Credit Cards

What are credit cards? How do they work? How do you decide among cash back, travel points and other options — and then maximize the value you get from your card? Compare our card picks, read our reviews and learn more about rewards, points, interest rates and how to apply — all on NerdWallet.

Find a credit card

NerdWallet's featured cards
Wells Fargo Active Cash Card
Wells Fargo Active Cash® Card
NerdWallet Rating
Apply now

on Wells Fargo's website

Rates & Fees
Chase Freedom Unlimited Credit Card
Chase Freedom Unlimited®
NerdWallet Rating
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on Chase's website

Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred® Card
NerdWallet Rating
Apply now

on Chase's website

Wells Fargo Autograph℠ Credit Card
Wells Fargo Autograph℠ Card
NerdWallet Rating
Apply now

on Wells Fargo's website

Rates & Fees
Annual Fee
$0
$0
$95
$0
Intro offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Limited Time Offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value.

Rewards rates

• 2% cash back on all purchases.

• 5% cash back on travel booked through Chase.

• 3% at restaurants.

• 3% at drugstores.

• 1.5% on other purchases.

• 5X points on travel booked through Chase.

• 3X at restaurants.

• 3X on select streaming services.

• 3X on online grocery delivery (not including Target and Walmart).

• 2X on other travel.

• 1X on other purchases.

• 3X points at restaurants.

• 3X on travel and transit.

• 3X at gas stations and electric vehicle charging stations.

• 3X on popular streaming services.

• 3X on select phone plans.

• 1X on other purchases.

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Credit card calculators

Featured Video

10:25
Video preview image

Credit Card Annual Fees Explained

Are credit card annual fees worth it? In this video, NerdWallet Credit Card expert Sally French breaks down why it often makes sense to pay an annual fee for a credit card, and when it may not.

From our partners

Bank of America® Premium Rewards® Credit Card
New Offer! 60,000 Bonus Points - Terms Apply
Bank of America® Premium Rewards® credit card
Chase Ink Business Preferred Credit Card
New Cardmember Offer! Earn 100,000 bonus points
Ink Business Preferred® Credit Card
Bank of America® Customized Cash Rewards credit card
New enhanced options to earn 3% cash back
Bank of America® Customized Cash Rewards credit card
TD Bank TD Cash Credit Card Credit Card
Limited Time: Earn 5% Cash Back on gas & $150 Cash Back.
TD Cash Credit Card
Capital One Venture Rewards Credit Card
75k bonus miles offer - Terms Apply
Capital One Venture Rewards Credit Card
Wells Fargo Autograph℠ Credit Card
Earn a 30,000 bonus point offer - Terms Apply
Wells Fargo Autograph℠ Card

Read our reviews

BankAmericard Review: A Great Breather From Credit Card Interest

4.6

NerdWallet rating 
You won't get ongoing rewards or perks, but it's a terrific option for paying down debt or financing a large purchase.

Capital One Venture Review: Easy Earnings, Effortless Redemptions

4.7

NerdWallet rating 
Earn 2 miles per dollar spent on everything. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.

Wells Fargo Reflect® Card Review: An Extended Break From Interest

4.5

NerdWallet rating 
The card offers a competitive 0% intro APR promotion on balance transfers and purchases.

American Express Blue Cash Preferred Review: Perhaps the Ultimate Family Card

5.0

NerdWallet rating 
You'll earn 6% back at U.S. supermarkets on up to $6,000 a year in spending, plus 6% back on select U.S. streaming services and 3% back at U.S. gas stations and eligible transit. Terms apply. The catch? A sizable annual fee.

Discover it Balance Transfer Review: A Debt Zapper With Rewards

4.9

NerdWallet rating 
You expect a balance transfer card to offer a lengthy introductory APR period. But this card also gives you cash back — and a reason to hold on to it long-term.

Upgrade Bitcoin Rewards Card Review: Crypto With a Few Caveats

4.7

NerdWallet rating 
The card combines features of credit cards and personal loans, and it earns 1.5% back in the form of bitcoin when you make payments on your balance.

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