How does credit card interest work?

Credit card interest is the cost of borrowing money in the form of a percentage of your credit card balance at the end of each billing cycle. It's one of the main ways that credit card companies make money. You won’t have to pay interest on your purchases if you pay your balance off each cycle. If you still have a balance on your credit card past the grace period of a billing cycle, the credit card issuer will tack on your interest charges for that cycle. How much interest you pay depends on the APR you qualify for when you are approved for a card, determined partly by your creditworthiness. At the end of each billing cycle, the credit card issuer calculates your interest charges using your average daily balance, APR and the number of days in the billing cycle.

What credit score is required for a 0 percent APR card?

A good credit score (FICO score between 670 and 739) would give you a solid chance to qualify for a 0 percent APR credit card, and an excellent credit score would give you the best approval odds and rates. You can estimate your approval odds — and potentially find preapproved card offers — through Bankrate’s CardMatch tool if you want an extra vote of confidence.

What happens when the 0% APR offer ends?

When your 0 percent intro APR offer ends, the card’s regular, ongoing interest rate will apply to any future balance you carry month to month. For example, if your intro APR period is over and you still have a balance of $200 on your card, your next credit card statement will show that you owe $200 plus any additional interest you’ve gained.

What are the longest 0% APR credit card offers?

All of the longest intro APR offers on the market currently hover around 21 months. However, these lengthy offers have become harder to find. The U.S. Bank Visa Platinum Card offers a 0 percent intro APR for 21 billing cycles on purchases and qualifying balance transfers. The ongoing variable APR is 18.74 percent to 29.74 percent thereafter. The Wells Fargo Reflect Card offers a 0 percent intro APR for 21 months on purchases and qualifying balance transfers. Balance transfers made within 120 days qualify for the intro rate (with a balance trasnfer fee of 5 percent or a minimum of $5). The ongoing variable APR is 18.24 percent, 24.74 percent or 29.99 percent thereafter. The Citi® Diamond Preferred® Card has a 0 percent intro APR for 21 months on balance transfers made within four months of account opening, then 18.24 percent to 28.99 percent variable APR. On the other hand, its 0 percent intro APR on purchases only lasts 12 months. The Citi Simplicity® Card also has a lengthy 0 percent intro APR for 21 months on balance transfers, then 19.24 percent to 29.99 percent variable APR. However, its 0 percent intro APR on purchases is also limited to 12 months.

Is deferred interest the same as a 0% APR credit card?

No, the two are very different. With deferred interest, interest starts to build when you open the account but is forgiven once you pay off the charges in the specified time period. If you don't pay them off before the deadline, however, the interest that's been building up is added to your balance. A 0 percent intro APR credit card won't charge interest retroactively this way, although the card's standard APR will apply on any balance carried over after the introductory offer expires.

What's the difference between interest rates and APR?

For credit cards, there isn't any difference between the interest rate and APR. The two terms are interchangeable. However, these two terms are not interchangeable for other types of loans like mortgages where they each carry a different definition and application.

14 Best 0% APR Credit Cards of July 2024

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Wells Fargo Reflect benefit guide<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//wells-fargo-active-cash-card///">Wells Fargo Active Cash\u00ae Card<\/a> might have more long-term value, even if its intro APR offer is on the shorter side.<\/div>","pros_and_cons_header":"What you should know","pros":["It has no annual fee, so cardholders don\u2019t have to worry about offsetting a yearly cost.","This card comes with Credit Close-UpSM \u2014 a tool that can help you not only track your credit score every month, but also provides guidance on how to maintain or raise it with personalized credit insights."],"cons":["The card comes with a 3 percent foreign currency conversion fee.","The card doesn\u2019t offer traditional rewards, which limits its long-term value."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"It gives you more time to pay off debt and minimize interest than almost any other card."},"program":{"id":50,"name":"Wells Fargo rewards","active_rate":{"id":51,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[]})" >

Best longest intro APR card

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Wells Fargo Reflect® Card

Bankrate score

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.3

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Wells Fargo's secure site

See Rates & Fees

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Intro offer

Intro offer is not available for this Wells Fargo credit card.

N/A

Rewards rate

Rewards rate is not available for this credit card.

N/A

Why you’ll like this card: It gives you more time to pay off debt and minimize interest than almost any other card.

N/A
What we love: This card from Wells Fargo offers one of the longest promotional interest offers on the market, has no annual fee and even comes with some useful cardholder perks. If you need as much time as possible to pay off your transferred balance or finance a large purchase, this is one of the best intro APR cards available.

Learn more: Wells Fargo Reflect benefit guide

Alternative: The Wells Fargo Active Cash® Card might have more long-term value, even if its intro APR offer is on the shorter side.
Pros

It has no annual fee, so cardholders don’t have to worry about offsetting a yearly cost.

This card comes with Credit Close-UpSM — a tool that can help you not only track your credit score every month, but also provides guidance on how to maintain or raise it with personalized credit insights.

Cons

The card comes with a 3 percent foreign currency conversion fee.

The card doesn’t offer traditional rewards, which limits its long-term value.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Cashback Match offer<\/a>. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//is-discover-it-cash-back-worth-it///">Is the Discover it\u00ae Cash Back worth it?<\/a> <\/div><div>Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-freedom///">Chase Freedom Flex\u00ae<\/a> carries similar intro APR offers and rotating categories, but may hold better long-term value since it boasts additional year-round bonus categories, including dining, drugstores, and through Chase Travel\u2120. <\/div>","pros_and_cons_header":"What you should know","pros":["The Discover it\u00ae Cash Back is light on fees and even forgives your first late payment (up to $41 late fee after).","Discover will match the amount of cash back you earn at the end of your first year."],"cons":["You\u2019ll need to enroll in and track quarterly rotating cash back categories to maximize rewards.","The intro APR offer is decent, but it\u2019s not hard to find cards with lengthier offers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"On top of its intro APR offer and cash back match at the end of the first year, it carries solid long-term value with high rewards rates and category variety."},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Price Protection","image":"962b66cf9ebead0f099a67dad29bc23c.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Rotating Cash Back Categories","image":""},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for rotating bonus categories

Add to compare

Discover it® Cash Back

Bankrate score

4.4

Bankrate review

Bankrate score

4.4

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Discover's secure site

See Rates & Fees

Purchase intro APR

0% for 15 months

Regular APR

18.24% - 28.24% Variable APR

Intro offer

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Rewards rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

1% - 5%

Why you’ll like this card: On top of its intro APR offer and cash back match at the end of the first year, it carries solid long-term value with high rewards rates and category variety.

- 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
- 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.
What we love: This card not only offers a solid intro APR on purchases and qualifying balance transfers, but also a chance to rack up more first-year rewards value than competing cards thanks to its unique Cashback Match offer.

Learn more: Is the Discover it® Cash Back worth it?

Alternative: The Chase Freedom Flex® carries similar intro APR offers and rotating categories, but may hold better long-term value since it boasts additional year-round bonus categories, including dining, drugstores, and through Chase Travel℠.
Pros

The Discover it® Cash Back is light on fees and even forgives your first late payment (up to $41 late fee after).

Discover will match the amount of cash back you earn at the end of your first year.

Cons

You’ll need to enroll in and track quarterly rotating cash back categories to maximize rewards.

The intro APR offer is decent, but it’s not hard to find cards with lengthier offers.
- Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.

Reasons to get the Capital One VentureOne<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//discover-it-miles///">Discover it\u00ae Miles<\/a> has a higher rewards rate than the VentureOne and lets you redeem rewards for travel or cash back without losing point value. <\/div>","pros_and_cons_header":"What you should know","pros":["It has an easy-to-reach spending requirement for the welcome bonus.","The unlimited flat rewards rate makes it easy to earn miles on purchases toward your next trip."],"cons":["It has a high APR range, with the lowest end only slightly below the average credit card interest rate.","Its perks don\u2019t include some protections like trip cancellation or interruption insurance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"It's one of the only no-annual-fee travel cards that offers an intro APR and lets you transfer miles to airline and hotel partners."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Capital One","image":null},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Miles","image":null},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for travel

Add to compare

Capital One VentureOne Rewards Credit Card

Bankrate score

4.1

Bankrate review

Bankrate score

4.1

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Capital One's secure site

See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

Rewards rate

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

Why you’ll like this card: It's one of the only no-annual-fee travel cards that offers an intro APR and lets you transfer miles to airline and hotel partners.

- 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 1.25 Miles 1.25 Miles per dollar on every purchase, every day
What we love: This card is for people who need to pay off debt but want to use their card for travel in the future. Plus, the no-annual-fee Capital One VentureOne Rewards Card has a valuable welcome bonus in addition to a high rewards rate on hotel and rental car purchases made via Capital One Travel.

Learn more: Reasons to get the Capital One VentureOne

Alternative: The Discover it® Miles has a higher rewards rate than the VentureOne and lets you redeem rewards for travel or cash back without losing point value.
Pros

It has an easy-to-reach spending requirement for the welcome bonus.

The unlimited flat rewards rate makes it easy to earn miles on purchases toward your next trip.

Cons

It has a high APR range, with the lowest end only slightly below the average credit card interest rate.

Its perks don’t include some protections like trip cancellation or interruption insurance.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X 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
- 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
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Is the Wells Fargo Active Cash worth it?<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//citi-double-cash-card///">Citi Double Cash\u00ae Card<\/a> also earns up to 2 percent cash back on all purchases (1 percent at purchase and 1 percent upon payment) and comes with a long intro APR on balance transfers.  <\/div>","pros_and_cons_header":"What you should know","pros":["You can take advantage of an easily attainable welcome bonus with a terrific rate of return.","Earns a great 2 percent cash rewards flat rate on purchases, giving the card long-term value."],"cons":["There is a 3 percent foreign currency conversion fee, which will be disappointing to people who enjoy traveling abroad.","Some cardholders may find this card\u2019s lack of perks disappointing."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"It boasts one of the best flat rewards rates you can get on a card with an intro APR."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best for flat-rate rewards

Add to compare

Wells Fargo Active Cash® Card

Bankrate score

4.3

Bankrate review

Bankrate score

4.3

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Wells Fargo's secure site

See Rates & Fees

Purchase intro APR

0% intro APR for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Intro offer

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

$200 cash rewards

Rewards rate

Earn unlimited 2% cash rewards on purchases.

Why you’ll like this card: It boasts one of the best flat rewards rates you can get on a card with an intro APR.

- 2% Earn unlimited 2% cash rewards on purchases
What we love: People who want a long-term intro APR card with long-term value in the form of flat-rate cash rewards should get this card. The Wells Fargo Active Cash Card currently boasts one of the best flat cash rewards rates on the market. Plus, there’s no annual fee.

Learn more: Is the Wells Fargo Active Cash worth it?

Alternative: The Citi Double Cash® Card also earns up to 2 percent cash back on all purchases (1 percent at purchase and 1 percent upon payment) and comes with a long intro APR on balance transfers.
Pros

You can take advantage of an easily attainable welcome bonus with a terrific rate of return.

Earns a great 2 percent cash rewards flat rate on purchases, giving the card long-term value.

Cons

There is a 3 percent foreign currency conversion fee, which will be disappointing to people who enjoy traveling abroad.

Some cardholders may find this card’s lack of perks disappointing.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Is the Amex Blue Cash Everyday worth it?<\/a> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//is-blue-cash-everyday-worth-it///">
Alternative: <\/strong> The Bank of America\u00ae Customized Cash Rewards credit card offers both an intro APR and the flexibility to choose your own bonus category alongside groceries (including gas, online shopping and more). Meanwhile, the Blue Cash Preferred\u00ae Card from American Express carries a best-in-class rewards rate at U.S. supermarkets, so it could be more rewarding long term. <\/div>","pros_and_cons_header":"What you should know","pros":["The Disney Bundle credit is a great perk that many families can take advantage of.","Its intro APR offer covers both purchases and balance transfers."],"cons":["Other competing cash back cards offer longer intro APR offers.","There\u2019s a spending cap per calendar year on your highest earning categories, which may limit your cash back potential."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"It has great short- and long-term value since it offers both an intro APR and rewards on everyday spending."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for everyday use

Add to compare

Blue Cash Everyday® Card from American Express

Bankrate score

Rating: 4.6 stars out of 5

4.6

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.6 stars out of 5

4.6

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on American Express's secure site

See Rates & Fees , Terms Apply

Purchase intro APR

0% on purchases for 15 months

APR

19.24% - 29.99% Variable

Intro offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Earn $200

Rewards rate

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

1% - 3%

Why you’ll like this card: It has great short- and long-term value since it offers both an intro APR and rewards on everyday spending.

3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

1% 1% Cash Back on other purchases.

What we love: The Amex Blue Cash Everyday has a competitive intro APR offer for both purchases and balance transfers, making it a good choice for people who want a card that covers paying down debt and financing large purchases. Plus, it earns rewards in various categories that cover common household purchases.

Learn more: Is the Amex Blue Cash Everyday worth it?

Alternative: The Bank of America® Customized Cash Rewards credit card offers both an intro APR and the flexibility to choose your own bonus category alongside groceries (including gas, online shopping and more). Meanwhile, the Blue Cash Preferred® Card from American Express carries a best-in-class rewards rate at U.S. supermarkets, so it could be more rewarding long term.

Pros

The Disney Bundle credit is a great perk that many families can take advantage of.

Its intro APR offer covers both purchases and balance transfers.

Cons

Other competing cash back cards offer longer intro APR offers.

There’s a spending cap per calendar year on your highest earning categories, which may limit your cash back potential.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

No Annual Fee.

Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.

Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.

Terms Apply.

Capital One SavorOne benefits guide<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//blue-cash-preferred-card-from-american-express///">Blue Cash Preferred\u00ae Card from American Express<\/a> is a solid alternative since it has a higher cash back rate on groceries.  <\/div>","pros_and_cons_header":"What you should know","pros":["Anyone looking for a flexible everyday rewards card might find this card can work as either a supporting card or standalone option.","The card touts a number of consumer-friendly terms, including no annual fee and no foreign transaction fees."],"cons":["Compared to other rewards cards, the SavorOne has a high ongoing APR, so you may need to pay off your balance in full before the intro APR offer ends to maximize this card's value.","Cards from other issuers have better food-related perks that this card\u2019s missing, such as complimentary DoorDash or Instacart+ subscriptions."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"Few cards offer such a high rewards rate on such a practical mix of everyday bonus categories, especially at no annual fee."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Capital One","image":null},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for dining and entertainment

Add to compare

Capital One SavorOne Cash Rewards Credit Card

Bankrate score

Rating: 5 stars out of 5

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 5 stars out of 5

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Capital One's secure site

See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

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

$200

Rewards rate

8% Cash Back on Capital One Entertainment purchases. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Cash Back on all other purchases.

1% - 8%

Why you’ll like this card: Few cards offer such a high rewards rate on such a practical mix of everyday bonus categories, especially at no annual fee.

8% 8% Cash Back on Capital One Entertainment purchases

5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

1% 1% Cash Back on all other purchases

What we love: Social butterflies and foodies who want a card with intro APR offers should find substantial rewards for eating out and eating in with the Capital One SavorOne Cash Rewards Credit Card.

Learn more: Capital One SavorOne benefits guide

Alternative: The Blue Cash Preferred® Card from American Express is a solid alternative since it has a higher cash back rate on groceries.

Pros

Anyone looking for a flexible everyday rewards card might find this card can work as either a supporting card or standalone option.

The card touts a number of consumer-friendly terms, including no annual fee and no foreign transaction fees.

Cons

Compared to other rewards cards, the SavorOne has a high ongoing APR, so you may need to pay off your balance in full before the intro APR offer ends to maximize this card's value.

Cards from other issuers have better food-related perks that this card’s missing, such as complimentary DoorDash or Instacart+ subscriptions.

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; 19.99% - 29.99% variable APR after that; balance transfer fee applies

No foreign transaction fee

No annual fee

Why the Capital One Quicksilver is a great starter card<\/a> Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae<\/a> has the same flat rewards rate and a solid APR offer, but it comes with bonus categories to earn even more.<\/div>","pros_and_cons_header":"What you should know","pros":["It\u2019s a hassle-free cash back card with a solid intro APR and an easy-to-earn welcome bonus.","It has no reward minimum redemption threshold so you can redeem your cash back at any amount."],"cons":["Following the introductory APR period, you could end up with a high variable APR based on creditworthiness.","It offers few perks outside the basic issuer benefits."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"Its streamlined rewards and solid intro APR offer make it a good starter cash back card."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Capital One","image":null},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for simplicity

Add to compare

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Capital One's secure site

See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

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

$200

Rewards rate

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. Earn unlimited 1.5% cash back on every purchase, every day.

1.5% - 5%

Why you’ll like this card: Its streamlined rewards and solid intro APR offer make it a good starter cash back card.

5% 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

1.5% Earn unlimited 1.5% cash back on every purchase, every day

What we love: If you're looking for low-maintenance, unlimited cash back rewards with a solid introductory APR offer on purchases and balance transfers, the Capital One Quicksilver Cash Rewards Credit Card might be for you. Factor in no annual fee and you have the potential for a low-cost addition to your wallet that remains valuable after the intro APR period ends.

Learn more: Why the Capital One Quicksilver is a great starter card

Alternative: The Chase Freedom Unlimited® has the same flat rewards rate and a solid APR offer, but it comes with bonus categories to earn even more.

Pros

It’s a hassle-free cash back card with a solid intro APR and an easy-to-earn welcome bonus.

It has no reward minimum redemption threshold so you can redeem your cash back at any amount.

Cons

Following the introductory APR period, you could end up with a high variable APR based on creditworthiness.

It offers few perks outside the basic issuer benefits.

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

Earn unlimited 1.5% cash back on every purchase, every day

$0 annual fee and no foreign transaction fees

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Is the Blue Cash Preferred the best card for big families?<\/a> Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//blue-cash-everyday-card-from-american-express///">Blue Cash Everyday\u00ae Card from American Express<\/a> may be more cost-effective \u2014 even if it has a lower rewards rate \u2014 because it doesn\u2019t charge an annual fee.<\/div>","pros_and_cons_header":"What you should know","pros":["The base reward program is uber-lucrative, making this card a good choice for people looking for long-term value.","The card touts ancillary benefits, including purchase protection, return protection and an extended warranty."],"cons":["Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card\u2019s U.S. supermarket bonus category and only earn 1 percent back.","The annual fee is an added cost that cuts into cardmembers\u2019 cash back earnings."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"It offers the best rewards rate available at U.S. supermarkets, a solid rate in other everyday categories and practical perks like streaming credits."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"American Express","image":null},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for families

Add to compare

Blue Cash Preferred® Card from American Express

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on American Express's secure site

See Rates & Fees , Terms Apply

Purchase intro APR

0% on purchases for 12 months

APR

19.24% - 29.99% Variable

Intro offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Earn $250

Rewards rate

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

1% - 6%

Why you’ll like this card: It offers the best rewards rate available at U.S. supermarkets, a solid rate in other everyday categories and practical perks like streaming credits.

6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% 6% Cash Back on select U.S. streaming subscriptions.

3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

3% 3% Cash Back at U.S. gas stations

1% 1% Cash Back on other purchases

What we love: Families that need some time to pay off a large expense can take advantage of a modest-yet-competitive intro APR and enjoy rewards on common household expenses with the Amex Blue Cash Preferred.

Learn more: Is the Blue Cash Preferred the best card for big families?

Alternative: The Blue Cash Everyday® Card from American Express may be more cost-effective — even if it has a lower rewards rate — because it doesn’t charge an annual fee.

Pros

The base reward program is uber-lucrative, making this card a good choice for people looking for long-term value.

The card touts ancillary benefits, including purchase protection, return protection and an extended warranty.

Cons

Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.

The annual fee is an added cost that cuts into cardmembers’ cash back earnings.

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$0 intro annual fee for the first year, then $95.

Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% Cash Back on select U.S. streaming subscriptions.

3% Cash Back at U.S. gas stations.

3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

1% Cash Back on other purchases.

Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.

$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Terms Apply.

Is the Bank of America Unlimited Cash Rewards worth it?<\/a> Alternative:<\/strong> The Wells Fargo Active Cash Card offers a higher flat cash back rate on purchases.<\/div>","pros_and_cons_header":"What you should know","pros":["The card has an easy-to-obtain welcome offer, which boosts the card\u2019s short-term value.","Bank of America Preferred Rewards members with qualifying balances can boost their cash rewards earnings by 25 to 75 percent."],"cons":["Other cards on the market have a longer intro APR period.","You can find better cash back rates on other reward cards and the Preferred Rewards boost requires high account balances that may be out of reach."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"The Preferred Rewards program can make this one of the most lucrative flat-rate cash back cards available."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Flat Rate Rewards","image":null},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null}]})" >

Best for Bank of America customers

Add to compare

Bank of America® Unlimited Cash Rewards credit card

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Intro offer

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

$200

Rewards rate

Earn unlimited 1.5% cash back on all purchases.

1.5%

Why you’ll like this card: The Preferred Rewards program can make this one of the most lucrative flat-rate cash back cards available.

1.5% Earn unlimited 1.5% cash back on all purchases.

What we love: The intro APR offer with the Bank of America Unlimited Cash Rewards card can give you some relief on purchases and balance transfers, which is a feature you won’t find on every rewards card. The solid cash back rate on eligible purchases also means this card has plenty of value after the intro APR period.

Learn more: Is the Bank of America Unlimited Cash Rewards worth it?

Alternative: The Wells Fargo Active Cash Card offers a higher flat cash back rate on purchases.

Pros

The card has an easy-to-obtain welcome offer, which boosts the card’s short-term value.

Bank of America Preferred Rewards members with qualifying balances can boost their cash rewards earnings by 25 to 75 percent.

Cons

Other cards on the market have a longer intro APR period.

You can find better cash back rates on other reward cards and the Preferred Rewards boost requires high account balances that may be out of reach.

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

Earn unlimited 1.5% cash back on all purchases.

If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.

No annual fee.

No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.

Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Is the Chase Freedom Unlimited worth it?<\/a> Alternatives:<\/strong> For the same intro APR offers and comparative rewards value, the<a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-savorone-rewards-card///"> Capital One SavorOne Cash Rewards Credit Card<\/a> has a potentially lower ongoing APR, which might prove worthwhile if you carry a balance after your intro periods. Although you should aim to have all balances paid near the end of the offer period, a potentially lower ongoing APR could help you avoid high-interest debt.<\/div>","pros_and_cons_header":"What you should know","pros":["Boosted rewards in key categories, a solid flat rate and an attainable welcome offer add to this card\u2019s value as a great intro APR card.","Despite not charging an annual fee, it carries some complimentary perks like travel cancellation and interruption insurance."],"cons":["Its flat cash back rate is lower than the standard flat rate other cards have, making it a less valuable card if you don\u2019t spend frequently in its boosted categories.","You can find longer intro APR periods on other cards, which might be more valuable than the rewards you can earn with this one."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"It offers an intro APR and a higher base rewards rate than most cards with multiple categories, so it\u2019s a great standalone option."},"program":null,"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Purchase Protection","image":"9524b9f2b1d3c84068061b9c0f720bcd.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Accident Insurance","image":"9148b97046b15a99a3744622d7b3b285.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for flexible spending

Add to compare

Chase Freedom Unlimited®

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

20.49% - 29.24% Variable

Intro offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Rewards rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

1.5% - 5%

Why you’ll like this card: It offers an intro APR and a higher base rewards rate than most cards with multiple categories, so it’s a great standalone option.

5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.

3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.

1.5% 1.5% cash back on all other purchases.

What we love: It boasts decent intro APRs on purchases and balance transfers while offering generous cash back rates in a handful of the most common spending categories like dining and travel. It also offers a decent flat rate for all other purchases. If you dine out often, shop at drug stores or travel occasionally, this can be a great card to keep in your wallet.

Learn more: Is the Chase Freedom Unlimited worth it?

Alternatives: For the same intro APR offers and comparative rewards value, the Capital One SavorOne Cash Rewards Credit Card has a potentially lower ongoing APR, which might prove worthwhile if you carry a balance after your intro periods. Although you should aim to have all balances paid near the end of the offer period, a potentially lower ongoing APR could help you avoid high-interest debt.

Pros

Boosted rewards in key categories, a solid flat rate and an attainable welcome offer add to this card’s value as a great intro APR card.

Despite not charging an annual fee, it carries some complimentary perks like travel cancellation and interruption insurance.

Cons

Its flat cash back rate is lower than the standard flat rate other cards have, making it a less valuable card if you don’t spend frequently in its boosted categories.

You can find longer intro APR periods on other cards, which might be more valuable than the rewards you can earn with this one.

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 Travel℠, 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 travel purchased through Chase Travel℠, 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 20.49% - 29.24%.

No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card

Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Member FDIC

Why the Ink Business Unlimited is a good flat-rate cash back card<\/a> Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//american-express-blue-business-cash-card///">American Express Blue Business Cash\u2122 Card<\/a> is a solid alternative for small-business owners since it earns a flat 2 percent cash back rate on the first eligible $50,000 spent per year (then 1 percent back).<\/div>","pros_and_cons_header":"What you should know","pros":["The flat rewards rate on this card makes it easy to earn on business spending.","You can take advantage of a decent intro APR offer on purchases with a chance at a low ongoing APR afterward."],"cons":["With no intro APR on balance transfers, it's a poor choice if you have credit card debt you want to pay down interest-free.","Business cards with bonus categories could out-earn the Ink Business Unlimited."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"You\u2019ll earn valuable Chase points at a great flat rate and can free up cash flow with its intro APR offer (not always a given on business cards)."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Chase","image":null},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for business purchases

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Ink Business Unlimited® Credit Card

Bankrate score

Rating: 4.2 stars out of 5

4.2

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.2 stars out of 5

4.2

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 12 Months

Regular APR

18.49% - 24.49% Variable

Intro offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earn $750 bonus cash back

Rewards rate

Earn unlimited 1.5% cash back on every purchase made for your business.

1.5%

Why you’ll like this card: You’ll earn valuable Chase points at a great flat rate and can free up cash flow with its intro APR offer (not always a given on business cards).

1.5% Earn unlimited 1.5% cash back on every purchase made for your business

What we love: The Ink Business Unlimited card is a great option because of its impressive flat rate on day-to-day purchases. Plus, it comes with an intro APR period on those purchases. Business owners with personal Chase credit cards can also enjoy pooling rewards they earn with this card.

Learn more: Why the Ink Business Unlimited is a good flat-rate cash back card

Alternative: The American Express Blue Business Cash™ Card is a solid alternative for small-business owners since it earns a flat 2 percent cash back rate on the first eligible $50,000 spent per year (then 1 percent back).

Pros

The flat rewards rate on this card makes it easy to earn on business spending.

You can take advantage of a decent intro APR offer on purchases with a chance at a low ongoing APR afterward.

Cons

With no intro APR on balance transfers, it's a poor choice if you have credit card debt you want to pay down interest-free.

Business cards with bonus categories could out-earn the Ink Business Unlimited.

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earn unlimited 1.5% cash back on every purchase made for your business

No Annual Fee

Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Round-the-clock monitoring for unusual credit card purchases

With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

0% introductory APR for 12 months on purchases

Member FDIC

Is the Citi Custom Cash worth it?<\/a> Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America\u00ae Customized Cash Rewards credit card<\/a> lets you choose your top bonus category each billing cycle so you can have more control over your cash back rewards.<\/div>","pros_and_cons_header":"What you should know","pros":["This card offers a high cash back rate in one category every month, but applies it automatically to make it easy to earn rewards.","You can enjoy a relatively lengthy intro APR on balance transfers to help consolidate credit card debt."],"cons":["Bonus rewards are subject to a spending cap, which could limit your rewards earnings.","You can\u2019t transfer your points to any Citi travel partners unless you have another Citi card that offers point transfers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":"Its top rewards rate adapts to match your spending, giving you a shot at one of the best rates out there in several popular categories."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for commuters

Add to compare

Citi Custom Cash® Card

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Citi's secure site

See Rates & Fees

Purchase intro APR

0% for 15 months on purchases

Regular APR

19.24% - 29.24% (Variable)

Intro offer

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

$200

Rewards rate

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

1% - 5%

Why you’ll like this card: Its top rewards rate adapts to match your spending, giving you a shot at one of the best rates out there in several popular categories.

5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

1% Earn unlimited 1% cash back on all other purchases.

What we love: The Citi Custom Cash Card combines introductory APR offers with a boosted cash back structure that automatically adjusts to your highest eligible spend category each billing cycle. It’s a great hands-off cash back card even after the intro APR period ends.

Learn more: Is the Citi Custom Cash worth it?

Alternative: The Bank of America® Customized Cash Rewards credit card lets you choose your top bonus category each billing cycle so you can have more control over your cash back rewards.

Pros

This card offers a high cash back rate in one category every month, but applies it automatically to make it easy to earn rewards.

You can enjoy a relatively lengthy intro APR on balance transfers to help consolidate credit card debt.

Cons

Bonus rewards are subject to a spending cap, which could limit your rewards earnings.

You can’t transfer your points to any Citi travel partners unless you have another Citi card that offers point transfers.

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

No Annual Fee

Citi will only issue one Citi Custom Cash® Card account per person.

Best for shopping

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Bank of America® Customized Cash Rewards credit card

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Bank of America's secure site

Intro offer

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

$200

Rewards Rate

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.

1% - 3%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: It’s an ultra-flexible card thanks to its intro APR and mix of cash back categories, which you can swap out once per calendar month.

3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

1% Earn unlimited 1% on all other purchases.

This versatile cash back card should fit into most card strategies even after its intro APR offer ends. It’s an especially good card for people who want flexibility in where they earn rewards but frequently shop at wholesale clubs and grocery stores.

Pros

One of only cards that offers boosted rewards on purchases at wholesale clubs.

You can swap your choice category once per calendar month to maximize your cash back.

Cons

You’ll only earn a top rewards rate on your first $2,500 in quarterly spending, which can hold you back if you’re looking to earn rewards on large purchases.

You can get a longer intro APR period with other cards if you’re willing to forgo earning rewards.

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

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.

If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.

No annual fee and cash rewards don’t expire as long as your account remains open.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.

Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for flexible payment options

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Citi® Diamond Preferred® Card

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Citi's secure site

See Rates & Fees

Purchase intro APR

0% for 12 months on Purchases

Regular APR

18.24% - 28.99% (Variable)

Intro offer

Intro offer is not available for this Citi credit card.

N/A

Rewards rate

Rewards rate is not available for this credit card.

N/A

N/A

What we love: If you want a no-frills card that helps you focus on paying down debt without distractions, the Citi Diamond Preferred comes with a top-of-the-line intro APR offer for balance transfers, helping you minimize charges. And features like the Citi Flex Pay Plan can offer additional ways to help pay off an unexpected purchase.

Learn more: Why you should use the Citi Diamond Preferred Card for balance transfers

Alternative: The Bank of America® Customized Cash Rewards credit card has a lower balance transfer fee (3% Intro balance transfer fee for 60 days from account opening, then 4%)

Pros

This card’s ongoing APR could end up on the low side, helping people mitigate interest charges after the intro offer ends.

Citi offers a number of lucrative rewards cards you may be able to switch to after you pay off debt with the Diamond Preferred.

Cons

It doesn’t come with rewards, which limits its long-term value, but may not be a deal-breaker for people focusing on paying down debt.

This card’s fees include a 5 percent balance transfer fee ($5 minimum), which is higher than a lot of other cards’.