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
Earn a percentage of every purchase back as a statement credit or deposit.
18 cards
Top match for your filters
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
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: 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
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
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: 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
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
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.