reviews

BankAmericard Review: A Great Breather From Credit Card Interest

4.6

NerdWallet rating 
You won't get ongoing rewards or perks, but it's a terrific option for paying down debt or financing a large purchase.

Capital One Venture Review: Easy Earnings, Effortless Redemptions

4.7

NerdWallet rating 
Earn 2 miles per dollar spent on everything. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.

Wells Fargo Reflect® Card Review: An Extended Break From Interest

4.5

NerdWallet rating 
The card offers a competitive 0% intro APR promotion on balance transfers and purchases.

American Express Blue Cash Preferred Review: Perhaps the Ultimate Family Card

5.0

NerdWallet rating 
You'll earn 6% back at U.S. supermarkets on up to $6,000 a year in spending, plus 6% back on select U.S. streaming services and 3% back at U.S. gas stations and eligible transit. Terms apply. The catch? A sizable annual fee.

Discover it Balance Transfer Review: A Debt Zapper With Rewards

4.9

NerdWallet rating 
You expect a balance transfer card to offer a lengthy introductory APR period. But this card also gives you cash back — and a reason to hold on to it long-term.

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