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 the best chance to qualify for a 0 percent APR credit card, and an excellent credit score would give you the best odds and rates. You can also find preapproved card offers either through the issuer or Bankrate’s CardMatch. Also, though it's very unlikely that the issuer of your current credit card would cut your APR to 0 percent upon request, you might be able to request a lower rate by contacting your issuer.

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 may 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. 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 May 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//finance//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":null},"program":{"id":50,"name":"Wells Fargo rewards","active_rate":{"id":51,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

BEST LONGEST INTRO APR CARD

Wells Fargo Reflect® Card

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

Apply now

on Wells Fargo's secure site

See Rates & Fees

Good to Excellent (670 – 850)

Recommended Credit

0% intro APR for 21 months from account opening

Purchase intro APR

Regular APR

N/A

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.

Annual fee

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.

Is the Wells Fargo Active Cash worth it?<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

4.3

Bankrate review

Apply now

on Wells Fargo's secure site

See Rates & Fees

Good to Excellent (670 – 850)

Recommended Credit

0% intro APR for 15 months from account opening

Purchase intro APR

Regular APR

Intro offer

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

Rewards rate

Earn unlimited 2% cash rewards on purchases

Annual fee

- 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.

Reasons to get the Capital One VentureOne<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//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":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"95e029c6-4c8b-4978-bdd5-60960fb10868","name":"Miles","type":"tag","image":null,"value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

BEST FOR TRAVEL REWARDS

Capital One VentureOne Rewards Credit Card

4.1

Bankrate review

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on Capital One's secure site

See Rates & Fees

Good to Excellent (670 – 850)

Recommended Credit

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

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

1.25 Miles - 5 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

Annual fee

- 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.

Is the Amex Blue Cash Everyday worth it?<\/a> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//is-blue-cash-everyday-worth-it///">
Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//discover-it-balance-transfer///">Discover it\u00ae Balance Transfer<\/a> card (offer expired)<\/em><\/strong> <\/strong>is a great alternative card that offers a longer intro period on balance transfers, competitive rewards and fewer fees. <\/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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"08288aab-66cb-4c27-8759-67bb4caefb07","name":"Editor's Pick","type":"tag","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"e3fc60c2-9da6-4962-a27d-e7d9488cbe18","name":"Presale Tickets","type":"tag","image":"bb284692903330764acc7c1350a85a42.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

BEST FOR EVERYDAY USE

Blue Cash Everyday® Card from American Express

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 review

Apply now
on American Express's secure site

See Rates & Fees , Terms Apply

Good to Excellent (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.

Recommended Credit

0% on purchases for 15 months

Purchase intro APR

APR

Intro offer

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

1% - 3%

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.

Annual fee

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 Discover it® Balance Transfer card (offer expired) is a great alternative card that offers a longer intro period on balance transfers, competitive rewards and fewer fees.

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.

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//finance//credit-cards//reviews//discover-it-balance-transfer///">Discover it\u00ae Balance Transfer<\/a> (Offer Expired<\/em><\/strong>) card might be the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//discover-it-cash-back-vs-discover-it-balance-transfer///">best alternative<\/a> if you need more time to pay off your transferred balance.  <\/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":null},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"0492fa1d-84a8-493e-a0b2-eebf18ffbefd","name":"Price Protection","type":"tag","image":"962b66cf9ebead0f099a67dad29bc23c.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"5a2b1232-c3af-46ec-b9e9-e6f0e6f28f57","name":"Rotating Cash Back Categories","type":"tag","image":"","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

Best for rotating bonus categories

Discover it® Cash Back

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.

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Good to Excellent (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.

Recommended Credit

0% for 15 months

Purchase intro APR

Regular 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.

1% - 5%

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.

Annual fee

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 offers a solid intro APR on purchases and qualifying balance transfers, making it a top choice in this category. The Discover it® Cash Back is for people who want long-term value with their intro APR card since the card’s quarterly bonus categories typically include everyday purchases like gas, groceries and streaming services.

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

Alternative: The Discover it® Balance Transfer (Offer Expired) card might be the best alternative if you need more time to pay off your transferred balance.

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 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.

No annual fee.

Terms and conditions apply.

Capital One SavorOne benefits guide<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for dining and entertainment

Capital One SavorOne Cash Rewards Credit Card

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.

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on Capital One's secure site

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Good to Excellent (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.

Recommended Credit

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

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

1% - 8%

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

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

Is the Citi Custom Cash worth it?<\/a> Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6c59e82e-fb1b-4aca-8d5b-eef479e37f90","name":"Fair Credit","type":"tag","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

BEST FOR COMMUTERS

Citi Custom Cash® Card

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.

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Good to Excellent (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.

Recommended Credit

0% for 15 months on purchases

Purchase intro APR

Regular APR

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.

1% - 5%

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.

Annual fee

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.

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//finance//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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"5900eb9d-4173-4f4d-9f32-10d5ca28b196","name":"American Express","type":"tag","image":null,"value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

BEST FOR FAMILIES

Blue Cash Preferred® Card from American Express

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.

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Good to Excellent (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.

Recommended Credit

0% on purchases for 12 months

Purchase intro APR

APR

Intro offer

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

1% - 6%

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

Annual fee

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 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%. Variable APRs will not exceed 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 or at Amazon.com checkout.

Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.

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 Preferred® Card. Enrollment required.

Terms Apply.

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//finance//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><div>  <\/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":null},"program":null,"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"359b3d84-5159-4735-a230-3003f76f4d78","name":"Concierge Service","type":"tag","image":"9a88b402c09f511d28190e3d832d539f.png","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"00bbe7db-3636-476a-ba54-abc0f930f4e2","name":"Extended Warranty Program","type":"tag","image":"9cebe165fee20278a857330672d7df78.png","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"08393e8c-655e-47b5-b126-43b3810d5643","name":"Purchase Protection","type":"tag","image":"9524b9f2b1d3c84068061b9c0f720bcd.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d8cff18e-7d0a-4a25-b61e-c3a21ec2dc2d","name":"Travel Accident Insurance","type":"tag","image":"9148b97046b15a99a3744622d7b3b285.png","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

BEST FOR FLEXIBLE SPENDING

Chase Freedom Unlimited®

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.

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Good to Excellent (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.

Recommended Credit

0% Intro APR on Purchases for 15 months

Purchase intro APR

Regular APR

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.

1.5% - 5%

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% on all other purchases

Annual fee

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% 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

Navy Federal Credit Union Visa Signature\u00ae Flagship Rewards card<\/a> has a better rewards rate on travel and everyday purchases.<\/div><div> <\/div>","pros_and_cons_header":"What you should know","pros":["Earns unlimited cash back throughout the year with no category restrictions.","An intro APR makes this a great card for large purchases, especially travel expenses that can help you make the most of the card\u2019s perks."],"cons":["Unlike most competing cash back cards, this card carries no sign-up bonus, limiting its short-term value.","Other cash back cards with higher flat-rate rewards are available."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

BEST FOR active military and veterans

USAA Preferred Cash Rewards Credit Card

Rating: 3.1 stars out of 5

3.1

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.

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See Rates & Fees

Good to Excellent (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.

Recommended Credit

0% intro APR for 15 months on purchases, then 17.15% to 31.15% variable regular APR

Purchase intro APR

Regular APR

N/A

Intro offer

Intro offer is not available for this USAA credit card.

1.5% cash back

Rewards rate

Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.

Annual fee

1.5% cash back Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.

What we love: This card is a great pick for military members, veterans and their families who travel frequently or need a streamlined rewards card. Along with an intro APR on new purchases, the card comes with a decent flat rewards rate and travel perks you won’t find on many no-annual-fee credit cards.

Alternative: The Navy Federal Credit Union Visa Signature® Flagship Rewards card has a better rewards rate on travel and everyday purchases.

Pros

Earns unlimited cash back throughout the year with no category restrictions.

An intro APR makes this a great card for large purchases, especially travel expenses that can help you make the most of the card’s perks.

Cons

Unlike most competing cash back cards, this card carries no sign-up bonus, limiting its short-term value.

Other cash back cards with higher flat-rate rewards are available.

Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.

Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.

Intro Offer: Get a 0% intro APR for 15 months on purchases. After this time, the variable regular APR of 17.15% to 31.15% will apply to these introductory balances.

A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.

No annual fee.

Cash back rewards never expire.

Redeem cash back your way, on your schedule.

No foreign transaction fees.

See Rates and Fees for details.

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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"8ac0aaae-3b07-47b8-9ea2-9947cfa47fdf","name":"Flat Rate Rewards","type":"tag","image":null,"value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for Bank of America customers

Bank of America® Unlimited Cash Rewards credit card

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.

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on Bank of America's secure site

Good to Excellent (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.

Recommended Credit

0% Intro APR for 15 billing cycles for purchases

Purchase intro APR

Regular APR

Intro offer

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

1.5%

Rewards rate

Earn unlimited 1.5% cash back on all purchases.

Annual fee

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.

Why the Capital One Quicksilver is a great starter card<\/a> Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for simplicity

Capital One Quicksilver Cash Rewards Credit Card

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.

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See Rates & Fees

Good to Excellent (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.

Recommended Credit

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

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

1.5% - 5%

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

Annual fee

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

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//finance//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><div> <\/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":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"ed4ecc50-5090-47c3-b122-c5175eac146c","name":"Business","type":"tag","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"04fa65ee-ccb5-4391-8415-2b2ca6a96221","name":"Chase","type":"tag","image":null,"value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'zero-interest' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

Best for business purchases

Ink Business Unlimited® Credit Card

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 review

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on Chase's secure site

Good to Excellent (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.

Recommended Credit

0% Intro APR on Purchases for 12 Months

Purchase intro APR

Regular APR

Intro offer

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

1.5%

Rewards rate

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

Annual fee

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

BEST FOR SHOPPING

Bank of America® Customized Cash Rewards credit card

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.

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