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Our Credit Card Explorer lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences.

Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive a commission from card issuers. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Chase Sapphire Preferred® Card

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

☝ Increased Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Get a 50% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

50% until Aug 15
Offer expires on Aug 15, 2025

The elevated 65% bonus has ended – it’s now 50% until August 15th.

Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.

Here is a link to historical transfer bonuses to Marriott Bonvoy.

And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.

That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Jul 17, 2025

Get 20% Bonus Aeroplan® points when you transfer Chase Ultimate Rewards®points between 12:00 AM ET on June 5, 2025 and 11:59 PM ET on July 17, 2025. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply.

Note that if you have the Aeroplan® Credit Card you can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete.

Here is a list of historical transfer bonuses to Aeroplan. They are generally from 20-30%, but the last few have been 20%.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates (although Emirates F is priced at unbookable price levels) as well as Star Alliance flights. Add a stopover for just 5,000 miles!

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Airfare
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Car Rentals
Estimated Rewards Value: 8.75%

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5 x
Hotels
Estimated Rewards Value: 8.75%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Streaming Services
Estimated Rewards Value: 5.25%
2 x
Transit
Estimated Rewards Value: 3.5%
2 x
Cruises
Estimated Rewards Value: 3.5%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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  • Earns valuable and highly flexible Chase Ultimate Rewards points
  • Extensive travel protections -- including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.

Cons

  • A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
  • High credit scores required for account opening.
  • Lack of travel benefits like a Global Entry application fee credit.
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 19.99%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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United Quest℠ Credit Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$350

👑 Best Ever Offer

Earn 100,000 United MileagePlus bonus miles and 3,000 PQP after spending $4,000 on qualifying purchases in the first three months of opening an account.

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 3.6%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Car Rentals
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Hotels
Estimated Rewards Value: 2.4%
2 x
Streaming Services
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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  • Generous United-specific perks (and unique among airline credit cards) including a $200 annual credit on United purchases, two free checked bags, and up to 10,000 miles back on award tickets.
  • Spending on the card helps you earn towards United elite status.
  • Long list of travel and purchase protections.

Pros

  • $200 annual United purchase statement credit that will help offset the $350 annual fee.
  • Up to 10,000 miles back: Automatically get 10,000 United miles back into your account after taking a United award flight, starting with your first cardmember anniversary.
  • Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.

Cons

  • No airport lounge access
  • $350 annual fee is steep at first glance, but easy to maximize for semi-frequent United flyers
  • United miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
Annual Fee: $350
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 20.49%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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All information about the Marriott Bonvoy Bold Credit Card has been collected independently by Your Best Credit Cards.

Marriott Bonvoy Bold Credit Card

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(3.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

👑 Best Ever Offer

Earn 60,000 bonus points and 1 Free Night* (valued up to 50,000 points) after spending $2,000 in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.

3 x
Hotels
Estimated Rewards Value: 1.8%
2 x
Groceries
Estimated Rewards Value: 1.2%

Select Streaming services

2 x
Streaming Services
Estimated Rewards Value: 1.2%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 1.2%
1 x
Everything Else
Estimated Rewards Value: 0.6%
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  • Beginner-friendly travel card with no annual fee and no foreign transaction fees to worry about
  • Automatic Silver elite status with 15 annual elite night credits for holding the card
  • Important travel and purchase coverages, including baggage delay insurance, trip delay reimbursement and purchase protection

Pros

  • No annual fee
  • Automatic Silver elite status in the Marriott Bonvoy program and 15 elite night credits every year
  • Earn 6X Bonvoy points at participating Marriott hotels

Cons

  • Marriott Bonvoy Silver elite status won't get you much besides priority late checkout
  • The card doesn't come with a Marriott free night award
  • The earning rate on non-Marriott purchases is mediocre (2x points on travel purchases and 1x points on all other eligible purchases)
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

APR: 20.24%-27.24% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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Southwest Rapid Rewards® Priority Credit Card

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(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$149

☝ Increased Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. (See Companion Pass Guide!)

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3 x
Airfare
Estimated Rewards Value: 3.75%
2 x
Transit
Estimated Rewards Value: 2.5%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.5%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.5%
2 x
Streaming Services
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • Excellent Southwest-specific perks - including an annual travel credit and bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Solid purchase and travel protections.

Pros

  • $75 Southwest annual travel credit
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Four Upgraded Boarding passes each year

Cons

  • $149 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $149
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 20.49%-27.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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Southwest Rapid Rewards® Plus Credit Card

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(3.7) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$69

☝ Increased Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. (See Companion Pass Guide!)

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

2 x
Airfare
Estimated Rewards Value: 2.5%
2 x
Transit
Estimated Rewards Value: 2.5%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.5%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.5%
2 x
Streaming Services
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
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  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and EarlyBird Check-In more than offset the card's annual fee.
  • Solid travel and purchase protections.

Pros

  • Two Early-Bird Check-Ins each year
  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards

Cons

  • Bonus Spending categories could be better
  • This card does have foreign transaction fees on overseas purchases, unlike the Southwest Premier and Priority credit cards
Annual Fee: $69
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 20.49%-27.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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IHG One Rewards Traveler Credit Card

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(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

⚠️Offer Ending Soon

Earn 120,000 bonus points after spending $2,000 in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

5 x
Hotels
Estimated Rewards Value: 2%
3 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 1.2%
3 x
Gas Stations
Estimated Rewards Value: 1.2%
3 x
Cellular Phone Service
Estimated Rewards Value: 1.2%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.2%
3 x
Streaming Services
Estimated Rewards Value: 1.2%
2 x
Everything Else
Estimated Rewards Value: 0.8%
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  • Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
  • Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
  • Get solid purchase and travel protections

Pros

  • Get a fourth night free on all reward night stays of 4+ nights.
  • No annual fee.
  • Solid sign up bonus points, especially for a no annual fee card.

Cons

  • Doesn't come with a free night award, like the IHG Premier Card
  • Complimentary Silver Elite status doesn't offer many perks
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.

APR: 19.99%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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Card Details
On Citi's Secure Site
Notify me of bonus offer changes

Citi Custom Cash℠ Card

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Bonus points for spend in the following bonus categories:

5 x
Airfare
Estimated Rewards Value: 5%
5 x
Transit
Estimated Rewards Value: 5%
5 x
Car Rentals
Estimated Rewards Value: 5%
5 x
Gas Stations
Estimated Rewards Value: 5%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5 x
Hotels
Estimated Rewards Value: 5%
5 x
Gym Memberships
Estimated Rewards Value: 5%
5 x
Streaming Services
Estimated Rewards Value: 5%
5 x
Drugstores
Estimated Rewards Value: 5%
5 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5 x
Groceries
Estimated Rewards Value: 5%
1 x
Everything Else
Estimated Rewards Value: 1%
+
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Notify me of bonus offer changes
  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
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American Express is an Advertising Partner

Blue Cash Preferred® Card from American Express

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

🎁 Bonus offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

6 x
Groceries
Estimated Rewards Value: 6%

On select U.S. Streaming Services

6 x
Streaming Services
Estimated Rewards Value: 6%
3 x
Transit
Estimated Rewards Value: 3%

At U.S. Gas Stations

3 x
Gas Stations
Estimated Rewards Value: 3%
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  • Earn 6% cash back at U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
  • Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations; and 1% on all other eligible purchases.
  • $0 Introductory Annual Fee for the first year, then $95

Pros

  • Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
  • Monthly statement credits for The Disney Bundle that could potentially save you hundreds of dollars per year
  • 0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)

Cons

  • Charges a $95 annual fee every year after the $0 intro annual fee
  • This card's foreign transaction fee clocks in at 2.7%
  • Blue Cash reward dollars are limited to cash back redemptions
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 0 % Intro APR (on purchases for 12 months, 20.24%-29.24% thereafter)
APR: 0% Intro APR (on balance transfers for 12 months, 20.24%-29.24% thereafter)
Balance
transfer fees:
Either $5 or 3% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Capital One Savor Cash Rewards Credit Card

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

Bonus points for spend in the following bonus categories:

Only earns 5% when booked via Capital One Travel; else 1%

5 x
Car Rentals
Estimated Rewards Value: 5%

Only earns 5% when booked via Capital One Travel; else 1%

5 x
Hotels
Estimated Rewards Value: 5%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3 x
Streaming Services
Estimated Rewards Value: 3%
3 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3%
3 x
Groceries
Estimated Rewards Value: 3%
1 x
Everything Else
Estimated Rewards Value: 1%
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  • No annual fee
  • Earn 3% cash rewards on popular categories
  • No foreign transaction fee

Pros

  • No annual fee
  • Earns 3% back on dining and at grocery stores
  • Excellent Intro 0% APR offers

Cons

  • Only earns 1% cash back on non-bonus categories
  • Does not come with any fancy benefits like airport lounge access
  • Must book via Capital One Travel to get 5% cash back on hotels and rental cars
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-29.24% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-29.24% thereafter)
Balance
transfer fees:
Balance transfer fee applies
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 16, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more
View Table Image
Annual fee
$595
Point value
$0.014
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more

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