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Our Favorite Credit Cards

BEST STARTER TRAVEL CARD

Recommended credit score:670 - 850
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on Chase's secure site

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Bankrate score

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4.8
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Intro offer

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75,000 bonus points

Rewards rate

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1x - 5x

Annual fee

$95

Regular APR

19.24% - 27.49% Variable

Best for travel rewards on everyday spending

Recommended credit score:670 - 850
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on Capital One's secure site

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Bankrate score

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4.7
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Bankrate review

Intro offer

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Earn 75,000 miles

Rewards rate

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2X miles - 5X miles

Annual fee

$95

Regular APR

19.49% - 28.49% (Variable)

Recommended credit score:670 - 850
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on Chase's secure site

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Bankrate score

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5.0
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Bankrate review

Intro offer

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Earn $200 cash back

Rewards rate

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1.5% - 5%

Annual fee

$0

Regular APR

18.24% - 27.74% Variable

Why you'll like this: Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack.

BEST FOR EVERYDAY CASH REWARDS

Wells Fargo Active Cash® Card

Bankrate score

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4.3
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Intro offer

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$200 cash rewards

Rewards rate

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2%

Annual fee

$0

Regular APR

18.49%, 24.49%, or 28.49% Variable APR

Best for gas and transit

Wells Fargo Autograph® Card

Bankrate score

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4.0
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Bankrate review
Recommended credit score:670 - 850
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Apply now

on Wells Fargo's secure site

See Rates & Fees

Intro offer

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20,000 bonus points

Rewards rate

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1X - 3X

Annual fee

$0

Regular APR

18.49%, 24.49%, or 28.49% Variable APR

Wells Fargo Autograph Journey℠ Card

Bankrate score

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4.0
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Bankrate review
Recommended credit score:670 - 850
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Apply now

on Wells Fargo's secure site

See Rates & Fees

Intro offer

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60,000 bonus points

Rewards Rate

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1X - 5X

Annual fee

$95

Regular APR

19.49%, 25.49%, or 28.49% Variable APR