Wells Fargo Active Cash® Card Overview

Rating: 4.3 stars out of 5 (Bankrate review)

Approval Odds: Check on Wells Fargo’s secure site

Apply now on Wells Fargo’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: $200 cash rewards

Introductory Offer

  • Rewards Rate: 2%
  • Annual Fee: $0
  • Variable APR: 20.24%, 25.24%, or 29.99% Variable APR

Rewards Details

  • 2% Cash Rewards: Earn unlimited 2% cash rewards on purchases

Pros & Cons

Not only does this card offer a competitive flat rewards rate, but it’s also one of the few 2 percent cash rewards cards that include both a welcome offer and an introductory APR on purchases and qualifying balance transfers.

Pros

  • Cellphone Protection: Paying your cellphone bill each month with this card provides cellphone protection against damage or theft (limit of two up to $600 claims per year, subject to a $25 deductible).
  • Flexible Redemption: Enjoy a variety of flexible redemption options with no minimum requirement to start redeeming cash rewards.

Cons

  • Limited Redemption Options: Reward redemption options are limited to cash rewards; you can’t transfer rewards to travel partners.
  • Foreign Transaction Fee: There is a 3 percent foreign transaction fee, which may disappoint individuals who enjoy traveling abroad.

Card Details

  • Introductory Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Cash Rewards: Earn unlimited 2% cash rewards on purchases.
  • Intro APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. Afterward, a variable APR of 20.24%, 25.24%, or 29.99% applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3%, then a balance transfer fee of up to 5%, with a minimum of $5.
  • Annual Fee: $0
  • Categories: No categories to track or remember, and cash rewards don’t expire as long as your account remains open.
  • Visa Signature® Concierge: Enjoy complimentary 24/7 Visa Signature® Concierge service for various activities.
  • Cell Phone Protection: Receive up to $600 of cellphone protection against damage or theft, subject to a $25 deductible.

Apply Now

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms, and conditions.

Blue Cash Everyday® Card Overview

Rating: 4.6 stars out of 5 (Bankrate review)

Prequalification: Check if you’re prequalified on American Express’s secure site

Apply now on American Express’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: Earn $200

Introductory Offer

  • Rewards Rate: 1% – 3%
  • Annual Fee: $0
  • Variable APR: 19.24% – 29.99% Variable

Rewards Details

  • 3% Cash Back at U.S. supermarkets: on up to $6,000 per year in purchases, then 1%
  • 3% Cash Back on U.S. online retail purchases: on up to $6,000 per year, then 1%
  • 3% Cash Back at U.S. gas stations: on up to $6,000 per year, then 1%
  • 1% Cash Back on other purchases

Pros & Cons

The Blue Cash Everyday card is an excellent no-annual-fee cashback card, particularly for U.S. supermarkets, U.S. gas stations, and U.S. online retailers, offering a fantastic rate in those categories. It’s a cost-effective option for households of almost any size and shoppers, provided they stay within the yearly cap on cash rewards.

Pros

  • No Annual Fee: It has no annual fee, making it a low-cost card for earning rewards on everyday spending.
  • Competitive Intro APR: The introductory APR is competitive and applies to both purchases and balance transfers, providing new cardholders relief from interest charges.

Cons

  • Category Limitations: Wholesale clubs and stores like Target and Walmart don’t count in the U.S. supermarkets category.
  • Cash Back Cap: You’ll earn 3 percent cash back on up to $6,000 of annual spending before the rate drops to 1 percent.

Card Details

  • Introductory Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee: Enjoy no annual fee with this card.
  • Balance Transfer Offer: Enjoy a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a variable APR of 19.24% to 29.99% applies.
  • Category Rewards:
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Special Subscriptions Benefits: Enjoy cashback rewards when you subscribe to the Disney Bundle or Home Chef meal kit subscription.
  • Terms Apply: Be sure to review and understand the applicable terms and conditions.

Apply Now

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms, and conditions.

Wells Fargo Reflect® Card Overview

Rating: 4.3 stars out of 5 (Bankrate review)

Approval Odds: Check on Wells Fargo’s secure site

Apply now on Wells Fargo’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: N/A

Introductory Offer

  • 0% intro APR for 21 months from account opening

Purchase Intro APR

  • 18.24%, 24.74%, or 29.99% Variable APR

Regular APR

  • N/A

Rewards Rate

  • $0 Annual Fee

Pros & Cons

The Wells Fargo Reflect® Card stands out with one of the longest intro APR offers on the market, making it an excellent choice if you need substantial breathing room to manage high-interest debt or pay off new purchases.

Pros

  • Consistent Intro APR Period: Unlike some competitors, this card offers the same length of the intro APR period on both purchases and qualifying balance transfers.
  • Cell Phone Protection: Enjoy cell phone protection against damage or theft (up to $600, subject to a $25 deductible) when you pay your monthly phone bill with the card.

Cons

  • High Balance Transfer Fee: The card’s balance transfer fee is relatively high. Consider a lower-fee card, which might save you more overall, even if it carries a shorter intro APR period.
  • No Rewards Program: The card lacks a rewards program, limiting its long-term value.

Card Details

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms, and conditions.

  • Intro APR: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Afterward, a variable APR of 18.24%, 24.74%, or 29.99% applies. Balance transfers made within 120 days qualify for the intro rate, with a balance transfer fee of 5%, minimum $5.
  • Annual Fee: $0
  • Cell Phone Protection: Enjoy up to $600 of cell phone protection against damage or theft, subject to a $25 deductible.
  • My Wells Fargo Deals: Access personalized deals from various merchants through My Wells Fargo Deals. Earn cash back as an account credit when you shop, dine, or enjoy an experience using an eligible Wells Fargo credit card.

Capital One VentureOne Rewards Credit Card Overview

Rating: 4.1 stars out of 5 (Bankrate review)

Apply now on Capital One’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: N/A

Introductory Offer

  • 0% intro on purchases for 15 months

Purchase Intro APR

  • 19.99% – 29.99% (Variable)

Regular APR

  • 20,000 miles

Intro Offer

  • 1.25 Miles – 5 Miles

Rewards Rate

  • $0 Annual Fee

Rewards Details

  • 5 Miles: 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 1.25 Miles: 1.25 Miles per dollar on every purchase, every day

Pros & Cons

The Capital One VentureOne Rewards Card is an excellent entry-level card for aspiring travelers, featuring no annual fee, a straightforward rewards structure, and standard travel and purchase protections for your on-the-go lifestyle.

Pros

  • Welcome Bonus: The welcome bonus has an easy-to-reach spending requirement, significantly boosting reward earnings in the first year.
  • Intro APR Offers: Unlike many travel rewards cards, it comes with solid intro APR offers.

Cons

  • Credit Requirement: Requires good to excellent credit, narrowing the pool of eligible applicants.
  • Travel Incentives: Travel incentives may not be as noteworthy compared to other top-tier travel rewards cards.

Card Details

  • Annual Fee: $0, and no foreign transaction fees
  • Bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Rewards Earning: Earn unlimited 1.25X miles on every purchase, every day. Miles won’t expire for the life of the account, and there’s no limit to how many you can earn.
  • Travel Benefits: Earn 5X miles on hotels and rental cars booked through Capital One Travel, offering Capital One’s best prices on thousands of trip options.
  • Redemption Options: Use your miles to get reimbursed for any travel purchase or redeem by booking a trip through Capital One Travel.
  • Transfer Options: Transfer your miles to your choice of 15+ travel loyalty programs.
  • Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that. Balance transfer fee applies.
  • No Annual Fee and No Foreign Transaction Fees: The Capital One VentureOne Rewards Card comes with the added advantage of having no annual fee, making it a cost-effective choice for budget-conscious travelers. Additionally, there are no foreign transaction fees, allowing you to use your card globally without incurring extra charges.
  • Welcome Bonus: New cardholders can earn a bonus of 20,000 miles by spending $500 on purchases within 3 months from account opening. This bonus is equivalent to $200 in travel, providing an enticing incentive for early card use.
  • Unlimited 1.25X Miles on Every Purchase: With this card, you earn unlimited 1.25X miles on every purchase, every day. This straightforward rewards structure ensures that you accumulate miles on all your spending, offering flexibility in how you choose to earn and redeem your rewards.
  • 5X Miles on Capital One Travel: For those who frequently book hotels and rental cars, the card offers an attractive rewards rate of 5X miles when booking through Capital One Travel. This feature not only provides additional value but also ensures access to Capital One’s best prices on a wide range of travel options.
  • Redemption Options: Miles earned with the VentureOne card don’t expire for the life of the account, and there’s no limit to how many you can accumulate. You can use your miles to get reimbursed for any travel purchase or redeem them by booking a trip through Capital One Travel. Additionally, the card allows you to transfer your miles to your choice of 15+ travel loyalty programs, providing flexibility in maximizing your rewards.
  • Intro APR Offers: The Capital One VentureOne Rewards Card distinguishes itself by offering competitive intro APR offers. Cardholders can enjoy a 0% intro APR on purchases for 15 months, providing a window of opportunity to make interest-free purchases. After the introductory period, the variable APR ranges from 19.99% to 29.99%. Keep in mind that a balance transfer fee applies.

Apply Now

For those seeking a versatile and beginner-friendly travel rewards card, the Capital One VentureOne Rewards Credit Card presents a compelling option. Take advantage of this specific offer and explore more about the card’s features, terms, and conditions by selecting “Apply Now” on Capital One’s secure site.

Ink Business Cash® Credit Card Overview

Rating: 4.7 stars out of 5 (Bankrate review)

Apply now on Chase’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: N/A

Introductory Offer

  • Earn $750 bonus cash back

Offer Valuation

  • 1% – 5% Rewards Rate

Annual Fee

  • $0

Regular APR

  • 18.49% – 24.49% Variable

Rewards Details

  • 5% Cash Back: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
  • 2% Cash Back: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% Cash Back: Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Pros & Cons

The Ink Business Cash® Credit Card offers one of the best welcome offers for a business card with no annual fee. It provides rewards in popular business spending categories such as office supply stores and internet, cable, and phone services. The card also features an introductory APR offer on new purchases, allowing you to manage large expenses or enhance cash flow in your first year.

Pros

  • Generous Sign-Up Bonus: The card’s sign-up bonus is among the best available for a no-annual-fee business card, making it a favorable choice for businesses with upcoming significant expenses.
  • Extended Intro APR Period: With a longer-than-average intro APR period for a business rewards card, it’s suitable for financing short-term business purchases without compromising long-term rewards value.

Cons

  • Limited Point Transfer Options: While the card earns Ultimate Rewards points, you cannot transfer points to airline or hotel loyalty programs or achieve more than 1 cent per point in redemption value unless combining points with Chase Sapphire cards or the Ink Business Preferred® Credit Card.
  • Potential for Higher Earnings with Flat-Rate Rewards: Depending on spending patterns in this card’s bonus categories, you might earn more with a flat-rate rewards card, even if it entails paying an annual fee.

Card Details

  • Bonus Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
  • Bonus Categories: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.
  • Security Features: Round-the-clock monitoring for unusual credit card purchases. Enjoy Zero Liability, ensuring you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee: The card comes with no annual fee, enhancing its attractiveness for businesses seeking cost-effective solutions.
  • Rewards Redemption: Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Introductory APR: Benefit from a 0% introductory APR for 12 months on purchases.
  • Member FDIC

Apply Now

American Express® Business Gold Card Overview

For a business card offering substantial rewards without an annual fee, the Ink Business Cash® Credit Card presents an enticing option. Take advantage of this exclusive offer and explore more about the card’s features, terms, and conditions by selecting “Apply Now” on Chase’s secure site.

Rating: 5 stars out of 5 (Bankrate review)

Apply now on American Express’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: N/A

Introductory Offer

  • Earn 70,000 points

Rewards Rate

  • 1X – 4X

Annual Fee

  • $295 ($375 if application is received on or after 2/1/24)

Regular APR

  • 19.49% – 27.49% Variable

Rewards Details

  • 4X: Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. You’ll earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 3X: Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • 1X: 1X is earned for other purchases.

Pros & Cons

The American Express® Business Gold Card is recognized as one of the best options for business owners seeking highly rewarding points, especially for those focused on utilizing points for travel. The card offers maximum value when transferring points to travel partner loyalty programs.

Pros

  • Decent Rewards Rate: Along with a competitive rewards rate, the spending categories are well-rounded, covering common business expenses.
  • Welcome Offer Potential: Qualifying for the welcome offer by spending enough can significantly boost your rewards potential in the first year.

Cons

  • High Annual Fee: The annual fee is relatively high compared to other business cards.
  • Lack of Luxury Travel Perks: While offering impressive travel benefits, the card does not provide luxury travel perks like airport lounge access, as seen with some other top-tier business rewards cards.

Card Details

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
  • Rewards Structure:
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. You’ll earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Card Customization: Your Card – Your Choice. Now choose from Gold or Rose Gold.
  • Terms Apply

Capital One SavorOne Cash Rewards Credit Card Overview

Rating: 5 stars out of 5 (Bankrate review)

See your approval odds | Apply now on Capital One’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: N/A

Introductory Offer

  • $200

Rewards Rate

  • 1% – 8%

Annual Fee

  • $0

Regular APR

  • 19.99% – 29.99% (Variable)

Rewards Details

  • 8% Cash Back: on Capital One Entertainment purchases
  • 5% Cash Back: on hotels and rental cars booked through Capital One Travel (terms apply)
  • 3% Cash Back: on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
  • 1% Cash Back: on all other purchases

Pros & Cons

The Capital One SavorOne Cash Rewards Credit Card, serving as a no-annual-fee alternative to the Capital One Savor Cash Rewards Credit Card, maintains competitive rewards with an unlimited 3 percent cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®).

Pros

  • Comprehensive Rewards: A standout rewards card offering extensive spending category coverage, unlimited rewards potential, introductory APR, and a valuable welcome bonus – all without an annual fee.
  • Newbie-Friendly Structure: No annual fee or foreign transaction fees, coupled with automatic cash back redemption, make it an attractive option for those new to credit cards.

Cons

  • Limited Spending Categories: While rewarding popular spending categories, it lacks coverage in areas such as gas, travel, and transit, potentially making rival cards more rewarding based on individual budgets.
  • Amazon.com Redemption Caveats: Exercise caution when redeeming cash rewards on Amazon.com, as there are restrictions on certain items.

Card Details

  • Welcome Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
  • Unlimited 3% Cash Back: on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
  • Uber & Uber Eats Rewards: Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
  • Additional Rewards:
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply.
  • No Rotating Categories: or sign-ups needed to earn cash rewards; cash back won’t expire for the life of the account, and there’s no limit to how much you can earn.
  • Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies.
  • No Foreign Transaction Fee
  • No Annual Fee

Chase Sapphire Preferred® Card Overview

Rating: 4.9 stars out of 5 (Bankrate review)

See your approval odds | Apply now on Chase’s secure site

Credit Range: Good to Excellent (670 – 850)

Recommended Credit: N/A

Introductory Offer

  • 60,000 bonus points
  • $1200 offer valuation

Rewards Rate

  • 2x – 5x

Annual Fee

  • $95

Regular APR

  • 21.49% – 28.49% Variable

Rewards Details

  • 5x: on travel purchased through Chase Ultimate Rewards®
  • 3x: on dining
  • 2x: on all other travel purchases, plus more

What You Should Know

What We Love:
Despite its low annual fee, the Chase Sapphire Preferred® Card offers impressive travel protections and rewards rates on both travel and everyday purchases, making it an excellent choice for frequent travelers. It stands out for its high-value points and transfer partners, providing terrific short- and long-term value, especially when paired with other Chase cards.

Learn More:
Why expert Margaret Wack loves the Chase Sapphire Preferred

Alternative:
The Citi Premier® Card could be another worthwhile option if you want to earn rewards in more everyday bonus categories (like gas). A flat-rate rewards card like the Capital One Venture Rewards Credit Card could also make it easier to earn miles on purchases that fall outside of typical travel card bonus categories.

Pros

  • Annual Hotel Statement Credits: and anniversary points bonus can justify the annual fee.
  • High-Value Points: Ultimate Rewards points are among the most valuable rewards. Redeem for cash back, transfer to an airline or hotel partner, or book with Chase for a 25-percent boost to your point value.

Cons

  • Lack of Flight-Focused Perks: Doesn’t offer flight-focused travel perks like airport lounge access or free checked bags.
  • Limited Grocery Rewards: The grocery rewards rate applies only to eligible online grocery purchases, potentially limiting its appeal for everyday rewards.

Card Details

  • Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Rewards Structure:
  • 5x on travel purchased through Chase Ultimate Rewards®
  • 3x on dining
  • 2x on all other travel purchases, and more.
  • $50 Annual Ultimate Rewards Hotel Credit: Plus more benefits.
  • Value Boost: Get 25% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Travel Protections: Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.
  • DashPass Access: Get complimentary access to DashPass, unlocking $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC