Best Cards for March 2023

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Critics’ Choice Cards for March

Navigating the complex and ever-changing marketplace of credit cards can be overwhelming. Our critics know credit cards inside and out and are passionate about connecting you with the right card for your needs. You will find the Critics’ Choice winners from our partners below.

Unlimited 2% Back Plus A Bonus
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Cash Back

2% Earn unlimited 2% cash rewards on purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
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Incredible Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America®'s secure site

Welcome Bonus

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Purchase & Balance Transfer APR

0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Apply Now
On Bank of America®'s secure site

Rewards

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a really long intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% – 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated March 1, 2023
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Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 19.74%, 24.74%, or 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.
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Great for Balance Transfers & Cash Back
Discover it® Balance Transfer
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 16.49% – 27.49% Variable APR
Apply Now
On Discover's secure site

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.
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Incredibly Long 0% Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Apply Now
On Wells Fargo's secure site

Top Feature

Low deductible cell phone protection

Purchase & Balance Transfer APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 17.74% – 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period that can be extended up to 3 months with on-time payments. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions
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Best Low APR & Balance Transfer Cards for March

If you are looking to save money with a generous 0% intro APR period on purchases, balance transfers, or both then the following cards from our partners would all be great options.

Incredibly Long 0% Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Apply Now
On Wells Fargo's secure site

Top Feature

Low deductible cell phone protection

Purchase & Balance Transfer APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 17.74% – 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period that can be extended up to 3 months with on-time payments. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions
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Great for Balance Transfers & Cash Back
Discover it® Balance Transfer
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 16.49% – 27.49% Variable APR
Apply Now
On Discover's secure site

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.
Hide All Card Details –
Incredible Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America®'s secure site

Welcome Bonus

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Purchase & Balance Transfer APR

0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Apply Now
On Bank of America®'s secure site

Rewards

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a really long intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% – 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated March 1, 2023
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Top Choice for Balance Transfers
Citi Simplicity® Card
Apply Now
On Citi®'s secure site

Top Feature

No Late Fees, No Penalty Rate, No Annual Fee

Purchase & Balance Transfer APR

0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 18.74% – 29.49% (Variable)
Apply Now
On Citi®'s secure site

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee.

Card Details From Issuer

  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% – 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • Intro balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, whichever is greater.
  • Stay protected with Citi® Quick Lock
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Unlimited 2% Back Plus A Bonus
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Cash Back

2% Earn unlimited 2% cash rewards on purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
Hide All Card Details –
Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 19.74%, 24.74%, or 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.
Hide All Card Details –

Critics’ Choice cards for Poor or Average Credit Scores (300-669*)

If you have poor to average credit there are some great credit card options for you to consider. Most of the cards featured below are focused on helping you build your credit. Some even offer rewards and other useful card features.

Great Option For Those with Poor or Fair Credit
Secured Chime Credit Builder Visa® Credit Card
Apply Now
On Chime's secure site

Top Features

Earn unlimited 1.5% cash back and be automatically considered for a higher credit line in as little as 6 months.

Purchase APR

N/A
Apply Now
On Chime's secure site

Rewards

N/A

Annual Fee

$0

Recommended Credit Score

Poor – Average (300 – 687*)
Show All Card Details +

Critic's Overview

Having less than perfect credit can make many things difficult and working to improve your credit can feel like an extremely daunting task. The Secured Chime Credit Builder Visa® Credit Card helps build your credit history with your own money so you don’t have to worry about going into debt. There is no credit check to apply, no annual fees or interest charges and no minimum security deposit. Eligibility requirements apply. Read our in-depth Critical Analysis for the full terms and to learn more.

Card Details From Issuer

  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
  • No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
  • Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
  • Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
  • Increase your credit score by an average of 30 points, with regular, on-time payments.1
  • Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
  • Live support 24/7 to assist you around the clock.
  • Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
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Add Money, Spend Every Day & Build Credit
Zolve Azpire Credit Builder Card + Checking Account
Apply Now
On Zolve's secure site

Top Features

Build a solid credit score with your own money. No annual fees or interest, no security deposit and no credit checks. Earn up to 10% cashback and get an option to upgrade to a credit card with a limit up to $10,000 in as fast as 4 months. You can add money easily via Cash App, Venmo, Paypal, Zelle or account transfers.

Purchase APR

0%
Apply Now
On Zolve's secure site

Rewards

Up to 10% Up to 10% cash back on 10k+ merchants

Annual Fee

$0

Recommended Credit Score

Poor – Average (300 – 687*)
Show All Card Details +

Critic's Overview

With Zolve Azpire Credit Builder card you can easily build a solid credit score without the hassle of borrowing money just by using your own bank balance. You just have to add money, spend everyday and build your credit score. You can add money easily via Cash App, Venmo, Paypal, Zelle or account transfers. There are no annual fees or interest, no security deposit and no credit checks. Earn up to 10% cashback and get an option to upgrade to a credit card with a limit up to $10,000 in as fast as 4 months.

Card Details From Issuer

  • Add money, spend every day and build your credit score
  • No credit checks, no security deposit & no annual or hidden fees
  • Earn up to 10% cash back at more than 10,000 outlets
  • Credit reporting to all three bureaus: Transunion, Experian & Equifax
  • Upgrade to a credit card with a limit of up to $10,000 in as fast as 4 months
  • Add funds easily via Cash App, Venmo, Zelle, Paypal, or account transfers
  • Get free withdrawals at partner network ATMs
  • 24*7 chat support available
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Earn up to 3% Cash Back while Building Credit
Aspire® Cashback Rewards Credit Card
Apply Now
On The Bank of Missouri's secure site

Top Features

Build a credit score with this unsecured credit card that earns enhanced cash back rewards on every purchase.

Purchase APR

29.9% or 36% variable
Apply Now
On The Bank of Missouri's secure site

Rewards

1% – 3%Earn a 3% cash back reward on eligible gas, grocery, and utility bill payments

Earn a 1% cash back reward on all other eligible purchases of goods and services and payments minus returns and other credits

Annual Fee

As low as $85

Recommended Credit Score

Fair – Poor (520 – 680)
Show All Card Details +

Critic's Overview

The Aspire® Cashback Rewards Credit Card allows you to earn cash back while building your credit score. It offers a simple pre-qualification process to check your suitability for the card with no impact on your credit score. There are no program fees or initial deposits needed to open an account but there is an annual fee as low as $85.

Card Details From Issuer

  • Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
  • Earn a 1% Cash Back Reward on all other eligible purchases‡
  • Up to $1,000 credit limit subject to credit approval*
  • Pre-qualify without affecting your credit score
  • No security deposit
  • Good anywhere Mastercard® is accepted
  • Free access to your credit score †
  • $0 fraud liability**
  • *Pre-qualified means that information in your credit report indicated that you met certain pre-established credit criteria. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 4.0 credit score – provided by TransUnion® is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
  • ‡You will earn a 3% cash back reward on eligible gas, grocery, and utility purchases/payments and you will earn a 1% cash back reward on all other eligible purchases, which are for goods and services minus returns and other credits. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions
  • **Fraud liability subject to Mastercard® rules
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Unsecured Card Option for Improving Credit
Fortiva® Mastercard® Credit Card
Apply Now
On The Bank of Missouri's secure site

Top Features

Improve your credit through responsibly use and on-time payments with this card as it reports to all three major credit bureaus each month.

Purchase APR

29.9% or 36% variable
Apply Now
On The Bank of Missouri's secure site

Rewards

1% – 3%Earn a 3% cash back reward on eligible gas, grocery, and utility bill payments

Earn a 1% cash back reward on all other eligible purchases of goods and services and payments minus returns and other credits

Annual Fee

$49 to $175 the first year; up to $49 thereafter

Recommended Credit Score

Fair – Poor (520 – 680)
Show All Card Details +

Critic's Overview

The Fortiva® Mastercard® Credit Card is suitable for people who want to improve their credit or have low credit scores that do not allow them to qualify for secured credit cards. This card does not require a security deposit but it does have an annual fee of $49-$175 the first year and then up to $49 from the second year on. Since this card reports to all three major credit bureaus each month, it can help you improve your credit score through responsibly use.

Card Details From Issuer

  • Free VantageScore 4.0 (provided by TransUnion®)
  • Reports to all three major credit bureaus
  • Earn a 3% cash back reward on eligible gas, grocery, and utility bill payments
  • Earn a 1% cash back reward on all other eligible purchases of goods and services and payments minus returns and other credits
  • Mobile app available in Apple Store and Google Play
  • Good anywhere Mastercard® is accepted
  • No security deposit
  • $0 fraud liability
Hide All Card Details –
Straightforward Rewards For Building Credit
Capital One QuicksilverOne Cash Rewards Credit Card
Apply Now
On Capital One's secure site

Top Features

Earn unlimited 1.5% cash back and be automatically considered for a higher credit line in as little as 6 months.

Purchase APR

29.99% (Variable)
Apply Now
On Capital One's secure site

Cash Back

1.5% – 5% Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

Annual Fee

$39

Recommended Credit Score

Average, Fair, Limited (580 – 740)
Show All Card Details +

Critic's Overview

This card is a solid pick for those with fair credit looking to improve their scores and earn cash-back rewards in the process. You earn unlimited 1.5% cash back and you get an elevated cash back rate on hotels and rental cars booked through Capital One Travel. This card does come with a $39 annual fee, but the rewards quickly justify this fee.

Card Details From Issuer

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
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Build Credit With as Little as $100
First Latitude Secured MasterCard® Credit Card
Apply Now
On Synovus Bank's secure site

Top Features

With financial responsibility and regular payments, this card can help you build your credit and earn you cash back.

Purchase APR

23.74%
Apply Now
On Synovus Bank's secure site

Rewards

1%1% Cash Back Rewards

Annual Fee

$25 first year, then $35

Recommended Credit Score

New/Rebuilding (300 – 669*) Recommended Credit Score
Show All Card Details +

Critic's Overview

Earn cash back with the First Latitude Secured MasterCard® Credit Card while also building your score. With a $100 security deposit, you will be on your way to improving your credit for a small annual fee of $25 – $35. Cash back rewards will be earned as you make payments to your account and your credit line can be as high as $2,000 with your fully refundable security deposit.

Card Details From Issuer

  • Cash Back Rewards
  • No Credit History or Minimum Credit Score Required
  • Build Your Credit with Only a $100 Refundable Deposit
  • Reports to All Three Major Credit Bureaus
  • Credit Reporting Starts Immediately When Your Account is Opened – Just Pay Your Bill on Time and Continue Establishing Your Credit
  • Easy-to-Use Mobile App
  • Accepted Worldwide and Online
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Build Credit With Clear & Transparent Pricing
Mission Lane Visa® Credit Card
Apply Now
On Mission Lane's secure site

Top Features

With no security deposit required, you can get started building or repairing your credit today.

Purchase APR

26.99% – 29.99% (Variable) APR
Apply Now
On Mission Lane's secure site

Cash Back

N/A

Annual Fee

$0-59

Recommended Credit Score

Poor – Fair (300 – 669*)
Show All Card Details +

Critic's Overview

Many credit builder products require a hefty security deposit, but the Mission Lane Visa® Credit Card will let you get started right away. See if you’ll get approved for a Mission Lane card instantly with no hard credit check and you can be on your way to improving your credit score and building up higher credit limits with no hidden fees.

Card Details From Issuer

  • See if you qualify instantly without harming your credit score
  • Be automatically considered for a higher credit line in as few as 7 months
  • Free, online credit score access for cardholders
  • Instant decision on your application
  • No interest on purchases when you pay in full and on time each month
  • No security deposit required – get started today!
  • All the coverage of Visa®
  • Access your account anytime, anywhere with our mobile app
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1% Cash Back, No Deposit Required
Revvi Visa® Credit Card
Apply Now
On MRV Bank's secure site

Top Features

Make payments and earn rewards all while building your credit. Get started with no deposit required.

Purchase APR

35.99%
Apply Now
On MRV Bank's secure site

Rewards

1%1% Cash Back Rewards on Payments

Annual Fee

$75 first year, then $48

Recommended Credit Score

New/Rebuilding (300 – 669*)
Show All Card Details +

Critic's Overview

The Revvi Visa® Credit Card gives you access to a $300 credit line without requiring a security deposit. Be aware this card comes along with some fees, however its a decent option that will help you build your credit score while also earning 1% cash back as you make on-time payments. After 12 months of on-time payments you will have the ability to increase your credit line and gain some more spending power.

Card Details From Issuer

  • Earn 1% Cash Back Rewards on All Purchases with Revvi!
  • The Perfect Card for Not-So-Perfect Credit
  • Fast and easy application process with a response provided in seconds!
  • Reports to All Three Major Bureaus to Build Your Credit History
  • Eligible for a Credit Line Increase after 12 months of on-time payments!
  • Choose between 2 free card designs and 4 Premium designs
  • Accepted by Merchants Across US & Online
  • Free Credit Monitoring Powered by TransUnion
  • Simple, Powerful Mobile App
  • Revvi Makes Credit Possible
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Good Option For Building Credit
Capital One Platinum Credit Card
Apply Now
On Capital One's secure site

Top Features

Be automatically considered for a higher credit line in as little as 6 months.

Purchase APR

29.99% (Variable)
Apply Now
On Capital One's secure site

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Average, Fair, Limited (580 – 740)
Show All Card Details +

Critic's Overview

This uncomplicated card is a great option for those working on their credit. For no annual fee, it allows you to boost your credit through responsible behavior. You can even earn a chance to increase your credit limit after making on-time payments in as little as six months.

Card Details From Issuer

  • No annual or hidden fees. See if you’re approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
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Boost Your Credit Responsibly
Capital One Platinum Secured Credit Card
Apply Now
On Capital One's secure site

Top Features

Build your credit with a minimal deposit & automatic credit line reviews.

Purchase APR

29.99% (Variable)
Apply Now
On Capital One's secure site

Cash Back

N/A

Annual Fee

$0

Recommended Credit Score

Limited, Bad (300 – 639)
Show All Card Details +

Critic's Overview

This card is a great fit for those who are looking to build their credit with no annual fee. To start, you will put down a refundable security deposit starting at $49 and you will get a $200 initial credit line. This credit line will be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.

Card Details From Issuer

  • No annual or hidden fees. See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
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Best Cash Back Cards for March

Compare cash back credit cards with compelling intro bonuses, fantastic ongoing rewards, 0% intro APRs and much more. These cards from our partners are all very well-rounded options to consider.

Unlimited 2% Back Plus A Bonus
Wells Fargo Active Cash® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Cash Back

2% Earn unlimited 2% cash rewards on purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
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Great for Balance Transfers & Cash Back
Discover it® Balance Transfer
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the cash back you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 16.49% – 27.49% Variable APR
Apply Now
On Discover's secure site

Cash Back

1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.

Card Details From Issuer

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.
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Unlimited 3% Cash Back in Top Categories
Capital One SavorOne Cash Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Purchase & Balance Transfer APR

0% intro on purchases and balance transfers for 15 months, then 19.74% – 29.74% (Variable)
Apply Now
On Capital One's secure site

Cash Back

1% – 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Earn 8% cash back on Capital One Entertainment purchases

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

Earn 1% on all other purchases

Annual Fee

$0

Recommended Credit Score

Excellent, Good (670 – 850*)
Show All Card Details +

Critic's Overview

This stellar card from Capital One is an excellent choice for those who spend regularly in the dining, entertainment, streaming services and grocery categories. There is a lucrative bonus opportunity, a generous intro APR period on purchases and balance transfers and a $0 annual fee. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.74% – 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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Straightforward Cash Back
Capital One Quicksilver Cash Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Purchase & Balance Transfer APR

0% intro on purchases and balance transfers for 15 months, then 19.74% – 29.74% (Variable)
Apply Now
On Capital One's secure site

Cash Back

1.5% – 5% Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

Annual Fee

$0

Recommended Credit Score

Excellent, Good (670 – 850*)
Show All Card Details +

Critic's Overview

This $0 annual fee cash back credit card offers unlimited 1.5% cash back on every purchase making it an excellent, straightforward option for those looking for a flat rate credit card. You will also earn an elevated cash back rate on hotels and rental cars booked through Capital One Travel. There is a generous online cash rewards bonus and a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
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Best Travel Cards for March

Accumulate miles or points as you spend and take that trip you have been dreaming of. These cards from our partners offer incredible perks, bonus opportunities and fantastic ongoing rewards.

Incredible Bonus & Intro APR
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America®'s secure site

Welcome Bonus

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Purchase & Balance Transfer APR

0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Apply Now
On Bank of America®'s secure site

Rewards

1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a really long intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.

Card Details From Issuer

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% – 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated March 1, 2023
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Massive Bonus and No Annual Fee
Capital One VentureOne Rewards Credit Card
Apply Now
On Capital One's secure site

Welcome Bonus

Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel

Purchase & Balance Transfer APR

0% intro on purchases and balance transfers for 18 months, then 19.74% – 29.74% (Variable)
Apply Now
On Capital One's secure site

Cash Back

1.25X – 5X Earn unlimited 1.25X miles on every purchase, every day

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Terms apply

Annual Fee

$0

Recommended Credit Score

Excellent, Good (670 – 850*)
Show All Card Details +

Critic's Overview

If you are looking for a travel rewards card that offers big-time benefits without an annual fee then the Capital One Venture Rewards Credit Card is a top option to consider. To start, there is a massive bonus opportunity and an extremely generous intro APR. You will also earn an unlimited 1.25X on every purchase made and an elevated rate on hotels and rental cars booked through Capital One Travel. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.74% – 29.74% variable APR after that; 3% fee on the amounts transferred within the first 18 months
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Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase APR

0% intro APR for 12 months from account opening followed by a 19.74%, 24.74%, or 29.74% variable APR
Apply Now
On Wells Fargo's secure site

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You will earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.
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Double Your Miles Your First Year
Discover it® Miles
Apply Now
On Discover's secure site

Welcome Bonus

Discover will match all the Miles you’ve earned at the end of your first year.

Purchase & Balance Transfer APR

0% Intro APR on purchases and on balance transfers for 15 months, then 16.49% – 27.49% Variable APR
Apply Now
On Discover's secure site

Rewards

1.5x Miles Earn Unlimited 1.5x Miles Per Dollar On All Purchases

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
Show All Card Details +

Critic's Overview

A fantastic travel card that pays an unlimited 1.5 miles for every dollar spent and has no annual fee. Double all of the miles you earn your first year with their unique bonus opportunity and save with a generous intro APR period on purchases and balance transfers as well.

Card Details From Issuer

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Click through to Discover’s website to see terms and conditions.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.