Best Credit Cards

Automatically match all the Miles you’ve earned at the end of your first year. There is no limit. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Earn unlimited 1.5x Miles on travel purchases and all your everyday purchases

Turn miles into cash. Or redeem as a statement credit for your travel purchases

No annual fee; 0% intro APR for 15 months on purchases and balance transfers; then 17.49% - 26.49% variable APR

You may be eligible for as high as 175,000 Membership Rewards(R) Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

5X Points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year. 5X Points on prepaid hotels booked on American Express Travel®.

Up to $600 Hotel Credit; Up to $200 Uber Cash; Up to $200 Airline Fee Credit; Up to $219 CLEAR® Plus Credit; Up to $300 Digital Entertainment Credit

$895 annual fee Rates & Fees; no foreign transaction fees

None

Earn unlimited 1.25 miles per dollar on every purchase, every day; Earn unlimited 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Transfer your miles to your choice of 15+ travel loyalty programs; flexible mile redemption options

$0 Annual fee; 28.99% variable APR.

25,000 online bonus points, a $250 travel or dining statement credit value after making at least $1,000 in purchases in the first 90 days of account opening

Earn 1.5 points for every $1 spent on everyday purchases

0% introductory APR for the first 12 months that your account is open. After that, your APR will be 18.49%, 24.49% or 28.49%

6% groceries/streaming, 3% gas

$300 after spending $3,000 in six months

0% APR for ~12 months on purchases and balance transfers, $120 Disney streaming,

$95 annual fee; 2.70% foreign transaction fee; $5 or 3% balance transfer fee

1.5% cash back

$200 after $1,000 spend, 2% cash back first year

0% APR for 15 billing cycles

$0 annual fee; 0.03% foreign transaction fee; 0.04 balance transfer fee

Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services, plus 1% on all other purchases

$39

1.5%–5% cash back (category-based)

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

0% intro APR (commonly ~15 months) on purchases & balance transfers

No annual fee; 0.03% foreign transaction fee; $5 or 5% balance transfer fee

2x Miles on United purchases

30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening. 0% intro APR for 12 months from account opening on purchases.

25% on United inflight and Club premium drink purchases

$0 Annual fee; After the intro period, a variable APR of 19.74%–28.24%.

3X miles on Delta purchases made directly with Delta; 3X miles at hotels; 2X miles on dining; 2x miles on groceries; 1X miles on other purchases.

You may be eligible for as high as 90,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

$120 Rideshare Credit. Plus, take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app

$350 Annual fee; 19.49% to 28.49% variable APR on purchases.

10X miles on eligible hotels and car rental; 4X on eligible American Airline purchases; 5X miles after spending $150,000 in a calendar year; 1X miles on all other purchases

Earn 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 in purchases within the first 3 months of account opening.

Complimentary Admirals Club® membership (value of up to $850); Global Entry® or TSA PreCheck® application fee credit (up to $120 every 4 years); Priority check-in, screening, and boarding when flying with American Airlines

$595 Annual fee; 9.49% – 29.49% variable APR

Earn 7,500 Anniversary Bonus BreezePoints after every account anniversary with eligible purchases; Earn up to 10X BreezePoints on Nicer Bundles and Nicest Bundles; Earn up to 4X BreezePoints on Nice Bundles; Earn 2X BreezePoints on eligible grocery store & restaurant purchases including Breeze Airways inflight food and beverages.

30,000 Bonus BreezePoints* after spending $1,000 on purchases within the first 90 days; Earn Breezy 1, including a Bundle Upgrade after spending $1,000 on purchases within the first 90 days

Priority boarding; Complimentary WiFi

$89 Annual fee; 19.49% to 29.49% variable APR

Up to 15x Miles on eligible purchases at flyfrontier.com; 3X miles on eligible restaurants; 1X miles on everything else

Earn 50,000 Travel Miles after spending $1,000 on purchases within the first 90 days of account opening.

Unlock Instant Elite Gold Status after first purchase with your card, in the first 90 days after account opening. Two free checked bags on Frontier flights. Earn a $100 Flight Voucher every account anniversary after spending $2,500 or more on purchases with your card during your cardmembership year. Miles never expire as long as your account is open and in good standing.

$0 annual fee for the first year, then $99 per year; 19.49% to 29.49% variable APR

Get a $30 statement credit when you open a Sam’s Club credit card account and use it to make $30 in eligible Sam’s Club purchases within 30 days.

Sam's Club Plus Credit Card: 5% gas, 3% dining & Sam's Club, 1% other / Sam’s Club Credit Card: 5% gas, 3% dining, 1% other

Member-only fuel prices: Scan & Go: Free Curbside Pickup on eligible orders over $50 and more.

$0 Annual fee

$125 Amazon Gift Card

5% back on U.S. Purchases at Amazon.com with an eligible Prime membership; 2% back on U.S. Purchases at restaurants, gas stations and wireless phone services purchased directly from service providers; 1% back on all other purchases.

Amazon Business Enhanced Data Views

$0 Annual fee; 17.74% - 25.74% variable APR

Earn a $100 statement credit when you spend $500 within 60 days of account opening.

5x rewards on PlayStation; 3x rewards on streaming & internet; 2x rewards on dining; 1 point per $1 on everything else

Choose the card with your favorite game or character when you apply.

$0 Annual fee; 17.74% to 31.74% variable APR

$100 REI gift card after first purchase outside of REI within 60 days from account opening

5% in card rewards on REI Co-op purchases. 1.5% in card rewards on all other purchases

Access to Mastercard World Elite benefits

$0 Annual fee; 17.49%, 24.49% or 28.49% variable APR

Earn 16% back in rewards on every AE & Aerie purchase; Free shipping & returns, always; 20% off coupon 1x per year

Take 20% off your first AE or Aerie purchase when you open and use your Real Rewards credit card.

Members-only sales & events

No annual fee; Variable Purchase APR 33.49%. Variable Penalty APR 39.99%. Min Interest Charge of $2. Real Rewards Visa Variable Cash APR 34.49% and 5% Fee ($10 min). Foreign Trans Fee 3%

75,000 bonus points after spending $6,000 in the first 3 months

12x points per dollar spent on hotels, car rentals, and attractions booked on cititravel.com; 6x points per dollar spent on air travel booked on cititravel.com; 6x points per dollar spent at restaurants on Citi Nights℠ purchases, Friday and Saturday from 6 PM - 6 AM ET; 3x 3x points per dollar spent at Restaurants any other time; 1.5x points per dollar spent on all other purchases

Up to $300 annual hotel benefit; American Airlines Admirals Club® Lounge Access Passes; Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit

$595 annual fee; 20.49%- 28.49% variable APR; Balance transfer fee of $5 or 5%

150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening

8x points on all purchases through Chase Travel, including The Edit; 5x total points on Lyft rides through 9/30/27; 4x points on flights & hotels booked direct; 3x points on social media & search engine advertising; 1x points on all other purchases.

$300 annual travel credit; $250 credit for select Chase Travel Hotels; $420 DoorDash value; $400 ZipRecruiter credit

$795 Annual fee; 17.74% to 25.74% variable APR

0% Intro APR on purchases for the first 18 months following account opening and 0% Intro APR on balance transfers for the first 18 months following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 19.49% to 27.49%

Earn a lower purchase APR when you pay on time and make at least $3,000 in net purchases over 12 billing cycles

You can be reimbursed for the difference in price if an item you purchased drops in price within 60 days of purchase. Up to $25 in annual digital subscription service credits for eligible purchases.

$0 Annual Fee; 19.49% to 27.49% variable APR after intro period

70,000 bonus points and a $99 Companion Fare after spending $4,000 or more on purchases within the first 90 days after account opening

3 points per $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases; 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases

20% back when you buy Wi-Fi, drinks, and other extras with your card on Alaska Airlines and Hawaiian Airlines flights.

$70 for the company and $25 per card; 19.49% to 27.49% variable APR

None

3% unlimited cash back on dining, groceries and entertainment (including streaming), and 1.5% unlimited cash back on everything else

Over $750 in premium travel benefits through Priority Pass™, Global Entry, TSA PreCheck® and more

$295 Annual fee; 19.49% to 28.49% variable APR

0% introductory APR for 21 months from date of account opening. After that, your APR will be 17.49%, 23.99%, or 29.24%, based on your creditworthiness.

None

Cell phone protection is included when paying your monthly phone bill with the card.

No annual fee

0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 19.49% to 28.49%

None

Free access to FICO® scores.

No annual fee

0% Intro APR for the first 15 months that your Account is open. After that, 18.24% to 27.74%

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

5% rotating; 3% dining/drugstore

No annual fee

0% APR for 15 billing cycles, then 17.49% - 27.49%

$200 online cash rewards bonus offer and No annual fee

3% choice category; 2% grocery

No annual fee; 3% foreign transaction fee; 4% balance transfer fee

0% Intro APR for the first 15 months that your Account is open. After that, 18.24% to 27.74%

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

1.5%–5% cash back (category-based)

No annual fee

0% Intro APR for first 15 months then a variable APR of 19.49%-28.49%

You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

3% groceries/gas/online; $84 Disney streaming

No annual fee; 2.70% foreign transaction fee; $5 or 3% balance transfer fee

0% Intro APR for first 12 months on purchases and balance transfers, then variable APR of 17.24% to 26.24%

$750 by purchasing at least $6,000 within 180 days

3% cash back on spending at office supply stores, cell phone service providers and restaurants, and on transactions of up to $200 at gas and EV charging stations; 1% cash-back everywhere else; $100 yearly credit on business software

No annual fee; 3% foreign transaction fee

14X Hilton Honors Bonus Points at participating hotels or resorts within the Hilton Portfolio; 7X Points on purchases of flights booked directly with airlines or through American Express Travel, car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants. Earn 3X Points on all other eligible purchases. Terms Apply

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

Annual free night; resort credits; $219 CLEAR Plus credit

$550 annual fee Rates and Fees

5X points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases; 3X points on purchases at gas stations, grocery stores, home improvement stores, and phone plan services; 1X points on other purchases.

60,000 BONUS POINTS when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.

Redeem points for free nights, gift cards, and more.

No annual or foreign transaction fees

6X Marriott stays; 3x restaurants worldwide 3x flights, 2x points for other eligible purchases; annual free night; up to $300 dining credit annually Terms apply

Earn 150,000 Marriott Bonvoy(R) bonus points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.

Platinum Elite status; TSA credit, $100 Bonvoy Property Credit; $300 dining credit

$650 annual fee Rates and Fees

10X points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases; 5X points on purchases at gas stations, grocery stores, home improvement stores, and phone plan services; 1X points on other purchases.

60,000 BONUS POINTS when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.

Higher status and faster earning for Choice Privileges members.

$95 annual fee

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

Unlimited 2% cash back offer on all purchases for the first year

Free FICO score

0% intro APR on purchases for 15 billing cycles; then variable APR of 17.49% to 27.49%

Earn $100 Cash Back when you spend $300 in the first three months.

Unlimited 3% cash back at grocery stores and on dining.

You won’t pay a transaction fee when making purchases outside of the United States. Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.

$0 Annual fee; then 18.49% - 28.49% variable APR

$25 for enrolling in automatic payments

Establish credit and earn 1.5% cash back on all purchases

$25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days; automatically evaluated each year to upgrade to your first Chase Freedom Unlimited card.

$0 Annual Fee; Variable 25.24%.APR

$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

6% cash back offer in the category of your choice for the first year

Students can customize rewards to gas, entertainment, or dining categories monthly.

$0 Annual Fee; 0% Introductory APR for the first 15 months. After that, your APR will be 17.49% to 27.49%,

5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases. 2% cash back at restaurants, gas stations and on select streaming services

Get a $50 Instacart credit automatically upon approval

1% cash back on all other purchases

$0 Annual fee. 18.24% to 27.74% variable APR

Up to 5% cash back on groceries

Earn a $100 statement credit when you spend $500 with your card in the first 90 days.

Fuel discounts

$0 Annual fee

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards(® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. Terms Apply.

You may be eligible for as high as 100,000 Membership Rewards(R) Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.

$120 Uber Cash as $10 monthly when you add your Gold card to the Uber app

$325 annual fee; no foreign transaction fees Rates and Fees

Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Earn 1% cash back on all other purchases.

$0 Annual fee. 0% introductory APR for the first 12 months that your account is open. After that, your APR will be 18.49%, 24.49% or 28.49%

Earn 20,000 bonus points after spending $1,000 in purchases within the first 3 months. (wellsfargo.com)

Unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; 1X points on other purchases.

0% intro APR for 12 months from account opening on purchases; 19.49%, 24.49% or 29.49% variable APR thereafter.

No annual fee.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

5% rotating; 3% dining/drugstore

0% Intro APR for the first 15 months that your account is open. After that, 18.24% to 27.74%

No annual fee.

$200 cash rewards bonus after spending $500 in purchases in the first 3 months.

5% cash back on rotating quarterly categories (up to $1,500, activation required). 1% cash back on all other purchases. Categories vary quarterly and can include Amazon.com, grocery stores, restaurants and gas stations.

0% intro APR for 15 months on purchases and balance transfers and 3% intro Balance Transfer Fee until April 10, 2026. Then 17.49% to 26.49% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

No annual fee.

Earn 20,000 points (≈ $200 Cash Back) when you spend $1,000 in purchases within the first 90 days of account opening.

3% dining; 2% grocery; 1% other

0% Introductory APR for the first 15 billing cycles after account opening. After that, your APR will be 18.49%, 23.49% or 28.49%

No annual fee.

Earn up to $100 in Reward Points when you apply for either Global Entry® or TSA PreCheck®

The Fidelity® Rewards Visa Signature® Card offers unlimited 2% cash back on all purchases when deposited into an eligible Fidelity account, including brokerage, IRA, or HSAs. This cash can be used to buy ETFs with no commission fees on Fidelity's platform.

Variable regular APR of 16.49% to 26.49%

No annual fee.

Save 65¢ on every gallon for first 30 days at participating Chevron and Texaco stations

Save 3¢ on every gallon at participating Chevron and Texaco stations

Synchrony Car Care Acceptance: Use at over 1,000,000 auto merchant locations nationwide, including parts, repair, services and more

$0 Annual fee

Save 50¢/gallon for the first 30 days as a statement credit, then 5¢/gallon after that

Save 5¢ on every gallon at Wawa

Earn 3X points per $1 on Wawa purchases (excluding fuel at the pump); Earn 1X point per $1 spent everywhere else; $25 Wawa gift card automatically awarded for every 2,500 points earned

$0 Annual fee

Save 30¢ per gallon (up to 35 gallons on your first 5 Shell fuel purchases)

Save 10¢ per gallon (up to 35 gal) at Shell stations

Pay securely for Shell fuel by linking your checking account with Shell S Pay, a convenient mobile payment option in the Shell App. Save 10¢/gal every time. 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year). 2% Shell rebates on your first $10,000 Dining and Groceries purchases (per year)

$0 Annual fee

Save 20¢ per gallon as a statement credit for the first 30 days after account opening

Save up to 10¢ per gallon every day at Sheetz pumps when you combine your Sheetz Visa® card with your my Sheetz Rewardz Savings

5% cash back on Sheetz in-store purchases; 1% cash-back on all other qualifying purchases

$0 Annual fee

None

Save 10¢ per gallon on regular, mid-grade and diesel fuel, and 12¢ per gallon on premium, which is received as a reduced fuel price at the point of sale.

Get a 5% statement rebate on qualifying in-store and car wash purchases

$0 Annual fee