Best Credit Cards of 2025
Discover it® Cash Back
Best Feature - Cash back on everyday purchases.
Credit Needed - Excellent, Good 670-850
Annual Fee - $0
Regular APR - 18.24% - 27.24% Variable APR
Apply now
Highlights
  • 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% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum 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.
  • 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.
Product Details
  • Issuer Name - Discover
  • Credit Needed - Excellent, Good
  • Annual Fee - $0
  • Regular APR - 18.24% - 27.24% Variable APR
  • Purchases Intro APR - 0% Intro APR for 15 months
  • Balance Transfer Fee - 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance Fee - Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee - None
Our Take
  • Why this is one of the best credit cards: This card will earn up to 5% cash back in select categories, plus Discover will match all the cash back you’ve earned after the first year.
  • The top features: The Discover it® Cash Back card earns 5% cash back in different categories, such as grocery stores, restaurants and gas stations, up to the quarterly maximum, when you activate and 1% back on all other purchases – all for no annual fee.
  • Another card to consider: If you want more of a choice on where your rewards come from, the Bank of America® Customized Cash Rewards credit card offers flexible cash back rewards.
Blue Cash Everyday® Card from American Express
Best Feature - Cash back on everyday purchases.
Credit Needed - Good, Excellent 670-850
Intro Bonus - Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee - $0
Regular APR - 20.24% - 29.24% Variable
Highlights

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Product Details

  • Issuer Name - American Express
  • Credit Needed - Good, Excellent
  • Annual Fee - $0
  • Regular APR - 20.24% - 29.24% Variable
  • Penalty APR - 29.99% Variable
  • Purchases Intro APR - 0% on purchases for 15 months
  • Balance Transfer Fee - Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance Fee - Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee - 2.7% of each transaction after conversion to US dollars
Our Take
  • Why this is one of the best credit cards: Regular grocery-store shoppers will benefit from this card.
  • The top features: The Blue Cash Everyday® Card from American Express offers 3% cash back on up to $6,000 spent annually at U.S. supermarkets, then 1% back. Cardholders also get 0% on balance transfers and 0% on purchases for 15 months. After that, an ongoing 20.24% to 29.24% variable applies. Earn up to $200 back as a statement credit after spending $2,000 in purchases in the first six months of card membership.
  • Another card to consider: If you’re looking for higher rewards, consider the Blue Cash Preferred® Card from American Express, which offers 6% cash back on up to $6,000 in U.S. supermarket purchases each year, then 1%; 6% on select U.S. streaming services; 3% cash back at U.S. gas stations, 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more); and 1% on other purchases.
Apply now
Discover it® Student Cash Back
Best Feature - Student rewards.
Credit Needed - Fair, New to Credit 580-740
Annual Fee - $0
Regular APR - 17.24% - 26.24% Variable APR
Apply now
Highlights
  • 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. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • 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 17.24% - 26.24% applies.
  • Terms and conditions apply.
Product Details
  • Issuer Name - Discover
  • Credit Needed - Fair, New to Credit
  • Annual Fee - $0
  • Regular APR - 17.24% - 26.24% Variable APR
  • Purchases Intro APR - 0% Intro APR for 6 months
  • Balance Transfer Fee - 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance Fee - Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee - None
Our Take
  • Why this is one of the best credit cards: This card is a strong choice for students who want to get cash back on everyday spending.
  • The top features: With the Discover it® Student Cash Back card, you can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. New cardholders also receive a 0% introductory annual percentage rate for six months on purchases, after a 17.24% to 26.24% variable APR
  • Another card to consider: If you want to maximize your cash back earnings without sticking to a quarterly schedule, check out the Capital One Savor Student Cash Rewards Credit Card. This card offers 3% cash back on dining, entertainment, popular streaming services, and eligible grocery purchases (excluding superstores like Walmart® and Target®) all year round.
Chase Freedom Unlimited®
Best Feature - Flexible cash back rewards.
Credit Needed - Excellent, Good 670-850
Intro Bonus - Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee - $0
Regular APR - 18.99% - 28.49% Variable
Apply now

  • 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
Highlights
Product Details
  • Issuer Name - Chase
  • Credit Needed - Excellent, Good
  • Annual Fee - $0
  • Regular APR - 18.99% - 28.49% Variable
  • Penalty APR - Up to 29.99%
  • Purchases Intro APR - 0% Intro APR on Purchases for 15 months
  • Balance Transfer Fee - Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance Fee - Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee - 3% of each transaction in U.S. dollars
Our Take
  • Why this is one of the best credit cards: This card scores cash back easily with a variety of bonus categories, and offers an introductory annual percentage rate on purchases and balance transfers, making it a good fit for people who want rewards for everyday spending.
  • The top features: Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Cardholders also enjoy a 15-month 0% introductory APR on purchases and balance transfers, then a 18.99% to 28.49% variable applies.
  • Another card to consider: If you want a more straightforward rewards program, consider the Citi Double Cash® Card, which offers an unlimited 1% cash back when you purchase and an additional 1% back when you pay for those purchases. (See Rates & Fees)
Delta SkyMiles® Blue American Express Card
Best Feature - Delta Air Lines rewards.
Credit Needed - Good, Excellent 670-850
Intro Bonus - Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual Fee - $0
Regular APR - 20.24% - 29.24% Variable
Apply now
Highlights
  • Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
  • No Annual Fee.
  • Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
  • Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
  • Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No Foreign Transaction Fees.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Product Details
  • Issuer Name - American Express
  • Credit Needed - Good, Excellent
  • Annual Fee - $0
  • Regular APR - 20.24% - 29.24% Variable
  • Penalty APR - 29.99% Variable
  • Cash Advance Fee - Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee - None
Our Take
  • Why this is one of the best credit cards: Those who travel frequently with Delta will find many benefits with this card, including cash back for travel amenities.
  • The top features: The Delta SkyMiles® Blue American Express Card offers two miles per dollar for restaurant spending, plus takeout and delivery in the U.S., and for eligible purchases made directly with Delta. Card users also get 20% back in the form of a statement credit on eligible Delta pre-purchased meals and on in-flight food, alcoholic beverages and audio headsets.
  • Another card to consider: If you find yourself flying more often with United Airlines, you might consider the The New United℠ Explorer Card. The card earns two miles per dollar spent on purchases from United Airlines and at restaurants and on hotel stays, and all other purchases earn one mile.
IHG One Rewards Traveler Credit Card
Credit Needed - Good/Excellent 670-850
Intro Bonus - Earn 120,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
Annual Fee - $0
Regular APR - 19.99% - 28.49% Variable
Apply now
Highlights
  • Our Highest Points Offer of 2025! Earn 120,000 Bonus Points
  • No Annual Fee
  • Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Redeem 3 Nights, Get the 4th Night Free
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC
Product Details
  • Issuer Name - Chase
  • Credit Needed - Good/Excellent
  • Annual Fee - $0
  • Regular APR - 19.99% - 28.49% Variable
  • Penalty APR - Up to 29.99%
  • Balance Transfer Fee - Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance Fee - Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee - $0
Our Take
  • Why is this one of the best credit cards: The IHG One Rewards Traveler Credit Card charges a $0 annual fee and $0 foreign transaction fee and offers substantial bonus points for people who frequent IHG properties. Cardholders can also access a large suite of travel and protection benefits.
  • The top features: In addition to earning 17 points per dollar spent at IHG hotels and resorts, cardholders earn three points per dollar spent on monthly bills, at gas stations, and restaurants. Cardholders earn two points per dollar spent on all other purchases.
  • Another card to consider: If you don’t stay at IHG properties regularly, the Chase Sapphire Preferred® Card offers five total points per dollar spent on travel through Chase Travel℠, three points per dollar spent on dining, and two points per dollar spent on all other travel purchases.
Wells Fargo Reflect® Card
Best Feature - Lengthy 0% introductory APR.
Credit Needed - Good to Excellent 670-850
Annual Fee - $0
Regular APR - 17.24%, 23.74%, or 28.99% Variable APR
Apply now
Highlights
  • 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.
Product Details
  • Issuer Name - Wells Fargo
  • Credit Needed - Good to Excellent
  • Annual Fee - $0
  • Regular APR - 17.24%, 23.74%, or 28.99% Variable APR
  • Penalty APR - None
  • Purchases Intro APR - 0% intro APR for 21 months from account opening
  • Balance Transfer Fee - 5%, min: $5
  • Cash Advance Fee - Refer to Important Credit Terms
  • Foreign Transaction Fee - 3%
Our Take
  • Why this is one of the best credit cards: With the Wells Fargo Reflect® Card, you can pay off debt or finance a big purchase with the 0% intro APR for 21 months from account opening. After that introductory period, there is a 17.24%, 23.74%, or 28.99% variable APR that applies and the annual fee is $0. You’ll have 120 days after opening your account to make balance transfers at the promotional APR, BT fee of 5%, min $5.
  • The top features: This card earned U.S. News Annual Credit Cards awards for 2023 in the balance transfer and editors’ choice categories. The long 0% APR offer is the star of this card, which charges no annual fee.
  • Another card to consider: Chase Slate Edge® Credit Card offers a 0% intro APR for 18 months from account opening on purchases and balance transfers, then a 19.99% to 28.74% APR applies. Pay your bill on time and spend at least $1,000 on the card each year to be considered for an interest rate cut of up to 2 percentage points annually.
Chase Sapphire Reserve®
Best Feature - Annual travel credit.
Credit Needed - Excellent 740-850
Intro Bonus - Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee - $550
Regular APR - 20.24% - 28.74% Variable
Apply now
Highlights
  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC
Product Details
  • Issuer Name - Chase
  • Credit Needed - Excellent
  • Annual Fee - $550
  • Regular APR - 20.24% - 28.74% Variable
  • Penalty APR - Up to 29.99%
  • Balance Transfer Fee - Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance Fee - Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee - $0
Our Take
  • Why this is one of the best credit cards: This card is for the frequent traveler who would like to make life easier. Travel credits, trip protections, airport lounge access, auto rentals and pickup and delivery services are among the available perks and discounts.
  • The top features: This card offers several perks, including an annual travel credit, an expedited airport security access credit, complimentary airport lounge access and various trip protections. Earn five points per dollar spent on flights and 10 points per dollar spent on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn three points per dollar on other travel and dining and one point per dollar spent on all other purchases. It has an annual fee of $550.
  • Another card to consider: If you plan on doing a lot of traveling but are looking for a card with a lower annual fee, the Chase Sapphire Preferred® Card offers great benefits. Earn five points per dollar on travel purchased through Chase Travel℠; three points per dollar on dining, select streaming services and online grocery purchases; two points per dollar on other travel purchases; and one point per dollar spent on all other purchases.
The Platinum Card® from American Express
Best Feature - Premium cardholder benefits.
Credit Needed - Excellent, Good 670-850
Intro Bonus - Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Annual Fee - $695
Regular APR - See Pay Over Time APR
Apply now
Highlights
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • With American Express Global Lounge Collection® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
  • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID - this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
  • $695 annual fee.¤
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Product Details
  • Issuer Name - American Express
  • Credit Needed - Excellent, Good
  • Annual Fee - $695
  • Regular APR - See Pay Over Time APR
  • Penalty APR - See Rates & Fees
  • Cash Advance Fee - Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee - None
Our Take
  • Why this is one of the best cards: This card provides premium benefits for frequent travelers.
  • The top features: The card earns five Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel® on up to $500,000 on these purchases per calendar year. It also earns five Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel®. Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. The annual fee is $695 (See Rates & Fees).
  • Another card to consider: If you’re looking for a premium travel credit card with a lower annual fee, try the Capital One Venture X Rewards Credit Card. Earn unlimited 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel and five miles per dollar on flights booked through Capital One Travel.
For Capital One products listed on this page, some of the benefits may be provided by Visa(R) or Mastercard(R) and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Savor Cash Rewards Credit Card
Best Feature - Cash back on dining with no annual fee.
Credit Needed - Excellent, Good 670-850
Intro Bonus - $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Annual Fee - $0
Regular APR - 19.24% - 29.24% (Variable)
Apply now
Highlights
  • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
Product Details
  • Issuer Name - Capital One
  • Credit Needed - Excellent, Good
  • Annual Fee - $0
  • Regular APR - 19.24% - 29.24% (Variable)
  • Penalty APR - None
  • Purchases Intro APR - 0% intro on purchases for 15 months
  • Balance Transfer Fee - Balance transfer fee applies
  • Cash Advance Fee - 5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction Fee - None
Our Take
  • Why this is one of the best credit cards: This no-annual fee card offers an unlimited 3% cash back in select categories and a 15-month 0% introductory annual percentage rate, after which, an 19.24% to 29.24% (variable) applies.
  • The top features: With the Capital One Savor Cash Rewards Credit Card, you’ll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). $200 Cash Back after you spend $500 on purchases within 3 months from account opening. The card also comes with a 0% introductory APR on purchases and qualifying balance transfers for 15 months, then a 19.24% to 29.24% (variable) applies. It doesn’t charge an annual fee or foreign transaction fees.
  • Another card to consider: The Chase Freedom Unlimited® card also delivers a bountiful rewards program without an annual fee, and it could help you earn even more. You will get 5% cash back on travel purchases; 3% on dining, including takeout and eligible delivery services; 3% at drugstores and an unlimited 1.5% cash back on all other purchases.
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