All credit card reviews
Every card reviewed by the ClearValue Editorial Team, grouped by issuer and ranked within each by ClearValue Score. 72 reviews on a published 100-point methodology — by fit, never by commission.
American Express
11 cards- American Express Blue Cash EverydayFamily households that want 3% at U.S. supermarkets, gas, and online retail with no annual fee — the $0 AF sibling to the Blue Cash Preferred for households that won't hit the preferred card's grocery cap.Solid pick85/100
- American Express Blue Cash PreferredFamily households that spend $3,000+ a year at U.S. supermarkets and $1,200+ on streaming. The 6% on groceries (up to $6,000/yr) and 6% on streaming is industry-best cashback if you actually use both.Solid pick81/100
- American Express Cash MagnetExisting Amex cardmembers who want a no-annual-fee flat 1.5% cash-back card that keeps them inside the Amex ecosystem — purchase protection, return protection, and Amex customer service without a fee, plus a 15-month 0% intro APR on purchases.Worth considering79/100
- American Express GoldHouseholds that spend $3,000+/yr at U.S. supermarkets AND $3,000+/yr at restaurants. The 4x at both, transferable to MR partners at our 1.4 cpp benchmark, is industry-leading for dining + grocery combined.Worth considering77/100
- Delta SkyMiles Gold American ExpressTravelers who fly Delta 2-4 times a year, want a free checked bag (~$70 saved per round trip per bag), and don't want to commit to a Platinum or Reserve tier annual fee.Worth considering76/100
- American Express Business GoldService businesses with concentrated spend in two clear top categories (Amex picks your 2 highest categories each month from a list of 6: airfare, advertising, gas, restaurants, computing/hosting, shipping). The 4x on top-2 categories at our 1.4 cpp MR benchmark beats most business flat-rate cards.Worth considering75/100
- Delta SkyMiles Platinum American ExpressDelta flyers who take 4-8 round trips a year and will use the annual Companion Certificate (Main Cabin domestic round-trip for a partner) — at one transcontinental redemption a year, the cert clears the AF on its own.Worth considering75/100
- Hilton Honors SurpassHilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton stays + annual free-night certificate after $15k of spend.Worth considering75/100
- Hilton Honors American Express AspireFrequent Hilton guests who will fully use the credits — automatic top-tier Hilton Diamond status, up to $400 in annual Hilton resort credits ($200 semi-annually), a $200 annual flight credit, an annual free-night certificate, and 14x points at Hilton properties.Worth considering74/100
- Marriott Bonvoy Bevy American ExpressRegular Marriott guests who want mid-tier elite perks — automatic Marriott Gold Elite status, 15 elite-night credits, a $25 quarterly dining credit, 6x at Marriott properties and 4x at restaurants, plus an annual free-night certificate worth up to 50,000 points.Worth considering74/100
- American Express PlatinumFrequent travelers who fly 8+ times a year, use Centurion + Priority Pass lounges 12+ times, and will grind the post-2025-refresh credit stack: $400 Resy dining, $600 hotel, $300 digital entertainment, $200 Uber Cash, $300 Equinox, $300 lululemon, $209 CLEAR+, $155 Walmart+, $200 Oura, and $200 airline incidental, plus Global Entry/TSA PreCheck. At full coupon-book activation, the $895 AF clears.Niche / conditional66/100
Bank of America
4 cards- Bank of America Unlimited Cash RewardsBank of America and Merrill customers with Preferred Rewards status — the 1.5% base rate scales 25–75% higher at the deposit tiers, reaching an effective 2.625% flat at Platinum Honors ($100K+ in qualifying balances). A 15-month 0% intro APR rounds it out.Solid pick82/100
- Bank of America Travel Rewards for StudentsStudents who plan to travel after college and want to start accumulating flexible travel points — 1.5 points per dollar on everything, redeemable as a statement credit against travel and dining, with a $0 annual fee and no foreign transaction fee.Solid pick80/100
- Alaska Airlines Visa SignatureAlaska Airlines flyers — especially on the West Coast — who want an annual companion fare (from $122 plus taxes and fees), a free first checked bag, priority boarding, and 3x miles on Alaska purchases, with no foreign transaction fee.Worth considering77/100
- BankAmericardBalance consolidators who want a clean, no-frills 0% intro window from Bank of America — up to 18 billing cycles on both purchases and balance transfers, with a 3% transfer fee locked in if you move balances within the first 60 days.Worth considering72/100
Capital One
12 cards- Capital One Quicksilver SecuredCredit-builders who want a secured card that reports to all three bureaus AND earns 1.5% cashback — the only mainstream secured card that does both at $0 AF. Graduates to unsecured with on-time payments.Solid pick89/100
- Capital One SavorOne Cash RewardsDining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and grocery stores at a $0 annual fee — with no foreign transaction fee, so the 3% dining rate follows you abroad.Solid pick89/100
- Capital One SavorOne StudentStudents who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no activation — 3% on those categories and 1% elsewhere, at a $0 annual fee and no foreign transaction fee, accessible to limited-credit applicants.Solid pick87/100
- Capital One Quicksilver Cash RewardsPeople who want one no-annual-fee card that does three things at once: 1.5% unlimited cash back, a 0% intro-APR window, and no foreign transaction fee. It's the flat-rate workhorse for someone who won't track categories and occasionally spends abroad.Solid pick85/100
- Capital One Quicksilver Student Cash RewardsStudents who want the simplest possible cash-back card — a flat 1.5% on every purchase, unlimited, with no category management, no quarterly activation, no annual fee, and no foreign transaction fees. Approval is accessible for limited credit history, and it reports to all three bureaus.Solid pick84/100
- Capital One SavorReaders who spend heavily on dining and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for restaurant-heavy households.Solid pick84/100
- Capital One Venture XTravelers who want premium card features (lounge access via Capital One Lounges + Priority Pass, $300 travel credit, 10,000-mile anniversary bonus) without the Sapphire Reserve or Amex Platinum coupon-book burden. The $395 AF nets out positive at modest utilization.Solid pick81/100
- Capital One Spark Cash PlusEstablished businesses spending $50,000+/yr who want flat 2% on everything with no rotating-category tracking and an annual $200 cash bonus once you hit $200k in spend (recovers most of the AF). Charge-card structure — pay in full monthly.Solid pick80/100
- Capital One VentureLight-to-moderate travelers (2-6 trips/yr) who want a flat 2x miles + transfer-partner access at a $95 AF — the entry-tier sibling to the Venture X without the lounge access or anniversary mile bonus.Solid pick80/100
- Capital One Platinum SecuredPeople rebuilding credit who want to minimize the cash tied up in a deposit — qualifying applicants can open a $200 credit line with as little as a $49 or $99 deposit, at a $0 annual fee, with an automatic review for an upgrade after six months of on-time payments.Worth considering77/100
- Capital One QuicksilverOne Cash RewardsApplicants with fair credit (roughly 580–669) who want to earn while they build — 1.5% unlimited cash back on every purchase, no security deposit, and an automatic credit-line review after six months of on-time payments.Worth considering77/100
- Capital One PlatinumApplicants with limited or fair credit who want an unsecured card — no security deposit to tie up cash — that reports to all three bureaus and is automatically reviewed for a higher credit line after six months of on-time payments, all at a $0 annual fee.Worth considering76/100
Chase
12 cards- Chase Freedom FlexReaders willing to track rotating quarterly categories and activate each quarter. Stacks beautifully with a Sapphire Preferred or Reserve for transfer-partner upside on Ultimate Rewards.Solid pick86/100
- Chase Freedom UnlimitedReaders who want a single, no-fee cashback card that earns at least 1.5% on everything and stacks with other Chase Ultimate Rewards cards.Solid pick86/100
- Chase Ink Business CashSmall businesses with real office-supply and telecom spend. The 5% back at office supply stores and on internet, cable, and phone services (first $25,000 combined per year) is the best $0-fee business earn rate for that spend profile — and the points are Ultimate Rewards when paired with a premium Chase card.Solid pick85/100
- Chase Ink Business PreferredSmall business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) — the 3x category at $150k cap annually transfers to Hyatt/United at our 1.5 cpp benchmark for real value.Solid pick83/100
- Chase Sapphire PreferredMid-frequency travelers (4-8 trips/yr) who want Ultimate Rewards transfer-partner access without the Sapphire Reserve's $795 AF. The 1:1 transfer to Hyatt + United at our 1.5 cpp benchmark is where the real value lives.Solid pick83/100
- Southwest Rapid Rewards PrioritySouthwest loyalists chasing the Companion Pass — 7,500 anniversary points + $75 Southwest travel credit + 4 upgraded boardings/yr. Stacked with Southwest's free-checked-bag policy, the AF math is the cleanest of any single-airline card.Solid pick81/100
- Chase Freedom StudentStudents who plan to eventually hold a Chase Sapphire or Freedom Unlimited and want to start inside the Chase ecosystem — 1% on all purchases, a $20 Good Standing Reward each cardmember year for the first five years, a $0 annual fee, and no foreign transaction fee.Worth considering79/100
- The World of Hyatt Credit CardHyatt guests who value per-point redemption — an annual Category 1–4 free-night certificate that often exceeds the $95 fee at mid-tier properties, automatic Discoverist status, 5 elite-night credits, and 4x at Hyatt plus 2x on dining, flights, and local transit.Worth considering79/100
- United Explorer CardTravelers loyal to United who fly 2-4 round trips a year, want a free checked bag, and value priority boarding + 2× United-spend earning.Worth considering77/100
- IHG One Rewards PremierIHG loyalists (Holiday Inn, Crowne Plaza, Kimpton, InterContinental, Six Senses) who use the annual free-night certificate at a $200+/night property — single-handedly clears the AF + automatic Platinum Elite status.Worth considering76/100
- Marriott Bonvoy BoundlessMarriott guests who stay 5+ nights a year and want the annual free-night certificate (up to 35k points) — when redeemed at a $200+/night Marriott property, the cert alone clears the $95 AF.Worth considering75/100
- Chase Sapphire ReserveFrequent travelers who will work the post-June-2025 credit stack: the $300 travel credit (auto-applies to any travel), up to $500 in 'The Edit' hotel credits, $300 Sapphire Exclusive Tables dining, $300 in StubHub/viagogo credits, ~$120 Peloton, plus Lyft and Apple perks, Priority Pass, and automatic IHG One Rewards Platinum status. At high utilization the $795 AF clears — and transferring Ultimate Rewards to Hyatt or United is the upside on top.Worth considering74/100
Chime
1 cardCiti
9 cards- Citi Double CashReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories. The 2% (1% at purchase + 1% at payment) is the cleanest math in the cashback space.Solid pick89/100
- Citi Custom CashModerate spenders who concentrate buying in one category each month — groceries, gas, dining, or streaming — and want an automatic 5% without activating anything. It also carries a 0% intro-APR window, so it doubles as a short-term financing card.Solid pick85/100
- Citi StrataCiti ThankYou Points builders who want a broad 3X earn across supermarkets, select transit and gas/EV charging, and a self-select category (fitness, streaming, entertainment, beauty, or pet stores) plus 2X dining — all at a $0 annual fee. It's the July-2025 successor to the Citi Rewards+.Solid pick84/100
- Costco Anywhere Visa by CitiCostco members who drive a lot — 4% cash back on gas and EV charging at any station (up to $7,000/yr), plus 3% on restaurants and eligible travel and 2% at Costco. There's no card-level annual fee if you're already a member.Solid pick81/100
- Citi Rewards+ Student CardStudents who make frequent small purchases — coffee, transit, study supplies — and want the round-up feature that rounds every purchase up to the nearest 10 ThankYou Points. It earns 2X at supermarkets and gas (up to $6,000/yr, then 1X), 1X elsewhere, at a $0 annual fee, and reports to all three bureaus.Solid pick80/100
- Citi SimplicityBalance payers who want a long 0% intro window (up to 21 months on balance transfers) with a genuine safety net — Citi Simplicity charges no late fees and imposes no penalty APR, so a single missed payment won't void your promotional rate.Worth considering77/100
- Citi / AAdvantage Platinum Select World Elite MastercardAmerican Airlines loyalists who want a free first checked bag (for the cardholder and up to four companions on the same itinerary), preferred boarding, and 2x miles on American, dining, and gas — at a $99 annual fee that's waived the first year.Worth considering76/100
- Citi Secured MastercardThin-file or rebuilding applicants who want to build credit over an 18-month runway with a major-bank issuer, at a $0 annual fee — with a path to a product change to an unsecured Citi card and a returned deposit at the 18-month mark.Worth considering73/100
- Citi Diamond PreferredBalance payers consolidating existing high-rate card debt who want a long intro 0% balance-transfer window from a major issuer, with no annual fee and no rotating-category management to track.Worth considering72/100
Credit One Bank
1 cardDiscover
5 cards- Discover it SecuredCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND gets Discover's year-one Cashback Match — the only secured card that does all four.Canon90/100
- Discover it Cash BackFirst-card or rebuild-tier readers who want a $0 AF card with rotating 5% categories and Discover's year-one Cashback Match. Customer service is the best in the industry.Solid pick88/100
- Discover it Student Cash BackCollege students with limited or no prior credit who want the strongest year-one return on a no-fee card — 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else, no foreign transaction fee, and Discover's year-one Cashback Match doubling everything earned.Solid pick88/100
- Discover it Balance TransferBalance payers who also want to earn — an 18-month 0% intro APR on balance transfers paired with 5% rotating quarterly categories (up to $1,500/quarter, activation required) and 1% on everything else, at a $0 annual fee.Solid pick85/100
- Discover it MilesFirst travel-card holders who want simplicity — a flat 1.5x miles on everything, no annual fee, no foreign transaction fee, and Discover's year-one Miles Match that doubles all miles earned, effectively making year one a 3x card.Solid pick83/100
First Tech Federal Credit Union
2 cards- First Tech Choice Rewards World MastercardFirst Tech members who carry a balance but want to earn on everyday spending without giving up a below-average APR — 2 points per $1 on gas, groceries, and household goods, 1x elsewhere, at an 11.75%–18.00% variable APR with no annual fee and no balance transfer fee.Solid pick80/100
- First Tech Federal Platinum MastercardBalance carriers who can join First Tech — membership is open to employees of 1,700+ tech and innovation companies (Amazon, Microsoft, Intel, Google, HP, Cisco, and more) plus participating communities — and want a low-rate card with no annual fee, no balance transfer fee, and a federally capped 18.00% APR ceiling. The variable range runs 10.49%–18.00%.Worth considering76/100
Mission Lane
1 cardNavy Federal Credit Union
4 cards- Navy Federal cashRewardsNavy Federal members who carry a balance but also want ongoing cash back — the rare low-APR card that rewards spending. It earns 2% unlimited cash back on all purchases when approved for a $5,000+ credit limit (the Plus tier), or 1.5% unlimited below that, at a 14.15%–18.00% variable APR with no annual fee.Solid pick84/100
- Navy Federal GO REWARDSNavy Federal members who dine out or spend on gas regularly and want rewards without giving up a low ongoing APR — 3 points per $1 at restaurants, 2 points per $1 at gas stations, 1x elsewhere, at a 13.49%–18.00% variable APR with no annual fee. That's the lowest APR floor among the rewards cards Navy Federal offers.Solid pick82/100
- Navy Federal More Rewards American ExpressNavy Federal members who spend heavily on groceries and dining and want the widest category coverage among Navy Federal's low-APR cards — 3 points per $1 at supermarkets, restaurants, transit, and gas stations, 1x elsewhere, at a 14.15%–18.00% variable APR with no annual fee.Solid pick82/100
- Navy Federal PlatinumBalance carriers who qualify for Navy Federal membership and want the lowest ongoing APR available — a 10.24%–18.00% variable range with no annual fee and no balance transfer fee. As a federally chartered credit union, Navy Federal caps all card APRs at 18.00%, so even lower-credit profiles avoid the 27–29% ceilings common at big banks.Worth considering78/100
OpenSky
1 cardPenFed Credit Union
1 cardPetal
1 cardSelf
1 cardSynchrony
1 cardU.S. Bank
2 cards- U.S. Bank Cash+ Visa SignatureReaders with concentrated, predictable spend who will pick their two 5% categories each quarter — utilities, home utilities, cell phone, streaming, or fast food among them. The customizable 5% (up to $2,000 combined per quarter) is the highest capped rate on a $0-fee card when the categories match your bills.Solid pick83/100
- U.S. Bank Visa PlatinumLarge balance payoffs where combining a long window with a lower transfer fee produces the best total savings — up to 21 billing cycles of 0% intro APR on purchases and balance transfers, with a 3% transfer fee (vs. the 5% most 21-month cards charge).Worth considering77/100
Wells Fargo
3 cards- Wells Fargo Active CashReaders who want a flat 2% cashback card AND a 15-month 0% intro APR on both purchases and balance transfers — the dual-use case is rare at $0 AF.Solid pick86/100
- Wells Fargo AutographEveryday drivers and broad spenders who want 3x points across six categories — gas and EV charging, travel, dining, transit, streaming, and phone plans — at a $0 annual fee and no foreign transaction fee.Solid pick86/100
- Wells Fargo ReflectAnyone financing a large purchase or paying down transferred debt who wants the maximum interest-free runway — up to 21 months of 0% intro APR on both purchases and balance transfers, at a $0 annual fee. It's the longest combined 0% window on the market.Worth considering76/100
ClearValue Cards is an independent editorial and comparison publisher — not a card issuer or lender. ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool. It does not influence editorial scoring or ordering. See methodology and disclosure.