Our top picks for most people, based on rewards, value, and flexibility.
Chase
Annual Fee
$0
Rewards Rate
1.5%-5%
Intro Offer
$200
Regular APR
20.49%–29.24%+
A standout no-annual-fee card with strong bonus categories and a simple earning structure. Good for everyday spend and pairing with other Chase cards.
Chase
Rewards Rate
1x-5x
Annual Fee
$95
Intro Offer
60K pts
Regular APR
21.49%–28.49%+
The go-to travel card for many. Strong sign-up bonus, flexible points, and 3x on dining. Annual fee is justified by the value for frequent travelers.
Capital One
Rewards Rate
2x-10x
Annual Fee
$395
Intro Offer
75K mi
Regular APR
19.99%–29.99%+
Premium travel card with a reasonable annual fee offset by $300 travel credit and 10,000 anniversary miles. Simple 2x on everything.
Chase
Rewards Rate
1x-10x
Annual Fee
$550
Intro Offer
60K pts
Regular APR
22.49%–29.49%+
The ultimate travel card with a $300 annual travel credit, Priority Pass lounge access, and 10x on Chase Travel. Best for frequent travelers who can offset the $550 fee with credits and perks.
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