Every credit card, reviewed
Every one of the 88 cards we cover, run through the same published 100-point ClearValue Score. Ranked by what fits you — never by who pays us. And every review names the weakness. Every card has one.
88
cards reviewed
100-pt
ClearValue Score
By fit
not by commission
Editor’s picks
Highest-scored overallCapital One
Solid pick
Capital One Quicksilver Secured
89
/100
Annual fee
$0
Ongoing APR
28.99%
Foreign txn fee
None
Best for
Credit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-07-15
Citi
Solid pick
Citi Double Cash
89
/100
Annual fee
$0
Ongoing APR
17.49–27.49%
Intro APR
0% · 18 mo
Best for
Readers who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Fees sourced from issuer terms · 2026-07-15
Chase
Solid pick
Chase Ink Business Unlimited
88
/100
Annual fee
$0
Ongoing APR
16.74–24.74%
Intro APR
0% · 12 mo
Best for
Businesses whose spend doesn't concentrate in a specific bucket — unlimited 1
Fees sourced from issuer terms · 2026-07-22
Discover
Solid pick
Discover it Cash Back
88
/100
Annual fee
$0
Ongoing APR
17.49–26.49%
Intro APR
0% · 15 mo
Best for
First-card or rebuild-tier readers who want a $0 AF card with rotating 5% categories and Discover's year-one Cashback Ma
Fees sourced from issuer terms · 2026-07-16
Discover
Solid pick
Discover it Student Cash Back
88
/100
Annual fee
$0
Ongoing APR
16.49–25.49%
Intro APR
0% · 6 mo
Best for
College students with limited or no prior credit who want the strongest year-one return on a no-fee card — 5% on rotatin
Fees sourced from issuer terms · 2026-07-18
Capital One
Solid pick
Capital One Savor Student Cash Rewards
87
/100
Annual fee
$0
Ongoing APR
18.49–28.49%
Foreign txn fee
None
Best for
Students who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no a
Fees sourced from issuer terms · 2026-07-21
Shop by use-case
Ranked listsAlready know what you want the card to do? Skip the browsing. Jump straight to the ranked list for that job.
Every card, ranked
88 reviewsThe whole set, top to bottom, ranked by ClearValue Score. One thing before you decide: terms move, so confirm the current numbers at the issuer.
| # | Card | Best for | ClearValue Score | Match |
|---|---|---|---|---|
| 1 | Discover it SecuredDiscover | Credit-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. | 90 / 100 · Canon | Match |
| 2 | Capital One Quicksilver SecuredCapital One | Credit-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. | 89 / 100 · Solid pick | Match |
| 3 | Citi Double CashCiti | Readers 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. | 89 / 100 · Solid pick | Match |
| 4 | Chase Ink Business UnlimitedChase | Businesses whose spend doesn't concentrate in a specific bucket — unlimited 1.5% cash back on every purchase, no annual fee, and no earning cap makes this the simplest 'set it and forget it' card in Chase's Ink lineup. There's also 5% total cash back on Lyft rides through September 30, 2027. | 88 / 100 · Solid pick | Match |
| 5 | Discover it Cash BackDiscover | First-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. | 88 / 100 · Solid pick | Match |
| 6 | Discover it Student Cash BackDiscover | College 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. | 88 / 100 · Solid pick | Match |
| 7 | Capital One Savor Student Cash RewardsCapital One | Students 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. | 87 / 100 · Solid pick | Match |
| 8 | Petal 2 VisaPetal | Thin-file or no-credit-history readers who want an unsecured card without a deposit, reports to all three bureaus, and earns 1-1.5% cashback (rising with on-time payments). Genuinely better than secured-card alternatives for borrowers without $200 in deposit cash. | 87 / 100 · Solid pick | Match |
| 9 | Chase Freedom FlexChase | Readers 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. | 86 / 100 · Solid pick | Match |
| 10 | Chase Freedom UnlimitedChase | Readers who want a single, no-fee cashback card that earns at least 1.5% on everything and stacks with other Chase Ultimate Rewards cards. | 86 / 100 · Solid pick | Match |
| 11 | Wells Fargo Active CashWells Fargo | Readers 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. | 86 / 100 · Solid pick | Match |
| 12 | Wells Fargo AutographWells Fargo | Everyday 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. | 86 / 100 · Solid pick | Match |
| 13 | American Express Blue Business CashAmerican Express | Businesses that want a flat, no-annual-fee cash-back rate with no categories to track: 2% back, automatically applied as a statement credit, on the first $50,000 in purchases each calendar year (1% after). A 12-month 0% intro APR on purchases gives new equipment or inventory spend real runway before interest applies. | 85 / 100 · Solid pick | Match |
| 14 | American Express Blue Cash EverydayAmerican Express | Family 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. | 85 / 100 · Solid pick | Match |
| 15 | Capital One Quicksilver Cash RewardsCapital One | People 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. | 85 / 100 · Solid pick | Match |
| 16 | Chase Ink Business CashChase | Small 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. | 85 / 100 · Solid pick | Match |
| 17 | Citi Custom CashCiti | Closed to new applicants — Citi stopped taking Custom Cash applications on 2026-05-28. Existing cardholders deciding whether to keep it: moderate spenders who concentrate buying in one category each month — groceries, gas, dining, or streaming — and want an automatic 5% without activating anything. | 85 / 100 · Solid pick | Match |
| 18 | Discover it Balance TransferDiscover | Existing Discover it Balance Transfer cardholders keeping the card for its 5% rotating quarterly categories (up to $1,500/quarter, activation required) and 1% on everything else, at a $0 annual fee. Discover stopped accepting new applications for this card (confirmed via Credit Karma, updated 2026-07-16, and corroborated by NerdWallet and Bankrate), so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today. | 85 / 100 · Solid pick | Match |
| 19 | Capital One Quicksilver Student Cash RewardsCapital One | Students 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. | 84 / 100 · Solid pick | Match |
| 20 | Capital One SavorCapital One | Readers who spend heavily on dining, groceries, and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for food-heavy households, plus a $250 welcome bonus (spend $500 in 3 months) and 5% on hotels/rental cars/vacation rentals via Capital One Travel. | 84 / 100 · Solid pick | Match |
| 21 | Citi StrataCiti | Citi 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+. | 84 / 100 · Solid pick | Match |
| 22 | Navy Federal cashRewardsNavy Federal Credit Union | Navy 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. | 84 / 100 · Solid pick | Match |
| 23 | Chase Ink Business PreferredChase | Small 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 United at our 1.5 cpp benchmark for real value. Chase cut Ultimate Rewards → Hyatt transfers from 1:1 to 4:3 for this card (June 2026); United remains 1:1. | 83 / 100 · Solid pick | Match |
| 24 | Chase Sapphire PreferredChase | Mid-frequency travelers (4-8 trips/yr) who want Ultimate Rewards transfer-partner access without the Sapphire Reserve's $795 AF. United still transfers 1:1, and the June 2026 refresh added 3x on gas, EV charging, and vacation rentals plus a $100 annual Chase Travel hotel credit and a $120 TSA PreCheck/Global Entry credit every four years. | 83 / 100 · Solid pick | Match |
| 25 | Discover it MilesDiscover | First 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. | 83 / 100 · Solid pick | Match |
| 26 | U.S. Bank Cash+ Visa SignatureU.S. Bank | Readers 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. | 83 / 100 · Solid pick | Match |
| 27 | Bank of America Business Advantage Unlimited Cash RewardsBank of America | Bank of America and Merrill business customers enrolled in Preferred Rewards for Business — the flat 1.5% base rate scales up with combined balances: 25% higher (1.87%) at the Gold tier ($20,000+), 50% higher (2.25%) at Platinum ($50,000+), and 75% higher (2.62%) at Platinum Honors ($100,000+). No annual fee, no category tracking, uncapped earning. | 82 / 100 · Solid pick | Match |
| 28 | Bank of America Unlimited Cash RewardsBank of America | Bank 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. | 82 / 100 · Solid pick | Match |
| 29 | Navy Federal GO REWARDSNavy Federal Credit Union | Navy 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. | 82 / 100 · Solid pick | Match |
| 30 | Navy Federal More Rewards American ExpressNavy Federal Credit Union | Navy 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. | 82 / 100 · Solid pick | Match |
| 31 | American Express Blue Cash PreferredAmerican Express | Family 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. | 81 / 100 · Solid pick | Match |
| 32 | Capital One Venture XCapital One | Travelers 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. | 81 / 100 · Solid pick | Match |
| 33 | Citi Strata PremierCiti | Frequent travelers who route bookings through Citi's travel portal (cititravel.com) for the 10x rate, and who spend heavily across the broad 3x buckets — restaurants, supermarkets, gas/EV charging, air travel, and hotels booked directly. ThankYou Points transfer to airline and hotel partners. | 81 / 100 · Solid pick | Match |
| 34 | Costco Anywhere Visa by CitiCiti | Costco members who drive a lot — 5% cash back on gas at Costco, 4% on other gas and EV charging worldwide (combined $7,000/yr cap, then 1%), plus 3% on restaurants and eligible travel and 2% at Costco. There's no card-level annual fee if you're already a member. | 81 / 100 · Solid pick | Match |
| 35 | Hilton Honors American ExpressAmerican Express | Occasional Hilton guests who want complimentary Silver status and category earning (7x Hilton, 5x U.S. restaurants/supermarkets/gas) without paying an annual fee — the free entry point into the Hilton Honors ecosystem. | 81 / 100 · Solid pick | Match |
| 36 | PenFed Platinum Rewards Visa SignaturePenFed Credit Union | Drivers who don't shop a warehouse club and want the highest consistent gas reward available on a no-annual-fee card — 5 points per $1 at any gas station, plus 3 points per $1 at supermarkets. PenFed membership is open to everyone; you just join at penfed.org before applying. | 81 / 100 · Solid pick | Match |
| 37 | Prime VisaChase | Amazon Prime members with real Amazon and Whole Foods spend — 5% back at Amazon.com, Amazon Fresh, Whole Foods, and Chase Travel, plus 2% at gas stations, restaurants, and rideshare/transit, at a $0 annual fee. | 81 / 100 · Solid pick | Match |
| 38 | Southwest Rapid Rewards PriorityChase | Southwest loyalists chasing the Companion Pass — 7,500 anniversary points, 4x earning on Southwest purchases, and uncapped 2x at gas stations and restaurants. Stacked with Southwest's free-checked-bag policy, the AF math still works if you fly enough to justify the $229 fee. | 81 / 100 · Solid pick | Match |
| 39 | U.S. Bank Altitude Connect Visa SignatureU.S. Bank | Travelers who want a $0-fee card with real travel-category earning — 4x on travel and on gas/EV charging (capped $1,000/quarter), 2x on dining/streaming/groceries — plus a Global Entry/TSA PreCheck credit and no foreign transaction fee. | 81 / 100 · Solid pick | Match |
| 40 | Bank of America Travel Rewards for StudentsBank of America | Students who plan to travel after college and want to start accumulating flexible travel points — 1.5 points per dollar on everyday purchases (3 points per dollar on travel booked through BofA Travel), redeemable as a statement credit against travel and dining, with a $0 annual fee and no foreign transaction fee. | 80 / 100 · Solid pick | Match |
| 41 | Capital One Spark Cash PlusCapital One | Established 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. | 80 / 100 · Solid pick | Match |
| 42 | Capital One VentureCapital One | Light-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. | 80 / 100 · Solid pick | Match |
| 43 | Capital One Venture BusinessCapital One | Small-business owners and LLCs who want a flat 2x-miles travel card with no foreign transaction fee at a straightforward $95 AF — well below the $395 Venture X Business's price tag. | 80 / 100 · Solid pick | Match |
| 44 | Capital One VentureOne RewardsCapital One | First-time travel-card holders who want the miles-and-transfer-partner ecosystem without a $95+ annual fee — flat 1.25x on everything, a 15-month 0% intro window, and no foreign transaction fee in a $0-AF card. | 80 / 100 · Solid pick | Match |
| 45 | Citi Rewards+ Student CardCiti | Existing Rewards+ Student cardholders keeping the card for the round-up feature that rounds every purchase up to the nearest 10 ThankYou Points, plus 2X at supermarkets and gas (up to $6,000/yr, then 1X). Citi closed Rewards+ Student to new applicants in April 2025, so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today. | 80 / 100 · Solid pick | Match |
| 46 | First Tech Choice Rewards World MastercardFirst Tech Federal Credit Union | First 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. | 80 / 100 · Solid pick | Match |
| 47 | American Express Cash MagnetAmerican Express | Existing Cash Magnet cardholders keeping the card for its no-annual-fee flat 1.5% cash back and Amex purchase/return protections. American Express closed Cash Magnet to new applicants on 2024-09-25, so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today. | 79 / 100 · Worth considering | Match |
| 48 | Capital One SavorOne Cash RewardsCapital One | Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee. | 79 / 100 · Worth considering | Match |
| 49 | Chase Freedom StudentChase | Existing Freedom Student cardholders keeping the card for its $0 annual fee, 1% flat rate, and Good Standing Reward. Chase closed Freedom Student to new applicants in September 2020, so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today. | 79 / 100 · Worth considering | Match |
| 50 | The World of Hyatt Credit CardChase | Hyatt 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. | 79 / 100 · Worth considering | Match |
| 51 | Marriott Bonvoy BoldChase | Occasional Marriott guests who want complimentary Silver Elite status and 3x on Marriott stays plus 2x on groceries, streaming, and rideshare — all at a $0 annual fee, the free entry point into the Bonvoy ecosystem. | 78 / 100 · Worth considering | Match |
| 52 | Mission Lane VisaMission Lane | Credit-rebuilders coming back from a thin file or recent dings who can't deposit on a secured card and don't qualify for Petal 2—Mission Lane is one of the more honest unsecured options for the 580-620 FICO band. | 78 / 100 · Worth considering | Match |
| 53 | Navy Federal PlatinumNavy Federal Credit Union | Balance 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. | 78 / 100 · Worth considering | Match |
| 54 | Alaska Airlines Visa Signature (Atmos Rewards Ascent)Bank of America | Alaska and Hawaiian Airlines flyers — especially on the West Coast — who want an annual $99 companion fare (plus taxes and fees from $23), a free first checked bag, priority boarding, and 3x points on Alaska/Hawaiian purchases, with no foreign transaction fee. Bank of America renamed the card the Atmos Rewards Ascent Visa Signature after Alaska and Hawaiian merged their loyalty programs into Atmos Rewards. | 77 / 100 · Worth considering | Match |
| 55 | American Express GoldAmerican Express | Households 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. | 77 / 100 · Worth considering | Match |
| 56 | American Express GreenAmerican Express | Travelers and diners who want 3x on all travel and restaurants worldwide (including takeout/delivery) without Gold's or Platinum's coupon-book complexity — plus a CLEAR Plus airport-security credit. | 77 / 100 · Worth considering | Match |
| 57 | Capital One Platinum SecuredCapital One | People 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. | 77 / 100 · Worth considering | Match |
| 58 | Capital One QuicksilverOne Cash RewardsCapital One | Applicants 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. | 77 / 100 · Worth considering | Match |
| 59 | Citi SimplicityCiti | Balance payers who want a long 0% intro window (18 months on both purchases and 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. | 77 / 100 · Worth considering | Match |
| 60 | U.S. Bank Visa PlatinumU.S. Bank | Existing U.S. Bank Visa Platinum cardholders keeping the card for its long 0% intro window and low intro balance-transfer fee. U.S. Bank closed the Visa Platinum to new applicants on 2025-03-17 and replaced it with the U.S. Bank Shield Visa — nobody can newly apply for this card today. | 77 / 100 · Worth considering | Match |
| 61 | United Explorer CardChase | Travelers loyal to United who fly 2-4 round trips a year, want a free checked bag, and value priority boarding + 2× United-spend earning. | 77 / 100 · Worth considering | Match |
| 62 | Capital One PlatinumCapital One | Applicants 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. | 76 / 100 · Worth considering | Match |
| 63 | Citi / AAdvantage Platinum Select World Elite MastercardCiti | American 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. | 76 / 100 · Worth considering | Match |
| 64 | Delta SkyMiles Gold American ExpressAmerican Express | Travelers 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. | 76 / 100 · Worth considering | Match |
| 65 | First Tech Federal Platinum MastercardFirst Tech Federal Credit Union | Balance 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%. | 76 / 100 · Worth considering | Match |
| 66 | IHG One Rewards PremierChase | IHG 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. | 76 / 100 · Worth considering | Match |
| 67 | Wells Fargo ReflectWells Fargo | Anyone 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. | 76 / 100 · Worth considering | Match |
| 68 | American Express Business GoldAmerican Express | Service 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. | 75 / 100 · Worth considering | Match |
| 69 | Chime Card (formerly Credit Builder)Chime | Existing Chime account holders who want to build credit without locking up any cash — no security deposit, no annual fee, and 0% APR because you can only spend funds you've moved from your Chime spending account to the card. It reports to all three bureaus monthly, and there's no hard credit pull to apply. | 75 / 100 · Worth considering | Match |
| 70 | Delta SkyMiles Platinum American ExpressAmerican Express | Delta 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. | 75 / 100 · Worth considering | Match |
| 71 | Hilton Honors SurpassAmerican Express | Hilton 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. | 75 / 100 · Worth considering | Match |
| 72 | Marriott Bonvoy BoundlessChase | Marriott 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. | 75 / 100 · Worth considering | Match |
| 73 | Sam's Club MastercardSynchrony | Active Sam's Club members who fill up at Sam's Club fuel centers regularly — 5% cash back on fuel at Sam's Club stations (up to $5,000/yr, then 1%), plus 3% on a broad dining and travel category, with no card-level annual fee. Accepted anywhere Mastercard is. | 75 / 100 · Worth considering | Match |
| 74 | Chase Sapphire ReserveChase | Frequent 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. | 74 / 100 · Worth considering | Match |
| 75 | Hilton Honors American Express AspireAmerican Express | Frequent 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. | 74 / 100 · Worth considering | Match |
| 76 | Marriott Bonvoy Bevy American ExpressAmerican Express | Regular Marriott guests who want mid-tier elite perks — complimentary Marriott Gold Elite status, 15 elite-night credits, 6x points at Marriott properties and 4x at restaurants and U.S. supermarkets (on up to $15,000 combined per year), plus a free-night certificate worth up to 50,000 points after $15,000 in calendar-year spend. | 74 / 100 · Worth considering | Match |
| 77 | Citi Secured MastercardCiti | Thin-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. | 73 / 100 · Worth considering | Match |
| 78 | PayPal Cashback MastercardSynchrony | Frequent PayPal checkout users who want 3% back routed through PayPal specifically, plus a flat 1.5% everywhere else, with no annual fee and no category tracking. | 73 / 100 · Worth considering | Match |
| 79 | Southwest Rapid Rewards PlusChase | Occasional Southwest flyers who want the entry-tier perks — 2x points on Southwest and on gas/grocery spend, a 3,000-point anniversary bonus, and an on-ramp toward the Companion Pass — without the Priority card's $229 AF. | 73 / 100 · Worth considering | Match |
| 80 | BankAmericardBank of America | Balance consolidators who want a clean, no-frills 0% intro window from Bank of America — up to 21 billing cycles on both purchases and balance transfers, with a 5% transfer fee if you move balances within the first 60 days. | 72 / 100 · Worth considering | Match |
| 81 | Citi Diamond PreferredCiti | Balance 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. | 72 / 100 · Worth considering | Match |
| 82 | American Express Business PlatinumAmerican Express | Businesses with real travel volume and enough categorical spend to work the credit stack: 5x Membership Rewards on flights and prepaid hotels booked through Amex Travel, 2x on eligible purchases of $5,000+ and on select business categories (up to $2 million/yr combined), Centurion + Priority Pass lounge access, and a credit stack built for operating expenses — Dell ($150 base, up to $1,000 more after $5,000 in eligible spend), Indeed (up to $360/yr), CLEAR+ ($219/yr), airline incidentals ($200/yr), and Fine Hotels + Resorts/Hotel Collection ($600/yr). At full utilization the $895 fee clears for a business that travels and spends into these buckets. | 67 / 100 · Niche / conditional | Match |
| 83 | OpenSky Secured VisaOpenSky | Applicants with significant credit damage or a bankruptcy history who need a no-credit-check path back — OpenSky runs no credit check at all, so any applicant who can fund the refundable deposit ($200–$3,000, which sets the limit) can apply. It reports to all three bureaus monthly, and the variable APR (~25.64%) is lower than most secured cards. | 67 / 100 · Niche / conditional | Match |
| 84 | American Express PlatinumAmerican Express | Frequent 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, $120 Uber One, $300 Equinox, $300 lululemon, $219 CLEAR+, $155 Walmart+, $200 Oura, and $200 airline incidental, plus Global Entry/TSA PreCheck. At full coupon-book activation, the $895 AF clears. | 66 / 100 · Niche / conditional | Match |
| 85 | Self Visa Credit Builder CardSelf | People who want to build an emergency fund while building credit and can't put cash down upfront — the credit limit is funded by the savings you accumulate in a paired Self Credit Builder Account, so a credit-builder loan and a secured card both report to all three bureaus at once. You get the savings back when the loan is paid off. | 66 / 100 · Niche / conditional | Match |
| 86 | Credit One Bank Platinum VisaCredit One Bank | Applicants rebuilding credit who want an unsecured card that still earns something — no security deposit and 1% cash back on eligible purchases, which is rare in the bad-credit unsecured tier. Pre-qualification is available with no hard pull, and it reports to all three bureaus. | 60 / 100 · Niche / conditional | Match |
| 87 | Indigo Platinum MastercardCeltic Bank (Indigo) | Applicants rebuilding from fair-to-poor credit who want a fully unsecured card and a soft-pull pre-qualification step before any hard inquiry hits their report. Indigo approves well below the mainstream 670+ floor and reports to all three bureaus, with no deposit required. | 46 / 100 · Skip | Match |
| 88 | First PREMIER Bank MastercardFirst PREMIER Bank | Applicants who've been declined by other unsecured builder cards and specifically need a fully unsecured option with no deposit — First PREMIER approves deep into subprime territory that many issuers won't touch, and reports monthly to the major credit bureaus. | 43 / 100 · Skip | Match |
“Match” opens the quiz — answer a few questions to see your best-fit cards. CardRatings partner match. See methodology and disclosure.