Independent loan and credit card comparison for U.S. consumers
Filter by what you want the card to do, then line up rewards, fees and interest side by side.
Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026
34 cards
Wells Fargo
Best for: a simple, flat cash rewards rate
A flat 2% cash rewards rate on purchases, no annual fee, and a 12-month 0% intro APR.
2% cash rewards on purchases, unlimited. Intro offer: 0% for 12 mo purchases, 12 mo transfers.
Welcome bonus: $100 cash rewards after $500 in purchases in the first 3 months
Bank of America
Best for: travel rewards without an annual fee
A no-annual-fee travel card with 1.5 points per $1 and no foreign transaction fees.
1.5 points per $1 on everyday purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 25,000 points worth $250, after $1,000 in purchases in the first 90 days
Discover
Best for: a flat miles rate with a first-year match
Unlimited 1.5x miles on all purchases and a first-year Miles Match, with no annual fee.
1.5x miles on travel and everyday purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: Miles Match Discover matches all the miles you earn at the end of your first year, with no limit
Chase
Best for: everyday spending with bonus categories
1.5% cash back on everything, bonus rates on dining, drugstores and travel, and a 15-month 0% intro APR.
1.5% cash back on all purchases. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 after $500 in purchases in the first 3 months
Bank of America
Best for: flat cash back with a strong bonus
Unlimited 1.5% cash back, a $250 bonus and a 15-billing-cycle 0% intro APR, with no annual fee.
1.5% cash back on all purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $250 online cash rewards bonus after $1,000 in purchases in the first 90 days
Chase
Best for: business owners who want one flat rate
A no-fee business card with unlimited 1.5% cash back and a $750 bonus.
1.5% unlimited cash back on every purchase. Intro offer: 0% for 12 mo purchases.
Welcome bonus: $750 cash back after $6,000 in purchases in the first 3 months
Capital One
Best for: travel rewards without an annual fee
A no-annual-fee travel card with 1.25 miles per $1, a 15-month 0% intro APR and no foreign transaction fees.
1.25 miles per $1 on every purchase, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 20,000 miles after $500 in purchases in the first 3 months
Wells Fargo
Best for: everyday categories with points
A no-annual-fee card with 3X points on dining, travel, gas, transit, streaming and phone plans.
3X points on restaurants, travel, gas stations, transit, streaming services and phone plans. Intro offer: 0% for 12 mo purchases.
Welcome bonus: 20,000 points after $1,000 in purchases in the first 3 months
Capital One
Best for: groceries, dining and entertainment
3% on groceries, dining, entertainment and streaming, no annual fee and no foreign transaction fees.
5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Intro offer: 0% for 12 mo purchases, 12 mo transfers.
Welcome bonus: $200 cash bonus after $500 in purchases in the first 3 months
U.S. Bank
Best for: people who will pick categories each quarter
5% in two categories you choose, 2% in one everyday category, and a 15-billing-cycle 0% intro APR.
5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 rewards bonus after $1,000 in eligible purchases within the first 90 days
U.S. Bank
Best for: dining and everyday spending without an annual fee
A no-annual-fee card with 4X points on dining, 2X on groceries, gas and streaming, and a 15-cycle 0% intro APR.
4X points on dining, takeout and restaurant delivery, on your first $2,000 each quarter. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 20,000 points after $1,000 in net purchases in the first 90 days
Discover
Best for: first-year rewards value
5% rotating categories, 1% elsewhere, and an unlimited first-year Cashback Match.
5% cash back at different places each quarter, up to a quarterly maximum (activation required). Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: Cashback Match Discover matches all the cash back you earn at the end of your first year, with no limit
Discover
Best for: full-time students
A student version of Discover's rotating-category card, with a 6-month 0% intro APR and a first-year match.
5% cash back at different places each quarter, up to a quarterly maximum (activation required). Intro offer: 0% for 6 mo purchases.
Welcome bonus: Cashback Match Discover matches all the cash back earned in your first 365 days, with no limit
Chase
Best for: people who will activate quarterly categories
5% quarterly bonus categories on up to $1,500, 3% on dining and drugstores, and a 15-month 0% intro APR.
5% on up to $1,500 in combined purchases in quarterly bonus categories (activation required). Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 after $500 in purchases in the first 3 months
Chase
Best for: small business owners
A no-fee business card with 5% on office and telecom spending and a $750 bonus.
5% on office supplies and internet, cable and phone services, on the first $25,000 each account anniversary year. Intro offer: 0% for 12 mo purchases.
Welcome bonus: $750 cash back after $6,000 in purchases in the first 3 months
Discover
Best for: building credit while earning cash back
A secured card with a refundable deposit as low as $49, cash back and a first-year Cashback Match.
5% cash back on everyday purchases at different places you shop each quarter. Intro offer: None.
Welcome bonus: Cashback Match Discover matches all the cash back you earn at the end of your first year, with no limit
Discover
Best for: students who want no category activation
A student card with automatic 2% at gas stations and restaurants and a first-year Cashback Match.
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Intro offer: 0% for 6 mo purchases.
Welcome bonus: Cashback Match Discover matches all the cash back you earn at the end of your first year, with no limit
Bank of America
Best for: concentrated spending in one category
6% in a category you choose for the first year, then 3%, plus 2% at grocery stores and wholesale clubs.
6% in a category you choose, for the first year, on the first $2,500 in combined purchases each quarter. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 online cash rewards bonus after $1,000 in purchases in the first 90 days
Wells Fargo
Best for: financing a large purchase or paying down debt
A 21-month 0% intro APR on purchases and qualifying balance transfers, with no annual fee.
No rewards program. Intro offer: 0% for 21 mo purchases, 21 mo transfers.
Capital One
Best for: building or rebuilding credit
A secured card with a refundable deposit as low as $49 that reports to all three credit bureaus.
No rewards program. Intro offer: None.
U.S. Bank
Best for: long 0% financing
A 21-billing-cycle 0% intro APR on purchases and balance transfers, with no annual fee.
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center. Intro offer: 0% for 21 mo purchases, 21 mo transfers.
Capital One
Best for: a no-fee card without rewards
A no-annual-fee card with no rewards and an automatic credit line review in as little as 6 months.
No rewards program. Intro offer: None.
Capital One
Best for: flat cash back with a higher-credit-line review
A $39 card with unlimited 1.5% cash back and an automatic credit line review in as little as 6 months.
1.5% cash back on every purchase, every day, unlimited. Intro offer: None.
Capital One
Best for: groceries, dining and entertainment
A $39 card with 3% cash back on groceries, dining, entertainment and streaming.
3% cash back at grocery stores, on dining, entertainment and popular streaming services. Intro offer: None.
Capital One
Best for: a flat 2x miles rate on all purchases
A $95 travel card with 2x miles on every purchase and a 75,000-mile bonus.
2x miles on every purchase, every day. Intro offer: None.
Welcome bonus: 75,000 miles after $4,000 in purchases in the first 3 months
Capital One
Best for: business owners who want flat 2% cash back
A business card with unlimited 2% cash back, a $1,000 bonus, and a $0 annual fee for the first year.
2% cash back for your business on every purchase, no limits or category restrictions. Intro offer: None.
Welcome bonus: $1,000 cash bonus after $10,000 in purchases in the first 3 months
Bank of America
Best for: travel and dining with a flat rate elsewhere
A $95 travel card with 2 points on travel and dining, 1.5 on everything else and a 60,000-point bonus.
2 points per $1 on travel and dining purchases, unlimited. Intro offer: None.
Welcome bonus: 60,000 points a $600 value, after $4,000 in purchases in the first 90 days
Citi
Best for: everyday categories plus travel
A $95 travel card with 3x points on air travel, restaurants, supermarkets and gas, and no foreign transaction fee.
10x points per dollar on hotels, car rentals and attractions booked on cititravel.com. Intro offer: None.
Chase
Best for: travel and dining rewards
A $95 travel card with a 75,000-point bonus, 3x on dining and groceries, and a $100 annual hotel credit.
5x points on purchases made through Chase Travel. Intro offer: None.
Welcome bonus: 75,000 points after $5,000 in purchases in the first 3 months
Wells Fargo
Best for: hotel and airline spending
A $95 travel card with 5X on hotels, 4X on airlines and a 60,000-point bonus.
5X points on hotels. Intro offer: None.
Welcome bonus: 60,000 points after $4,000 in purchases in the first 3 months
Capital One
Best for: high-spend businesses
A business charge card with unlimited 2% cash back and a $2,000 bonus, for high-spend businesses.
2% cash back for your business on every purchase, no limits or category restrictions. Intro offer: None.
Welcome bonus: $2,000 cash bonus after $30,000 in purchases in the first 3 months
Chase
Best for: businesses with large individual purchases
A $195 business card with 2% on all purchases, 2.5% on purchases of $5,000 or more, and a $1,000 bonus.
2.5% cash back on every purchase of $5,000 or more. Intro offer: None.
Welcome bonus: $1,000 bonus cash back after $10,000 in purchases in the first 3 months
Capital One
Best for: premium travel with a flat 2x rate
A $395 premium travel card with 2x miles on every purchase and up to 10x through Capital One Travel.
10x miles on hotels and rental cars booked through Capital One Travel. Intro offer: None.
Chase
Best for: frequent travelers who will use the credits
A $795 premium travel card with a 100,000-point bonus and several annual travel and dining credits.
8x points on purchases through Chase Travel, including The Edit. Intro offer: None.
Welcome bonus: 100,000 points after $6,000 in purchases in the first 3 months
Rewards cards generally expect good or excellent credit (690 and above). Secured cards and some student cards accept limited or no credit history. Approval also depends on income and existing debt.
A formal application triggers a hard inquiry, which can lower your score by a few points for a short time. Checking whether you prequalify usually uses a soft inquiry and has no effect.
It can be, if the rewards and credits you will actually use exceed the fee. Add up the yearly value of the benefits you would use and compare it with the fee before you apply.
For the promotional period, purchases or transferred balances accrue no interest. When it ends, any remaining balance is charged the card's regular APR, so plan to pay it off before then.