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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

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Intro offer

$200 Cash Back

Rewards rate

1% - 8%

Annual fee

$0

Regular APR

19.49% - 29.49% (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)
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on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

19.74% - 28.49% 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 Groceries

Blue Cash Preferred® Card from American Express

Bankrate score

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4.4
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 $250

Rewards rate

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

18.24%-29.24% Variable

BEST FOR EVERYDAY CASH REWARDS

Wells Fargo Active Cash® 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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Intro offer

$200 cash rewards

Rewards rate

2%

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Bankrate score

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

Intro offer

60,000 bonus points

Rewards rate

1x - 5x

Annual fee

$95

Regular APR

20.74% - 27.74% Variable

Best for Long Intro APRs

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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Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.49%, 23.99%, or 29.24% Variable APR

Rewards rate

N/A

Annual fee

$0

Best for balance transfers

Citi Double Cash® Card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
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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 everyday spending

Blue Cash Everyday® Card from American Express

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn $200

Rewards rate

1% - 3%

Annual fee

$0

APR

18.24%-29.24% Variable

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

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