Updated October 6, 2025
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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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Best For
Rewards Rate - Cashback
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars via Capital One® Travel
- 3% cash back on dining, entertainment, groceries
- 1% cash back on all other purchases
- Intro offer
- $100 credit towards travel + $200 bonus after $500 spend in 3 months
- Annual fee
- $0
- Regular APR
- 19.24% – 29.24% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Cashback
- 5% Travel via Chase Travel℠
- 3% Dining & drugstores
- 1.5% All other purchases
$150 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
- Annual fee
- $0
- Regular APR
- 18.99 – 28.99 Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Cashback
- 5% cash back in quarterly bonus categories.
- 5% on travel purchased through Chase Travel℠.
- 3% on dining at restaurants, including takeout and eligible delivery services.
- 3% on drugstore purchases.
- 1% on all other purchases.
- Intro offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
- Annual fee
- $0
- Regular APR
- 18.99% – 28.49% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Cashback
- 5% back in your top eligible category each billing cycle (up to $500 in purchases; then 1%).
- 1% back on all other purchases.
- +4% additional back on hotels, car rentals & attractions booked with Citi Travel®.
- Cash back is earned as Citi ThankYou® Points.
- Eligible 5% categories: Restaurants, Gas, Grocery Stores, Select Travel, Select Transit, Select Streaming, Drugstores, Home Improvement, Fitness Clubs, Live Entertainment.
- Intro offer
- $200 bonus after $1,500 spend in 6 months (fulfilled as ThankYou® Points).
- Annual fee
- $0
- Regular APR
- 0% intro APR for 15 months on purchases & balance transfers; then 19.24%–29.24% variable APR
- Recommended credit
- 690–850 (Good–Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Cashback
- 5% on hotel, car rentals and attractions booked with Citi Travel.
- 2% On everything (1% when you buy + 1% when you pay)
- Intro offer
- $200 cash back after $1,500 spend in 6 months
- Annual fee
- $0
- Regular APR
- 18.24% – 28.24% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Cashback
- 2% Cash rewards on purchases
- Intro offer
- $200 cash rewards after $500 spend in 3 months
- Annual fee
- $0
- Regular APR
- 19.24% – 29.24% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- Cell Phone Protection, Rental Car Insurance
Best For
Rewards Rate - Cashback
- 3% U.S. supermarkets (≤ $6k/yr, then 1%)
- 3% U.S. online retail (≤ $6k/yr, then 1%)
- 3% U.S. gas stations (≤ $6k/yr, then 1%)
- 1% Other purchases
$185 Savings
Estimated savings over 15 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- $200 statement credit after $2,000 in purchases within the first 6 months
- Annual fee
- $0
- Regular APR
- 20.24% – 29.99% Variable APR
- Recommended credit
- 670–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Points
- 5x Hotels & car rentals via Citi® Travel
- 3x Supermarkets & select transit
- 3x 1 quarterly category (e.g., gas/dining/travel)
- 2x Restaurants
- 1x Other purchases
- Intro offer
- No welcome offer found
- Annual fee
- $0
- Regular APR
- 21.24% – 29.24% Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Travel Insurance
Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Long 0% intro APR on purchases and balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- Variable APR after intro period
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Extended 0% intro APR on balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- Variable APR after intro period
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Up to ~21 months 0% intro APR on purchases & balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- 17.24% – 28.99% Variable APR
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Best For
Rewards Rate - Points
- 3x Dining and Lyft rides (requires 5 transactions per month)
- 2x Travel purchases
- 1x Rent payments (up to 100,000 points per year)
- 1x All other purchases
- Intro offer
- Up to 100,000 points on rent in a calendar year
- Annual fee
- $0
- Regular APR
- 19.24 – 29.24 Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Cell Phone Protection, Rental Car Insurance, Travel Insurance
Best For
Rewards Rate -
- 4% cash back on prepaid air, hotel and car reservations booked in the Rewards Center.
- $20 annual statement credit after 11 consecutive months of purchases.
- 1% cash back on all other eligible purchases.
$285 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- No welcome offer found
- Annual fee
- $0
- Regular APR
- 0% intro APR for 24 billing cycles on purchases and balance transfers then 17.74%–28.74% variable APR
- Recommended credit
- Good–Excellent
- Travel Perks
- Cell Phone Protection, Rental Car Insurance