1Best overall
Chase
Chase

A strong all-rounder with broad acceptance and solid rewards.

Intro bonus: 60k pointsNo foreign fee
  • No foreign transaction fees
  • Big sign-up bonus
  • Great travel rewards
9.4
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More Details:
Rewards rate1.5%
APR20.49%
Annual fee$95
2Best for rewards
American Express
American Express

Premium perks and the best-in-class rewards program.

Intro bonus: 80k pointsNo foreign fee
  • Membership Rewards points
  • Airport lounge access
  • Strong purchase protection
9.1
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More Details:
Rewards rate2%
APR21.24%
Annual fee$250
3Best for cash back
Capital One
Capital One

Simple, flat-rate cash back with no rotating categories.

Intro bonus: $200No foreign fee
  • Unlimited cash back
  • No annual fee options
  • Easy redemption
8.8
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More Details:
Rewards rate1.5%
APR19.99%
Annual fee$0
4Best for beginners
Discover
Discover

First-year cash-back match and no annual fee.

Intro bonus: Cashback Match
  • Cashback Match first year
  • No annual fee
  • Free FICO score
8.5
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More Details:
Rewards rate1%
APR18.24%
Annual fee$0
5
Wells Fargo
Wells Fargo

Dependable everyday card with a long intro APR.

Intro bonus: 0% for 18mo
  • Long 0% intro APR
  • Cell phone protection
8
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More Details:
Rewards rate2%
APR17.24%
Annual fee$0
6
Citi
Citi

Solid balance-transfer options and flexible points.

Intro bonus: 0% for 21mo
  • Balance transfer offers
  • ThankYou points
7.7
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More Details:
Rewards rate1%
APR18.99%
Annual fee$0