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Best for everyday spending

Blue Cash Everyday® Card from American Express

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn $200

Rewards rate

1% - 3%

Annual fee

$0

APR

18.49%-29.49% Variable

Why you'll like this: Its everyday bonus categories, online shopping rewards and exceptional credits make it a terrific standalone option.

Best for dining and entertainment

Capital One Savor Cash Rewards Credit Card

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

See Rates & Fees

Intro offer

$250 Cash Back

Rewards rate

1% - 8%

Annual fee

$0

Regular APR

19.74% - 29.74% (Variable)

Why you'll like this: Along with its hard-to-find entertainment category, it earns rewards in lucrative everyday spending categories.

Best standalone rewards card

Chase Freedom Unlimited®

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

19.99% - 28.74% 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.

Best for beginners

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

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3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$200

Rewards rate

1.5% - 5%

Annual fee

$0

Regular APR

19.74% - 29.74% (Variable)

Why you'll like this: Its low cost and streamlined rewards program make it a great fit if you want a low-risk, low-maintenance card.

Best for balance transfers

Citi Double Cash® Card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Citi's secure site

See Rates & Fees

Intro offer

$200 cash back

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

18.49% - 28.49% (Variable)

Why you'll like this: Its top-tier flat rewards rate and remarkable intro APR offer make it useful as both a balance transfer card and an all-purpose rewards card.

Best for dining, food and travel

American Express® Gold Card

Bankrate score

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4.9
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

60,000 points

Rewards Rate

1X - 4X

Annual fee

$325

APR

See Pay Over Time APR

Best for custom bonus category

Citi Custom Cash® Card

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Citi's secure site

See Rates & Fees

Intro offer

$200

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

18.49% - 28.49% (Variable)

Why you'll like this: It boasts one of the most flexible cash back rewards structures, as you can earn elevated cash back in your top eligible spending category each billing cycle.

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