Compare top credit cards, banks, and loans

on Citibank's application

Annual fee

Intro APR

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

Regular APR

18.24%-28.99% Variable APR

Recommended Credit Score

690-850

(Good - Excellent)

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 18.24% - 28.99%, 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 and Fees

Pros

No annual fee
Intro APR period

Cons

No rewards
No new cardholder bonus offer
Requires good/excellent credit

Wells Fargo Reflect® Card

NerdWallet rating

4.5

on Wells Fargo's website

Annual fee

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Recommended Credit Score

690-850

(Good - Excellent)

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
View Rates and Fees

Pros

No annual fee
Intro APR period

Cons

No rewards

Citi Double Cash® Card

NerdWallet rating

4.9

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

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

NerdWallet rating

4.9

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 your 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 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable 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

Capital One Venture Rewards Credit Card

NerdWallet rating

4.7

on Capital One's website

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

690-850

(Good - Excellent)

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
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

Chase Freedom Unlimited®

NerdWallet rating

5.0

on Chase's website

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

690-850

(Good - Excellent)

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
View Rates and Fees

Pros

No annual fee
Intro APR period
High rewards rate
No minimum redemption amount

Cons

Requires good/excellent credit

Chase Sapphire Preferred® Card

NerdWallet rating

5.0

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

690-850

(Good - Excellent)

Earn 60,000 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.
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 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

Wells Fargo Active Cash® Card

NerdWallet rating

5.0

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

Discover it® Cash Back

NerdWallet rating

4.9

Not sure these are right for you? Explore more cards

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 your 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

Auto Insurance

Rates change over time, so you could find better coverage that costs less by checking rates every few months. There's no penalty for switching, and you may even get a refund for the unused portion of your current policy.

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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, get the Nerds’ take on them, and start earning interest today.

SoFi Checking and Savings

NerdWallet rating

4.5

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

Not sure if these are right for you? Explore more online savings accounts

at American Express National Bank, Member FDIC

APY

3.60%

With $0 min. balance for APY

Bonus

N/A

Personal Loans

Personal loans are unsecured loans with fixed APRs, generally from about 6% to 35.99%. Get the Nerds’ take on 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

8.99-35.49%

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 35.49% 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 04/24/25 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.

Not sure if these are right for you? Explore more personal loans

Mortgages

Compare some of our Nerd-reviewed mortgage options, then reach out to multiple lenders to see how much you can save. It pays to compare quotes.

NBKC

NerdWallet rating

4.5

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.

Rocket Mortgage, LLC

NerdWallet rating

4.5

at Rocket Mortgage, LLC

Min. credit score

620

VA:	580
FHA:	580
CONVENTIONAL:	620
JUMBO:	680

Min. down payment

Pros

Reported average time to close is 15 days faster than industry average.
FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
Borrowers can apply via mobile app.

Cons

Origination fees are on the higher end, according to the latest federal data.
No construction or renovation loans.
Physical branches are only available in Detroit, Cleveland, and Phoenix.

Rate

NerdWallet rating

5.0