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This card is for patients who need to spread a health or wellness bill over a few months. At CareCredit Network locations, purchases of $200 or more can get no interest if paid in full within 6, 12, 18 or 24 months, and there is no annual fee. The caveat: it is deferred interest, so if the promo balance is not paid in full in time, 32.99% interest is charged from the date of purchase, and a late payment can trigger a 39.99% penalty APR.

This card is for people who buy most of their clothes at Old Navy and the other Gap Inc. brands. It earns 5 points per $1 there, 3 per $1 at other eligible apparel stores and 1 per $1 everywhere else Mastercard is accepted, with no annual fee. Points are worth $1 per 500 and go back to Gap Inc. brands or the Encore Market. The caveat: at 500 points per dollar, spending outside Gap Inc. brands earns the equivalent of 0.2%, and the purchase APR is 33.24% Variable.

This card is for people who shop at Walmart often, above all Walmart+ members. It earns 5% cash back at Walmart with a linked Walmart+ membership, 3% without one, and 1.5% everywhere else Mastercard is accepted, with no annual fee and no foreign transaction fee. You apply on Walmart.com, in the Walmart app or in a store. The caveat: the purchase APR depends on the account type you are approved for, 20.24% or 30.74% Variable, and the higher one erases the rewards on any balance you carry.

This card is for shoppers financing a ring or other larger piece at Zales who can clear it inside a promo window. Plans run from no interest if paid in full within 6 months on $300 or more to 18 months on $4,000 or more, or 16.99% APR for 36 months on $1,500 or more. Every dollar earns 1 Gem in Vault Rewards. The caveat: the no-interest plans are deferred interest with a 2% promotional plan fee, and the purchase APR is 35.99%.

For drivers and families whose biggest costs are fuel, groceries and dining out. It earns 5X points on fuel and EV charging, 3X at supermarkets and restaurants and 1X elsewhere, with no annual fee and no foreign transaction fee. Balance transfers made in the first 60 days get 0% intro APR for 12 months with a 3% fee. PenFed creates your credit union membership during the application. The caveat: points redeem for gift cards, merchandise or travel rather than straight cash, and they expire 5 years from the date earned.

For Navy Federal members who want flat cash back with no annual fee. Every purchase earns 1.5%, or 2% if your approved credit limit is $5,000 or more (the cashRewards Plus version). New accounts can earn $250 after $2,500 in 90 days, and there are no foreign transaction or balance transfer fees. The caveat: you must be a Navy Federal member, which is open to the military, veterans, Department of Defense employees and their immediate family members.

This card is for drivers who fill up at Chevron or Texaco and pay in full. It takes 3¢/gal. off every fill-up, at the pump or as a statement credit, and has no annual fee. It is also accepted at Synchrony Car Care auto merchants, with 6-month promotional financing on purchases of $199 or more. The caveat: 3¢/gal. is a small saving, and any balance costs 33.99%, which quickly outweighs it.

This card is for people who buy a lot on Amazon and want rewards on those purchases or no-interest equal monthly payments on bigger orders. There is no annual fee, and it also works at participating Whole Foods Market stores. The Amazon Prime Store Card version is only for eligible Prime members. The caveat: it works only at Amazon and Whole Foods Market, and any balance outside a promo costs 29.49% Variable.

This card is for homeowners who buy at Lowe's often. Each eligible purchase gets 5% off, or you can pick special financing instead, such as no interest if paid in full within 6 months on $299 or more. New accounts get 20% off the first eligible purchase, up to $100, and there is no annual fee. The caveat: the financing is deferred interest, so if the promo balance is not paid in full in time, interest at 31.99% is charged back to the purchase date, and the card works only at Lowe's.

This card is for people who shop at Target often and pay in full. It takes 5% off at checkout in stores and on Target.com, adds free 2-day shipping on Target.com and 30 extra days for returns, and charges no annual fee. New cardholders get $50 in Target Circle Rewards after spending $50 within 60 days. The caveat: it works only at Target, and the 28.20% Variable purchase APR wipes out the 5% the moment you carry a balance.

For Navy Federal members building or rebuilding credit. You deposit $200 to $5,000 into your membership savings account and that amount becomes your spending limit. Every purchase earns 1% cash back, with no annual fee and no foreign transaction fee. After 6 months Navy Federal reviews the account monthly for an upgrade to an unsecured cashRewards card. The caveat: you need Navy Federal membership, and your deposit stays on hold until the account is upgraded.

For iPhone users who pay with Apple Pay most of the time. Apple Pay purchases earn 2% Daily Cash, everything bought at Apple and Apple Pay purchases at select merchants such as Uber, Walgreens, Nike and Exxon Mobil earn 3%, and the titanium card earns 1%. There are no annual, over-the-limit, foreign-transaction or late fees. The caveat: purchases made with the physical card earn only 1%, and Apple's page shows no sign-up bonus or intro APR.