Top Cards for October 2022

has teamed up with CardCritics to make finding the perfect card for you much easier. Consumers with poor or fair credit scores (300-669*) can benefit from a secured card option to help build a credit history. If your credit score falls in the good to excellent range (670 – 850*) then there are many options for you to consider with incredible bonuses, intro APRs and ongoing rewards. We have rounded up the top options from our partners below so no matter what your credit score is, our critics have you covered.

Updated October 3, 2022

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

Rewards
N/A
Top Features
There is no credit check to apply and no interest charges
Annual Fee
$0
Rewards
N/A
Top Features
Build or repair your credit with no hidden fees
Annual Fee
$0-59
Rewards
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.
Annual Fee
$0

Top Cards for Good to Excellent Credit Scores (670-850*)

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
Welcome Bonus
$300 Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value
Annual Fee
$0
Rewards
N/A
Top Features
Very long intro APR on Purchases and Balance Transfers0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 14.99% – 24.99% Variable APR will apply.
Annual Fee
$0
Cash Back
2% Earn unlimited 2% cash rewards on purchases
Welcome Bonus
$200 Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Annual Fee
$0
Cash Back
2% 2% cash back on every purchase with no categories, tiers, or limits
Top Features
Access to World Mastercard Security & Benefits
Annual Fee
$0
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.
Welcome Bonus
$200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards
N/A
Top Features
Generous intro APR on Purchases and Balance Transfers0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 15.99% – 27.99% variable APR
Annual Fee
$0
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
Welcome Bonus
Cashback Match™ Discover will match all the cash back you’ve earned at the end of your first year.
Annual Fee
$0
Cash Back
1% – 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Also, earn unlimited 1% cash back on all other purchases.
Welcome Bonus
$200 Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening.
Annual Fee
$0
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
$350 Earn $350 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee
$95
Cash Back
1% – 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Welcome Bonus
$200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee
$0
Cash Back
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Welcome Bonus
Cashback Match™ Discover will match all the cash back you’ve earned at the end of your first year.
Annual Fee
$0

We dig deeper into each card below.

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

Top Features

There is no credit check to apply, no annual fees or interest charges

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.
Hide All Card Details –
Build Credit With No Hidden Fees
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
  • Get a higher credit line if you’re in good standing after making your first 6 payments on time
  • 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
Hide All Card Details –
Secured Card With Cash Back
Discover it® Secured Credit Card
Apply Now
On Discover's secure site

Top Features

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

Purchase APR

25.99% Variable APR
Apply Now
On Discover's secure site

Cash Back

1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.

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

Annual Fee

$0

Recommended Credit Score

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

Critic’s Overview

This no annual fee secured card allows you to earn cash back while you build your credit with responsible use. The cash back you earn your first year will also be matched automatically and they begin reviewing your account after seven months to see if you are eligible to transition to an account without a security deposit.

Card Details From Issuer

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • 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.
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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 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value

Purchase APR

0% intro APR for 12 months from account opening followed by a 17.99%, 22.99%, or 27.99% 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 new rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You can start by earning 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 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 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. 17.99%, 22.99%, or 27.99% 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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Incredibly Long Intro APR on Purchases & Balance Transfers
BankAmericard® credit card
Apply Now
On Bank of America®'s secure site

Welcome Bonus

N/A

Purchase & Balance Transfer APR

0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 14.99% – 24.99% Variable APR will apply.
Apply Now
On Bank of America®'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 low APR card is a straightforward option for those looking to save money on interest on purchases and balance transfers. You will also pay no annual fee and paying late won’t automatically raise your interest rate.

Card Details From Issuer

  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.99% – 24.99% 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.
Updated October 3, 2022
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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 17.99%, 22.99%, or 27.99% 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 17.99%, 22.99%, or 27.99% 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 –
Choose Your 3% Category & Generous Intro APR
Bank of America® Customized Cash Rewards credit card
Apply Now
On Bank of America®'s secure site

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

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 16.99% – 26.99% Variable APR will apply.
Apply Now
On Bank of America®'s secure site

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.

Annual Fee

$0

Recommended Credit Score

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

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 Critical Analysis 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 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 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • New longer intro period! 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, 16.99% – 26.99% 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.
Updated October 3, 2022
Hide All Card Details –
Long Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Apply Now
On Wells Fargo's secure site

Welcome Bonus

N/A

Purchase & Balance Transfer APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 15.99% – 27.99% 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 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. 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. 15.99% to 27.99% 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
  • 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
Hide All Card Details –
Amazing First Year Bonus
Discover it® Cash Back
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 and on balance transfers for 15 months, then 14.99% – 25.99% 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 is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus 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 Critical Analysis to learn more.

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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click “Apply Now” to see terms and conditions.
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Put your Cash Back On Auto-Pilot
Citi Custom Cash℠ Card
Apply Now
On Citi®'s secure site

Welcome Bonus

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening.

Purchase & Balance Transfer APR

0% intro APR for 15 months on Purchases and Balance Transfers, then 16.99% – 26.99% (Variable)
Apply Now
On Citi®'s secure site

Cash Back

1% – 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Also, earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Recommended Credit Score

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

Critic’s Overview

This extremely flexible cash back card from Citi, an advertising partner, makes it easy to rack up big-time rewards. You will earn 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent). The great thing is that you don’t have to choose your bonus category ahead of time because your earn adjusts automatically based on your spending. You will earn 1% on all other purchases, have a chance to earn a significant cash back intro bonus and save money with a generous intro APR period on both purchases and balance transfers.

Card Details From Issuer

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% – 26.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Hide All Card Details –
Earn Big on Groceries & Gas
Blue Cash Preferred® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn $350 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 12 months, then 16.99%-27.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

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.

Annual Fee

$95

Recommended Credit Score

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

Critic’s 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.

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.
  • Balance Transfer is back! 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 16.99%-27.99%.
  • 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 It fees on plans created during the first 12 months from the date of 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.
  • 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.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • $95 Annual Fee.
  • Terms Apply.
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Great for Gas & Groceries with $0 Annual Fee
Blue Cash Everyday® Card from American Express
Apply Now
On American Express' secure site

Welcome Bonus

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Purchase & Balance Transfer APR

0% intro APR on purchases and on balance transfers for 15 months, then 16.99%-27.99% Variable APR
Apply Now
On American Express' secure site
Rates and Fees|Terms Apply

Cash Back

1% – 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

Annual Fee

$0

Recommended Credit Score

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

Critic’s Overview

If an annual fee is a deal breaker for you then the Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a fantastic choice for your cash back needs. This card offers a good balance of ongoing rewards, a lucrative welcome offer and a generous intro APR period on purchases and balance transfers. Round that out with other perks and the card member benefits that American Express is well known for and you have yourself an excellent cash back card. Read our in-depth Critical Analysis to learn more.

Card Details From Issuer

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
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Amazing First Year Bonus
Discover it® chrome
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 and on balance transfers for 15 months, then 14.99% – 25.99% Variable APR
Apply Now
On Discover's secure site

Cash Back

1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.

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

Annual Fee

$0

Recommended Credit Score

Excellent/Good (670 – 850*)
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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 bonus opportunity.

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. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click “Apply Now” 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.