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Top picks
The options we would actually recommend this week.
Sapphire Preferred
- ✓5x points on travel booked through Chase Travel
- ✓3x points on dining, gas and EV charging, vacation home rentals, select streaming, and online groceries
- ✓$100 annual Chase Travel hotel credit and up to $120 Global Entry or TSA PreCheck credit; points transfer to airline and hotel partners
- ✗$95 annual fee
#2 PickVenture X
- ✓$300 annual travel credit through Capital One Travel
- ✓10,000 anniversary bonus miles each year (worth $100+)
- ✓Airport lounge access (Capital One and Priority Pass)
- ✗$395 annual fee, largely offset by $300 credit + 10k miles
#3 PickVenture Rewards
- ✓Unlimited 2x miles on all purchases; 5x via Capital One Travel
- ✓Miles transfer to 15+ travel partners
- ✓Up to $120 credit for Global Entry or TSA PreCheck
- ✗$95 annual fee
Active Cash
- ✓Unlimited 2% cash rewards on purchases
- ✓No annual fee
- ✓Intro 0% APR on purchases and qualifying balance transfers (12 months)
Freedom Unlimited
- ✓5% on travel booked through Chase Travel
- ✓3% on dining and drugstores
- ✓1.5% on all other purchases; no annual fee
Double Cash
- ✓1% when you buy and 1% as you pay it off
- ✓No annual fee
- ✓18-month intro 0% APR window for balance transfers
- ✗No intro 0% APR on purchases
See all credit cards rankings →
See your annual rewards on the right card.
A card matched to your actual spending pays you back two to five times what the average cardholder earns. Plug in your annual spend and see.
Your annual card spendingQuick comparison
| Provider | Rate | Best for | Score | |
|---|---|---|---|---|
| | 5x travel via Chase, 3x dining, gas, and EV charging | Best for travel rewards | 9.4/10 | View offer |
| Capital One | 2x miles, 10x hotels via portal | Best premium travel card | 9.3/10 | View offer |
| Capital One | 2x miles on every purchase, 5x via Capital One Travel | Best for simple travel miles | 9.2/10 | View offer |
| | 2% cash back on everything | Best flat-rate cash back | 9.1/10 | View offer |
| | 1.5% base, 3% dining/drugstores, 5% Chase travel | Best for everyday spend | 9/10 | View offer |
| | 2% (1% buy + 1% pay) | Best for flat cash back plus transfers | 9/10 | View offer |
Guides
Read before you apply.
How to Build Credit from Scratch
Starting from zero credit takes the right product and a few months of boring, on-time behavior. Here is the fastest path from no score to good credit.
Balance Transfer Credit Cards: Complete Guide
A balance transfer moves high-rate debt onto a 0% intro APR card and saves hundreds in interest. Here is how to find the best offer, run the transfer, and clear the debt before the clock runs out.
Credit Score Explained: What It Is and How It Works
Your credit score shapes loans, credit cards, apartment applications, and sometimes jobs. Here is what the number actually is, how it is built, and how to push yours up.
How to Maximize Credit Card Rewards
Earning rewards is easy. Maxing them takes a plan. Here is how to squeeze the most points, miles, and cash back out of every dollar you spend.
Latest
Latest in Credit Cards
That $95 Annual Fee Isn't Final When It Posts. Here's Your Window to Get It Back.
Federal rules make card issuers warn you before an annual fee renews and reverse it if you cancel in time. Amex refunds it for 30 days after the statement. CFPB data shows big issuers charge a fee on 25% of their card plans versus 4% at smaller issuers. Here's the move before your anniversary.
Credit Score 620 to 719? The Biggest Card Issuers' Median APR Is 28.49%. Smaller Banks and Credit Unions Charge 15.99%.
We counted the CFPB's latest card-terms survey. For new accounts opened by people with scores from 620 to 719, the median purchase APR across big-issuer card plans was 28.49%, against 15.99% at smaller banks and credit unions. On a $5,000 balance that's roughly $625 a year. Here's how to check which side of that line your card sits on.
Your Dentist Can't Sign You Up for a 32.99% Card in the Chair. In Connecticut, That Starts January 1.
Connecticut's Public Act 26-6 takes effect January 1, 2027. Doctors, dentists and vets can't fill out medical credit card applications for you, pitch them while you're sedated, or take a cut for pushing them. The deferred-interest math the law is about: miss a 12-month promo on $3,000 by $120 and you owe roughly $550 in back interest.
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Find the right credit cards for your situation.
Credit card questions, answered.
How do credit card rewards actually work?
Rewards cards earn points, miles, or cash back on every dollar you spend. Rates are written as a multiplier: 2x means 2 points per dollar. The value of a point depends on how you redeem it. Cash back is the simplest version: 2% cash back means $20 back for every $1,000 you charge. The card only pays off if you pay the balance in full every month. Otherwise the APR eats the rewards.
What credit score do I need to get approved for a rewards card?
Most premium rewards cards want a good-to-excellent score, typically 670 or higher by FICO standards. No-annual-fee and balance transfer cards are more forgiving, often approving applicants in the 650 to 680 range. Below 620, look at secured cards first and build the score before chasing rewards.
Is an annual fee credit card worth it?
Do the math. Add up the concrete benefits you will actually use, then subtract the annual fee. If you do not travel or spend in the right categories, a no-fee 2% cash back card usually beats a fee card. The issuer's bet is that you pay the fee and forget to use the perks. Don't let them win.
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