Credit Cards
Wells Fargo Active Cash® Card
| Annual fee | 0 |
| Regular APR | 20.24%, 25.24%, or 29.99% Variable APR |
| Intro APR | 0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers |
| Balance Transfer Fee | 3% for 120 days from account opening, then up to 5%, min: $5 |
| Reward Rate | 2% Cashback |
| Recommended Credit Score | 690-850(Good - Excellent) |
High rewards rate
No annual fee
Intro APR period
No bonus categories
Chase Freedom Unlimited®
| Annual fee | 0 |
| Rewards Rate | 2% Cashback |
| Intro Offer | Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. |
| Recommended Credit Score | 690-850(Good - Excellent) |
No annual fee
Intro APR period
High rewards rate
No minimum redemption amount
Requires good/excellent credit
Capital One SavorOne Cash Rewards Credit Card
| Annual fee | 0 |
| Rewards Rate | 1%-10% Cashback |
| Intro Offer | Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. |
| Recommended Credit Score | 690-850(Good - Excellent) |
No annual fee
Intro APR period
Bonus categories
No foreign transaction fees
Requires good/excellent credit
Discover it® Cash Back
| Annual fee | 0 |
| Rewards Rate | 1%-5% Cashback |
| Intro Offer | Cashback Match |
| Recommended Credit Score | 690-850(Good - Excellent) |
No annual fee
Intro APR period
Bonus categories
Cash rewards
Complicated rewards
Spending caps on bonus rewards
Lower acceptance abroad
Best Credit Cards of January 2024
From lucrative sign-up bonuses to generous rewards, NerdWallet’s top credit cards stand out. Compare these deals from our partners to find the one that suits your needs.
Wells Fargo Active Cash® Card
Enjoy 2% cash back on purchases and seize a compelling bonus offer and an intro APR period. Apply Now on Forbes’ website.
Chase Freedom Unlimited®
Earn bonus cash back in popular categories, including dining and some travel, with a competitive rate on all other purchases. Avail of a solid bonus offer. Apply Now on NerdWallet’s website.
Capital One SavorOne Cash Rewards Credit Card
This card emphasizes food and entertainment rewards, offering an unlimited 3% cash back at restaurants, grocery stores, streaming, and more. Apply Now on Bankrate’s website.
Discover it® Cash Back
Featuring a high rewards rate in rotating categories and a generous intro APR offer, this card stands out. Apply Now on CNBC’s website.
U.S. Bank Cash+ Visa Signature Card
Earn 5% cash back on your first $2,000 in eligible net purchases each quarter on combined two categories. Apply Now on Fortune’s website.
Chase Sapphire Preferred® Card
With rich, flexible rewards in various categories, multiple transfer partner options, and a substantial sign-up bonus, this card is a top choice. Apply Now on U.S. Bank’s website.
Blue Cash Preferred® Card from American Express
Boasting an industry-leading cash back rate at U.S. supermarkets, this card is worth the annual fee. Apply Now on US News Money’s website.
FAQs
Q: What makes the Wells Fargo Active Cash® Card stand out?
A: The Wells Fargo Active Cash® Card offers a high flat rate of 2% cash back on all purchases, along with a lucrative sign-up bonus and an introductory APR period.
Q: How does the Chase Freedom Unlimited® excel in bonus rewards?
A: The Chase Freedom Unlimited® provides bonus cash back in popular categories, including dining and travel, coupled with a competitive rate on all other purchases.
Q: Why is the Discover it® Cash Back unique?
A: The Discover it® Cash Back stands out with a high rewards rate in rotating categories, a generous intro APR offer, and a distinctive cashback match feature.
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