2020's Credit
Card Winners

Play your cards right with 2020's best credit cards – from travel rewards to 0% intro APR offers and more. And while many of the winners are our partners, this didn't influence our decisions or opinions. Our opinions are our own.

Best-Of Awards > Credit Cards

Best Bonus Rewards Cash-Back Credit Card

Discover it® Cash Back

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

Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Requires good/excellent credit
  • 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.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Requires good/excellent credit
  • 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.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Why this CARD made the list

This card earns a high rewards rate in popular spending categories that change each quarter. The unique bonus offer can be lucrative, too.

Read our methodology

Best Credit Card for Families

American Express Blue Cash Preferred Credit Card

on American Express's website

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1%-6%

Cashback

Intro offer

$350

Recommended Credit Score

Pros

  • High rewards rate
  • Bonus categories
  • Intro APR period
  • Cash rewards

Cons

  • Has annual fee
  • Requires good/excellent credit
  • Spending caps on bonus rewards
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1%-6%

Cashback

Intro offer

$350

Recommended Credit Score

Pros

  • High rewards rate
  • Bonus categories
  • Intro APR period
  • Cash rewards

Cons

  • Has annual fee
  • Requires good/excellent credit
  • Spending caps on bonus rewards
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Why this CARD made the list

This is a great option for grocery-heavy budgets. Plus, you’ll earn rich rewards at U.S. gas stations and on eligible transit and streaming services.

Read our methodology

Information about the Wells Fargo Propel American Express® card may be out of date. This product is not available on NerdWallet.

Best No-Annual-Fee Travel Credit Card

Annual Fee

$0

Rewards Rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

Pros

  • No annual fee
  • Sign-up bonus
  • No foreign transaction fee
  • Intro APR period on Purchases and qualifying Balance Transfers

Cons

  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on popular streaming services
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
Annual Fee

$0

Rewards Rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

Pros

  • No annual fee
  • Sign-up bonus
  • No foreign transaction fee
  • Intro APR period on Purchases and qualifying Balance Transfers

Cons

  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on popular streaming services
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
Why this CARD made the list

This card offers excellent bonus rewards across a wide variety of everyday spending categories, plus a nice welcome offer — all with no card ownership cost.

Read our methodology

Best Flat-Rate Travel Credit Card

Capital One Venture Rewards Credit Card

on Capital One's website

Annual Fee

$95

Rewards Rate

2x

Miles

Intro offer

60,000

Miles

Recommended Credit Score

Pros

  • High rewards rate
  • Flexible rewards redemption

Cons

  • High annual fee
  • Rewards have limited flexibility
  • Requires good/excellent credit
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Annual Fee

$95

Rewards Rate

2x

Miles

Intro offer

60,000

Miles

Recommended Credit Score

Pros

  • High rewards rate
  • Flexible rewards redemption

Cons

  • High annual fee
  • Rewards have limited flexibility
  • Requires good/excellent credit
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Why this CARD made the list

This card earns a high rewards rate on every purchase, and those rewards are flexible and easy to use. Redeem them for virtually any kind of travel expense.

Read our methodology

Best Flat-Rate Cash-Back Credit Card

Citi® Double Cash Card

on Citibank's application

Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • Requires good/excellent credit
  • No bonus offer
  • No bonus categories
  • 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 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.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • Requires good/excellent credit
  • No bonus offer
  • No bonus categories
  • 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 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.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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 this CARD made the list

With a two-part rewards system that delivers one of the best cash-back rates on the market, it's a reliable and valuable option for everyday spending.

Read our methodology

Information about the Capital One® Savor® Cash Rewards Credit Card may be out of date. This product is not available on NerdWallet.

Best Credit Card for Dining and Entertainment

Annual Fee

$95

Rewards Rate

1%-4%

Cashback

Intro offer

$300

Recommended Credit Score

Pros

  • No foreign transaction fee
  • Rich rewards on dining, entertainment
  • Broad definition of entertainment
  • Generous sign-up bonus

Cons

  • Has annual fee
  • High APR, no 0% intro period
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
Annual Fee

$95

Rewards Rate

1%-4%

Cashback

Intro offer

$300

Recommended Credit Score

Pros

  • No foreign transaction fee
  • Rich rewards on dining, entertainment
  • Broad definition of entertainment
  • Generous sign-up bonus

Cons

  • Has annual fee
  • High APR, no 0% intro period
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
Why this CARD made the list

It’s a great fit for foodies and fun-lovers, not just because of its high rewards rates, but also for its broad definitions of “dining” and “entertainment.”

Read our methodology

Best Bonus Rewards Travel Credit Card

Chase Chase Sapphire Reserve Credit Card

on Chase's website

Annual Fee

$550

Rewards Rate

1x-10x

Points

Intro offer

60,000

Points

Recommended Credit Score

Pros

  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage

Cons

  • High annual fee
  • Requires excellent credit
  • 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel 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, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee

$550

Rewards Rate

1x-10x

Points

Intro offer

60,000

Points

Recommended Credit Score

Pros

  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage

Cons

  • High annual fee
  • Requires excellent credit
  • 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel 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, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Why this CARD made the list

This card offers sweet ongoing rewards and perks, plus practical long-term value like a yearly $300 travel credit that pays back a big chunk of its annual fee.

Read our methodology

Best Premium Credit Card

American Express Platinum Credit Card

on American Express's website

Annual Fee

$695

Rewards Rate

1x-10x

Points

Intro offer

100,000

Points

Recommended Credit Score

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Lounge membership
  • Automatic elite status

Cons

  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 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.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
Annual Fee

$695

Rewards Rate

1x-10x

Points

Intro offer

100,000

Points

Recommended Credit Score

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Lounge membership
  • Automatic elite status

Cons

  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 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.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
Why this CARD made the list

The annual fee is high, but it unlocks wide-ranging perks like travel credits, exclusive services, airport lounge access, hotel benefits and much more.

Read our methodology

Best Hotel Credit Card

World Of Hyatt Credit Card

on Chase's website

Annual Fee

$95

Rewards Rate

1x-9x

Points

Intro offer

30,000

Points

Recommended Credit Score

Pros

  • New cardholder bonus offer
  • Automatic free night annually
  • Bonus categories
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Limited redemptions
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Limited Time offer: Apply by 9/30/21 and upon approval you'll receive 2 Tier-Qualifying Night Credits for each night you stay from 8/16/21 through 12/31/21.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Annual Fee

$95

Rewards Rate

1x-9x

Points

Intro offer

30,000

Points

Recommended Credit Score

Pros

  • New cardholder bonus offer
  • Automatic free night annually
  • Bonus categories
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Limited redemptions
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Limited Time offer: Apply by 9/30/21 and upon approval you'll receive 2 Tier-Qualifying Night Credits for each night you stay from 8/16/21 through 12/31/21.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Why this CARD made the list

The card earns solid rewards and is packed with perks, including a free night every year and a chance to earn a second one, on top of a valuable sign-up bonus.

Read our methodology

Best Airline Credit Card

Chase United Airlines Mileage Plus Credit Card

on Chase's website

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1x-2x

Miles

Intro offer

60,000

Miles

Recommended Credit Score

Pros

  • Bonus categories
  • Luxury perks
  • New cardholder bonus offer
  • Free checked bag

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10,000 bonus miles after you spend $6,000 in the first 6 months.
  • $0 introductory annual fee for the first year, then $95
  • Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
  • Up to $100 Global Entry or TSA PreCheck® fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on dining and eligible delivery services
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1x-2x

Miles

Intro offer

60,000

Miles

Recommended Credit Score

Pros

  • Bonus categories
  • Luxury perks
  • New cardholder bonus offer
  • Free checked bag

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10,000 bonus miles after you spend $6,000 in the first 6 months.
  • $0 introductory annual fee for the first year, then $95
  • Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
  • Up to $100 Global Entry or TSA PreCheck® fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on dining and eligible delivery services
Why this CARD made the list

Even occasional United flyers can benefit from perks like free checked bags, priority boarding and lounge passes. Its bonus categories are also practical.

Read our methodology

Best 0% Intro APR Credit Card

US Bank Visa Platinum Credit Card

on US Bank's website

Annual Fee

$0*

Rewards Rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Cell phone insurance

Cons

  • No rewards
  • Requires good/excellent credit
  • No bonus offer
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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.
Annual Fee

$0*

Rewards Rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Cell phone insurance

Cons

  • No rewards
  • Requires good/excellent credit
  • No bonus offer
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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.
Why this CARD made the list

This card features a lengthy interest-free promo period, making it ideal for financing a big purchase or paying off debt. It also offers cell phone insurance.

Read our methodology

Best Credit Card for College Students

Discover it® Student chrome

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

Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Qualify with average credit
  • Bonus categories

Cons

  • Complicated rewards
  • 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Qualify with average credit
  • Bonus categories

Cons

  • Complicated rewards
  • 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
Why this CARD made the list

Earn bonus rewards on gas and at restaurants — no category tracking required — plus a bonus for good grades and a cash-back match at the end of your first year.

Read our methodology

Best Credit Card for International Students

Deserve® Edu Mastercard for Students

on Deserve's website

Annual Fee

$0

Rewards Rate

1%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • Qualify with limited/bad credit
  • Reports to the three major credit bureaus
  • No foreign transaction fees

Cons

  • High APR
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Annual Fee

$0

Rewards Rate

1%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • Qualify with limited/bad credit
  • Reports to the three major credit bureaus
  • No foreign transaction fees

Cons

  • High APR
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Why this CARD made the list

It offers rewards and perks, with no credit history or security deposit required. International students don't even need a Social Security number to apply.

Read our methodology

Best Credit Card for Building Credit

Discover it® Secured Credit Card

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

Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Qualify with limited/bad credit
  • Earns rewards
  • New cardholder bonus offer

Cons

  • Requires minimum deposit
  • High APR
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Qualify with limited/bad credit
  • Earns rewards
  • New cardholder bonus offer

Cons

  • Requires minimum deposit
  • High APR
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Why this CARD made the list

This card offers rare features for its category, like rewards, no annual fee and the potential for an upgrade to an unsecured card after eight months.

Read our methodology

Information about the Capital One Spark Cash for Business may be out of date. This product is not available on NerdWallet.

Best Small-Business Cash-Back Credit Card

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

2%

Cashback

Intro offer

$500

Recommended Credit Score

Pros

  • High rewards rate
  • No foreign transaction fees

Cons

  • Requires good/excellent credit
  • High APR
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

2%

Cashback

Intro offer

$500

Recommended Credit Score

Pros

  • High rewards rate
  • No foreign transaction fees

Cons

  • Requires good/excellent credit
  • High APR
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Why this CARD made the list

It offers 2% cash back on all purchases with no spending caps or bonus categories to track — ideal for those seeking simplicity. There’s a plum bonus, too.

Read our methodology

Best Small-Business Travel Credit Card

The Business Platinum® Card from American Express OPEN Credit Card

on American Express's website

Annual Fee

$595

Rewards Rate

1x-5x

Points

Intro offer

100,000

Points

Recommended Credit Score

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
Annual Fee

$595

Rewards Rate

1x-5x

Points

Intro offer

100,000

Points

Recommended Credit Score

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
Why this CARD made the list

Though the card’s annual fee is high, its perks are generous — from travel credits and redemption bonuses to airport lounge access and hotel status.

Read our methodology

Information about the Capital One® Walmart Rewards™ Mastercard® may be out of date. This product is not available on NerdWallet.

Best Store Credit Card

Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • Limited rewards for in-store shopping
  • No intro APR period
  • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more
  • $0 annual fee
  • No foreign transaction fees
Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • Limited rewards for in-store shopping
  • No intro APR period
  • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more
  • $0 annual fee
  • No foreign transaction fees
Why this CARD made the list

It offers some of the richest and most flexible rewards of any store credit card, which works out well given that Walmart sells nearly everything.

Read our methodology

Information about the ABOC Platinum Rewards Mastercard® Credit Card may be out of date. This product is not available on NerdWallet.

Best Credit Card for Fair Credit

Annual Fee

$0

Rewards Rate

1x-5x

Points

Intro offer

150

Points

Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period

Cons

  • Requires excellent credit
  • Rewards have limited flexibility
  • Complicated rewards
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
Annual Fee

$0

Rewards Rate

1x-5x

Points

Intro offer

150

Points

Recommended Credit Score

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period

Cons

  • Requires excellent credit
  • Rewards have limited flexibility
  • Complicated rewards
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
Why this CARD made the list

It offers perks not often found on cards for fair credit, like rotating rewards categories, a sign-up bonus and a 0% intro APR period.

Read our methodology

Information about the Amex EveryDay® Credit Card may be out of date. This product is not available on NerdWallet.

Best Balance-Transfer Credit Card

Annual Fee

$0

Rewards Rate

1x-2x

Points

Intro offer

10,000

Points

Recommended Credit Score

Pros

  • Decent rewards rate
  • No annual fee

Cons

  • Foreign transaction fee
  • Longer 0% intro APRs available elsewhere
  • Higher rewards available elsewhere
  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
  • 0% intro APR on purchases for 15 months, then a variable APR, 12.99% to 23.99%.
  • No Annual Fee.
  • Terms Apply.
  • Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.
Annual Fee

$0

Rewards Rate

1x-2x

Points

Intro offer

10,000

Points

Recommended Credit Score

Pros

  • Decent rewards rate
  • No annual fee

Cons

  • Foreign transaction fee
  • Longer 0% intro APRs available elsewhere
  • Higher rewards available elsewhere
  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
  • 0% intro APR on purchases for 15 months, then a variable APR, 12.99% to 23.99%.
  • No Annual Fee.
  • Terms Apply.
  • Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.
Why this CARD made the list

It’s light on fees and heavy on debt-zapping features. Unlike some cards in its class, it earns rewards, so it may be worth using even after debt is paid off.

Read our methodology

To view rates and fees of the Amex EveryDay® Credit Card, please visit this page.

Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.

Best Gas Credit Card

Annual Fee

$0

Rewards Rate

1.5%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • No reward caps

Cons

  • No bonus offer
  • No 0% intro APR
  • No Annual Fee
  • Unlimited 1.5% cash back on purchases everywhere Visa is accepted
  • A portion of every purchase you make with the Ducks Unlimited Rewards Visa® Card helps fund wetlands conversation efforts
Annual Fee

$0

Rewards Rate

1.5%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • No reward caps

Cons

  • No bonus offer
  • No 0% intro APR
  • No Annual Fee
  • Unlimited 1.5% cash back on purchases everywhere Visa is accepted
  • A portion of every purchase you make with the Ducks Unlimited Rewards Visa® Card helps fund wetlands conversation efforts
Why this CARD made the list

This card offers some of the highest rewards you’ll find on gas and at sporting goods stores, with no annual fee or membership required.

Read our methodology

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Frequently Asked Questions