Best for: Flat-rate travel rewards

Capital One Venture Rewards Credit Card

Apply Now
on Capital One's website
NerdWallet rating

4.7

/5

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended credit score

690-850 (Good - Excellent)

See your approval odds
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
    • Pros
  • High rewards rate
  • Flexible rewards

    • Cons
  • High annual fee
  • Rewards have limited flexibility
  • Requires good/excellent credit

    • Best for: Cash back — bonus categories + high ongoing rate

    Chase Freedom Unlimited®

    Apply Now
    on Chase's website
    NerdWallet rating

    5.0

    /5

    Annual fee

    $0

    Rewards rate

    1.5%-6.5%

    Cashback

    Intro offer

    $300

    Miles

    Recommended credit score

    690-850 (Good - Excellent)

    See your approval odds
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 27.49%.
    • 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, real-time alerts, and more.
    Pros
  • No annual fee
  • Intro APR period
  • High rewards rate
  • No minimum redemption amount

    • Cons
  • Requires good/excellent credit

    • Best for: Long-term value: 0% periods for transfers and purchases + high ongoing rewards

    Wells Fargo Active Cash® Card

    Apply Now
    on Wells Fargo's website
    NerdWallet rating

    5.0

    /5

    Rates & Fees

    Annual fee

    $0

    Rewards rate

    2%

    Cashback

    Intro offer

    $200

    Recommended credit score

    690-850 (Good - Excellent)

    See your approval odds
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • View Rates and Fees
    • Pros
  • High rewards rate
  • No annual fee
  • Intro APR period

    Cons
  • No bonus categories

    • Best for: Bonus rewards: High rates on dining, groceries and more

    Capital One SavorOne Cash Rewards Credit Card

    Apply Now
    on Capital One's website
    NerdWallet rating

    5.0

    /5

    Annual fee

    $0

    Rewards rate

    1%-10%

    Cashback

    Intro offer

    $200

    Recommended credit score

    690-850 (Good - Excellent)

    See your approval odds
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 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; 17.99% – 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
    • Pros
  • No annual fee
  • Intro APR period
  • Bonus categories
  • No foreign transaction fees

    • Cons
  • Requires good/excellent credit

    • Best for: Long-term value: 0% periods for transfers and purchases + bonus cash back

    Discover it® Balance Transfer

    Apply Now
    on Discover's website
    NerdWallet rating

    5.0

    /5

    Rates & Fees

    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    Cashback Match™

    Recommended credit score

    690-850 (Good - Excellent)

    See your approval odds
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click “Apply Now” to see terms and conditions.
  • View Rates and Fees
    • Pros
  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

    • Cons
  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad

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