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Best for long intro APR

Wells Fargo Reflect® Card

Bankrate score

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

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Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Intro offer

N/A

Rewards rate

N/A

Why you'll like this: It offers perhaps the longest intro APR period available on both new purchases and balance transfers.

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2025 Bankrate Awards Winner

Best standalone rewards card

Chase Freedom Unlimited®

Cardholder rating

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4.3

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)
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on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

19.49% - 28.24% Variable

Intro offer

Up to $300 cash back

Rewards rate

1.5% - 5%

Why you'll like this: It’s one of the only cards that offers both a boosted flat rewards rate and bonus rewards in popular categories like dining and travel.

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2025 Bankrate Awards Winner

Best for dining and grocery rewards

Capital One Savor Cash Rewards Credit Card

Cardholder rating

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4.4

Bankrate score

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5.0
Bankrate review
Recommended credit score:(670 - 850)
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on Capital One's secure site

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Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.24% - 29.24% (Variable)

Intro offer

Earn $200 Cash Back

Rewards rate

1% - 8%

Why you'll like this: It holds great long-term value as one of the only cards that earns rewards at such a high rate at both grocery stores and restaurants.

Best for simplicity

Wells Fargo Active Cash® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

$200 cash rewards

Rewards rate

2%

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Why you'll like this: It’s one of the easiest flat-rate rewards cards to use thanks to its well-rounded features and unlimited 2 percent cash rewards with no strings attached.

Best for balance transfers

Discover it® Chrome

Cardholder rating

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4.4

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Discover's secure site

See Rates & Fees

Balance transfer intro APR

0% for 18 months

Regular APR

18.24% - 27.24% Variable APR

Rewards rate

1% - 2%

Annual fee

$0

Why you'll like this: It’s a great option if you need to pay off a balance but still want to earn rewards and use your card abroad.

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