Citi
Cards
Rates, fees, 0% offers and rewards for the credit cards people actually carry, with how to pay and contact each issuer. Free to use, no sign-up needed. We are not paid by any card issuer.
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Citi
Citi
Wayfair Credit Card (Citi)
2.5 Rewards and financing offers on Wayfair and its sister brands. $0 annual fee
U.S. Bank
U.S. Bank Business Leverage Visa Signature
2.5 2x points automatically in your top two spending categories each month. $95 annual fee-
Barclays
Wyndham Rewards Earner Business Card (Barclays)
2.5 Wyndham business card with Diamond status and 8x on stays and gas. 19.49%–29.49% APR $149 annual fee 
American Express
Business Green Rewards Card from American Express
2.5 Entry-level Amex business charge card earning transferable Membership Rewards points. Charge card $95 annual fee
OpenSky
OpenSky Secured Visa
2.5 A secured card with no credit check to apply, for building credit from scratch. 21.14% APR $35 annual fee
Chase
United Business Card (Chase)
2.0 United business card with free checked bags and 2x on common business categories. 19.74%–28.24% APR $150 annual fee
American Express
Delta SkyMiles Gold Business American Express Card
2.0 Delta business card with a free checked bag and the fee waived the first year. $150 annual fee
Citi
Exxon Mobil Smart Card+ (Citi)
2.0 A gas card that saves per gallon at Exxon and Mobil stations. $0 annual fee
Citi
Bloomingdale's Credit Card (Citi)
2.0 Loyallist points and cardholder perks at Bloomingdale's. $0 annual fee-
Merrick Bank
Merrick Bank Mastercard (Double Your Line)
2.0 A credit-building card whose limit can double after on-time payments. $72 annual fee 
Chase
Chase Freedom (original)
Closed to new applicants The original Chase Freedom card with 5% rotating categories. No longer offered, but existing accounts keep working.
Citi
Citi Custom Cash
Closed to new applicants 5% back automatically on your top spending category each billing cycle. No longer open to new applicants.
American Express
American Express EveryDay
Closed to new applicants A no-fee Membership Rewards card. No longer open to new applicants.
How we rate cards
Every card is scored the same way against other cards in its category, from 1 to 5 stars in half steps. We use four measures, weighted by what matters most for that kind of card:
- 0% intro period: longer is better; 21 months scores full marks. Near-0% offers (under 2%, as some credit unions offer) count too.
- Regular APR: the lowest advertised rate; 14% scores full marks, 30% scores zero. Charge cards with no APR score in the middle; store cards whose APR we couldn’t confirm score zero, since store card rates are almost always 30% or more.
- Annual fee: $0 scores full marks; for travel cards, fees are judged against $1,000.
- Rewards: the rate on everyday spending (2% is full marks) and the best bonus category (6% is full marks). Points and miles are counted at typical values: about 1¢ for most bank points and airline miles, 0.5–0.7¢ for Hilton, IHG and Marriott points, and about 1.5¢ for Hyatt points. Store discounts count only at that store.
For balance transfer cards, the intro period counts most. For cash back, travel and business cards, rewards count most. For credit-building cards, low fees count most. Cards closed to new applicants aren’t rated. The rating is a quick comparison, not advice: the best card for you depends on your balance, credit and spending.