Savvy consumers understand that it is important to reevaluate your credit card options regularly to make sure you are maximizing your benefits and minimizing interest payments. Whether you are in the market for a cash back, low APR, balance transfer or travel option our critics have you covered. We have highlighted all the important details you will need to make sure you find the right card for your needs. If you have good to excellent credit then any of these credit cards from our partners would be a fantastic option.
Wells Fargo Active Cash® Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' 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.670 – 850*
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Wells Fargo Active Cash® Card
This stellar card offers easy to understand, flat rate, cash rewards with an above-average rate of 2% on purchases. Your cash rewards earning potential is unlimited and not constrained by categories or caps like many other cards. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $500 in purchases in the first three months after you are approved. This card also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR. Another unique perk offered is cell phone protection. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible). You would think all of these amazing perks would come at a cost, but that’s not the case as there is a $0 annual fee.
Wells Fargo Autograph℠ Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. For a limited time, you will earn 30,000 bonus points (a $300 cash redemption value) when you spend $1,500 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 popular 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.670 – 850*
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 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. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Wells Fargo Autograph℠ Card
This card is an excellent option for those looking for a $0 annual fee rewards card. For a limited time, new card members will earn a massive 30,000-point welcome bonus after spending $1,500 in the first three months. This impressive bonus has a $300 cash redemption value! As for ongoing rewards, you will earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on all of your other purchases. In addition to the cash redemption option, you can also redeem your rewards for travel, gift cards, and more. There is also a generous intro APR on purchases and many other premium benefits.
Discover it® Balance Transfer
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- 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.
- No annual fee.
- Terms and conditions apply.
Discover it® Balance Transfer
The Discover it® Balance Transfer card is a very well-rounded option as it offers a 0% Intro APR on balance transfers for 18 months, then 17.24% – 28.24% Variable APR as well as fantastic cash back rewards. You will earn 5% back on everyday purchases at different places each quarter like grocery stores, restaurants and gas stations (up to $1,500 in combined purchases each quarter you activate, then you earn 1%) and 1% back on all of your other purchases. The unlimited cash back match bonus is what really sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus. It is easy and can be very lucrative if you use your card regularly and take advantage of the 5% categories. All of these amazing perks and a $0 annual fee.
Wells Fargo Reflect® Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' 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 and you 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.670 – 850*
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. 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.
Wells Fargo Reflect® Card
This card from Wells Fargo is a CardCritics favorite in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a balance transfer fee (5%; min: $5). If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. 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.
Bank of America® Travel Rewards credit card
Apply Now
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' 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 generous 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 as long as your account remains open.
- 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 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- If you’re a Bank of America 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.
Bank of America® Travel Rewards credit card
If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Capital One Venture Rewards Credit Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
There’s a good reason this travel card continually receives rave reviews. It offers a generous and uncomplicated flat rate on all purchases and an elevated rate on hotels and rental cars booked through Capital One Travel. If the massive welcome bonus doesn’t convince you then the ongoing rewards and perks surely will. Read our in-depth Critical Analysis to learn more.Card Details From Issuer
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- 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
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Capital One Venture Rewards Credit Card
There are a ton of options in the market today for travel rewards cards, but the Capital One Venture Rewards Credit Card is one you should seriously consider. You will earn rewards quickly with unlimited 2x miles per dollar on all purchases and 5x miles per dollar when you book your car rentals and hotel stays through Capital One Travel. The Venture Rewards Card currently has a generous welcome offer of 75,000 miles after spending $4,000 within the first 3 months, which will give you at least $750 in travel value. The $95 annual fee grants you access to premium travel benefits like lounge access, Hertz Five Star status, a credit for Global Entry or TSA Precheck and pay no foreign transaction fees. While you’ll get the most out of your miles by redeeming them for travel, there are several other options to cash in your rewards making it an extremely flexible program and one of the best travel rewards programs out there with over 15 direct transfer partners. A 19.99% – 29.99% (Variable) APR will apply to purchases and balance transfers.
If you have not applied for a new card recently then you are likely missing out on premium perks. With incredible welcome offers, long intro APR periods and lucrative ongoing rewards to choose from, it is easy to see why it is a great time to apply for a new card.
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.
