U.S. Bank
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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U.S. Bank
U.S. Bank
U.S. Bank Altitude Connect Visa Signature
4.0 No-fee travel card with 4x on travel and gas and 15 billing cycles of 0% on purchases and balance transfers. 15 mo 0% intro $0 annual fee
U.S. Bank
U.S. Bank Smartly Visa Signature
4.0 Flat 2% cash back that climbs higher for U.S. Bank Smartly Savings customers, with 12 billing cycles of 0%. 12 mo 0% intro $0 annual fee
Citi
Citi Strata Premier
3.5 A $95 travel card with 3x on everyday categories like dining, groceries and gas, and points that transfer to airlines. $95 annual fee
U.S. Bank
U.S. Bank Altitude Go Secured
3.5 A secured card that earns 4x on dining while you build credit. $0 annual fee
U.S. Bank
U.S. Bank Cash+ Secured
3.5 A secured card with 5% cash back in two categories you choose. $0 annual fee
Citi
Citi / AAdvantage Executive
3.0 Premium American Airlines card with Admirals Club membership. $695 annual fee
Citi
Citi / AAdvantage Globe
3.0 Mid-tier American Airlines card with free checked bags and inflight credits. $350 annual fee
Citi
Citi Secured Mastercard
3.0 A no-fee secured card from a major bank for building or rebuilding credit. $0 annual fee
Citi
Costco Anywhere Visa Business (Citi)
3.0 The business version of the Costco card: strong gas, dining and travel rewards with no fee beyond membership. $0 annual fee
U.S. Bank
U.S. Bank Secured Visa
3.0 A basic no-fee secured card for building credit. $0 annual fee
Citi
Citi / AAdvantage Business
2.5 American Airlines business card with the fee waived the first year. $99 annual fee
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
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
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.
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.