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Great question. NerdWallet's ratings formulas for auto insurance takes into account consumer complaint and customer satisfaction data. For Budget Pick, NerdWallet analyzed sample auto insurance rates generated from Quadrant Information Services in all 50 states and the District of Columbia.

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Want to see more cards? See our entire lineup of balance transfer cards from 2019.

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At NerdWallet, we offer straightforward advice and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.

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Monthly feeOut-of-Network ATM FeeDetails
Chime Spending Account's logo

at Chime,

Deposits are FDIC Insured

$0

$2.50

Why we like it

Chime is a mobile bank account that has no monthly fees, minimum balance requirements or overdraft fees, and you have access to more than 38,000 fee-free MoneyPass and Visa Plus Alliance ATMs. Through Chime’s early direct deposit service, customers can get their paychecks up to two days earlier than if they cashed their checks at a bank.

 

This account works best for people who don’t write many checks or make cash deposits. If you need to write a check, Chime has an online feature that creates and mails one on your behalf. For cash deposits, you’ll need to use a third-party service.

 

For more details on Chime, read our full review.

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Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

Show Details

Fixed APR

4.25-6.45%

Fixed

Variable APR

3.50-6.45%

Variable

Min credit score

660

on CommonBond Student Loan Refinance's secure website

Show Details

NerdWallet rating

Show Details

Fixed APR

4.25-8.77%

Fixed

Variable APR

3.50-8.72%

Variable

Min credit score

650

on Earnest Student Loan Refinance's secure website

Show Details

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[object Object] card art

on Chase's website

Featured Card

Great for: Airline Miles and a Large Bonus

Securely with Chase

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
See card details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
See card details

Annual Fee

$95

Bonus Value

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

Intro Purchase APR

n/a

Rewards Details

Earn 5X points on Lyft rides through March 2022, 2X points on travel and dining at restaurants, & 1 point per dollar spent on all other purchases worldwide
See NerdWallet's pros & cons
[object Object] card art

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

Great for: Bonus Categories and First Year Cashback Match

Securely with Discover

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
See card details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
See card details

Annual Fee

$0

Bonus Value

Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Intro Purchase APR

0% for 14 Months

Rewards Details

Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
See NerdWallet's pros & cons

VIEW RATES AND FEES

Card Template

Chase Sapphire Preferred® Card

on Chase's website

Pros
  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Earn more points on travel and dining at restaurants
  • Premium travel protection benefits
Cons
  • $95 annual fee
Annual Fee
$95
    Intro APR Promotions
    • N/A
    APR
    • APR: 15.99% - 22.99% Variable APR
    • Cash Advance APR: 24.99%, Variable
    Card Details
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
    • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
    Show Details

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    Build your credit

    Build the credit report you deserve. We bring together expert research and industry-leading tools to give you personalized tips that help you reach your goals.

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    Lender Card

    Learn More

    At Quicken Loans

    Min. credit score

    620

    Min. down payment

    3%

    NerdWallet rating
    Why we like it

    Ideal choice for convenience and quick-response customer service. Quicken Loans provides just about all the services your neighborhood lender does — with online convenience. Quicken Loans is the largest mortgage lender in the U.S.

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    NerdWallet 2020 Award Winner - Best Personal Loan for Good Credit

    Lightstream

    on LightStream's website

    on LightStream's website

    Min. Credit Score

    660

    Est. APR

    4.99 - 16.79%

    Loan Amount

    $5,000 - $100,000

    Pros

    • No fees.
    • Co-sign option.
    • Low starting rates.

    Cons

    • Does not offer pre-qualification on its website.
    • Requires several years of credit history.

    Qualifications

    • Minimum credit score of 660.
    • No minimum income specified.
    • Maximum debt-to-income ratio varies depending on loan purpose.

    Available Term Lengths

    • 2 to 7 years

    Fees

    • Origination fee: None.
    • Late fee: None.

    Disclaimer: 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). Rate quote includes AutoPay discount. AutoPay discount is only available when selected prior to loan funding. 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 $5,000 loan at 12.8% APR with a term of 3 years would result in 36 monthly payments of $168. Some additional conditions and limitations apply. Advertised rates and terms are subject to change without notice. SunTrust now Truist is an Equal Housing Lender. © 2020 Truist Financial Corporation. SunTrust®, Truist, LightStream®, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners. Lending services provided by SunTrust now Truist Bank.

    Read full review
    Min. Credit Score

    660

    Est. APR

    4.99 - 16.79%

    Loan Amount

    $5,000 - $100,000

    Pros

    • No fees.
    • Co-sign option.
    • Low starting rates.

    Cons

    • Does not offer pre-qualification on its website.
    • Requires several years of credit history.

    Qualifications

    • Minimum credit score of 660.
    • No minimum income specified.
    • Maximum debt-to-income ratio varies depending on loan purpose.

    Available Term Lengths

    • 2 to 7 years

    Fees

    • Origination fee: None.
    • Late fee: None.

    Disclaimer: 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). Rate quote includes AutoPay discount. AutoPay discount is only available when selected prior to loan funding. 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 $5,000 loan at 12.8% APR with a term of 3 years would result in 36 monthly payments of $168. Some additional conditions and limitations apply. Advertised rates and terms are subject to change without notice. SunTrust now Truist is an Equal Housing Lender. © 2020 Truist Financial Corporation. SunTrust®, Truist, LightStream®, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners. Lending services provided by SunTrust now Truist Bank.

    Read full review