Best Cards for October 2026
Choosing your perfect credit card just got easier. We have rounded up the top options from our partners for consumers with good to excellent credit (a score 670-850*).
Best Overall
Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
Citi® Diamond Preferred® Card
Intro APR
0% intro APR for 12 months on Purchases0% intro APR for 21 months on Balance Transfers
Regular APR
16.74% – 27.49% (Variable)Our Take
This card offers one of the longest introductory balance transfer periods available, giving you more time to pay down debt. Plus, you’ll enjoy a generous intro apr on purchases and no annual fee.Welcome Bonus
N/ARewards
N/AAnnual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
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Critic's Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Review to learn more.Card Details From Issuer
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% – 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Apply Now
On Citi®'s secure site
Great For Choosing Your Top Category
Bank of America® Customized Cash Rewards credit card
Apply Now
On Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles for purchases0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.74% – 27.74% Variable APRWelcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account openingCash Back
1% – 6% 6% cash back for the first year 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.After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
Annual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
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Critic's Overview
The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees especially if you’re looking for a generous intro APR. With an easy to achieve intro bonus and fantastic ongoing cash back rewards, it checks all the important boxes. Read our in-depth Review to learn more.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 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy – from gifts to groceries – BofA Rewards™ members earn more cash back.
- 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 Variable APR that’s currently 17.74% – 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Updated October 1, 2026
Apply Now
On Bank of America's secure site
Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Intro APR
0% intro APR on purchases for 12 months from the date of account opening0% intro APR on balance transfers for 12 months from the date of account opening
Regular APR
19.74%-28.74% VariableOur Take
This top-rated cash back card is tailored to families with elevated cash back rates at U.S. supermarkets & gas stations, on streaming services and a whole lot more. It also offers a very generous welcome offer and a substantial list of additional perks and statement credit opportunities worth taking advantage of. There is a $0 intro annual fee for the first year, then $95.Welcome Offer
As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.Rewards
1% – 6% Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Earn 1% cash back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Annual Fee
$0 intro annual fee for the first year, then $95.Recommended Credit Score
Good – Excellent
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Critic's Overview
If you are looking for a well-rounded card that makes it easy to rack up cash back rewards while saving on interest look no further. With incredible cash back rates at U.S. supermarkets, select streaming services, U.S. gas stations, and for transit purchases, 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 though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week the cash back earned will justify the cost of the annual fee. Read our in-depth Review to learn more.Card Details From Issuer
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Apply Now
On American Express' secure site
Low Intro APR Through 2027 & Cash Back
Discover it® Cash Back
Intro APR
0% Intro APR on purchases for 15 months0% Intro APR on balance transfers for 15 months; balance transfer fee applies
Regular APR
17.74% – 26.74% (Variable)Our Take
This cash back card offers a unique opportunity to earn an unlimited cash back offer at the end of your first year. If you take advantage of the elevated cash back rate on rotating categories, this end-of-year offer will really add up. It also offers a generous intro APR on purchases and balance transfers and charges no annual fee, making it a well-rounded option.Welcome Offer
Unlimited Cashback Match™ Earn Unlimited Cashback Match™ INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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 $300Cash Back
1% – 5% 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.Annual Fee
$0Recommended Credit Score
Excellent, Good (670 – 850*)
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Critic's Overview
This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back offer at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Review to learn more.Card Details From Issuer
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% – 26.74% Standard Variable Purchase APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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
- Redeem cash back for any amount. No annual fee
- Terms and conditions apply
Updated October 1, 2026
Apply Now
On Capital One's secure site
Best for Low APR & Travel
Capital One VentureOne Rewards Credit Card
Intro APR
0% intro on purchases for 15 months0% intro on balance transfers for 15 months; Balance transfer fee applies
Regular APR
18.74% – 28.74% (Variable)Our Take
The Capital One VentureOne Rewards Credit Card is an excellent choice for travelers who are looking to keep it simple. Since it’s a no annual fee card, it doesn’t offer premium travel perks, but comes with added protections that will be useful on your trips and will earn you valuable rewards that can be transferred to several airline and hotel partners.Welcome Offer
$200 Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travelRewards
1.25X – 5X Earn unlimited 1.25X miles on every purchase, every day.Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Annual Fee
$0Recommended Credit Score
Excellent, Good (670 – 850*)
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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 VentureOne Rewards Credit Card is a top option to consider. To start, there is an easy to earn welcome offer opportunity and a generous intro APR. You will also earn an unlimited 1.25X on every purchase made and an elevated rate on hotels, vacation rentals and rental cars booked through Capital One Travel. Read our in-depth Review to learn more.Card Details From Issuer
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- 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, vacation rentals and rental cars booked through Capital One Travel
- 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 15 months; 18.74% – 28.74% variable APR after that; balance transfer fee applies
- Top rated mobile app
Apply Now
On Capital One's secure site
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Wells Fargo Reflect® Card
Intro APR
0% intro APR for 21 months from account opening on purchases0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APROur Take
This card from Wells Fargo is a standout option for consumers looking to pay less interest on upcoming purchases or wanting to transfer a balance from existing cards with high interest rates. It offers one of the longest intro APR periods available on both purchases and qualifying balance transfers and charges no annual fee.Welcome Bonus
N/ACash Rewards
N/AAnnual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
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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 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 Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this 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. 17.74%, 24.24%, or 28.49% 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.
Apply Now
On Wells Fargo's secure site
Low Intro APR for 18 Months on Balance Transfers
Discover it® Chrome
Intro APR
0% Intro APR on purchases for 6 months0% Intro APR on balance transfers for 18 months; balance transfer fee applies
Regular APR
17.74% – 26.74% (Variable)Our Take
This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. It will appeal to those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straightforward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is also a nice welcome offer to look forward to.Welcome Offer
Unlimited Cashback Match™ Earn Unlimited Cashback Match™ INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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 $300Cash Back
1% – 2% Earn 2% Cash Back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% Cash Back on all other purchases.Annual Fee
$0Recommended Credit Score
Excellent, Good (670 – 850*)
Show More Card Details +
Critic's Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique welcome offer. Read our in-depth Review to learn more.Card Details From Issuer
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% – 26.74% Standard Variable APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases
- Redeem cash back for any amount
- No annual fee
- Terms and conditions apply
Updated October 1, 2026
Apply Now
On Capital One'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.