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Bankrate score

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4.6
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Bankrate review
Recommended credit score:670 - 850
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on Citi's secure site

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Intro offer

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Earn 60,000 bonus ThankYou® Points

Rewards Rate

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1X - 10X

Annual fee

$95

Regular APR

20.24% - 28.24% (Variable)

Bankrate score

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4.0
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Intro offer

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60,000 bonus points

Rewards Rate

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1X - 5X

Annual fee

$95

Regular APR

20.24%, 25.24%, or 29.24% Variable APR

Bankrate score

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4.6
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Bankrate review
Recommended credit score:670 - 850
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on Citi's secure site

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Intro offer

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100,000 miles

Rewards Rate

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1X - 4X

Annual fee

$595

Regular APR

20.24% - 29.24% (Variable)

Best for gas and transit

Wells Fargo Autograph® Card

Bankrate score

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4.0
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

See Rates & Fees

Intro offer

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20,000 bonus points

Rewards rate

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1X - 3X

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

BEST FOR EVERYDAY CASH REWARDS

Wells Fargo Active Cash® Card

Bankrate score

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4.3
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Intro offer

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$200 cash rewards

Rewards rate

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2%

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Best for flexibility

Citi Custom Cash® Card

Citi Custom Cash® Card

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Bankrate score

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4.4
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Bankrate review
Recommended credit score:670 - 850
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Intro offer

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$200

Rewards rate

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1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% (Variable)

Citi Double Cash® Card

Bankrate score

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4.2
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Bankrate review
Recommended credit score:670 - 850
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on Citi's secure site

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Intro offer

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$200 cash back

Rewards Rate

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2% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% (Variable)

Best for travel sites

One Key™ Card

Bankrate score

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3.8
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Intro offer

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Earn $300 in OneKeyCash™

Rewards rate

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1.5% - 3%

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Best for One Key fans

One Key+™ Card

Bankrate score

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3.9
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

See Rates & Fees

Intro offer

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Earn $400 in OneKeyCash™

Rewards rate

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2% - 3%

Annual fee

$99

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Best for pairing

Chase Freedom Unlimited®

Cardholder rating

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4.3
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Bankrate score

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4.6
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Bankrate review
Recommended credit score:670 - 850
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on Chase's secure site

See Rates & Fees

Intro offer

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Earn $200 cash back

Rewards rate

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1.5% - 5%

Annual fee

$0

Regular APR

18.99% - 28.49% Variable

Why you'll like this: Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack.