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Credit Cards

From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals from our partners, to find the right one for you.

BEST CREDIT CARD FOR SIMPLE CASH BACK 2025

Wells Fargo Active Cash® Card

NerdWallet rating

5.0

Rates & Fees

Apply now

on Wells Fargo's website

Annual fee

Rewards rate

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

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. 19.24%, 24.24%, or 29.24% 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 and Fees

Pros

High rewards rate
No annual fee
Intro APR period

Cons

No bonus categories

BEST ALL-PURPOSE TRAVEL REWARDS CREDIT CARD 2025

Chase Sapphire Preferred® Card

NerdWallet rating

5.0

Rates & Fees

Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

100,000

Points

Recommended Credit Score

690-850

(Good - Excellent)

Earn 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
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, 2027.
Member FDIC
View Rates and Fees

Pros

New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners

Cons

Has annual fee
Requires good/excellent credit
Complicated rewards

Discover it® Cash Back

NerdWallet rating

4.9

Rates & Fees

Apply now

on Discover's website, or call

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

690-850

(Good - Excellent)

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 $150 cash back into $300.
Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.
View Rates and Fees

Pros

No annual fee
Intro APR period
Bonus categories
Cash rewards

Cons

Complicated rewards
Spending caps on bonus rewards
Lower acceptance abroad

Citi Double Cash® Card

NerdWallet rating

4.9

Rates & Fees

Apply now

on Citibank's application

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

630-850

(Average - Excellent)

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.
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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
View Rates and Fees

Pros

No annual fee
High rewards rate
Intro balance transfer fee

Cons

No intro APR period on purchases

BEST CREDIT CARD FOR SIMPLE CASH BACK 2025

Wells Fargo Active Cash® Card

NerdWallet rating

5.0

Rates & Fees

Apply now

on Wells Fargo's website

Annual fee

Rewards rate

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

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. 19.24%, 24.24%, or 29.24% 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 and Fees

Pros

High rewards rate
No annual fee
Intro APR period

Cons

No bonus categories

BEST CREDIT CARD FOR ENTERTAINMENT 2025

Capital One Savor Cash Rewards Credit Card

NerdWallet rating

5.0

Rates & Fees

Capital One® SavorSM Cash Rewards Credit Card

Apply now

on Capital One's website

Annual fee

Rewards rate

1%-8%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
View Rates and Fees

Pros

No annual fee
Intro APR period
Bonus categories
No foreign transaction fees

Cons

Requires good/excellent credit

BEST ALL-PURPOSE TRAVEL REWARDS CREDIT CARD 2025

Chase Sapphire Preferred® Card

NerdWallet rating

5.0

Rates & Fees

Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

100,000

Points

Recommended Credit Score

690-850

(Good - Excellent)

Earn 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
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, 2027.
Member FDIC
View Rates and Fees

Pros

New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners

Cons

Has annual fee
Requires good/excellent credit
Complicated rewards

Capital One Venture Rewards Credit Card

NerdWallet rating

4.7

Rates & Fees

Apply now

on Capital One's website

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000 Miles + $250 Travel Credit

Miles

Recommended Credit Score

690-850

(Good - Excellent)

Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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 $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
View Rates and Fees

Pros

High rewards rate
Flexible rewards redemption

Cons

Has annual fee
Requires good/excellent credit

The Platinum Card® from American Express

NerdWallet rating

5.0

Rates & Fees

The Platinum Card® from American Express

Apply now

on American Express' website

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

80,000

Points

Recommended Credit Score

690-850

(Good - Excellent)

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
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 and Fees

Pros

Bonus categories
Transfer partners
Luxury perks
Lounge membership
Automatic elite status

Cons

Has annual fee
Complicated rewards
Requires good/excellent credit

Blue Cash Everyday® Card from American Express

NerdWallet rating

4.9

Rates & Fees

Blue Cash Everyday® Card from American Express

Apply now

on American Express' website

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

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, 20.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
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 and Fees

Pros

No annual fee
High rewards rate
Intro APR period
Bonus categories

Cons

Requires good/excellent credit
Spending caps on bonus rewards

Blue Cash Everyday® Card from American Express

NerdWallet rating

4.9

Rates & Fees

Apply now

on American Express' website

Annual fee

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

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, 20.24% to 29.24% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
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 and Fees

Pros

No annual fee
High rewards rate
Intro APR period
Bonus categories

Cons

Requires good/excellent credit
Spending caps on bonus rewards

Explore more cards

Online Savings Accounts

The best online savings accounts offer high interest rates while being a great place to park your money. Check out the offers, from our partners, and start earning interest today.

SoFi Checking and Savings

NerdWallet rating

4.5

Learn more

at SoFi Bank, N.A., Member FDIC

APY

3.80%

With $0 min. balance for APY

Bonus

$300

Earn up to $300 with direct deposit. Terms apply.

Barclays Online Savings Account

NerdWallet rating

4.5

Read review

APY

3.80%

With $0 min. balance for APY

Bonus

N/A

American Express® High Yield Savings Account

NerdWallet rating

4.5

Read review

APY

3.70%

With $0 min. balance for APY

Bonus

N/A

Explore more online savings accounts

Personal Loans

Personal loans are unsecured loans with fixed annual percentage rates, generally from about 6% to 35.99%. Compare the best personal loans for good and bad credit, debt consolidation, home improvement and more.

SoFi Personal Loan

NerdWallet rating

5.0

Get rate

on SoFi's website

Est. APR

8.99-29.99%

Loan amount

$5,000-$100,000

Min. credit score

None

Qualifications
• Must be at least 18 years old in most states.
• Must be a U.S. citizen, permanent or non-permanent resident, including DACA recipients and asylum seekers.
• Must be employed, have sufficient income from another source, or have an offer of employment to start within the next 90 days.
• Acceptable income sources: Employment, spouse’s income, retirement, alimony, child support, Social Security payments and disability benefits.
Available Term Lengths
• 2 to 7 years
Fees
• Origination fee: 0% to 7%.
• Late fee: None.
Disclaimer: Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 09/18/24 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. Direct Deposit Discount: To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.
View Rates and Fees

Pros

Multiple rate discounts.
Fast funding.
Large loan amounts.
Joint loan option.
Mobile app to manage loan.

Cons

No option to choose initial payment date.
High minimum loan amount.

LightStream

NerdWallet rating

4.5

Get rate

on LightStream's website

Est. APR

6.49-25.29%

Loan amount

$5,000-$100,000

Min. credit score

660

Qualifications
• Minimum credit score: 660, but can vary depending on the loan purpose and amount.
• Maximum debt-to-income ratio: 50%.
• Minimum credit history: 3 years.
• Income sources accepted: Employment, retirement, rental income, alimony, child support, Social Security payments and disability benefits.
• Must be a U.S. citizen or permanent resident who is at least 18 years old and has a U.S. bank account.
Available Term Lengths
• 2 to 7 years
Fees
• Origination fee: None.
• Late fee: None.
Disclaimer: Rates quoted are with AutoPay. Your loan terms are not guaranteed and may vary based on loan purpose, length of loan, loan amount, credit history and payment method (AutoPay or Invoice). AutoPay discount is only available when selected prior to loan funding. Rates without AutoPay are 0.50% points higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. You may be required to verify income, identity and other stated application information. Payment example: Monthly payments for a $10,000 loan at 7.99% APR with a term of 5 years would result in 60 monthly payments of $202.72. Some additional conditions and limitations apply. Advertised rates and terms are subject to change without notice. Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
View Rates and Fees

Pros

No fees.
Rate discount for autopay.
Long repayment terms and large loan amounts.
Fast funding.
Rate Beat program and Experience Guarantee.

Cons

No option to pre-qualify.
No direct payment to creditors with debt consolidation loans.
High minimum loan amount.

Upstart

NerdWallet rating

5.0

Get rate

on Upstart's website

Est. APR

6.70-35.99%

Loan amount

$1,000-$50,000

Min. credit score

None

Qualifications
• Must be a U.S. citizen or permanent resident living in the U.S.
• Must be at least 18 years old in most states.
• Must have a valid email address and Social Security number.
• Must have a full- or part-time job, a full-time job offer starting within six months or another source of regular income.
• Must have a personal bank account at a U.S. financial institution with a routing number.
• No bankruptcies in the last 12 months.
• No current delinquent accounts on your credit reports.
• Fewer than six hard inquiries on your credit report in the last six months, excluding student, auto and mortgage loans.
• Minimum credit score: None.
• Minimum annual income: $12,000.
Available Term Lengths
• 3 to 5 years
Fees
• Origination: 0% to 12%.
• Late fee: 5% of the unpaid amount or $15, whichever is greater.
• Insufficient funds fee: $15.
Disclaimer: The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 18.60% and a 8.51% origination fee of $851, for an APR of 23.07%. In this example, the borrower will receive $9149 and will make 60 monthly payments of $258. APR is calculated based on 5-year rates offered in December 2024. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
View Rates and Fees

Pros

Accepts borrowers with bad credit or thin credit histories.
Has a low income requirement.
Fast approval and funding.
Allows secured loans.
Option to change your payment date.

Cons

Origination fee.
No rate discounts.
No joint or co-signed loans.
No direct payment to creditors on debt-consolidation loans.

Explore more personal loans

Mortgages

Reach out to multiple lenders to see how much you can save. It pays to compare your options.

New American Funding

NerdWallet rating

4.5

Learn more

at New American Funding

Min. credit score

580

CONVENTIONAL:	580
VA:	580
FHA:	500
USDA:	640
JUMBO:	680

Min. down payment

N/A

Pros

Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
Its home equity line of credit can be used for a primary residence or second home.

Cons

Average origination fees are on the high side, according to the latest federal data.
Personalized mortgage rates are not available on the website without providing contact information.

NBKC

NerdWallet rating

4.5

Learn more

at NBKC

Min. credit score

620

VA:	620
FHA:	620
CONVENTIONAL:	620
JUMBO:	640

Min. down payment

Pros

Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options

Cons

HELOCs and no-down-payment loans are available only in the Kansas City metro area.
Mobile app focuses on online banking, not mortgages.
You’ll need to share contact information to see customized mortgage rates.