💳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

View Offer
#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 pageChase (Accessed September 2026)
  2. Discover it Cash BackDiscover (Accessed September 2026)
  3. Quicksilver Cash RewardsCapital One (Accessed September 2026)
  4. Active Cash cardWells Fargo (Accessed September 2026)

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