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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.

The Blue Cash Preferred holds the highest grocery rate among major cards: 6% at U.S. supermarkets on up to $6,000 per year, plus 6% on select U.S. streaming subscriptions and 3% on transit and U.S. gas. The annual fee is $0 intro for the first year, then $95, and a family spending $6,000 at supermarkets earns $360 at the 6% rate alone. A 0% intro APR for 12 months covers purchases and balance transfers. Light grocery spenders should take the fee-free Blue Cash Everyday instead.

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 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.

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).

For people who spend most in one area and are happy to pick it. You choose one category (gas and EV charging, online shopping, dining, travel, drug stores, or home improvement) for 6% cash back in the first year, then 3%, and get 2% at grocery stores and wholesale clubs. One category at a time, up to $2,500 in combined choice and grocery purchases each quarter, then 1%. No annual fee, and 0% intro APR for 15 billing cycles. The caveat: the quarterly cap limits big spenders, and a 3% foreign transaction fee makes it a poor card abroad.