Every card we track, sorted and filtered your way.
23 products in this list. Filter by category, fee or the credit profile issuers usually approve, then open any row for the full terms. Offers last reviewed 2026-08-01.
CategoryScore
23 / 23
U.S. credit cards compared by the attributes that matter for that product type.
Card
Welcome bonus
Rewards rate
Annual fee
Regular APR
Credit score
Actions
Chase Sapphire Preferred
Chase · 4.9/5
60,000 points
redeemable through Chase Travel
Up to 5x points
5x on travel booked through Chase Travel, 3x on dining, select streaming and online groceries, 2x on all other travel, 1x on everything else.
$95
Billed yearly
20.24% - 28.24% Variable
690+
690-850 Good to Excellent
Annual fee
$95
Welcome bonus
60,000 bonus points after $5,000 in purchases in the first 3 months.
Rewards rate
5x on travel booked through Chase Travel, 3x on dining, select streaming and online groceries, 2x on all other travel, 1x on everything else.
Regular APR
20.24% - 28.24% Variable
Recommended score
690-850 Good to Excellent
What you actually get
25% more value redeeming points for travel through Chase Travel
$50 annual Chase Travel hotel credit
Trip cancellation and interruption insurance
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Freedom Unlimited
Chase · 4.8/5
+1.5% first year
up to $300 extra
1.5% - 5% back
5% on travel booked through Chase Travel, 3% on dining and drugstores, 1.5% on all other purchases.
$0
No annual fee
0% intro APR for 15 months, then 19.99% - 28.74% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
An extra 1.5% cash back on everything you buy, on up to $20,000 spent in the first year.
Rewards rate
5% on travel booked through Chase Travel, 3% on dining and drugstores, 1.5% on all other purchases.
Regular APR
0% intro APR for 15 months, then 19.99% - 28.74% Variable
Recommended score
670-850 Good to Excellent
What you actually get
No annual fee, ever
0% intro APR on purchases and balance transfers for 15 months
Cash back never expires while the account is open
Pairs with Sapphire cards to lift point value
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Venture X
Capital One · 4.7/5
75,000 miles
plus 10,000 anniversary miles yearly
2x flat, up to 10x
10x on hotels and rental cars booked through Capital One Travel, 5x on flights through Capital One Travel, 2x on everything else.
$395
Billed yearly
19.99% - 29.24% Variable
720+
720-850 Excellent
Annual fee
$395
Welcome bonus
75,000 bonus miles after $4,000 in purchases in the first 3 months.
Rewards rate
10x on hotels and rental cars booked through Capital One Travel, 5x on flights through Capital One Travel, 2x on everything else.
Regular APR
19.99% - 29.24% Variable
Recommended score
720-850 Excellent
What you actually get
$300 annual Capital One Travel credit
10,000 anniversary bonus miles every year
Capital One Lounge and Priority Pass access
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
American Express Gold Card
American Express · 4.7/5
60,000 points
redeemable for travel and more
Up to 4x points
4x at restaurants worldwide, 4x at U.S. supermarkets on up to $25,000 per year, 3x on flights booked direct, 1x on everything else.
$325
Billed yearly
See Pay Over Time APR. Rates and fees apply.
690+
690-850 Good to Excellent
Annual fee
$325
Welcome bonus
60,000 Membership Rewards points after $6,000 in purchases in the first 6 months.
Rewards rate
4x at restaurants worldwide, 4x at U.S. supermarkets on up to $25,000 per year, 3x on flights booked direct, 1x on everything else.
Regular APR
See Pay Over Time APR. Rates and fees apply.
Recommended score
690-850 Good to Excellent
What you actually get
Up to $120 Uber Cash annually, $10 monthly
Up to $120 dining credit at select partners, $10 monthly
No foreign transaction fees
Transfer points to 20+ airline and hotel partners
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Citi Double Cash
Citi · 4.7/5
$200 cash
$200 statement credit
2% on everything
2% on every purchase: 1% when you buy and another 1% as you pay it off. No bonus categories.
$0
No annual fee
18.24% - 28.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
$200 cash back after $1,500 in purchases in the first 6 months.
Rewards rate
2% on every purchase: 1% when you buy and another 1% as you pay it off. No bonus categories.
Regular APR
18.24% - 28.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
The simplest flat 2% structure on the market
No annual fee and no categories to activate
Rewards convert to Citi ThankYou points
Long 0% intro APR on balance transfers
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Wells Fargo Active Cash
Wells Fargo · 4.7/5
$200 cash
lowest spend threshold on this list
2% on everything
Unlimited 2% cash rewards on purchases, with no categories and no caps.
$0
No annual fee
0% intro APR for 12 months, then 19.24% - 29.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
$200 cash rewards bonus after $500 in purchases in the first 3 months.
Rewards rate
Unlimited 2% cash rewards on purchases, with no categories and no caps.
Regular APR
0% intro APR for 12 months, then 19.24% - 29.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Flat 2% with no activation and no caps
Lowest spending requirement for a $200 bonus
Cell phone protection when you pay the bill with the card
No annual fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Sapphire Reserve
Chase · 4.6/5
Up to 175,000 pts
elevated offer, not guaranteed
Up to 8x points
8x on travel booked through Chase Travel, 4x on flights and hotels booked direct, 3x on dining, 1x on everything else.
$795
Billed yearly
21.24% - 28.24% Variable
720+
720-850 Excellent
Annual fee
$795
Welcome bonus
Up to 175,000 bonus points after $6,000 in purchases in the first 3 months. Applicants not eligible for the elevated offer may see a 125,000-point standard offer.
Rewards rate
8x on travel booked through Chase Travel, 4x on flights and hotels booked direct, 3x on dining, 1x on everything else.
Regular APR
21.24% - 28.24% Variable
Recommended score
720-850 Excellent
What you actually get
Annual travel credit that offsets a large part of the fee
Priority Pass Select airport lounge access
Primary rental car collision coverage
Transfer points to airline and hotel partners at 1:1
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Venture Rewards
Capital One · 4.6/5
75,000 miles
about $750 toward travel
2x miles flat
5x on hotels and rental cars booked through Capital One Travel, 2x miles on every other purchase.
$95
Billed yearly
19.99% - 29.24% Variable
690+
690-850 Good to Excellent
Annual fee
$95
Welcome bonus
75,000 bonus miles after $4,000 in purchases in the first 3 months.
Rewards rate
5x on hotels and rental cars booked through Capital One Travel, 2x miles on every other purchase.
Regular APR
19.99% - 29.24% Variable
Recommended score
690-850 Good to Excellent
What you actually get
Flat 2x on every purchase, no categories to track
Up to $120 credit for Global Entry or TSA PreCheck
Transfer miles to 15+ travel partners
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One SavorOne Cash Rewards
Capital One · 4.6/5
$200 cash
$200 statement credit
1% - 8% back
3% on dining, entertainment, popular streaming services and grocery stores, 8% on Capital One Entertainment, 1% on everything else.
$0
No annual fee
0% intro APR for 15 months, then 19.24% - 29.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
$200 cash bonus after $500 in purchases within 3 months.
Rewards rate
3% on dining, entertainment, popular streaming services and grocery stores, 8% on Capital One Entertainment, 1% on everything else.
Regular APR
0% intro APR for 15 months, then 19.24% - 29.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
No annual fee and no foreign transaction fees
$200 bonus after a low $500 spend threshold
Unlimited 3% on four everyday categories
Automatic credit line reviews
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Discover it Cash Back
Discover · 4.6/5
Cashback Match
doubles year-one earnings
1% - 5% back
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 1% on everything else.
$0
No annual fee
0% intro APR for 15 months, then 18.24% - 27.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
Cashback Match: Discover automatically matches all the cash back earned at the end of the first year.
Rewards rate
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 1% on everything else.
Regular APR
0% intro APR for 15 months, then 18.24% - 27.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
First-year Cashback Match with no cap
No annual fee and no foreign transaction fees
Free FICO score in the app
Discover acceptance is narrower than Visa or Mastercard abroad
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Platinum Secured
Capital One · 4.6/5
None
deposit from $49
No rewards
No rewards program. Reports to all three major credit bureaus every month.
$0
No annual fee
29.99% Variable
No check
Limited or poor credit, 300+
Annual fee
$0
Welcome bonus
No welcome bonus. The refundable security deposit may be $49, $99 or $200 depending on the decision.
Rewards rate
No rewards program. Reports to all three major credit bureaus every month.
Regular APR
29.99% Variable
Recommended score
Limited or poor credit, 300+
What you actually get
Refundable deposit can be as low as $49
No annual fee
Automatic credit line review from around month 6
Reports to Equifax, Experian and TransUnion
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Freedom Flex
Chase · 4.5/5
$200 cash
$200 statement credit
1% - 5% back
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 5% on travel booked through Chase Travel, 3% on dining and drugstores, 1% on everything else.
$0
No annual fee
0% intro APR for 15 months, then 19.99% - 28.74% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
$200 bonus after $500 in purchases in the first 3 months.
Rewards rate
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 5% on travel booked through Chase Travel, 3% on dining and drugstores, 1% on everything else.
Regular APR
0% intro APR for 15 months, then 19.99% - 28.74% Variable
Recommended score
670-850 Good to Excellent
What you actually get
5% rotating categories, capped at $1,500 per quarter
Cell phone protection and purchase protection
No annual fee
Pairs with Sapphire cards to lift point value
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Blue Cash Preferred from American Express
American Express · 4.5/5
Cash back offer
amount varies by offer
Up to 6% back
6% at U.S. supermarkets on up to $6,000 per year, 6% on select U.S. streaming, 3% at U.S. gas stations and on transit, 1% on everything else.
$95
Billed yearly
See Rates and Fees. Intro APR offer may apply.
690+
690-850 Good to Excellent
Annual fee
$95
Welcome bonus
Cash back welcome offer after meeting the spend requirement in the first 6 months.
Rewards rate
6% at U.S. supermarkets on up to $6,000 per year, 6% on select U.S. streaming, 3% at U.S. gas stations and on transit, 1% on everything else.
Regular APR
See Rates and Fees. Intro APR offer may apply.
Recommended score
690-850 Good to Excellent
What you actually get
6% at U.S. supermarkets, the highest grocery rate on this list
6% on select U.S. streaming subscriptions
Annual fee is often waived for the first year
Return protection and purchase protection
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Discover it Student Cash Back
Discover · 4.5/5
Cashback Match
doubles year-one earnings
1% - 5% back
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 1% on everything else.
$0
No annual fee
0% intro APR for 6 months on purchases, then 18.24% - 27.24% Variable
No check
Limited credit history, students
Annual fee
$0
Welcome bonus
Cashback Match: Discover matches all cash back earned at the end of the first year.
Rewards rate
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 1% on everything else.
Regular APR
0% intro APR for 6 months on purchases, then 18.24% - 27.24% Variable
Recommended score
Limited credit history, students
What you actually get
Built for applicants with no credit history
First-year Cashback Match with no cap
No annual fee and no foreign transaction fees
Free FICO score in the app
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
The Platinum Card from American Express
American Express · 4.4/5
Up to 175,000 pts
offer varies by applicant
5x travel
5x on flights booked direct or through Amex Travel and on prepaid hotels through Amex Travel, on up to $500,000 per year, 1x on everything else.
$895
Billed yearly
See Pay Over Time APR. Rates and fees apply.
720+
720-850 Excellent
Annual fee
$895
Welcome bonus
Up to 175,000 Membership Rewards points after $12,000 in eligible purchases in the first 6 months.
Rewards rate
5x on flights booked direct or through Amex Travel and on prepaid hotels through Amex Travel, on up to $500,000 per year, 1x on everything else.
Regular APR
See Pay Over Time APR. Rates and fees apply.
Recommended score
720-850 Excellent
What you actually get
Centurion Lounge and Priority Pass access
Annual airline, hotel and streaming statement credits
Hotel elite status with Marriott and Hilton
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Quicksilver Cash Rewards
Capital One · 4.4/5
$200 cash
$200 statement credit
1.5% - 5% back
5% on hotels and rental cars booked through Capital One Travel, 1.5% cash back on every other purchase.
$0
No annual fee
0% intro APR for 15 months, then 19.24% - 29.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
$200 cash bonus after $500 in purchases within 3 months.
Rewards rate
5% on hotels and rental cars booked through Capital One Travel, 1.5% cash back on every other purchase.
Regular APR
0% intro APR for 15 months, then 19.24% - 29.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Flat 1.5% with no caps and no categories
No foreign transaction fees
No annual fee
0% intro APR on purchases and balance transfers
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Wells Fargo Reflect
Wells Fargo · 4.4/5
None
21 months at 0%
No rewards
No rewards program. This card exists to carry a balance without interest.
$0
No annual fee
0% intro APR for 21 months on purchases and qualifying balance transfers, then 17.24% - 28.99% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
No welcome bonus. The value is the 21-month interest-free period.
Rewards rate
No rewards program. This card exists to carry a balance without interest.
Regular APR
0% intro APR for 21 months on purchases and qualifying balance transfers, then 17.24% - 28.99% Variable
Recommended score
670-850 Good to Excellent
What you actually get
0% for 21 months on both purchases and balance transfers
No annual fee
Balance transfer fee of 5%, minimum $5
Cell phone protection when you pay the bill with the card
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chime Credit Builder Visa
Stride Bank, N.A. · 4.4/5
None
$0 to get started
No rewards
No rewards program. Safer Credit Building moves money you already hold and reports on-time payments monthly.
$0
No annual fee
0%, no interest is charged
No check
No credit check, 300+
Annual fee
$0
Welcome bonus
No welcome bonus. No annual fee, no interest and no minimum security deposit.
Rewards rate
No rewards program. Safer Credit Building moves money you already hold and reports on-time payments monthly.
Regular APR
0%, no interest is charged
Recommended score
No credit check, 300+
What you actually get
No credit check and no annual fee
No minimum security deposit
No interest, because you spend money moved in advance
Requires a qualifying Chime Checking Account with a direct deposit
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One SavorOne Student
Capital One · 4.4/5
$50 cash
very low spend threshold
1% - 8% back
3% on dining, entertainment, popular streaming services and grocery stores, 8% on Capital One Entertainment, 1% on everything else.
$0
No annual fee
19.24% - 29.24% Variable
No check
Limited credit history, students
Annual fee
$0
Welcome bonus
$50 cash bonus after $100 in purchases in the first 3 months.
Rewards rate
3% on dining, entertainment, popular streaming services and grocery stores, 8% on Capital One Entertainment, 1% on everything else.
Regular APR
19.24% - 29.24% Variable
Recommended score
Limited credit history, students
What you actually get
Same 3% categories as the non-student SavorOne
No annual fee and no foreign transaction fees
Bonus after only $100 of spending
Automatic credit line reviews
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Bank of America Customized Cash Rewards
Bank of America · 4.3/5
$200 cash
$200 statement credit
1% - 3% back
3% in a category you choose, 2% at grocery stores and wholesale clubs, on up to $2,500 combined per quarter, 1% on everything else.
$0
No annual fee
0% intro APR for 15 billing cycles, then 18.24% - 28.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
$200 online cash rewards bonus after $1,000 in purchases in the first 90 days.
Rewards rate
3% in a category you choose, 2% at grocery stores and wholesale clubs, on up to $2,500 combined per quarter, 1% on everything else.
Regular APR
0% intro APR for 15 billing cycles, then 18.24% - 28.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Choose your own 3% category each month
Preferred Rewards members earn 25% to 75% more
No annual fee
Combined $2,500 quarterly cap on the bonus rates
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Citi Simplicity
Citi · 4.3/5
None
21 months on transfers
No rewards
No rewards program. Built purely for paying down an existing balance.
$0
No annual fee
0% intro APR for 21 months on balance transfers and 12 months on purchases, then 18.24% - 28.99% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
No welcome bonus. The value is the interest-free period and the low transfer fee.
Rewards rate
No rewards program. Built purely for paying down an existing balance.
Regular APR
0% intro APR for 21 months on balance transfers and 12 months on purchases, then 18.24% - 28.99% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Intro balance transfer fee of 3% within the first 4 months, minimum $5
No late fees and no penalty APR
No annual fee
Transfers must be completed in the first 4 months for the intro fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
OpenSky Secured Visa
Capital Bank, N.A. · 4.2/5
None
no hard pull to apply
No rewards
No rewards program. Reports payment history monthly to all three bureaus.
$35
Billed yearly
24.64% Variable
No check
No credit history required, 300+
Annual fee
$35
Welcome bonus
No welcome bonus. Applying does not require a credit check or an existing bank account.
Rewards rate
No rewards program. Reports payment history monthly to all three bureaus.
Regular APR
24.64% Variable
Recommended score
No credit history required, 300+
What you actually get
No credit check to apply
Refundable security deposit from $200
No bank account required
Credit line increases without an extra deposit
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
BankAmericard
Bank of America · 4.1/5
None
18 months at 0%
No rewards
No rewards program.
$0
No annual fee
0% intro APR for 18 billing cycles on purchases and balance transfers, then 16.24% - 26.24% Variable
670+
670-850 Good to Excellent
Annual fee
$0
Welcome bonus
No welcome bonus.
Rewards rate
No rewards program.
Regular APR
0% intro APR for 18 billing cycles on purchases and balance transfers, then 16.24% - 26.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
0% for 18 billing cycles on purchases and transfers
No penalty APR for a late payment
Balance transfer fee of 3%, minimum $10
No annual fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Sapphire Preferred
Chase · Best Overall
4.9
Welcome bonus
60,000 points
Rewards rate
Up to 5x points
Annual fee
$95
Regular APR
20.24% - 28.24% Variable
Annual fee
$95
Welcome bonus
60,000 bonus points after $5,000 in purchases in the first 3 months.
Rewards rate
5x on travel booked through Chase Travel, 3x on dining, select streaming and online groceries, 2x on all other travel, 1x on everything else.
Regular APR
20.24% - 28.24% Variable
Recommended score
690-850 Good to Excellent
What you actually get
25% more value redeeming points for travel through Chase Travel
$50 annual Chase Travel hotel credit
Trip cancellation and interruption insurance
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Freedom Unlimited
Chase · Cashback & Daily
4.8
Welcome bonus
+1.5% first year
Rewards rate
1.5% - 5% back
Annual fee
$0
Regular APR
0% intro APR for 15 months, then 19.99% - 28.74% Variable
Annual fee
$0
Welcome bonus
An extra 1.5% cash back on everything you buy, on up to $20,000 spent in the first year.
Rewards rate
5% on travel booked through Chase Travel, 3% on dining and drugstores, 1.5% on all other purchases.
Regular APR
0% intro APR for 15 months, then 19.99% - 28.74% Variable
Recommended score
670-850 Good to Excellent
What you actually get
No annual fee, ever
0% intro APR on purchases and balance transfers for 15 months
Cash back never expires while the account is open
Pairs with Sapphire cards to lift point value
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Venture X
Capital One · Travel Rewards
4.7
Welcome bonus
75,000 miles
Rewards rate
2x flat, up to 10x
Annual fee
$395
Regular APR
19.99% - 29.24% Variable
Annual fee
$395
Welcome bonus
75,000 bonus miles after $4,000 in purchases in the first 3 months.
Rewards rate
10x on hotels and rental cars booked through Capital One Travel, 5x on flights through Capital One Travel, 2x on everything else.
Regular APR
19.99% - 29.24% Variable
Recommended score
720-850 Excellent
What you actually get
$300 annual Capital One Travel credit
10,000 anniversary bonus miles every year
Capital One Lounge and Priority Pass access
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
American Express Gold Card
American Express · Best Overall
4.7
Welcome bonus
60,000 points
Rewards rate
Up to 4x points
Annual fee
$325
Regular APR
See Pay Over Time APR. Rates and fees apply.
Annual fee
$325
Welcome bonus
60,000 Membership Rewards points after $6,000 in purchases in the first 6 months.
Rewards rate
4x at restaurants worldwide, 4x at U.S. supermarkets on up to $25,000 per year, 3x on flights booked direct, 1x on everything else.
Regular APR
See Pay Over Time APR. Rates and fees apply.
Recommended score
690-850 Good to Excellent
What you actually get
Up to $120 Uber Cash annually, $10 monthly
Up to $120 dining credit at select partners, $10 monthly
No foreign transaction fees
Transfer points to 20+ airline and hotel partners
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Citi Double Cash
Citi · Cashback & Daily
4.7
Welcome bonus
$200 cash
Rewards rate
2% on everything
Annual fee
$0
Regular APR
18.24% - 28.24% Variable
Annual fee
$0
Welcome bonus
$200 cash back after $1,500 in purchases in the first 6 months.
Rewards rate
2% on every purchase: 1% when you buy and another 1% as you pay it off. No bonus categories.
Regular APR
18.24% - 28.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
The simplest flat 2% structure on the market
No annual fee and no categories to activate
Rewards convert to Citi ThankYou points
Long 0% intro APR on balance transfers
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Wells Fargo Active Cash
Wells Fargo · Cashback & Daily
4.7
Welcome bonus
$200 cash
Rewards rate
2% on everything
Annual fee
$0
Regular APR
0% intro APR for 12 months, then 19.24% - 29.24% Variable
Annual fee
$0
Welcome bonus
$200 cash rewards bonus after $500 in purchases in the first 3 months.
Rewards rate
Unlimited 2% cash rewards on purchases, with no categories and no caps.
Regular APR
0% intro APR for 12 months, then 19.24% - 29.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Flat 2% with no activation and no caps
Lowest spending requirement for a $200 bonus
Cell phone protection when you pay the bill with the card
No annual fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Sapphire Reserve
Chase · Travel Rewards
4.6
Welcome bonus
Up to 175,000 pts
Rewards rate
Up to 8x points
Annual fee
$795
Regular APR
21.24% - 28.24% Variable
Annual fee
$795
Welcome bonus
Up to 175,000 bonus points after $6,000 in purchases in the first 3 months. Applicants not eligible for the elevated offer may see a 125,000-point standard offer.
Rewards rate
8x on travel booked through Chase Travel, 4x on flights and hotels booked direct, 3x on dining, 1x on everything else.
Regular APR
21.24% - 28.24% Variable
Recommended score
720-850 Excellent
What you actually get
Annual travel credit that offsets a large part of the fee
Priority Pass Select airport lounge access
Primary rental car collision coverage
Transfer points to airline and hotel partners at 1:1
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Venture Rewards
Capital One · Travel Rewards
4.6
Welcome bonus
75,000 miles
Rewards rate
2x miles flat
Annual fee
$95
Regular APR
19.99% - 29.24% Variable
Annual fee
$95
Welcome bonus
75,000 bonus miles after $4,000 in purchases in the first 3 months.
Rewards rate
5x on hotels and rental cars booked through Capital One Travel, 2x miles on every other purchase.
Regular APR
19.99% - 29.24% Variable
Recommended score
690-850 Good to Excellent
What you actually get
Flat 2x on every purchase, no categories to track
Up to $120 credit for Global Entry or TSA PreCheck
Transfer miles to 15+ travel partners
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One SavorOne Cash Rewards
Capital One · Cashback & Daily
4.6
Welcome bonus
$200 cash
Rewards rate
1% - 8% back
Annual fee
$0
Regular APR
0% intro APR for 15 months, then 19.24% - 29.24% Variable
Annual fee
$0
Welcome bonus
$200 cash bonus after $500 in purchases within 3 months.
Rewards rate
3% on dining, entertainment, popular streaming services and grocery stores, 8% on Capital One Entertainment, 1% on everything else.
Regular APR
0% intro APR for 15 months, then 19.24% - 29.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
No annual fee and no foreign transaction fees
$200 bonus after a low $500 spend threshold
Unlimited 3% on four everyday categories
Automatic credit line reviews
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Discover it Cash Back
Discover · Cashback & Daily
4.6
Welcome bonus
Cashback Match
Rewards rate
1% - 5% back
Annual fee
$0
Regular APR
0% intro APR for 15 months, then 18.24% - 27.24% Variable
Annual fee
$0
Welcome bonus
Cashback Match: Discover automatically matches all the cash back earned at the end of the first year.
Rewards rate
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 1% on everything else.
Regular APR
0% intro APR for 15 months, then 18.24% - 27.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
First-year Cashback Match with no cap
No annual fee and no foreign transaction fees
Free FICO score in the app
Discover acceptance is narrower than Visa or Mastercard abroad
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Platinum Secured
Capital One · Build Credit
4.6
Welcome bonus
None
Rewards rate
No rewards
Annual fee
$0
Regular APR
29.99% Variable
Annual fee
$0
Welcome bonus
No welcome bonus. The refundable security deposit may be $49, $99 or $200 depending on the decision.
Rewards rate
No rewards program. Reports to all three major credit bureaus every month.
Regular APR
29.99% Variable
Recommended score
Limited or poor credit, 300+
What you actually get
Refundable deposit can be as low as $49
No annual fee
Automatic credit line review from around month 6
Reports to Equifax, Experian and TransUnion
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chase Freedom Flex
Chase · Cashback & Daily
4.5
Welcome bonus
$200 cash
Rewards rate
1% - 5% back
Annual fee
$0
Regular APR
0% intro APR for 15 months, then 19.99% - 28.74% Variable
Annual fee
$0
Welcome bonus
$200 bonus after $500 in purchases in the first 3 months.
Rewards rate
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 5% on travel booked through Chase Travel, 3% on dining and drugstores, 1% on everything else.
Regular APR
0% intro APR for 15 months, then 19.99% - 28.74% Variable
Recommended score
670-850 Good to Excellent
What you actually get
5% rotating categories, capped at $1,500 per quarter
Cell phone protection and purchase protection
No annual fee
Pairs with Sapphire cards to lift point value
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Blue Cash Preferred from American Express
American Express · Cashback & Daily
4.5
Welcome bonus
Cash back offer
Rewards rate
Up to 6% back
Annual fee
$95
Regular APR
See Rates and Fees. Intro APR offer may apply.
Annual fee
$95
Welcome bonus
Cash back welcome offer after meeting the spend requirement in the first 6 months.
Rewards rate
6% at U.S. supermarkets on up to $6,000 per year, 6% on select U.S. streaming, 3% at U.S. gas stations and on transit, 1% on everything else.
Regular APR
See Rates and Fees. Intro APR offer may apply.
Recommended score
690-850 Good to Excellent
What you actually get
6% at U.S. supermarkets, the highest grocery rate on this list
6% on select U.S. streaming subscriptions
Annual fee is often waived for the first year
Return protection and purchase protection
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Discover it Student Cash Back
Discover · Student
4.5
Welcome bonus
Cashback Match
Rewards rate
1% - 5% back
Annual fee
$0
Regular APR
0% intro APR for 6 months on purchases, then 18.24% - 27.24% Variable
Annual fee
$0
Welcome bonus
Cashback Match: Discover matches all cash back earned at the end of the first year.
Rewards rate
5% on rotating quarterly categories on up to $1,500 per quarter after activation, 1% on everything else.
Regular APR
0% intro APR for 6 months on purchases, then 18.24% - 27.24% Variable
Recommended score
Limited credit history, students
What you actually get
Built for applicants with no credit history
First-year Cashback Match with no cap
No annual fee and no foreign transaction fees
Free FICO score in the app
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
The Platinum Card from American Express
American Express · Travel Rewards
4.4
Welcome bonus
Up to 175,000 pts
Rewards rate
5x travel
Annual fee
$895
Regular APR
See Pay Over Time APR. Rates and fees apply.
Annual fee
$895
Welcome bonus
Up to 175,000 Membership Rewards points after $12,000 in eligible purchases in the first 6 months.
Rewards rate
5x on flights booked direct or through Amex Travel and on prepaid hotels through Amex Travel, on up to $500,000 per year, 1x on everything else.
Regular APR
See Pay Over Time APR. Rates and fees apply.
Recommended score
720-850 Excellent
What you actually get
Centurion Lounge and Priority Pass access
Annual airline, hotel and streaming statement credits
Hotel elite status with Marriott and Hilton
No foreign transaction fees
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One Quicksilver Cash Rewards
Capital One · Cashback & Daily
4.4
Welcome bonus
$200 cash
Rewards rate
1.5% - 5% back
Annual fee
$0
Regular APR
0% intro APR for 15 months, then 19.24% - 29.24% Variable
Annual fee
$0
Welcome bonus
$200 cash bonus after $500 in purchases within 3 months.
Rewards rate
5% on hotels and rental cars booked through Capital One Travel, 1.5% cash back on every other purchase.
Regular APR
0% intro APR for 15 months, then 19.24% - 29.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Flat 1.5% with no caps and no categories
No foreign transaction fees
No annual fee
0% intro APR on purchases and balance transfers
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Wells Fargo Reflect
Wells Fargo · 0% APR & Balance Transfer
4.4
Welcome bonus
None
Rewards rate
No rewards
Annual fee
$0
Regular APR
0% intro APR for 21 months on purchases and qualifying balance transfers, then 17.24% - 28.99% Variable
Annual fee
$0
Welcome bonus
No welcome bonus. The value is the 21-month interest-free period.
Rewards rate
No rewards program. This card exists to carry a balance without interest.
Regular APR
0% intro APR for 21 months on purchases and qualifying balance transfers, then 17.24% - 28.99% Variable
Recommended score
670-850 Good to Excellent
What you actually get
0% for 21 months on both purchases and balance transfers
No annual fee
Balance transfer fee of 5%, minimum $5
Cell phone protection when you pay the bill with the card
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chime Credit Builder Visa
Stride Bank, N.A. · Build Credit
4.4
Welcome bonus
None
Rewards rate
No rewards
Annual fee
$0
Regular APR
0%, no interest is charged
Annual fee
$0
Welcome bonus
No welcome bonus. No annual fee, no interest and no minimum security deposit.
Rewards rate
No rewards program. Safer Credit Building moves money you already hold and reports on-time payments monthly.
Regular APR
0%, no interest is charged
Recommended score
No credit check, 300+
What you actually get
No credit check and no annual fee
No minimum security deposit
No interest, because you spend money moved in advance
Requires a qualifying Chime Checking Account with a direct deposit
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One SavorOne Student
Capital One · Student
4.4
Welcome bonus
$50 cash
Rewards rate
1% - 8% back
Annual fee
$0
Regular APR
19.24% - 29.24% Variable
Annual fee
$0
Welcome bonus
$50 cash bonus after $100 in purchases in the first 3 months.
Rewards rate
3% on dining, entertainment, popular streaming services and grocery stores, 8% on Capital One Entertainment, 1% on everything else.
Regular APR
19.24% - 29.24% Variable
Recommended score
Limited credit history, students
What you actually get
Same 3% categories as the non-student SavorOne
No annual fee and no foreign transaction fees
Bonus after only $100 of spending
Automatic credit line reviews
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Bank of America Customized Cash Rewards
Bank of America · Cashback & Daily
4.3
Welcome bonus
$200 cash
Rewards rate
1% - 3% back
Annual fee
$0
Regular APR
0% intro APR for 15 billing cycles, then 18.24% - 28.24% Variable
Annual fee
$0
Welcome bonus
$200 online cash rewards bonus after $1,000 in purchases in the first 90 days.
Rewards rate
3% in a category you choose, 2% at grocery stores and wholesale clubs, on up to $2,500 combined per quarter, 1% on everything else.
Regular APR
0% intro APR for 15 billing cycles, then 18.24% - 28.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Choose your own 3% category each month
Preferred Rewards members earn 25% to 75% more
No annual fee
Combined $2,500 quarterly cap on the bonus rates
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Citi Simplicity
Citi · 0% APR & Balance Transfer
4.3
Welcome bonus
None
Rewards rate
No rewards
Annual fee
$0
Regular APR
0% intro APR for 21 months on balance transfers and 12 months on purchases, then 18.24% - 28.99% Variable
Annual fee
$0
Welcome bonus
No welcome bonus. The value is the interest-free period and the low transfer fee.
Rewards rate
No rewards program. Built purely for paying down an existing balance.
Regular APR
0% intro APR for 21 months on balance transfers and 12 months on purchases, then 18.24% - 28.99% Variable
Recommended score
670-850 Good to Excellent
What you actually get
Intro balance transfer fee of 3% within the first 4 months, minimum $5
No late fees and no penalty APR
No annual fee
Transfers must be completed in the first 4 months for the intro fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
OpenSky Secured Visa
Capital Bank, N.A. · Build Credit
4.2
Welcome bonus
None
Rewards rate
No rewards
Annual fee
$35
Regular APR
24.64% Variable
Annual fee
$35
Welcome bonus
No welcome bonus. Applying does not require a credit check or an existing bank account.
Rewards rate
No rewards program. Reports payment history monthly to all three bureaus.
Regular APR
24.64% Variable
Recommended score
No credit history required, 300+
What you actually get
No credit check to apply
Refundable security deposit from $200
No bank account required
Credit line increases without an extra deposit
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
BankAmericard
Bank of America · 0% APR & Balance Transfer
4.1
Welcome bonus
None
Rewards rate
No rewards
Annual fee
$0
Regular APR
0% intro APR for 18 billing cycles on purchases and balance transfers, then 16.24% - 26.24% Variable
Annual fee
$0
Welcome bonus
No welcome bonus.
Rewards rate
No rewards program.
Regular APR
0% intro APR for 18 billing cycles on purchases and balance transfers, then 16.24% - 26.24% Variable
Recommended score
670-850 Good to Excellent
What you actually get
0% for 18 billing cycles on purchases and transfers
No penalty APR for a late payment
Balance transfer fee of 3%, minimum $10
No annual fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
U.S. debit cards compared by the attributes that matter for that product type.
Card
Monthly fee
Rewards / APY
Fee-free ATMs
Overdraft
Direct deposit
Actions
Discover Cashback Debit
Discover Bank · 4.8/5
$0
No minimum balance
1% cash back
1% cash back on up to $3,000 in debit purchases each month, with no qualifying conditions. Spending above the cap earns nothing.
60,000+ fee-free ATMs
No overdraft or insufficient funds fees
Up to 2 days early
Monthly fee
$0
Rewards / APY
1% cash back on up to $3,000 in debit purchases each month, with no qualifying conditions. Spending above the cap earns nothing.
Fee-free ATMs
60,000+ fee-free ATMs
Overdraft
No overdraft or insufficient funds fees
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Up to $360 a year in debit cash back at the monthly cap
No qualifying direct deposit needed to earn
No monthly fee and no minimum balance
No insufficient funds fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
SoFi Checking and Savings
SoFi Bank, N.A. · 4.7/5
$0
No minimum balance
Up to 3.80% APY
Up to 3.80% APY on savings and vaults with a qualifying direct deposit, plus cash back at select local merchants.
55,000+ Allpoint ATMs
Up to $50 covered, no fee
Up to 2 days early
Monthly fee
$0
Rewards / APY
Up to 3.80% APY on savings and vaults with a qualifying direct deposit, plus cash back at select local merchants.
Fee-free ATMs
55,000+ Allpoint ATMs
Overdraft
Up to $50 covered, no fee
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Welcome bonus of up to $300 with a qualifying direct deposit
No account fees and no overdraft fees
Extended FDIC insurance through the insured deposit program
Savings vaults that separate goals inside one account
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Upgrade Rewards Checking Preferred
Cross River Bank · 4.4/5
$0
No minimum balance
2% cash back
2% cash back on common everyday purchases, subject to monthly caps, with a qualifying direct deposit of at least $1,000.
Allpoint network
No overdraft fees
Up to 2 days early
Monthly fee
$0
Rewards / APY
2% cash back on common everyday purchases, subject to monthly caps, with a qualifying direct deposit of at least $1,000.
Fee-free ATMs
Allpoint network
Overdraft
No overdraft fees
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
2% back on everyday categories, the highest flat debit rate here
Requires $1,000 of direct deposit within 60 days to qualify
No monthly fee and no minimum balance
Cash back is capped per category each month
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Varo Bank Account
Varo Bank, N.A. · 4.5/5
$0
No minimum balance
Up to 6% offers
Up to 6% cash back on eligible merchant offers activated in the app, plus up to 5.00% APY on the linked Varo Savings Account.
40,000+ Allpoint ATMs
Varo Advance up to $500
Up to 2 days early
Monthly fee
$0
Rewards / APY
Up to 6% cash back on eligible merchant offers activated in the app, plus up to 5.00% APY on the linked Varo Savings Account.
Fee-free ATMs
40,000+ Allpoint ATMs
Overdraft
Varo Advance up to $500
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Holds its own national bank charter rather than partnering with one
Cash back offers must be activated per merchant in the app
Cash advances without a credit check
No monthly fee, no minimum balance, no foreign transaction fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chime Checking Account
The Bancorp Bank, N.A. · 4.5/5
$0
No minimum balance
No standard rewards
No cash back on the standard account. Higher rates require a paid membership tier and qualifying direct deposits.
50,000+ fee-free ATMs
SpotMe up to $200, no fee
Up to 2 days early
Monthly fee
$0
Rewards / APY
No cash back on the standard account. Higher rates require a paid membership tier and qualifying direct deposits.
Fee-free ATMs
50,000+ fee-free ATMs
Overdraft
SpotMe up to $200, no fee
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
SpotMe covers debit purchases up to $200 with no overdraft fee
No monthly fee, no minimum balance, no foreign transaction fee
MoneyPass and Visa Plus Alliance ATM networks
Pairs with the Chime Credit Builder card to build a credit file
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Axos Bank Rewards Checking
Axos Bank · 4.4/5
$0
No minimum balance
Up to 3.30% APY
Up to 3.30% APY on the checking balance when the qualifying activity requirements are met each month.
Unlimited domestic ATM rebates
No overdraft fees
Up to 2 days early
Monthly fee
$0
Rewards / APY
Up to 3.30% APY on the checking balance when the qualifying activity requirements are met each month.
Fee-free ATMs
Unlimited domestic ATM rebates
Overdraft
No overdraft fees
Early direct deposit
Up to 2 days early
Minimum to open
$50
What you actually get
Interest paid on the checking balance itself, not just savings
Unlimited reimbursement of domestic ATM fees
No monthly maintenance fee and no minimum balance
The top rate requires meeting several monthly activity conditions
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Schwab Bank Investor Checking
Charles Schwab Bank · 4.7/5
$0
No minimum balance
Unlimited ATM rebates
A small interest rate on the checking balance. The value here is the fee structure.
Unlimited worldwide ATM rebates
Overdraft protection from the linked brokerage
Standard timing
Monthly fee
$0
Rewards / APY
A small interest rate on the checking balance. The value here is the fee structure.
Fee-free ATMs
Unlimited worldwide ATM rebates
Overdraft
Overdraft protection from the linked brokerage
Early direct deposit
Standard timing
Minimum to open
$0
What you actually get
Unlimited ATM fee rebates worldwide, with no caps
No foreign transaction fees on debit purchases
No monthly fee and no minimum balance
Requires opening a linked Schwab brokerage account
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One 360 Checking
Capital One, N.A. · 4.4/5
$0
No minimum balance
No rewards
No cash back. Pays a small APY on the checking balance.
70,000+ fee-free ATMs
Fee-free overdraft options
Up to 2 days early
Monthly fee
$0
Rewards / APY
No cash back. Pays a small APY on the checking balance.
Fee-free ATMs
70,000+ fee-free ATMs
Overdraft
Fee-free overdraft options
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
No monthly fee, no minimum balance and no overdraft fees
No foreign transaction fees on debit purchases or withdrawals
Branch and café access, unusual for an online account
70,000+ fee-free ATMs through Allpoint and MoneyPass
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Ally Spending Account
Ally Bank · 4.5/5
$0
No minimum balance
Up to 0.25% APY
No cash back. Pays 0.10% APY under $15,000 and 0.25% APY at $15,000 or more.
75,000+ fee-free ATMs
CoverDraft up to $250
Up to 2 days early
Monthly fee
$0
Rewards / APY
No cash back. Pays 0.10% APY under $15,000 and 0.25% APY at $15,000 or more.
Fee-free ATMs
75,000+ fee-free ATMs
Overdraft
CoverDraft up to $250
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Up to $10 per statement cycle in out-of-network ATM fee refunds
Interest paid on the checking balance
Spending buckets to organise money inside the account
No monthly fee and no minimum balance
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Current
Choice Financial Group · 4.1/5
$0
No minimum balance
Up to 4.00% bonus
Up to 4.00% bonus on balances held in Savings Pods, plus points at select merchants.
40,000+ Allpoint ATMs
Overdrive up to $200, no fee
Up to 2 days early
Monthly fee
$0
Rewards / APY
Up to 4.00% bonus on balances held in Savings Pods, plus points at select merchants.
Fee-free ATMs
40,000+ Allpoint ATMs
Overdraft
Overdrive up to $200, no fee
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
No minimum balance and no overdraft fee with Overdrive
Teen accounts with parental controls
Instant spending notifications and category breakdowns
Points on debit purchases at participating merchants
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Discover Cashback Debit
Discover Bank · Cash Back Debit
4.8
Monthly fee
$0
Rewards / APY
1% cash back
Fee-free ATMs
60,000+ fee-free ATMs
Overdraft
No overdraft or insufficient funds fees
Monthly fee
$0
Rewards / APY
1% cash back on up to $3,000 in debit purchases each month, with no qualifying conditions. Spending above the cap earns nothing.
Fee-free ATMs
60,000+ fee-free ATMs
Overdraft
No overdraft or insufficient funds fees
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Up to $360 a year in debit cash back at the monthly cap
No qualifying direct deposit needed to earn
No monthly fee and no minimum balance
No insufficient funds fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
SoFi Checking and Savings
SoFi Bank, N.A. · High-Yield Checking
4.7
Monthly fee
$0
Rewards / APY
Up to 3.80% APY
Fee-free ATMs
55,000+ Allpoint ATMs
Overdraft
Up to $50 covered, no fee
Monthly fee
$0
Rewards / APY
Up to 3.80% APY on savings and vaults with a qualifying direct deposit, plus cash back at select local merchants.
Fee-free ATMs
55,000+ Allpoint ATMs
Overdraft
Up to $50 covered, no fee
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Welcome bonus of up to $300 with a qualifying direct deposit
No account fees and no overdraft fees
Extended FDIC insurance through the insured deposit program
Savings vaults that separate goals inside one account
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Upgrade Rewards Checking Preferred
Cross River Bank · Cash Back Debit
4.4
Monthly fee
$0
Rewards / APY
2% cash back
Fee-free ATMs
Allpoint network
Overdraft
No overdraft fees
Monthly fee
$0
Rewards / APY
2% cash back on common everyday purchases, subject to monthly caps, with a qualifying direct deposit of at least $1,000.
Fee-free ATMs
Allpoint network
Overdraft
No overdraft fees
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
2% back on everyday categories, the highest flat debit rate here
Requires $1,000 of direct deposit within 60 days to qualify
No monthly fee and no minimum balance
Cash back is capped per category each month
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Varo Bank Account
Varo Bank, N.A. · Online Checking
4.5
Monthly fee
$0
Rewards / APY
Up to 6% offers
Fee-free ATMs
40,000+ Allpoint ATMs
Overdraft
Varo Advance up to $500
Monthly fee
$0
Rewards / APY
Up to 6% cash back on eligible merchant offers activated in the app, plus up to 5.00% APY on the linked Varo Savings Account.
Fee-free ATMs
40,000+ Allpoint ATMs
Overdraft
Varo Advance up to $500
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Holds its own national bank charter rather than partnering with one
Cash back offers must be activated per merchant in the app
Cash advances without a credit check
No monthly fee, no minimum balance, no foreign transaction fee
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Chime Checking Account
The Bancorp Bank, N.A. · Online Checking
4.5
Monthly fee
$0
Rewards / APY
No standard rewards
Fee-free ATMs
50,000+ fee-free ATMs
Overdraft
SpotMe up to $200, no fee
Monthly fee
$0
Rewards / APY
No cash back on the standard account. Higher rates require a paid membership tier and qualifying direct deposits.
Fee-free ATMs
50,000+ fee-free ATMs
Overdraft
SpotMe up to $200, no fee
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
SpotMe covers debit purchases up to $200 with no overdraft fee
No monthly fee, no minimum balance, no foreign transaction fee
MoneyPass and Visa Plus Alliance ATM networks
Pairs with the Chime Credit Builder card to build a credit file
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Axos Bank Rewards Checking
Axos Bank · High-Yield Checking
4.4
Monthly fee
$0
Rewards / APY
Up to 3.30% APY
Fee-free ATMs
Unlimited domestic ATM rebates
Overdraft
No overdraft fees
Monthly fee
$0
Rewards / APY
Up to 3.30% APY on the checking balance when the qualifying activity requirements are met each month.
Fee-free ATMs
Unlimited domestic ATM rebates
Overdraft
No overdraft fees
Early direct deposit
Up to 2 days early
Minimum to open
$50
What you actually get
Interest paid on the checking balance itself, not just savings
Unlimited reimbursement of domestic ATM fees
No monthly maintenance fee and no minimum balance
The top rate requires meeting several monthly activity conditions
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Schwab Bank Investor Checking
Charles Schwab Bank · Travel & ATM Fees
4.7
Monthly fee
$0
Rewards / APY
Unlimited ATM rebates
Fee-free ATMs
Unlimited worldwide ATM rebates
Overdraft
Overdraft protection from the linked brokerage
Monthly fee
$0
Rewards / APY
A small interest rate on the checking balance. The value here is the fee structure.
Fee-free ATMs
Unlimited worldwide ATM rebates
Overdraft
Overdraft protection from the linked brokerage
Early direct deposit
Standard timing
Minimum to open
$0
What you actually get
Unlimited ATM fee rebates worldwide, with no caps
No foreign transaction fees on debit purchases
No monthly fee and no minimum balance
Requires opening a linked Schwab brokerage account
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Capital One 360 Checking
Capital One, N.A. · Online Checking
4.4
Monthly fee
$0
Rewards / APY
No rewards
Fee-free ATMs
70,000+ fee-free ATMs
Overdraft
Fee-free overdraft options
Monthly fee
$0
Rewards / APY
No cash back. Pays a small APY on the checking balance.
Fee-free ATMs
70,000+ fee-free ATMs
Overdraft
Fee-free overdraft options
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
No monthly fee, no minimum balance and no overdraft fees
No foreign transaction fees on debit purchases or withdrawals
Branch and café access, unusual for an online account
70,000+ fee-free ATMs through Allpoint and MoneyPass
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Ally Spending Account
Ally Bank · Online Checking
4.5
Monthly fee
$0
Rewards / APY
Up to 0.25% APY
Fee-free ATMs
75,000+ fee-free ATMs
Overdraft
CoverDraft up to $250
Monthly fee
$0
Rewards / APY
No cash back. Pays 0.10% APY under $15,000 and 0.25% APY at $15,000 or more.
Fee-free ATMs
75,000+ fee-free ATMs
Overdraft
CoverDraft up to $250
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
Up to $10 per statement cycle in out-of-network ATM fee refunds
Interest paid on the checking balance
Spending buckets to organise money inside the account
No monthly fee and no minimum balance
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Current
Choice Financial Group · Online Checking
4.1
Monthly fee
$0
Rewards / APY
Up to 4.00% bonus
Fee-free ATMs
40,000+ Allpoint ATMs
Overdraft
Overdrive up to $200, no fee
Monthly fee
$0
Rewards / APY
Up to 4.00% bonus on balances held in Savings Pods, plus points at select merchants.
Fee-free ATMs
40,000+ Allpoint ATMs
Overdraft
Overdrive up to $200, no fee
Early direct deposit
Up to 2 days early
Minimum to open
$0
What you actually get
No minimum balance and no overdraft fee with Overdrive
Teen accounts with parental controls
Instant spending notifications and category breakdowns
Points on debit purchases at participating merchants
Terms reviewed 2026-08-01. Rates, fees and bonuses are set by the issuer and change without notice — confirm them on the issuer’s own page.
Rates, fees, bonuses and approval criteria are set by the issuer and can change at any time. Always confirm the current terms on the issuer’s application page before you apply. Prefer a side-by-side view? Use the comparator.
Categories
Shortlists by what the card is for.
Best Overall
credit
The strongest all-round picks for someone who pays the balance in full each month.
Travel Rewards
credit
Lounge access, transfer partners and large welcome offers, behind larger annual fees.
Cashback & Daily
credit
Cash back on what you already buy, mostly with no annual fee.
0% APR & Balance Transfer
credit
No rewards, no annual fee, just the longest interest-free windows available.
Build Credit
credit
Secured and credit-builder products for a thin file or no file at all.
Student
credit
Written for applicants with no credit history and a part-time income.
Cash Back Debit
debit
Debit cards that pay you back on everyday spending, which almost none of them do.
High-Yield Checking
debit
Accounts that pay real interest on the money sitting in them.
Travel & ATM Fees
debit
For people who withdraw cash abroad and refuse to pay for it.
Online Checking
debit
No monthly fee, no minimum balance, and overdraft cover without the usual penalties.
Questions
The things people actually ask before applying.
General information about how U.S. card products work. None of it is personalized financial, tax or legal advice, and only the issuer can tell you whether you qualify.
Issuers do not publish score cutoffs, and no site can tell you whether you will be approved. As a general pattern, premium travel cards such as the Chase Sapphire Preferred are marketed to applicants in the good-to-excellent range, roughly 690 and above, while flat-rate cash back cards tend to be marketed from about 670. Secured products such as the OpenSky Secured Visa are designed for people with limited or no credit history. Score is only one input: issuers also weigh income, existing debt, how many accounts you have opened recently and your history with that specific bank.
Generally, a welcome bonus you earn by meeting a spending requirement is treated by the IRS as a rebate on your purchases rather than income, so it is normally not taxable and you will not receive a tax form for it. Rewards given without any spending requirement, such as a bonus for simply opening a deposit account, are more likely to be treated as income and reported on a Form 1099. This is general information, not tax advice. Check with a qualified tax professional about your own situation.
A card application normally triggers a hard inquiry, which typically lowers a FICO score by a small amount, often less than five points. Hard inquiries stay on your report for two years but generally stop affecting FICO scores after twelve months. Opening the account also lowers your average age of accounts, while the new credit line can lower your utilization ratio, which usually helps. Applying for several cards in a short window has a larger combined effect than a single application.
A debit card spends money already in your checking account and is not reported to the credit bureaus, so it does not build a credit file. A secured credit card is a real credit account backed by a refundable deposit, and the issuer reports your payment history to Equifax, Experian and TransUnion each month, which is what builds credit. Products like the Chime Credit Builder Visa sit in between: you move money in advance so there is no interest and no minimum deposit, but the account still reports as credit.
Yes. Two common routes are a secured card, where a refundable deposit backs the credit line, and a credit-builder product tied to a checking account. Both are designed to be accessible without an established file, and the OpenSky Secured Visa in particular does not involve a credit check to apply. Student cards and becoming an authorized user on someone else’s account are two other common starting points.
It depends entirely on your own spending. The arithmetic is straightforward: add up the credits and rewards you would realistically use in a year, then subtract the fee. A $95 fee is covered by roughly $2,000 of annual dining spend on a card earning 3x if you value the points at one cent each, but only if you actually redeem them. Statement credits only count if you would have made that purchase anyway. If you carry a balance from month to month, the interest cost usually outweighs any rewards, and a low-APR card matters more than an earn rate.
A 0% intro APR means no interest is charged on qualifying balances for a set number of months from account opening, commonly twelve to twenty-one months. When the window closes, the regular variable APR applies to whatever balance remains, and it is not retroactive to the intro period on purchases. Balance transfers usually carry a separate transfer fee, often three to five percent of the amount moved. Paying late can end the promotional rate early under the terms of most agreements.
There is no legal limit, but issuers set their own rules. Chase is widely reported to decline applicants who have opened five or more personal credit cards from any issuer in the previous twenty-four months, a policy commonly called 5/24. Other issuers limit how many of their own cards you can hold, or how often you can receive a welcome bonus on the same product. Spacing applications out reduces the combined effect of multiple hard inquiries.
Many online applications return a decision within about sixty seconds. Some are referred for manual review, which commonly takes seven to ten business days, and the issuer may request identity or income documentation. Once approved, a physical card typically arrives within seven to ten business days, though some issuers now provide a virtual card number you can use immediately.
We rank on the value the product returns to a typical U.S. customer: the size and attainability of the welcome offer, the earn rate or yield on everyday activity, the fee relative to what you get back, and how broadly useful it is rather than how well it suits one narrow case. We have no advertising or affiliate relationship with any issuer and receive no compensation for these listings, so nothing here is placed or ordered in exchange for payment. No issuer reviews our content before publication.
How this site works
The part most sites bury.
Editorial only. This site currently earns nothing. There are no affiliate links, no sponsored placements and no compensation from any issuer. Every product below is listed because we think it belongs there.
01
We are not paid for any of this
US Card Index has no advertising, affiliate or referral relationship with any issuer or bank. Nothing on this site is a tracked link, no product is placed in exchange for payment, and no one pays us to move a product up the list. If that changes, a full disclosure will appear here and in the header before any paid link goes live.
02
Editorial independence
Ratings and ordering are produced by us alone. No issuer reviews, approves or sees our content before it is published, and none has ever asked to.
03
Where the numbers come from
Figures are compiled from issuer product pages and public comparison sources, then dated. Welcome bonuses, earn rates, APRs, fees and APYs are set by the issuer and can be changed, reduced or withdrawn at any time without notice to us. The terms shown on the issuer’s own application page always control.
04
Not all products are shown
We do not track every card or account available in the U.S. market, and this is not a complete list of everything you may qualify for. Some categories, such as business and co-branded airline cards, are deliberately out of scope for now.
05
This is not financial advice
Nothing here is personalized financial, tax, legal or credit advice, and we are not a licensed financial advisor. Your own situation decides whether a product makes sense. Consider speaking to a qualified professional before applying.
06
Your data stays on your device
Filters, sorting and card selection all run in your browser. We do not collect, transmit or store what you click, and we never ask for a Social Security number, an account number or any other application data.
Issuer & product notes
American Express: rates and fees for Amex products are published on the issuer’s own application pages. Terms apply and enrollment may be required for certain benefits.
OpenSky Secured Visa is issued by Capital Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. A refundable security deposit is required.
Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. A qualifying direct deposit is required for some features.
Discover it Secured is excluded from this list: Discover stopped accepting new applications for it in June 2026.
All trademarks, product names and issuer marks are the property of their respective owners. Their use here is nominative and does not imply any endorsement of, or affiliation with, US Card Index.