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37 widely available US cards, organized by what they are good for. Filter by type, fee, credit range and features, then compare up to three side by side. Not sure where to start? Try the Card Finder quiz .
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Cards
No cards match those filters. Try removing one. Some tags (like crypto rewards) have no cards in our catalog yet.
Capital One · Visa or Mastercard (varies) · Personal
Flat-rate cash back
Flat cash back of about 1.5% on purchases.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Cash back
Chase · Visa · Personal
Flat-rate cash back
Unlimited base of about 1.5% back, with higher earn on dining, drugstores and travel booked through Chase Travel.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Citi · Mastercard · Personal
Flat-rate cash back
About 2% cash back on purchases, typically split between when you buy and when you pay.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Wells Fargo · Visa · Personal
Flat-rate cash back
Flat cash rewards of about 2% on purchases.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Amex · Personal
Category bonus (grocery, dining, gas & more)
Elevated cash back at US supermarkets (lower than Preferred) plus other everyday categories.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Capital One · Visa or Mastercard (varies) · Personal
Category bonus (grocery, dining, gas & more)
Elevated cash back on dining, groceries, entertainment and streaming-style categories; 1% on everything else.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Cash back
Chase · Mastercard · Personal
Category bonus (grocery, dining, gas & more)
About 5% on rotating quarterly categories (activation and caps apply), plus bonus earn on dining, drugstores and Chase Travel.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Cash back
Citi · Mastercard · Personal
Category bonus (grocery, dining, gas & more)
Closed to new applicants as of May 28, 2026
5% automatically on your top eligible spend category each billing cycle, up to a monthly spending cap; 1% on all other purchases.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Discover · Personal
Category bonus (grocery, dining, gas & more)
Rotating 5% quarterly categories (activation and caps apply); 1% on everything else.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Cash back
Wells Fargo · Visa · Personal
Category bonus (grocery, dining, gas & more)
Elevated points on restaurants, travel, gas, transit, streaming and phone plans.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Fixed-value points
Amex · Personal
Category bonus (grocery, dining, gas & more)
High cash back at US supermarkets and select streaming, plus other elevated categories. Caps apply.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Capital One · Visa · Personal
Travel: transferable points
Miles on every purchase; redeem to erase travel purchases or move to transfer partners.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Chase · Visa · Personal
Travel: transferable points
Bonus points on Chase Travel, dining, gas, streaming and online groceries; Ultimate Rewards transfer to airline and hotel partners.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Citi · Mastercard · Personal
Travel: transferable points
Elevated ThankYou® points on air travel, hotels, restaurants, groceries and gas.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Amex · Personal
Travel: transferable points
High Membership Rewards earn on restaurants and US supermarkets (caps apply), plus flights booked directly with airlines or via Amex Travel.
Annual fee $250+
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Capital One · Visa · Personal
Travel: transferable points
Around 2x miles everywhere plus strong Capital One Travel multipliers; anniversary miles and a travel credit.
Annual fee $250+
Credit typically targeted Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Chase · Visa · Personal
Travel: transferable points
Higher travel and dining earn plus premium credits and lounge-style perks; Ultimate Rewards transfer partners.
Annual fee $250+
Credit typically targeted Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Amex · Personal
Travel: transferable points
High earn on flights (direct with airlines or via Amex Travel) and prepaid hotels via Amex Travel; extensive credits and lounge access.
Annual fee $250+
Credit typically targeted Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Citi · Mastercard · Personal
Airline co-brand
AAdvantage miles with bonus earn on eligible American Airlines purchases and grocery stores.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Co-brand miles / points
Chase · Visa · Personal
Airline co-brand
Southwest Rapid Rewards points on Southwest and everyday purchases, plus anniversary points.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Amex · Personal
Airline co-brand
Delta miles with bonus earn on Delta purchases and everyday categories; checked-bag style perks.
Annual fee $100–$249
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Chase · Visa · Personal
Airline co-brand
United miles with bonus earn on United, dining and hotel stays; checked-bag and priority boarding style perks.
Annual fee $100–$249
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Chase · Visa · Personal
Hotel co-brand
Marriott Bonvoy points plus a free-night certificate style benefit.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Chase · Visa · Personal
Hotel co-brand
Hyatt points, plus a free-night style benefit (check the issuer for current terms).
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Amex · Personal
Hotel co-brand
High Hilton Honors earn at Hilton properties plus everyday bonus categories.
Annual fee $100–$249
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Chase · Mastercard · Personal
Hotel co-brand
IHG One Rewards points plus an anniversary free-night style benefit (check the issuer for terms).
Annual fee $100–$249
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Amex · Personal
Hotel co-brand
High Hilton earn, top-tier Hilton status and resort-style credits (check the issuer for current terms).
Annual fee $250+
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Amex · Personal
Hotel co-brand
Marriott Bonvoy points plus premium hotel benefits and a free-night certificate style benefit.
Annual fee $250+
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Co-brand miles / points
Citi · Mastercard · Personal
0% intro APR / balance transfer
Not a rewards card; marketed for intro APR terms and no late fees.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Not a rewards card
Wells Fargo · Visa · Personal
0% intro APR / balance transfer
Rewards are secondary; marketed for a long intro APR on purchases and balance transfers.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Not a rewards card
Chase · Visa · Business
Business
Elevated cash back at office supply stores and on internet, cable and phone, plus gas stations and restaurants (caps apply); 1% else.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Chase · Visa · Business
Business
Unlimited flat cash back of about 1.5% on business purchases.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Amex · Business
Business
About 2% cash back on eligible business purchases up to an annual spending cap, then 1%.
Annual fee $0
Credit typically targeted Good, Excellent
Foreign transaction fee Yes
Rewards Cash back
Chase · Visa · Business
Business
High points earn on travel, shipping, advertising, telecom and internet; transferable Ultimate Rewards.
Annual fee $1–$99
Credit typically targeted Good, Excellent
Foreign transaction fee None
Rewards Transferable points / miles
Capital One · Visa or Mastercard (varies) · Personal
Build credit (secured / student)
Little or no rewards; focused on building credit with a path to credit line reviews.
Annual fee $0
Credit typically targeted Limited / building, Fair
Foreign transaction fee None
Rewards Not a rewards card
Chase · Visa · Personal
Build credit (secured / student)
Modest cash back; a pathway into other Chase Freedom and Sapphire cards over time.
Annual fee $0
Credit typically targeted Limited / building, Fair, Good
Foreign transaction fee Yes
Rewards Cash back
Discover · Personal
Build credit (secured / student)
Cash-back style earn with a path to an unsecured card when offered.
Annual fee $0
Credit typically targeted Limited / building, Fair
Foreign transaction fee None
Rewards Cash back
Discover · Student
Build credit (secured / student)
Student-oriented cash back with rotating quarterly categories (activation and caps apply).
Annual fee $0
Credit typically targeted Limited / building, Fair
Foreign transaction fee None
Rewards Cash back
Before you apply
Advertising & affiliate disclosure. We may earn a commission from some links on this site. The card links in this tool currently go straight to issuer websites and are not affiliate links. Compensation does not affect how cards are listed or ranked. Read our affiliate disclosure .
Rates and terms change. Confirm on the issuer site. Welcome offers, APRs, fees and benefits change often, so we don't list them as facts. Card details last reviewed October 2, 2026.
Approval is not guaranteed. Issuers make their own decisions. This tool does not check your credit or prequalify you, and a match is not a prediction of approval.
Pay in full. Rewards only come out ahead if you pay the statement balance in full every month. Interest can quickly erase anything you earn.
Fee bands and features are based on our research as of October 2, 2026. We show fee bands rather than exact amounts, and we don't show welcome bonuses or APRs because they change frequently. Always check the issuer's current offer and "Rates & Fees".