Robinhood
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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Robinhood
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SoFi Bank
SoFi Everyday Cash Rewards
3.5 Up to 2% back for SoFi members who redeem into a SoFi account. $0 annual fee 
Alliant Credit Union
Alliant Cashback Visa Signature
3.0 No-fee cash back from a large credit union with an 18% APR cap. $0 annual fee-
BECU
BECU Cash Back Visa
3.0 Simple 1.5% cash back from a large Pacific Northwest credit union. $0 annual fee -
Barclays
Barclays View Mastercard
3.0 No-fee points on dining and household bills like internet and phone. $0 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.