Credit Cards

A card for your spending. And your credit.

Find your starting point, compare your options, and get to know the cards behind the offers.

5best-of lists
20reviews
7comparisons
8guides

What do you want your next card to do?

Follow your goal through rewards, eligibility, fees, and the way you plan to pay.

Explore Credit Cards

Jump to a topic, or start with the most useful comparisons below.

Where most readers start

Our broadest comparisons, with the costs and trade-offs laid out side by side.

Step-by-step plans

Each plan walks through the decisions in the order they usually come up.

What we compare in every credit cards guide

  1. First-year value after fees
  2. Value after the welcome offer
  3. The cost of carrying a balance
How we evaluate

Every Credit Cards guide, by topic

40 articles, each with the sources behind it linked.

Bonus Offers

Find personal card offers that fit spending you already planned.

Cash Back

Match rewards to everyday spending without making redemption a second job.

Credit CardsBest picksCash-Back Credit Cards for Dining: Make Dinner Earn Its KeepCompare dining rewards for restaurants, takeout and fast food, with quarterly-cap examples and a look at when another card is worth the effort.Read the picksCredit CardsBest picksCash-Back Credit Cards for Gas: Count the Whole TripCompare rewards for gas, warehouse fuel and EV charging, including caps and membership costs. A lower pump price can beat a higher reward rate.Read the picksCredit CardsBest picksCash-Back Credit Cards for Groceries: Start With Your StoresFind a grocery rewards card for the stores you use. Compare supermarkets, warehouse clubs, delivery, caps and annual fees with real-dollar examples.Read the picksCredit CardsBest picksCompare Cash-Back Credit Cards: Find Your Everyday FitCompare 20 cash-back cards by the job they do best, with a shared household budget, reward caps, fees and realistic one-card and two-card examples.Read the picksCredit CardsBest picksNo-Annual-Fee Cash-Back Cards: Keep More of What You EarnCompare no-annual-fee cash-back cards and the costs around them, including memberships, foreign fees, account requirements and cash-redemption rules.Read the picksCredit CardsReviewBank of America Customized Cash Rewards Review: Choose Your Category CarefullyUnderstand Customized Cash Rewards’ chosen category, shared quarterly cap, first-year offer and bank relationship bonuses before estimating its value.Read the reviewCredit CardsReviewBank of America Unlimited Cash Rewards Review: Your Banking Relationship DecidesWe compare Unlimited Cash Rewards at its ordinary rate and current BofA Rewards tiers, including account requirements and the dollars gained over 2%.Read the reviewCredit CardsReviewBlue Cash Everyday Review: A Useful Card for Three Ordinary ErrandsWe test Blue Cash Everyday against a household budget, explain its separate reward caps and credits, and compare Preferred and a suitable 2% card.Read the reviewCredit CardsReviewBlue Cash Preferred Review: Does Your Grocery Bill Justify the Fee?Our Blue Cash Preferred review counts the supermarket cap, annual fee and usable credits, with realistic first-year and ongoing comparisons.Read the reviewCredit CardsReviewCapital One Quicksilver Review: What Is Simplicity Worth?Quicksilver makes rewards simple. We put its 1.5% rate, foreign-fee advantage, current offer and alternatives into dollars you can compare.Read the reviewCredit CardsReviewCapital One Savor Review: Who Should Get It?Our Savor review covers groceries, dining, entertainment and exclusions, with a realistic household budget and clear alternatives for the rest of your spending.Read the reviewCredit CardsReviewChase Freedom Flex Review: Are Quarterly Rewards Worth the Work?Our Freedom Flex review explains activation, quarterly caps and permanent categories, with realistic annual rewards and a clear comparison with Unlimited.Read the reviewCredit CardsReviewChase Freedom Unlimited Review: Does It Beat a 2% Card?We calculate Freedom Unlimited’s dining, drugstore and everyday rewards, compare a 2% card, and separate its introductory offer from ongoing value.Read the reviewCredit CardsReviewCiti Double Cash Review: Is the Two-Step 2% Worth It?See how Citi Double Cash earns and redeems its two-part reward, where statement credits matter, and how its value compares with other everyday cards.Read the reviewCredit CardsReviewCostco Anywhere Visa Review: Best Given a Specific JobWe calculate Costco Visa’s gas, dining and warehouse rewards, explain its annual certificate, and show when membership costs change the result.Read the reviewCredit CardsReviewDiscover it Cash Back Review: Great First Year, Then What?See what Discover’s quarterly categories and Cashback Match can earn, what activation requires, and how the card holds up after the first year.Read the reviewCredit CardsReviewPNC Cash Rewards Review: Give Gas and Dining the First LookWe calculate PNC Cash Rewards’ gas, dining and grocery value, explain the shared annual cap, and compare a focused pairing with a flat-rate card.Read the reviewCredit CardsReviewPNC Cash Unlimited Review: A 2% Card That Travels WellOur PNC Cash Unlimited review covers cash redemption, travel use, phone protection and TotalRewards, with clear comparisons to other 2% cards.Read the reviewCredit CardsReviewPayPal Cashback Mastercard Review: The Checkout Share DecidesSee when PayPal Cashback Mastercard earns 3% versus 1.5%, how much qualifying checkout spending it takes to beat 2%, and which fees can erase the gain.Read the reviewCredit CardsReviewPrime Visa Review: Reward the Orders You Already MakeOur Prime Visa review weighs Amazon and Whole Foods rewards against membership costs, cash redemption and practical alternatives for other purchases.Read the reviewCredit CardsReviewU.S. Bank Altitude Go Review: Is the Dining Rate Worth the Rules?See how Altitude Go’s dining cap and cash-redemption rules work, with examples for regular meals, a large event and a practical two-card setup.Read the reviewCredit CardsReviewU.S. Bank Cash+ Review: Can Your Household Bills Earn More?Cash+ can reward utilities and recurring bills. See how category selection, quarterly caps, payment fees and redemption rules affect its real value.Read the reviewCredit CardsReviewU.S. Bank Smartly Review: What Does the 4% Rate Really Cost?Our Smartly review compares its base and enhanced rates, qualifying accounts, spending exclusions and the banking costs that can outweigh extra rewards.Read the reviewCredit CardsReviewVenmo Credit Card Review: Let Your Spending Pick the CategoryWe explain Venmo’s monthly category ranking, grocery and warehouse treatment, redemption and fees, with realistic single-card and pairing examples.Read the reviewCredit CardsReviewWells Fargo Active Cash Review: Is Simple 2% Cash Back Enough?Our Active Cash review weighs its 2% rewards, current offer, phone protection and fees against practical alternatives, with annual household examples.Read the reviewCredit CardsComparisonBlue Cash Everyday vs. Blue Cash Preferred: The Groceries Are Only Part of ItWe compare Blue Cash Everyday and Preferred beyond the grocery rate, counting the annual fee, online shopping, gas, credits and current offer channels.Read the comparisonCredit CardsComparisonCapital One Savor vs. Blue Cash Preferred: Follow Your Food BudgetCompare Savor and Blue Cash Preferred with supermarket, dining and entertainment examples, including the annual fee, spending cap and a 2% fallback.Read the comparisonCredit CardsComparisonCapital One Savor vs. Quicksilver: Food Rewards or One Simple Rate?See when Savor’s food and entertainment rewards beat Quicksilver’s flat rate, how store exclusions change the answer, and whether pairing them helps.Read the comparisonCredit CardsComparisonChase Freedom Flex vs. Freedom Unlimited: Is the Calendar Worth It?See how much quarterly-category spending Freedom Flex needs to beat Unlimited, with realistic examples, activation limits and a two-card comparison.Read the comparisonCredit CardsComparisonCustomized Cash Rewards vs. Unlimited Cash Rewards: Choose a Lane or Keep It SimpleCompare Bank of America’s Customized and Unlimited Cash Rewards cards, with shared-cap examples, first-year offers and current relationship tiers.Read the comparisonCredit CardsComparisonPayPal Cashback Mastercard vs. Venmo Credit Card: Checkout or Categories?Compare PayPal’s checkout rewards with Venmo’s ranked categories, using the same household budget and accounting for fees, redemption and payment routes.Read the comparisonCredit CardsComparisonWells Fargo Active Cash vs. Citi Double Cash: Same Rate, Different RoutineCompare Active Cash and Double Cash on reward timing, redemption, introductory offers, transfer costs and phone protection. The ordinary rate is only the start.Read the comparisonCredit CardsGuideWhy Walmart, Target and Costco May Not Earn Supermarket RewardsUnderstand why buying groceries may not earn a supermarket bonus. Check merchant categories, online orders, payment routes and warehouse card acceptance.Read the guide

Fees and Benefits

Work out which perks you will use and which costs you can avoid.

Managing Your Cards

Keep track of payments, balances, and changes to your accounts.

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