💳Cashback, travel, and no-fee options

Best US Credit Cards

Five well-known cards covering the main use cases — flat cashback, rotating categories, travel points, and a 0% APR option — so you can match the card to how you actually spend.

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Top Pick
#1

Chase Sapphire Preferred

Best for Travel
  • $95 annual fee
  • 5x points on Chase Travel, 3x dining/streaming/groceries, 2x other travel
  • Flexible, transferable travel points

75,000 bonus points after spending $5,000 in the first 3 months

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#2

Citi Double Cash

Best Flat-Rate Cashback
  • $0 annual fee
  • 2% flat cash back on everything (1% on purchase + 1% as you pay it off)
  • ~18-month 0% intro APR on balance transfers

$200 cash back after $1,500 spend in 6 months (per third-party reporting)

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#3

Discover it Cash Back

Best First-Year Value
  • $0 annual fee
  • 5% cash back on rotating quarterly categories (up to $1,500 spend, activation required), 1% elsewhere
  • Discover matches all cash back earned in year one
View Offer
#4

Capital One Quicksilver

Best No-Fuss Starter Card
  • $0 annual fee
  • 1.5% flat cash back on everything
  • 5% on hotels & rental cars via Capital One Travel

$200 cash bonus after spending $500 in the first 3 months

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#5

Wells Fargo Active Cash

Best Cashback + 0% APR Combo
  • $0 annual fee
  • 2% flat cash back on purchases
  • 0% intro APR for 12 months on purchases & balance transfers

$200 cash rewards bonus after spending $500 in the first 3 months

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We may earn a commission if you're approved through these links, at no extra cost to you. Affiliate disclosure. Last updated September 2026.

Sources & References

  1. Sapphire Preferred product page — Chase (Accessed September 2026)
  2. Discover it Cash Back — Discover (Accessed September 2026)
  3. Quicksilver Cash Rewards — Capital One (Accessed September 2026)
  4. Active Cash card — Wells Fargo (Accessed September 2026)

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