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Best Credit Cards of September 2022
From huge sign-up bonuses to generous rewards, NerdWallet’s best credit cards outshine the rest. Compare these deals from our partners to find one that fits your needs.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here’s how we make money.
Best for :
Rewards and upgrading
Capital One Quicksilver Secured Cash Rewards Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.9
/5
Annual fee
$
0
Intro APR
N/A
Regular APR
26.99% Variable APR
Minimum deposit
200
Recommended Credit Score
300-629 (Poor)
Product Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- 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
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
Our Take
Pros
-
Qualify with limited/bad credit
-
Reports to the three major credit bureaus
-
Earns rewards
-
No minimum redemption amount
-
Rewards don't expire
-
No annual fee
Cons
-
High APR
-
No new cardholder bonus offer
-
No bonus categories
Best for :
Rewards plus a path to unsecured credit
Discover it® Secured Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
10.99% intro APR on Balance Transfers for 6 months
Regular APR
24.49% Variable APR
Minimum deposit
200
Recommended Credit Score
300-629 (Poor)
Product Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- 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. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "Apply Now" to see terms and conditions.
Our Take
Pros
-
No annual fee
-
Reports to the three major credit bureaus
-
Qualify with limited/bad credit
-
Earns rewards
-
New cardholder bonus offer
Cons
-
Requires minimum deposit
-
High APR
Best for :
Low minimum deposit
Capital One Platinum Secured Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.8
/5
Annual fee
$
0
Intro APR
N/A
Regular APR
26.99% Variable APR
Minimum deposit
$49, $99 or $200
Recommended Credit Score
300-629 (Poor)
Product Details
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Our Take
Pros
-
No annual fee
-
Qualify with limited/bad credit
-
No foreign transaction fees
-
Report to three major credit bureaus
Cons
-
Requires minimum deposit
-
No rewards
-
High APR
Best for :
No credit check and easy account management
No credit check and easy account management
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.6
/5
Annual fee
$
0
Intro APR
N/A
Regular APR
N/A
Minimum deposit
N/A
Recommended Credit Score
300-669 (Poor – Average)
Product Details
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
- No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
- Increase your credit score by an average of 30 points, with regular, on-time payments.¹
- Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Spending Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.
Our Take
Pros
-
No annual fee
-
No credit check
-
No APR
-
Adjustable credit limit
Cons
-
Must open a Chime account
-
No rewards
-
No upgrade path
Best for :
0% intro period and ongoing cash back
Chase Freedom Unlimited®
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
16.49%-25.24% Variable APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 16.49% - 25.24%.
- 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, real-time alerts, and more.
-
See if you qualify for a better offer with Chase:
Our Take
Pros
-
No annual fee
-
Intro APR period
-
High rewards rate
-
No minimum redemption amount
Cons
-
Requires good/excellent credit
Best for :
Cash back for travel bookings
Chase Freedom Unlimited®
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
16.49%-25.24% Variable APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 16.49% - 25.24%.
- 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, real-time alerts, and more.
-
See if you qualify for a better offer with Chase:
Our Take
Pros
-
No annual fee
-
Intro APR period
-
High rewards rate
-
No minimum redemption amount
Cons
-
Requires good/excellent credit
Best for :
Best for: Long 0% intro period
BankAmericard® credit card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
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
14.49%-24.49% Variable APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Our Take
Pros
-
No annual fee
-
Intro APR period
-
New cardholder bonus offer
Cons
-
Requires good/excellent credit
-
No ongoing rewards
Best for :
Long 0% period for transfers
Citi® Diamond Preferred® Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.4
/5
Annual fee
$
0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
15.24%-25.24% Variable APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.24% - 25.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- The standard variable APR for Citi Flex Plan is 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Our Take
Pros
-
No annual fee
-
Intro APR period
-
Intro balance transfer fee
Cons
-
Requires good/excellent credit
-
No rewards
Best for :
Long-term value: 0% periods for transfers and purchases + bonus cash back
Discover it® Balance Transfer
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.9
/5
Annual fee
$
0
Intro APR
0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Regular APR
13.49%-24.49% Variable APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Best for :
Longest 0% period for transfers and purchases
Wells Fargo Reflect℠ Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Regular APR
14.49%-26.49% Variable APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% 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
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
Our Take
Pros
-
No annual fee
-
Intro APR period
Cons
-
No rewards
Best for :
0% APR intro offer with no annual fee
Ink Business Cash® Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Our Take
Pros
-
No annual fee
-
Intro APR period
-
New cardholder bonus offer
Cons
-
Requires good/excellent credit
-
Low rate outside bonus categories
-
Spending caps on bonus rewards
Best for :
Unlimited 1.5% cash back on all purchases
Ink Business Unlimited® Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn $750 bonus cash back after you spend $7,500 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.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
Our Take
Pros
-
No annual fee
-
Intro APR period
-
No reward caps
-
New cardholder bonus offer
Cons
-
No bonus categories
Best for :
0% Intro APR period
The Blue Business® Plus Credit Card from American Express
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.8
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% - 22.74%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Our Take
Pros
-
No annual fee
-
High rewards rate
-
Intro APR period
-
Transfer partners
Cons
-
Spending caps on bonus rewards
-
Requires good/excellent credi
Best for :
0% intro APR + cash-back rewards
American Express Blue Business Cash™ Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% - 22.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Our Take
Pros
-
No annual fee
-
High rewards rate
-
Intro APR period
-
Cash rewards
Cons
-
Spending caps on bonus rewards
-
Requires good/excellent credit
Best for :
Flexibility
Upgrade Visa® Card with Cash Rewards
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-850 (Average – Excellent)
Product Details
- Earn 1.5% unlimited cash back on card purchases every time you make a payment.
- Combine the flexibility of a card with the low cost and predictability of a loan.
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees.
- No touch payments with contactless technology built in.
- See if you qualify in minutes without hurting your credit score.
- Access to a virtual card while you wait for your card to arrive in the mail.
- Great for large purchases with predictable payments you can budget for.
- Mobile app to access your account anytime, anywhere.
- Enjoy peace of mind with $0 Fraud liability.
Our Take
Pros
-
No annual fee
-
No foreign transaction fee
-
Qualify with average credit
-
High rewards rate
-
Reports to the three major credit bureaus
Cons
-
No bonus offer
-
Limited availability
Best for :
Unique incentives
Journey Student Rewards from Capital One
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-689 (Average)
Product Details
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- 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
- Pick the monthly due date that works best for you
Our Take
Pros
-
No annual fee
-
Qualify with average credit
-
Reports to the three major credit bureaus
-
No foreign transaction fees
-
Earns rewards
Cons
-
High APR
Best for :
Boosting your credit limit
Capital One Platinum Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
3.5
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-689 (Average)
Product Details
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our Take
Pros
-
Qualify with average credit
-
No annual fee
-
No foreign transaction fee
Cons
-
High APR
-
No rewards
Best for :
Flat-rate cash back
Capital One QuicksilverOne Cash Rewards Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
Annual fee
$
39
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-689 (Average)
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- 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
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Our Take
Pros
-
Qualify with average credit
-
High rewards rate
-
No foreign transaction fees
Cons
-
Has annual fee
-
High APR
Best for :
Crypto rewards + flexibility
Upgrade Bitcoin Rewards Visa® Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-850 (Average – Excellent)
Product Details
- Earn 1.5% unlimited cash back in bitcoin when you make payments.
- The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin.
- No annual fees, no foreign transactions fees.
- Get pre-approved in seconds with no impact to your credit score.
- Pay with your phone or device by using Apple Pay™ or Google Pay™.
- Mobile app to access your account anytime, anywhere.
- Enjoy peace of mind with $0 Fraud liability.
Our Take
Pros
-
No annual fee
-
No foreign transaction fees
-
Qualify with average credit
Cons
-
No new cardholder bonus offer
-
Rewards have limited flexibility
-
No bonus categories
Best for :
Simple rewards + easy-to-earn bonuses
Chase Freedom® Student credit card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.6
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- $50 Bonus after first purchase made within the first 3 months from account opening
- Earn 1% cash back on all purchases
- No annual Fee
- $20 Good Standing Rewards after each account anniversary for up to 5 years
- Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
- Free credit score with Chase Credit Journey
Our Take
Pros
-
No annual fee
-
Earns rewards
-
New cardholder bonus offer
Cons
-
No bonus categories
Best for :
Rotating bonus categories
Discover it® Student Cash Back
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.6
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-689 (Average)
Product Details
- No credit score required to apply.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
- Click "Apply Now" to see terms and conditions.
Our Take
Pros
-
No annual fee
-
Qualify with limited/bad credit
-
Bonus categories
-
Intro APR period
-
Reports to the three major credit bureaus
Cons
-
Complicated rewards
Best for :
Students
Capital One SavorOne Student Cash Rewards Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-689 (Average)
Product Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- Limited Time Offer: Earn $100 when you spend $100 in the first three months
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- 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
- You can help build your credit with responsible use of a card like this
- Be automatically considered for a higher credit line in as little as 6 months
- 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
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Our Take
Pros
-
N/A
Cons
-
N/A
Best for :
Simplicity and value
Discover it® Student chrome
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
630-689 (Average)
Product Details
- No credit score required to apply.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
- Click "Apply Now" to see terms and conditions.
Our Take
Pros
-
No annual fee
-
Intro APR period
-
Qualify with average credit
-
Bonus categories
Cons
-
Complicated rewards
Best for :
Flat-rate cash back
Citi® Double Cash Card – 18 month BT offer
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.6
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- 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.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, 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).
- The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Our Take
Pros
-
No annual fee
-
High rewards rate
-
Intro balance transfer fee
Cons
-
Requires good/excellent credit
-
No bonus offer
-
No bonus categories
Best for :
Bonus rewards: 5%/3% categories + high ongoing rate
Chase Freedom Unlimited®
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 16.49% - 25.24%.
- 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, real-time alerts, and more.
-
See if you qualify for a better offer with Chase:
Our Take
Pros
-
No annual fee
-
Intro APR period
-
High rewards rate
-
No minimum redemption amount
Cons
-
Requires good/excellent credit
Best for :
Bonus category cash back + intro APR period
Discover it® Cash Back
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.9
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- INTRO OFFER: Unlimited Cashback Match – 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% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Redeem cash back in any amount, any time. Rewards never expire.
- NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
Our Take
Pros
-
No annual fee
-
Intro APR period
-
Bonus categories
-
Cash rewards
Cons
-
Complicated rewards
-
Spending caps on bonus rewards
-
Lower acceptance abroad
Best for :
Travel rewards — bonus categories
Chase Sapphire Preferred® Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
95
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- 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.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 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, 2024.
-
See if you qualify for a better offer with Chase:
Our Take
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
Best for :
Long-term value: 0% periods for transfers and purchases + high ongoing rewards
Wells Fargo Active Cash® Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; 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
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select “Apply Now” to learn more about the product features, terms and conditions
Our Take
Pros
-
High rewards rate
-
No annual fee
-
Intro APR period
Cons
-
No bonus categories
Best for :
2X miles on all purchases and a bonus
Capital One Venture Rewards Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
Annual fee
$
95
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- 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
- 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 $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
Our Take
Pros
-
High rewards rate
-
Flexible rewards redemption
Cons
-
High annual fee
-
Rewards have limited flexibility
-
Requires good/excellent credit
Best for :
Bonus rewards: 5%/3% categories + high ongoing rate
Chase Freedom Unlimited®
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 16.49% - 25.24%.
- 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, real-time alerts, and more.
-
See if you qualify for a better offer with Chase:
Our Take
Pros
-
No annual fee
-
Intro APR period
-
High rewards rate
-
No minimum redemption amount
Cons
-
Requires good/excellent credit
Best for :
Luxury travel perks
The Platinum Card® from American Express
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
695
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- 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.
- Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
- $695 annual fee.
- Terms Apply.
Our Take
Pros
-
Bonus categories
-
Transfer partners
-
Luxury perks
-
Lounge membership
-
Automatic elite status
Cons
-
Has annual fee
-
Complicated rewards
-
Requires good/excellent credit
Best for :
Travel portal benefits
Capital One Venture X Rewards Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.9
/5
Annual fee
$
395
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
720-850 (Excellent)
Best for :
Cash back for travel bookings
Chase Freedom Unlimited®
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 16.49% - 25.24%.
- 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, real-time alerts, and more.
-
See if you qualify for a better offer with Chase:
Our Take
Pros
-
No annual fee
-
Intro APR period
-
High rewards rate
-
No minimum redemption amount
Cons
-
Requires good/excellent credit
Best for :
Flat-rate travel rewards
Capital One Venture Rewards Credit Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.7
/5
Annual fee
$
95
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- 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
- 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 $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
Our Take
Pros
-
High rewards rate
-
Flexible rewards redemption
Cons
-
High annual fee
-
Rewards have limited flexibility
-
Requires good/excellent credit
Best for :
Flexible redemption + big sign-up bonus
Chase Sapphire Preferred® Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
5.0
/5
Annual fee
$
95
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- 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.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 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, 2024.
-
See if you qualify for a better offer with Chase:
Our Take
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
Best for :
Long 0% intro APR period
Citi® Diamond Preferred® Card
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
4.4
/5
Annual fee
$
0
Intro APR
Regular APR
Minimum deposit
Recommended Credit Score
690-850 (Good – Excellent)
Product Details