• One-time $150 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
  • 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 for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
15 Months 15 Months
0% 15.74% - 25.74%* 0% 15.74% - 25.74%* $0 GOOD
Variable Variable

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
15 Months 15 Months
0% 15.74% - 25.74%* 0% 15.74% - 25.74%* $0 GOOD
Variable Variable

3. Chase Freedom Unlimited®

Great for simple, unlimited cash back

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. No Annual Fee.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. After that, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
15 Months 15 Months
0%* intro 16.74 - 25.49%* 0%* intro 16.74 - 25.49%* $0 GOOD
Variable Variable

4. Blue Cash Everyday® Card from American Express

Great for grocery shopping on a budget

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. 
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%. 
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018. 
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. 
  • No annual fee. 
  • Terms Apply.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
15 Months 15 Months
0% 14.49% - 25.49%* 0% 14.49% - 25.49%* $0 EXCELLENT
Variable Variable

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
12 Months
0% 13.74% - 23.74%* N/A 13.74% - 23.74%* $0 GOOD
Variable Variable

6. Citi® Double Cash Card

Great for high flat-rate cash back

  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Earn 2% cash back on purchases: 1% when you buy and 1% as you make payments for those purchases.
  • To earn cash back, pay at least the minimum due on time.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
18 Months
N/A 15.49% – 25.49% Variable 0% 15.49% – 25.49% Variable $0 GOOD

7. Blue Cash Preferred® Card from American Express

Great for groceries and gas

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions. 
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49% 
  • $95 annual fee.
  • Terms Apply.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
12 Months 12 Months
0% 14.49% - 25.49%* 0% 14.49% - 25.49%* $95 EXCELLENT
Variable Variable

8. Citi Simplicity® Card

Great for low fees

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
12 Months 21 Months
0% 16.24% - 26.24% Variable 0% 16.24% - 26.24% Variable $0 GOOD

9. Costco Anywhere Visa® Card by Citi

Great for Costco members 

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.
Intro Purchase APR Regular Purchase APR Intro Balance Transfer APR Regular Balance Transfer APR Annual Fee Minimum Credit Needed
N/A 16.74% Variable N/A 16.74% Variable $0 EXCELLENT