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
Robinhood
Robinhood Gold Card
4.0 3% cash back on everything, for Robinhood Gold subscribers. $0 annual fee
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
Wells Fargo
Wells Fargo One Key+ Card
4.0 Richer OneKeyCash earning for frequent Expedia, Hotels.com and Vrbo travelers. $99 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-
Navy Federal Credit Union
Navy Federal Visa Signature Flagship Rewards
4.0 Navy Federal's travel card: 3x on travel and 2x everywhere else. $49 annual fee 
Citizens
Citizens Spring World Mastercard
4.0 A debt-payoff card with 18 billing cycles of 0% on balance transfers and no annual fee. 18 mo 0% intro $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.