Best Credit Cards of April 2023

Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

It’s a terrific time to open a new credit card, especially if you’re looking to earn points, miles, or cash back for a trip or to offset expenses. Many cards are offering limited-time elevated welcome bonuses or generous 0% APR offers that can help you save money on interest.

It’s impossible to name one single best credit card, given the wide range of benefits, rewards, and annual fees available. But if you’re looking to find the best credit card for you, breaking it down by category is a good way to approach your search.

Featured Offer – BEST TRAVEL REWARDS CARD OVERALL

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Annual Fee

$95

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Apply now

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Annual Fee

$95

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

View Full Details

Apply now

On Chase’s website

Chase Sapphire Preferred® Card

Rewards

Annual Fee

$95

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

20.49% – 27.49% Variable

This guide highlights the best credit card option for several different types of users. If you want a to-the-point recommendation for maximizing your spending and enjoying benefits like an intro APR period, this guide will help you find a quick answer.

Compare the Best Credit Cards

Best card for flat-rate cash rewards earning

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

4.3/5

Annual Fee

Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening

Rewards

Earn unlimited 2% cash rewards on purchases.

Apply now

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

4.3/5

Annual Fee

Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening

Rewards

Earn unlimited 2% cash rewards on purchases.

View Full Details

Apply now

On Wells Fargo’s website

Wells Fargo Active Cash® Card

Rewards

Earn unlimited 2% cash rewards on purchases.

Annual Fee

Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

19.74%, 24.74%, or 29.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

Editor’s Rating

4.3/5

Best cash-back card for everyday spending

Chase Chase Freedom Unlimited®

Chase Freedom Unlimited®

4.35/5

Annual Fee

Intro offer

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Rewards

Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Apply now

Chase Chase Freedom Unlimited®

Chase Freedom Unlimited®

4.35/5

Annual Fee

Intro offer

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Rewards

View Full Details

Apply now

On Chase’s website

Chase Freedom Unlimited®

Rewards

Annual Fee

Intro offer

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

19.49% – 28.24% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on purchases and balance transfers for the first 15 months

Editor’s Rating

4.35/5

Best rewards card for high earning in everyday categories

Wells Fargo Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

4.3/5

Annual Fee

Intro offer

20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening

Rewards

1x – 3x points

Apply now

Wells Fargo Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

4.3/5

Annual Fee

Intro offer

20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening

Rewards

1x – 3x points

View Full Details

Apply now

On Wells Fargo’s website

Wells Fargo Autograph℠ Card

Rewards

1x – 3x points

Annual Fee

Intro offer

20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

19.74%, 24.74%, or 29.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on purchases for 12 months from account opening

Editor’s Rating

4.3/5

Best travel rewards card overall

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

4.4/5

Annual Fee

$95

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Apply now

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

4.4/5

Annual Fee

$95

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards

View Full Details

Apply now

On Chase’s website

Chase Sapphire Preferred® Card

Rewards

Annual Fee

$95

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

20.49% – 27.49% Variable

Editor’s Rating

4.4/5

Best travel rewards card for beginners

Capital One Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

4.55/5

Annual Fee

$95

Intro offer

75,000 miles after spending $4,000 on purchases within 3 months from account opening

Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

Apply now

Capital One Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

4.55/5

Annual Fee

$95

Intro offer

75,000 miles after spending $4,000 on purchases within 3 months from account opening

Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

View Full Details

Apply now

On Capital One’s website

Capital One Venture Rewards Credit Card

Rewards

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

Annual Fee

$95

Intro offer

75,000 miles after spending $4,000 on purchases within 3 months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

20.74% – 28.74% Variable

Intro Annual Percentage Rate (APR)

N/A

Editor’s Rating

4.55/5

Best premium travel card

Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

4.85/5

Annual Fee

$395

Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Apply now

Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

4.85/5

Annual Fee

$395

Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

View Full Details

Apply now

On Capital One’s website

Capital One Venture X Rewards Credit Card

Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Annual Fee

$395

Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Recommended Credit

Excellent

Regular Annual Percentage Rate (APR)

21.74% – 28.74% Variable

Editor’s Rating

4.85/5

Best cash-back card for families

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

3.5/5

Annual Fee

$0 intro for the first year, then $95

Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening

Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.

Apply now

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

3.5/5

Annual Fee

$0 intro for the first year, then $95

Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening

Rewards

View Full Details

                                          
                                                  $0 intro for the first year, then $95

                                                  Annual Fee

Apply now

On American Express’s website

Blue Cash Preferred® Card from American Express

Rewards

Annual Fee

$0 intro for the first year, then $95

Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

18.74% – 29.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Editor’s Rating

3.5/5

Best card for automatically customizing rewards

Citi Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

4/5

Annual Fee

Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

Apply now

Citi Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

4/5

Annual Fee

Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

View Full Details

Apply now

On Citibank’s website

Citi Custom Cash℠ Card

Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

Annual Fee

Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

18.74% – 28.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers and purchases for 15 months

Editor’s Rating

4/5

Best premium card for travel and dining

Chase Chase Sapphire Reserve®

Chase Sapphire Reserve®

4.4/5

Annual Fee

$550

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Rewards

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Apply now

Chase Chase Sapphire Reserve®

Chase Sapphire Reserve®

4.4/5

Annual Fee

$550

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Rewards

View Full Details

Apply now

On Chase’s website

Chase Sapphire Reserve®

Rewards

Annual Fee

$550

Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

21.49% – 28.49% Variable

Editor’s Rating

4.4/5

Best card for earning travel rewards on dining and groceries

American Express American Express® Gold Card

American Express® Gold Card

4.3/5

Annual Fee

$250

Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership

Rewards

Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.

Apply now

American Express American Express® Gold Card

American Express® Gold Card

4.3/5

Annual Fee

$250

Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership

Rewards

View Full Details

Apply now

On American Express’s website

American Express® Gold Card

Rewards

Annual Fee

$250

Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

See Pay Over Time APR

Editor’s Rating

4.3/5

Best cash-back card for dining, groceries, and entertainment with no annual fee

Capital One Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

4.15/5

Annual Fee

Intro offer

$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Rewards

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

Apply now

Capital One Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

4.15/5

Annual Fee

Intro offer

$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Rewards

View Full Details

Apply now

On Capital One’s website

Capital One SavorOne Cash Rewards Credit Card

Rewards

Annual Fee

Intro offer

$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

19.74% – 29.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)

Editor’s Rating

4.15/5

Best card for gas (including EV charging)

U.S. Bank U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

3.9/5

Annual Fee

$0 intro for the first year, then $95

Intro offer

50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening

Rewards

Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.

Learn more

U.S. Bank U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

3.9/5

Annual Fee

$0 intro for the first year, then $95

Intro offer

50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening

Rewards

View Full Details

                                          
                                                  $0 intro for the first year, then $95

                                                  Annual Fee

Learn more

On U.S. Bank’s website

U.S. Bank Altitude® Connect Visa Signature® Card

Rewards

Annual Fee

$0 intro for the first year, then $95

Intro offer

50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening

Recommended Credit

Excellent/Good

Regular Annual Percentage Rate (APR)

20.24% – 28.24% Variable

Editor’s Rating

3.9/5

Best card for rotating categories and flexible redemptions

Chase Chase Freedom Flex℠

Chase Freedom Flex℠

4.4/5

Annual Fee

Intro offer

$200 after spending $500 on purchases in the first three months from account opening

Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

Learn More

Chase Chase Freedom Flex℠

Chase Freedom Flex℠

4.4/5

Annual Fee

Intro offer

$200 after spending $500 on purchases in the first three months from account opening

Rewards

View Full Details

Learn More

Chase Freedom Flex℠

Rewards

Annual Fee

Intro offer

$200 after spending $500 on purchases in the first three months from account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

19.49% – 28.24% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on purchases and balance transfers for the first 15 months

Editor’s Rating

4.4/5

Best card for rotating cash-back categories

Discover Discover it® Cash Back

Discover it® Cash Back

3.8/5

Annual Fee

Intro offer

Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Apply now

Discover Discover it® Cash Back

Discover it® Cash Back

3.8/5

Annual Fee

Intro offer

Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year

Rewards

View Full Details

Apply now

On Discover’s website

Discover it® Cash Back

Rewards

Annual Fee

Intro offer

Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

16.74% – 27.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR for 15 months on purchases and balance transfers

Editor’s Rating

3.8/5

Best card for choosing your own cash back categories

U.S. Bank U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

4/5

Annual Fee

Intro offer

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

Rewards

Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. Earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. Earn 1% cash back on all other eligible purchases.

Apply now

U.S. Bank U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

4/5

Annual Fee

Intro offer

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

Rewards

View Full Details

Apply now

On U.S. Bank’s website

U.S. Bank Cash+® Visa Signature® Card

Rewards

Annual Fee

Intro offer

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

19.24% – 29.24% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on purchases and balance transfers for the first 15 billing cycles

Editor’s Rating

4/5

Best cash-back card for fair or average credit

Capital One Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

3.1/5

Annual Fee

$39

Intro offer

N/A

Rewards

Earn unlimited 1.5% cash back on all purchase

Apply now

Capital One Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

3.1/5

Annual Fee

$39

Intro offer

N/A

Rewards

Earn unlimited 1.5% cash back on all purchase

View Full Details

Apply now

On Capital One’s website

Capital One QuicksilverOne Cash Rewards Credit Card

Rewards

Earn unlimited 1.5% cash back on all purchase

Annual Fee

$39

Intro offer

N/A

Recommended Credit

Average, Fair and Limited

Regular Annual Percentage Rate (APR)

29.99% Variable

Editor’s Rating

3.1/5

Best cash-back card for balance transfers

Citi Citi® Double Cash Card

Citi® Double Cash Card

3.65/5

Annual Fee

Intro offer

0% intro APR on balance transfers for 18 months, then 18.74% – 28.74% variable APR

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Apply now

Citi Citi® Double Cash Card

Citi® Double Cash Card

3.65/5

Annual Fee

Intro offer

0% intro APR on balance transfers for 18 months, then 18.74% – 28.74% variable APR

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

View Full Details

Apply now

Apply online at Citibank’s website.

Citi® Double Cash Card

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual Fee

Intro offer

0% intro APR on balance transfers for 18 months, then 18.74% – 28.74% variable APR

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

18.74% – 28.74% Variable

Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers for 18 months

Editor’s Rating

3.65/5

Best card for earning travel rewards in multiple categories

Citi Citi Premier® Card

Citi Premier® Card

4.1/5

Annual Fee

$95

Intro offer

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening

Rewards

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

Apply now

Citi Citi Premier® Card

Citi Premier® Card

4.1/5

Annual Fee

$95

Intro offer

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening

Rewards

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

View Full Details

Apply now

Apply online at Citibank’s website.

Citi Premier® Card

Rewards

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

Annual Fee

$95

Intro offer

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

20.74% – 28.74% Variable

Editor’s Rating

4.1/5

Best for long intro 0% APR on purchases and balance transfers

Wells Fargo Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

2.81/5

Annual Fee

Intro offer

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers (three months intro APR extension with on-time minimum payments during the intro period), then 17.74% – 29.74% variable APR

Rewards

N/A

Apply now

Wells Fargo Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

2.81/5

Annual Fee

Intro offer

Rewards

N/A

View Full Details

Apply now

On Wells Fargo’s website

Wells Fargo Reflect® Card

Rewards

N/A

Annual Fee

Intro offer

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

17.74% – 29.74% variable

Intro Annual Percentage Rate (APR)

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers (three months intro APR extension with on-time minimum payments during the intro period)

Editor’s Rating

2.81/5

Best secured rewards card for building credit

Discover Discover it® Secured Credit Card

Discover it® Secured Credit Card

3.6/5

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