Compare cards

Compare credit cards by rewards, fees, APR, and credit profile

Review BillSaver's current credit card comparison table across cash back, travel, balance transfer, 0% APR, student, secured, fair-credit, and business cards.

Compare cards Browse categories

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying.

BillSaver picks

Top matches for this category

All-around cash back

Chase Freedom Unlimited®

Annual fee: $0
Rewards: 5% on travel through Chase Travel, 3% on dining and drugstores, 1.5% on other purchases.
Intro APR: 0% intro APR on purchases and balance transfers for 15 months.

A strong starter rewards card because the base rate is better than 1%, the bonus categories are useful, and the annual fee is zero.

See issuer terms

Simple 2% cash rewards

Wells Fargo Active Cash® Card

Annual fee: $0
Rewards: Unlimited 2% cash rewards on purchases.
Intro APR: 0% intro APR on purchases and qualifying balance transfers for 12 months.

A clean catch-all card for readers who do not want rotating categories or portal rules.

See issuer terms

Transferable travel rewards

Chase Sapphire Preferred® Card

Annual fee: $95
Rewards: 5X on travel through Chase Travel, 3X on dining, select streaming and online groceries, 2X on other travel, 1X on other purchases.
Intro APR: No standard intro APR offer.

A balanced travel card with strong partners, useful travel protections, and a manageable annual fee.

See issuer terms

Side-by-side table

Compare card details

Filter cards

Choose up to 3 cards to compare. No cards selected.

Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Watch out for	Terms
Compare Chase Freedom Unlimited® Chase · Good to excellent	All-around cash backA strong starter rewards card because the base rate is better than 1%, the bonus categories are useful, and the annual fee is zero.	5% on travel through Chase Travel, 3% on dining and drugstores, 1.5% on other purchases.	$200 cash bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 15 months.	18.24% to 27.74% variable APR.	Travel booked outside Chase and international purchases are less attractive, and a 2% flat-rate card may be simpler for some households.	Issuer terms
Compare Wells Fargo Active Cash® Card Wells Fargo · Good to excellent	Simple 2% cash rewardsA clean catch-all card for readers who do not want rotating categories or portal rules.	Unlimited 2% cash rewards on purchases.	$200 cash rewards after qualifying spend.	$0	0% intro APR on purchases and qualifying balance transfers for 12 months.	18.49%, 24.49%, or 28.49% variable APR.	It is light on travel partners and premium perks, so frequent travelers may want a points card instead.	Issuer terms
Compare Chase Sapphire Preferred® Card Chase · Good to excellent	Transferable travel rewardsA balanced travel card with strong partners, useful travel protections, and a manageable annual fee.	5X on travel through Chase Travel, 3X on dining, select streaming and online groceries, 2X on other travel, 1X on other purchases.	75,000 bonus points after qualifying spend.	$95	No standard intro APR offer.	19.24% to 27.49% variable APR.	Best value usually requires using Chase travel tools or transfer partners.	Issuer terms
Compare Citi Double Cash® Card Citi · Good to excellent	Flat-rate cash back plus transfer windowIt combines long-term flat cash back with an intro transfer period, which is rare enough to matter.	Up to 2% cash back: 1% when you buy and 1% as you pay, plus 5% on select Citi Travel bookings.	$200 cash back after qualifying spend.	$0	0% intro APR on balance transfers for 18 months.	17.49% to 27.49% variable APR.	The full 2% comes when purchases are paid, and the card is not ideal for international travel.	Issuer terms
Compare Capital One Savor Cash Rewards Credit Card Capital One · Good to excellent	Dining, groceries, entertainmentA strong everyday card for households that spend heavily on meals, groceries, streaming, and entertainment.	3% cash back on dining, grocery stores, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases.	$200 cash bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 12 months.	18.49% to 28.49% variable APR.	Superstores and warehouse clubs are excluded from the grocery category.	Issuer terms
Compare Wells Fargo Reflect® Card Wells Fargo · Good to excellent	Long intro APR windowBuilt for readers who care more about interest savings than rewards.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers.	17.49%, 23.99%, or 28.24% variable APR.	No rewards means the card has less ongoing value after the intro APR period ends.	Issuer terms
Compare Blue Cash Preferred® Card from American Express American Express · Good to excellent	Groceries and streamingThe grocery and streaming rates can justify the annual fee for the right household.	6% cash back at U.S. supermarkets on up to $6,000 per year, then 1%; 6% on select U.S. streaming subscriptions; 3% at eligible U.S. gas stations and transit.	Offer varies by applicant.	$0 intro annual fee for the first year, then $95.	Intro APR offer on purchases and balance transfers.	19.49% to 28.49% variable APR.	The supermarket cap and annual fee make this a math card, not an automatic pick.	Issuer terms
Compare Capital One Venture Rewards Credit Card Capital One · Good to excellent	Simple travel milesEasy for readers who want a travel card without juggling many bonus categories.	2X miles on every purchase, 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.	75,000 miles after qualifying spend.	$95	No standard intro APR offer.	19.49% to 28.49% variable APR.	The best redemption path depends on how comfortable the reader is with travel redemptions or transfer partners.	Issuer terms
Compare Citi® Diamond Preferred® Card Citi · Good to excellent	Extra-long balance transfer offerOne of the clearest options when the goal is time to pay down transferred debt.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR on balance transfers for 21 months and purchases for 12 months.	16.49% to 27.24% variable APR.	It is not a rewards card, so the post-intro case is weaker.	Issuer terms
Compare Capital One Venture X Rewards Credit Card Capital One · Excellent	Premium travel valuePremium benefits can offset the annual fee for frequent travelers who use the travel credit and lounge benefits.	10X on hotels and rental cars through Capital One Travel, 5X on flights and vacation rentals through Capital One Travel, 2X on other purchases.	75,000 miles after qualifying spend.	$395	No standard intro APR offer.	19.49% to 28.49% variable APR.	It is overbuilt for infrequent travelers who will not use portal credits or lounge access.	Issuer terms
Compare Chase Sapphire Reserve® Chase · Excellent	Luxury travel rewardsA premium card for travelers who can use lounge access, travel credits, protections, and transfer partners.	Elevated points on Chase Travel, direct flights and hotels, dining, and other travel categories; premium annual travel and partner credits.	Bonus points offer varies.	$795	No standard intro APR offer.	19.49% to 27.99% variable APR.	The annual fee is high enough that unused credits can turn this into an expensive status symbol.	Issuer terms
Compare American Express Platinum Card® American Express · Good to excellent	Airport lounge access and creditsThe card can be powerful for frequent travelers who will actually use the lounge access and recurring credits.	5X Membership Rewards points on eligible flights and prepaid hotels booked with American Express Travel, plus extensive travel and lifestyle credits.	Offer varies by applicant.	$895	Pay Over Time APR may apply.	See Pay Over Time APR.	The value depends on tracking many credits, and the fee is not forgiving.	Issuer terms
Compare Blue Cash Everyday® Card from American Express American Express · Good to excellent	Online shopping and everyday categoriesUseful for readers who want grocery, gas, and online shopping rewards without an annual fee.	3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, on up to $6,000 per year in each category, then 1%.	Offer varies by applicant.	$0	Intro APR offer on purchases and balance transfers.	19.49% to 28.49% variable APR.	Category caps matter, and American Express acceptance can be thinner than Visa or Mastercard in some places.	Issuer terms
Compare Citi Simplicity® Card Citi · Good to excellent	Long intro APR plus no late feesA debt-payoff card for readers who want a long intro period and simpler penalty-fee rules.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR offer on balance transfers and purchases.	Variable APR; see issuer terms.	No rewards and issuer-to-issuer transfer limits still matter.	Issuer terms
Compare American Express® Gold Card American Express · Good to excellent	Food-focused pointsA useful points card for households whose biggest flexible spending is food.	4X Membership Rewards points at restaurants worldwide and U.S. supermarkets up to annual caps, plus travel-booking rewards and dining credits.	Offer varies by applicant.	$325	Pay Over Time APR may apply.	See Pay Over Time APR.	Annual credits have rules, and casual users may prefer no-fee cash back.	Issuer terms
Compare Bank of America® Customized Cash Rewards credit card Bank of America · Good to excellent	Flexible 3% choice categoryA flexible card for readers who can point 3% toward gas, online shopping, dining, travel, drugstores, or home improvement.	3% cash back in one choice category, 2% at grocery stores and wholesale clubs, and 1% on other purchases, with quarterly caps.	$200 online cash rewards bonus after qualifying spend.	$0	Intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	It needs category management and spending caps can limit upside.	Issuer terms
Compare Capital One Savor Student Cash Rewards Credit Card Capital One · Students	Student dining and grocery rewardsA student card with useful real-life categories and no annual or foreign transaction fee.	3% cash back at grocery stores, dining, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases.	$50 bonus after qualifying spend.	$0	No standard intro APR offer.	18.49% to 28.49% variable APR.	The APR is high, so it should be treated as a credit-building tool, not a borrowing tool.	Issuer terms
Compare BankAmericard® credit card Bank of America · Good to excellent	Low-fee intro APR optionA plain 0% APR option for readers who want to focus on payoff math instead of rewards.	No rewards program.	No traditional welcome bonus.	$0	Intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	No rewards, and the strongest value depends on completing transfers during the intro window.	Issuer terms
Compare Chase Freedom Flex® Chase · Good to excellent	Rotating bonus categoriesA high-upside no-fee card for people who will activate rotating categories.	5% on activated quarterly categories up to the quarterly cap, 5% on Chase Travel, 3% on dining and drugstores, 1% on other purchases.	$200 bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 15 months.	18.24% to 27.74% variable APR.	Quarterly categories require attention and may not match every household's spending.	Issuer terms
Compare Discover it® Cash Back Discover · Good to excellent	Rotating categories plus first-year matchStrong first-year upside for readers willing to activate and track quarterly categories.	5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.	Discover Cashback Match for new cardmembers after the first year.	$0	Intro APR offers vary by version and applicant.	17.49% to 26.49% variable APR.	Discover acceptance can be lower than Visa or Mastercard in some locations.	Issuer terms
Compare Ink Business Unlimited® Credit Card Chase · Good to excellent	Simple business cash backA straightforward expense-tracking card for small businesses that want one flat rewards rate.	Unlimited 1.5% cash back on business purchases.	$750 cash back after qualifying business spend.	$0	0% intro APR on purchases for 12 months.	16.74% to 24.74% variable APR.	Businesses with heavy office supply, internet, cable, or phone spending may prefer category bonuses.	Issuer terms
Compare The American Express Blue Business Cash™ Card American Express · Good to excellent	Small business 2% cash backA clean cash-back option for small businesses that spend within the 2% cap.	2% cash back on eligible purchases up to the annual cap, then 1%.	Offer varies by applicant.	$0	Intro APR offer may be available.	Variable APR; see issuer terms.	The cap and foreign transaction fee matter for growing or international businesses.	Issuer terms
Compare U.S. Bank Shield™ Visa® Card U.S. Bank · Good to excellent	Intro APR with side benefitsA useful comparison point for readers shopping long intro APR windows outside the biggest issuers.	No traditional rewards program.	No traditional welcome bonus.	$0	0% intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	Exact transfer economics depend on the approved limit, fee, and intro period available at application.	Issuer terms
Compare Discover it® Student Cash Back Discover · Students	Student rotating cash backA no-fee first card with rewards and credit-bureau reporting.	5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.	Discover Cashback Match for new cardmembers after the first year.	$0	Intro APR offer may be available.	Variable APR; see issuer terms.	Rotating categories and Discover acceptance both require a little planning.	Issuer terms
Compare Capital One Platinum Secured Credit Card Capital One · Limited, poor, or rebuilding credit	Low-cost secured cardA no-annual-fee secured card with automatic account reviews for possible access to a higher credit line.	No rewards program.	No traditional welcome bonus.	$0	No standard intro APR offer.	28.99% variable APR.	The APR is high, and secured cards still require careful on-time payments.	Issuer terms
Compare Capital One Quicksilver Cash Rewards Credit Card Capital One · Good to excellent	Simple 1.5% cash backA low-maintenance cash back card with no foreign transaction fee.	Unlimited 1.5% cash back on every purchase, plus elevated rewards on select Capital One Travel bookings.	$200 cash bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 15 months.	18.49% to 28.49% variable APR.	Flat 1.5% is easy, but some no-fee competitors earn 2% on general purchases.	Issuer terms
Compare Bank of America® Customized Cash Rewards Secured Credit Card Bank of America · Limited, poor, or rebuilding credit	Secured card with cash backA secured card that still offers meaningful rewards if used carefully.	3% cash back in one choice category, 2% at grocery stores and wholesale clubs, and 1% on other purchases, with quarterly caps.	No traditional welcome bonus.	$0	No standard intro APR offer.	Variable APR; see issuer terms.	The deposit, category caps, and APR all need to fit the reader's budget.	Issuer terms
Compare Capital One QuicksilverOne Cash Rewards Credit Card Capital One · Fair credit	Fair-credit cash backA rewards path for readers with fair credit who may not yet qualify for the strongest no-fee cards.	1.5% cash back on all purchases and 5% on hotels and rental cars booked through Capital One Travel.	No standard welcome bonus.	$39	No standard intro APR offer.	28.99% variable APR.	The annual fee and high APR mean it only works if the balance is paid in full and rewards exceed the fee.	Issuer terms
Compare U.S. Bank Smartly™ Visa Signature® Card U.S. Bank · Good to excellent	U.S. Bank loyalistsA flat-rate card that becomes more interesting for readers already keeping eligible U.S. Bank balances.	Unlimited 2% cash back, with potential additional cash back when paired with eligible U.S. Bank Smartly banking balances.	No traditional welcome bonus.	$0	No standard intro APR offer.	17.74% to 27.99% variable APR.	The highest earning rate requires banking relationship rules that not every reader will meet.	Issuer terms

Card categories

Compare by goal

Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Small business Business 2 cards Lower cost No annual fee 15 cards

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.