CREDIT CARDSCREDIT CARDSOF 2021’S SMARTEST CARDS — BY CATEGORY
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12 of 2021’s Smartest Cards — by Category

NerdWallet's of 2021’s Smartest Cards — by Category

of 2021’s Smartest Cards — by Category From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Capital One Venture Rewards Credit Card Image
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's website
on Capital One's website
Rates & Fees
4.7/5
Excellent for Flat-rate travel rewards

$95

N/A

19.99%-29.99% Variable APR

Apply Now
on Capital One's website
on Capital One's website
Wells Fargo Active Cash® Card Image
Wells Fargo Active Cash® Card
Excellent for Cash back — high flat rate + incentives

$0

0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers

20.24%, 25.24%, or 29.99% Variable APR

Blue Cash Preferred® Card from American Express Image
Blue Cash Preferred® Card from American Express
Excellent for Everyday Spending

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

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

19.24%-29.99% Variable APR

Citi Custom Cash® Card Image
Citi Custom Cash® Card
Excellent for Lucrative rewards for everyday spending

$0

0% intro APR on Purchases and Balance Transfers for 15 months

19.24%-29.24% Variable APR

Blue Cash Everyday® Card from American Express Image
Blue Cash Everyday® Card from American Express
Excellent for Cash back on everyday spending

$0

0% intro APR for 15 months on purchases and balance transfers

19.24%-29.99% Variable APR

Chase Sapphire Preferred® Card Image
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
on Chase's website
Excellent for Airline Miles and a Large Bonus

$95

N/A

21.49%-28.49% Variable APR

Apply Now
on Chase's website
on Chase's website
Discover it® Cash Back Image
Discover it® Cash Back
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Excellent for Bonus Categories and First Year Cashback Match

$0

0% intro APR for 15 months on purchases and balance transfers

17.24%-28.24% Variable APR

BankAmericard® credit card Image
BankAmericard® credit card
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Excellent for Cost-Effective Balance Transfer

$0

0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days

16.24%-26.24% Variable APR

Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Chase Freedom Unlimited® Image
Chase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

$0

0% intro APR on purchases and Balance Transfers for 15 months

20.49%-29.24% Variable APR

Apply Now
on Chase's website
on Chase's website
Citi Double Cash® Card Image
Citi Double Cash® Card
Excellent for Flat Rate Cash Back

$0

0% intro APR on Balance Transfers for 18 months

19.24%-29.24% Variable APR

Citi® Diamond Preferred® Card Image
Citi® Diamond Preferred® Card
Excellent for Long 0% interest periods for balance transfers

$0

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

18.24%-28.99% Variable APR

U.S. Bank Visa® Platinum Card Image
U.S. Bank Visa® Platinum Card
Excellent for Long 0% period for transfers and purchases

$0

0% intro APR for 18 billing cycles on purchases and balance transfers

18.74%-29.74% Variable APR

Excellent for: Flat-rate travel rewards

Capital One Venture Rewards Credit Card card image
Capital One Venture Rewards Credit Card
4.7
NerdWallet rating
Annual fee
$95
Intro APR
N/A
Regular APR
19.99%-29.99% Variable APR
Recommended Credit Score

Excellent for: Cash back — high flat rate + incentives

Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit Score

Excellent for: Everyday Spending

Annual fee
$0 intro annual fee for the first year, then $95.
Intro APR
0% intro APR for 12 months on purchases and balance transfers
Regular APR
19.24%-29.99% Variable APR
Recommended Credit Score

Excellent for: Lucrative rewards for everyday spending

Annual fee
$0
Intro APR
0% intro APR on Purchases and Balance Transfers for 15 months
Regular APR
19.24%-29.24% Variable APR
Recommended Credit Score

Excellent for: Cash back on everyday spending

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
19.24%-29.99% Variable APR
Recommended Credit Score

Excellent for: Airline Miles and a Large Bonus

Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Intro APR
N/A
Regular APR
21.49%-28.49% Variable APR
Recommended Credit Score

Excellent for: Bonus Categories and First Year Cashback Match

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
17.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Cost-Effective Balance Transfer

Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Annual fee
$0
Intro APR
0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Regular APR
16.24%-26.24% Variable APR
Recommended Credit Score

Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®

Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on purchases and Balance Transfers for 15 months
Regular APR
20.49%-29.24% Variable APR
Recommended Credit Score

Excellent for: Flat Rate Cash Back

Annual fee
$0
Intro APR
0% intro APR on Balance Transfers for 18 months
Regular APR
19.24%-29.24% Variable APR
Recommended Credit Score

Excellent for: Long 0% interest periods for balance transfers

Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.24%-28.99% Variable APR
Recommended Credit Score

Excellent for: Long 0% period for transfers and purchases

Annual fee
$0
Intro APR
0% intro APR for 18 billing cycles on purchases and balance transfers
Regular APR
18.74%-29.74% Variable APR
Recommended Credit Score
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