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.
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
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

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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.
Purchase & Balance Transfer APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then 16.49%, 21.49%, or 26.49% variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
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 16.49%, 21.49%, or 26.49% 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select “Apply Now” to learn more about the product features, terms and conditions
Apply Now
On Wells Fargo’s Secure site
Purchase APR
0% intro APR for 12 months, then 15.49%-25.49% Variable
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.

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Critics’ Overview
If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and even though there is an annual fee the bonus and ongoing rewards quickly offset it. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.
Purchase APR
0% intro APR for 12 months, then 15.49%-25.49% Variable
Balance Transfer APR
No Balance Transfer Option
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%
- 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.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- $95 Annual Fee.
- Terms Apply.
Apply Now
On American Express’ Secure site
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
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

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Updated June 9, 2022
Critics’ Overview
The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees. With an easy to achieve intro bonus, fantastic ongoing cash back rewards and very generous intro-APR periods for purchases and balance transfers, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.
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
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 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, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- 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.
Apply Now
On Bank of America®’s Secure site
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
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics’ Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous 0% 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.
Purchase & Balance Transfer APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 14.49%-26.49% variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% 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 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 earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select “Apply Now” to learn more about the product features, terms and conditions
Apply Now
On Wells Fargo’s Secure site
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
Recommended Credit Score
Excellent/Good
670- 850*
Intro Bonus
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening

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Updated June 9, 2022
Critics’ Overview
This low APR card is unlike any other we have seen as it offers a $100 statement credit to those who make at least $1,000 in purchases in the first 90 days of account opening. You will also pay no annual fee and save money on interest with a very generous intro APR offer.
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
Recommended Credit Score
Excellent/Good (670- 850*)
Card Details From Issuer
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 13.74% – 23.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
Apply Now
On Bank of America®’s Secure site
Purchase APR
16.74% – 23.74% Variable
Balance Transfer APR
16.74% – 23.74% Variable
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®.

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Critics’ Overview
This premium travel card is offering an incredible bonus point opportunity, fantastic ongoing rewards, a long list of travel benefits and protections and extremely flexible redemption options. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
16.74% – 23.74% Variable
Recommended Credit Score
Good – Excellent (670- 850*)
Card Details From Issuer
- 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®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Apply Now
On Chase’s Secure site
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
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.

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Critics’ 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.
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
Recommended Credit Score
Excellent/Good (670 – 850*)
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.
- New Intro APR: 0% intro APR for 15 months on purchases. Then 13.49% – 24.49% Standard Variable Purchase APR will apply.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- 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 “Apply Now” to see terms and conditions.
Apply Now
On Discover’s Secure site
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.