Critics’ Choice Cards

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.

Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 16.49%, 21.49%, or 26.49% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 16.49%, 21.49%, or 26.49% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
(670 – 850*)
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases
Welcome Bonus
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months


Blue Cash Preferred® Card from American Express

Purchase APR
0% intro APR for 12 months, then 15.49%-25.49% Variable
Balance Transfer APR
N/A
Annual Fee
$95
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% Cash Back on select U.S. streaming subscriptions.

3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

1% Cash Back on other purchases.
Welcome Bonus
Earn $350 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Rates and Fees|Terms Apply

Bank of America® Customized Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.74% – 24.74% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.74% – 24.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 3% 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.

1% cash back on all other purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening


Wells Fargo Reflect℠ Card

Purchase APR
0% intro APR for up to 21 months from account opening on purchases, then 14.49%-26.49% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 14.49%-26.49% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A


BankAmericard® credit card

Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 13.74% – 23.74% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 13.74% – 23.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670- 850*
Cash Back
N/A
Intro Bonus
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening


Chase Sapphire Preferred® Card

Purchase APR
16.74% – 23.74% Variable
Balance Transfer APR
16.74% – 23.74% Variable
Annual Fee
$95
Recommended Credit Score
Good – Excellent
670- 850*
Cash Back
1x – 5x 5x on travel purchased through Chase Ultimate Rewards®

3x on dining, select streaming services and on online groceries (excludes Target, Walmart and wholesale clubs)

2x on all other travel purchases

Plus, earn 1 point per dollar spent on all other purchases
Welcome Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.


Discover it® Miles

Purchase APR
0% Intro APR on purchases for 15 months, then 13.49% – 24.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 13.49% – 24.49% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5x Miles Earn Unlimited 1.5x Miles Per Dollar On All Purchases
Intro Bonus
Discover will match all the Miles you’ve earned at the end of your first year.



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.