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- No annual fee
This card is for people who want maximum cash back with zero maintenance. Every purchase earns 1% up front and another 1% as you pay, with no caps or categories. There is no annual fee, and balance transfers get 0% for 18 months. The caveat: a 3% foreign transaction fee makes it a poor travel companion abroad.
- No annual fee
Discover it Cash Back is for people who will activate a quarterly category and want an outsized first year. You earn 5% in rotating categories on up to $1,500 in purchases each quarter when you activate, and 1% on everything else. At the end of your first year, Discover matches every dollar of cash back you earned. There is no annual fee. The caveat: the 5% requires activation each quarter and stops at the cap.
- No annual fee
This card is for people who want one number: 2% back on everything, forever, with no annual fee. The $100 bonus requires only $500 in purchases in three months, one of the lowest hurdles among major cards. It also carries a 12-month 0% intro APR on purchases and qualifying balance transfers. The caveat is the 3% foreign transaction fee: leave it home when traveling abroad.
This card is for people who want one no-fee card that earns on everything. Every purchase pays at least 1.5%, dining and drugstores pay 3%, and Chase Travel bookings pay 5%. New cardmembers get a $200 bonus after $500 in spend and 0% intro APR for 15 months on purchases and balance transfers. The 3% foreign transaction fee makes it a poor card to take abroad.
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.
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.
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.
For small business owners who want one flat rate on every business purchase with nothing to track. It earns unlimited 2% cash rewards, has no annual fee, adds employee cards at no additional cost, and gives 0% intro APR on purchases for 12 months from account opening. The welcome offer is $500 after $5,000 in business purchases in the first 3 months. The caveat: a 3% foreign transaction fee on each transaction converted to U.S. dollars makes it a poor fit for buying abroad.
This card is for someone paying down a balance or spreading out a large purchase. It gives 0% intro APR for 21 months from account opening on purchases and on balance transfers made within 120 days, with no annual fee. It also includes up to $600 of cell phone protection against damage or theft, subject to a $25 deductible. The caveat: it earns no rewards, and each balance transfer costs 5% (minimum $5).
