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Capital One SavorOne Cash Rewards Credit Card
On Capital One's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 8% Cash Back
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More
Welcome Bonus
Earn $200 Cash Bonus
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Editorial Review
The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores (excluding superstores like Walmart® and Target®) and on entertainment. With its 3% cash back rate in those categories, it’s a win for socialites that don’t want to pay for an annual fee.
Pros & Cons
- No annual fee
- Increased cash back on dining and entertainment
- No foreign transaction fees
- Easy-to-redeem cash-back rewards
- Introductory APR on purchases and balance transfers
- High standard rate APR
- Limited cash-back reward categories
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn 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
- 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, 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; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 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
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Everyday Credit Cards of 2024
Best Flexible Rewards Credit Card For Everyday Spending
Capital One Venture X Rewards Credit Card
On Capital One's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Why We Picked It
Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Secured Credit Card For Everyday Use
Discover it® Secured Credit Card
On Discover's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 2% Reward Rate
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. PlusRead More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
28.24% Variable APR
Credit Score
New/Rebuilding Credit
Why We Picked It
In the secured credit world, the Discover it® Secured Credit Card stands above the competition. With an unlimited 1% cash back rate on all purchases, plus 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, no penalty APR and no annual fee, we love this card for those who need to rebuild their credit. The matching cash back reward at the end of your first year is a sweet bonus.
Pros & Cons
- No annual fee
- Cash back rewards earning is uncommon for a secured card
- Free FICO score access each month
- Cashback Match doubles cash back rewards earning at the end of the first year
- Bonus category rewards are capped
- Secured cards don’t provide many of the perks unsecured cards do
- Secured cards require refundable deposits
Card Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Student Credit Card For Everyday Purchases
Discover it® Student Cash Back
On Discover's Website
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 5% Reward Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations,Read More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
18.24% - 27.24% Variable APR
Credit Score
Fair/New to Credit
Why We Picked It
Here’s an excellent way for students with average or limited credit scores to gain experience managing credit. No annual fee, no penalty APR, plus up to 5% cashback rewards in rotating categories (up to a quarterly cap with enrollment, 1% back on other purchases) earn this card an “A” in our book.
Pros & Cons
- 5% cashback on rotating bonus categories after enrollment
- First-year cash-back match
- 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Unlimited 2% Rewards Rate
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
$200 Cash Rewards
Annual Fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.
Pros & Cons
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Cell phone protection benefit
- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 10X Reward Rate
Earn 3 points per dollar at restaurants, supermarkets, gas stations, hotels and air travel. 1 point per dollar on allRead More
Welcome Bonus
60,000 points
Annual Fee
$95
Regular APR
21.24% - 29.24% (Variable)
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
With 3 points earned per $1 spent on many travel staples and at gas stations, the Citi Premier Card could be a perfect fit for road warriors and frequent travelers. The card’s high APR and lack of an intro APR offer make it a poor choice for anyone looking to carry a balance.
Pros & Cons
- Flexible travel redemption options
- No foreign transaction fee
- Add authorized users for no additional cost
- Annual fee with no first-year waiver
- No intro APR offer
- No travel or purchase protections
Card Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Earn 60,000 bonus points after you spend $4,000 in purchases with your card within 3 months of account opening; redeemable for $600 in gift cards at thankyou.com
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Everyday Credit Card For Dining and Entertainment
Capital One SavorOne Cash Rewards Credit Card
On Capital One's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 8% Cash Back
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More
Welcome Bonus
Earn $200 Cash Bonus
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores (excluding superstores like Walmart® and Target®) and on entertainment. With its 3% cash back rate in those categories, it’s a win for socialites that don’t want to pay for an annual fee.
Pros & Cons
- No annual fee
- Increased cash back on dining and entertainment
- No foreign transaction fees
- Easy-to-redeem cash-back rewards
- Introductory APR on purchases and balance transfers
- High standard rate APR
- Limited cash-back reward categories
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn 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
- 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, 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; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 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
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Everyday Credit Card For Groceries
Blue Cash Preferred® Card from American Express
On American Express's Website
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 6% Reward Rate
Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cashRead More
Welcome Bonus
Earn $250
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
19.24%-29.99% Variable
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
Big spenders at US supermarkets and road warriors who frequently spend at US gas stations or transit like taxis, rideshares or transit can rack up impressive cash back rewards.
Pros & Cons
- High cash-back rewards in several categories of spending
- No enrollment is required, cash back is automatic
- Comes with several travel benefits and protections
- Charges an annual fee
- 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%)
Card Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bilt's Website
Up to 3x Reward Rate
1x on rent payments with no transaction fee (on up to 100,000 points each calendar year). 2x points on travelRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
See terms
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
Pay rent, earn rewards and use your earnings for travel. Sounds like a great way to maximize your rent money to us.
Pros & Cons
- Earn rewards on rent
- Primary car rental and cell phone insurance
- Points can be transferred to partners
- Requires five card transactions per statement period to earn rewards
- No welcome bonus
- High regular APR range
- Rewards outside of rent spend are relatively low compared to other cards
Card Details
- Earn points when you make 5 transactions that post each statement period
- $0 annual fee
- 1x points on rent payments with no transaction fee (on up to 100,000 points each calendar year)
- 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company)
- 3x points on dining
- Plus 1x points on other purchases
- Cell Phone Insurance
- Purchase security (theft and damage protection)
- Mastercard® World Elite Concierge
- Lyft Credits
- No foreign currency conversion fee
- Rewards & benefits terms
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Everyday Credit Card For Membership Rewards
Amex EveryDay® Credit Card *
3.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2x Reward Rate
Earn 2X points at US supermarkets on up to $6,000 per year (then 1X); Earn 2X points at American ExpressRead More
Welcome Bonus
Earn 10,000 points
Annual Fee
$0
Regular APR
18.24% - 29.24% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you.
Pros & Cons
- Possible to earn 20% bonus on all points earned
- 2 Membership Rewards points per dollar on up to $6,000 spent annually at U.S. supermarkets (then 1 point per dollar)
- No annual fee
- 2.7% foreign transaction fee
- Spending cap on bonus points at grocery stores
- Requires 20 purchases per month to earn 20% bonus
Card Details
- Earn 10,000 membership rewards points after spending $2,000 in qualifying purchases in the first 6 months of card membership
- Earn 2 points per dollar spent on qualifying purchases at US supermarkets up to $6,000 per year (then 1 point)
- Earn 2 points for every dollar when you use your card to book your trip through American Express Travel
- Earn 1 point for every eligible dollar you spend on everything else
- You can use membership rewards points towards eligible charges you make on your card, such as retail, dining, entertainment and more
- Use your card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases
All information about Amex EveryDay® Credit Card has been collected independently by Forbes Advisor
All information about Amex EveryDay® Credit Card has been collected independently by Forbes Advisor
Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best All-Purpose Everyday Spending Card
Chase Freedom Unlimited®
On Chase Bank USA, NA's Website
3.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 6.5X Reward Rate
Earn an additional 1.5% cash back on up to $20,000 spent in the first year, after that 5% on ChaseRead More
Welcome Bonus
Up to $300 cash back
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases
Pros & Cons
- Generous welcome offer for a no annual fee card
- Unlimited 1.5% minimum earn rate for cash-back rewards
- No minimum redemption amount
- Foreign transaction fee
- Ongoing balance transfer fee is high
- Requires a companion card to transfer points to travel partners
Card Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 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.
- No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee –You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.