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Best rewards picks

Points and perks that stack up on everyday spending. Compare our current picks, matched to your credit profile.

Editor's take: How we pick: we weigh real rewards value, fees, and approval likelihood — not who pays us the most.

Advertiser Disclosure
Great for flat-rate cash backEveryday Cash Card
1,284 reviews
Rewards2% on everything
Annual fee$0
Welcome bonus≈ $200
Intro APR0% for 15 months
  • Unlimited 2% cash back, no categories to track
  • No annual fee, ever
  • Cash back never expires
Apply nowSee details
Great for flexible travelSummit Travel Rewards+
902 reviews
Rewards3x travel & dining, 1x else
Annual fee$95 (waived year 1)
Welcome bonus≈ $750 in travel
Intro APR—
  • No foreign transaction fees
  • Transfer points to travel partners
  • Annual travel credit
Apply nowSee details

More ways to browse

Cash backTravelBalance transfer0% APRSecuredStudent

Frequently asked questions

Used responsibly, a card builds your credit history, protects purchases, and can earn rewards on money you'd spend anyway. The key is paying the balance in full each month to avoid interest.

Start with how you spend. Heavy on groceries and gas? A cash-back card. Travel often? A travel card. Rebuilding? A secured card. Then compare fees and the intro offer against your real habits.

Yes. Secured and starter cards are designed for thin or damaged credit files. Used well, they're a fast on-ramp to better offers within a year.

There's no magic number. What matters is keeping balances low relative to your limits and paying on time. Add cards only when a new one clearly earns its place.