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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)
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on Discover's secure site

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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.

Best for rotating categories

Discover it® Cash Back

Cardholder rating

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4.2

Bankrate score

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

on Discover's secure site

See Rates & Fees

Intro offer

Cashback Match

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

18.24% - 27.24% Variable APR

Why you'll like this: The Discover it® Cash Back is great for cardholders who have the flexibility to follow Discover’s rotating rewards calendar throughout the year.

Best for travel

Discover it® Miles

Bankrate score

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3.9
Bankrate review
Recommended credit score:(670 - 850)
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on Discover's secure site

See Rates & Fees

Intro offer

Discover Match®

Rewards rate

1.5X

Annual fee

$0

Regular APR

18.24% - 27.24% Variable APR

Why you'll like this: If you prefer more flexibility than some rival cards offer, you can redeem your miles for cash back without losing rewards value.

Best for long intro APR

Wells Fargo Reflect® 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

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.

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.

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