• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases

• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠

• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.

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

• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.

• Member FDIC

• View Rates & Fees

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary

• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel

• Earn unlimited 2X miles on all other purchases

• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment

• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

• Receive up to a $120 credit for Global Entry or TSA PreCheck®

• Top rated mobile app

• View Rates & Fees

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

• 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. 18.49%, 24.49%, or 28.49% variable APR thereafter.

• Up to $600 of cell phone protection against damage or theft. 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.

• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

• View Rates & Fees

• Our best offer is back and better than ever! Earn 5 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.

• 2026 Exclusive Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's up to $50 in statement credits semi-annually.

• Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.

• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.

• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.

• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.

• Member FDIC

• View Rates & Fees

• Earn 60,000 bonus miles

• $0 introductory annual fee for the first year, then $150

• 2x miles on United® purchases, dining, and hotel stays when booked with the hotel

• Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.

• Priority boarding on United® flights

• 2 United Club one-time passes per year - over a $100 value

• Over $500 in partner credits each year

• Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit

• Member FDIC

• View Rates & Fees

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.

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

• Earn unlimited 2% cash rewards on purchases.

• 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% 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.

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

• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

• View Rates & Fees

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

• $0 intro annual fee for the first year, then $95.

• Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49% - 28.49%.

• Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.

• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.

• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

• Terms Apply.

• View Rates & Fees

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.

• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.

• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

• No Annual Fee

• Citi will only issue one Citi Custom Cash® Card account per person.

• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

• $0 annual fee and no foreign transaction fees

• Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases

• Earn 8% cash back on Capital One Entertainment purchases

• Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel

• 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 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies

• Top rated mobile app

• View Rates & Fees

• Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.

• $0 annual fee.

• Earn unlimited 4% cash rewards on self-care, select sports, recreation, entertainment and impact purchases including public transportation, and EV charging.

• Earn 1% cash rewards on other purchases.

• Get up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone bill with your Attune Card. Subject to a $25 deductible

• Zero Liability Protection- Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly

• The information related to the Wells Fargo Attune℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

• No Annual Fee.

• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.

• Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.

• Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

• Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.

• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

• Terms Apply.

• View Rates & Fees

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

• $0 intro annual fee for the first year, then $95.

• Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49% - 28.49%.

• Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.

• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.

• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

• Terms Apply.

• View Rates & Fees

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

• No Annual Fee.

• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.

• Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.

• Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

• Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.

• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

• Terms Apply.

• View Rates & Fees

• No Late Fees, No Penalty Rate, and No Annual Fee... Ever

• 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

• 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).

• Stay protected with Citi® Quick Lock

• View Rates & Fees

• No credit score required to apply. No Annual Fee.

• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.

• Automatic reviews starting at 7 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, automatically. You'll still earn unlimited 1% cash back on all other purchases.

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.

• Get an alert if we find your Social Security number on the dark web. Activate for free.

• Terms and conditions apply.

• View Rates & Fees

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.

• Redeem cash back for any amount

• No credit score required to apply.

• No annual fee and build credit with responsible use.

• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.

• Terms and conditions apply.

• View Rates & Fees

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

• Earn unlimited 1.5% cash back on every purchase made for your business

• No Annual Fee

• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

• Round-the-clock monitoring for unusual credit card purchases

• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

• 0% introductory APR for 12 months on purchases

• Earn 5% total cash back on Lyft rides through 9/30/27.

• Member FDIC

• View Rates & Fees

NerdWallet's award winners are chosen through a rigorous evaluation process involving 37 writers and editors. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel, or balance transfer) and the card's rates, fees, rewards, and other features. For more info, see our methodologies.

Our team of nerdy experts is composed of writers and editors — based all across the country — who have a combined 450 years of journalistic experience reviewing and writing about personal finance products for consumers.

Yes. Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.

Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of Awards lists, meaning no company can “buy” an award.

Our Best-Of Awards are given annually to the top financial products on the market. Our other “best” articles may:

• be longer than our Best-Of Awards list
• offer additional consumer choices
• get updated as products change or are discontinued and as new products emerge

This year's Best-Of-Awards list winners were chosen in mid-October 2025.