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How we rank: Products are ranked by credit score fit, rates, fees, and features — not by commission size. See full methodology →
Editor's Pick
Chase Sapphire Preferred® Card
Chase Bank · Visa Signature
Best Travel Card
60,000 Bonus Points
Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months. That's worth $750 when redeemed through Chase Travel℠.
3x points on dining worldwide
3x points on online grocery purchases
2x points on all other travel
$50 annual hotel credit via Chase Travel
No foreign transaction fees
Transfer to 14 airline & hotel partners
WiseIQ may earn a referral fee if you apply and are approved. Rates and terms subject to change.
Discover it® Cash Back
Discover · Discover Network
Cashback Match™ First Year
Discover automatically matches all the cash back you've earned at the end of your first year — effectively doubling your first-year rewards.
5% cash back on rotating categories
1% cash back on all other purchases
Cashback Match™ at end of year 1
No annual fee, ever
Free FICO® Credit Score
No foreign transaction fee
WiseIQ may earn a referral fee if you apply and are approved.
Capital One Venture X Rewards
Capital One · Visa Infinite
75,000 Miles Welcome Bonus
Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months — worth $750 in travel.
10x miles on hotels & rental cars via Capital One Travel
5x miles on flights via Capital One Travel
2x miles on all other purchases
$300 annual travel credit
Airport lounge access (Priority Pass)
Global Entry/TSA PreCheck credit
WiseIQ may earn a referral fee if you apply and are approved.
Citi Double Cash® Card
Citi · Mastercard
2% Cash Back on Everything
Earn 1% when you buy, plus 1% when you pay — making it one of the simplest and most rewarding cards available.
2% cash back on all purchases
No category restrictions
No annual fee
0% intro APR on balance transfers (18 months)
WiseIQ may earn a referral fee if you apply and are approved.
Capital One Platinum Secured
Capital One · Mastercard
Build Credit with a $200 Deposit
Start building your credit history with a refundable security deposit. Automatic credit line reviews after 6 months.
No annual fee
Refundable security deposit
Automatic credit line reviews
Reports to all 3 credit bureaus
WiseIQ may earn a referral fee if you apply and are approved.
Discover it® Student Cash Back
Discover · Discover Network
5% Cash Back + GPA Reward
Earn 5% cash back on rotating categories and a $20 Good Grade Reward each year your GPA is 3.0 or higher.
5% cash back on rotating categories
$20 Good Grade Reward (3.0+ GPA)
No annual fee
Cashback Match™ first year
WiseIQ may earn a referral fee if you apply and are approved.
American Express® Gold Card
American Express · Charge Card
Best Dining Card
4x Points on Dining & Groceries
Earn 4x Membership Rewards points at restaurants worldwide and U.S. supermarkets (up to $25K/year), plus $120 dining credit and $120 Uber Cash annually.
4x points at restaurants worldwide
4x points at U.S. supermarkets (up to $25K/yr)
$120 annual dining credit
$120 annual Uber Cash
Transfer to 20+ airline & hotel partners
No foreign transaction fees
WiseIQ may earn a referral fee if you apply and are approved.
Wells Fargo Active Cash® Card
Wells Fargo · Visa Signature
Unlimited 2% Cash
$200 Welcome Bonus + 2% on Everything
Earn unlimited 2% cash rewards on all purchases with no annual fee, a $200 welcome bonus, and 0% intro APR for 12 months on purchases and balance transfers.
Unlimited 2% cash rewards on everything
$200 welcome bonus (spend $500 in 3 months)
0% intro APR for 12 months
No annual fee
Cell phone protection up to $600
Visa Signature concierge service
WiseIQ may earn a referral fee if you apply and are approved.
Chase Sapphire Reserve®
Chase Bank · Visa Infinite
Best Premium Travel
$300 Annual Travel Credit
The premium travel card with a $300 annual travel credit, 3x points on travel and dining, Priority Pass lounge access, and a 50% point boost when redeeming through Chase Travel.
$300 annual travel credit
3x points on travel and dining
Priority Pass lounge access (1,300+ lounges)
Points worth 1.5 cents each through Chase Travel
Global Entry/TSA PreCheck credit ($100)
No foreign transaction fees
WiseIQ may earn a referral fee if you apply and are approved.
Side-by-Side Comparison
All top credit cards at a glance. Click any row to apply.
| Card | Welcome Bonus | Rewards Rate | Annual Fee | Best For | |
|---|---|---|---|---|---|
Chase Sapphire Preferred® Chase Bank |
60,000 pts ($750) | 3x dining, 2x travel | $95 | Travel rewards | |
Discover it® Cash Back Discover |
Cashback Match™ | 5% rotating, 1% other | $0 | Cash back, no fee | |
Capital One Venture X Capital One |
75,000 miles ($750) | 10x hotels, 2x all | $395 | Premium travel | |
Citi Double Cash® Citi |
None | 2% on everything | $0 | Flat-rate cash back | |
Amex Gold Card American Express |
60,000 pts | 4x dining, 4x groceries | $250 | Dining & groceries | |
Wells Fargo Active Cash® Wells Fargo |
$200 cash rewards | 2% on all purchases | $0 | Simple cash back | |
Capital One Platinum Secured Capital One |
None | N/A | $0 | Building credit |