1Best overall
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
Apply nowMore Details:
Rewards rate1.5%
APR20.49%
Annual fee$95
2Best for rewards
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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Rewards rate2%
APR21.24%
Annual fee$250
3Best for cash back
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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Rewards rate1.5%
APR19.99%
Annual fee$0
4Best for beginners
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
Apply nowMore Details:
Rewards rate1%
APR18.24%
Annual fee$0
5

Wells Fargo
Dependable everyday card with a long intro APR.
Intro bonus: 0% for 18mo
- Long 0% intro APR
- Cell phone protection
More Details:
Rewards rate2%
APR17.24%
Annual fee$0