Card | Rewards | Bonus | Annual Fee | Best For |
| 1-5%
5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
| $100
$100
| $0 ($139 Amazon Prime subscription required) | Online Shopping |
|---|---|---|---|---|---|
 | 1-5%
| $200
| $0 | Rotating Categories | |
 | 1.5% – 5%
5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
| $200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
| $0 | Less than Perfect Credit | |
| 1% – 4%
unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
| $300
$300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
| $95 | Sign up Bonus | |
| 1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
| $250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
| $95 ($0 intro for the first year), Rates & Fees | High Cash Back | |
| 1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| None
| $0 ($60 Costco membership fee required) | Store Cash Back | |
| 1% – 2%
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
| $200
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
| $0 | Flat Rate Cashback | |
| 1.5% – 2.5%
up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
| None
None
| $99
| Credit Unions | |
| 1-5%
5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
| Cashback Match
All cash back earned at the end of the first 12 months is matched.
| $0 | Digital Experience |
Amazon Prime Rewards Visa Signature Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Amazon Prime Rewards Visa Signature Card is one of the best shopping cards available, especially if you're a frequent buyer on Amazon. This card offers an outstanding 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases, making it a suitable choice for commuters and a $0 fee on foreign transactions.
However, warehouse clubs and superstores are not included and you aren't eligible for 0% intro APR period. Overall, the Amazon card is suitable for individuals that buy or purchase their groceries at traditional supermarkets.
- Rewards Plan: 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
- APR: 19.49% – 27.49% Variable
- Annual Fee: $0 ($139 Amazon Prime subscription required)
- Balance Transfer Fee: $5 or 5%, whichever is greater
- Foreign Transaction Fee: $0
- Sign Up bonus: $100 Amazon gift card upon approval
- Sign-Up Bonus
- Cash Back at Supermarkets & Gas Stations
- No Annual Fee
- Extended Warranty on Purchases
- Amazon Prime subscription required
- Balance Transfer Fee
- Foreign Transaction Fee
- Minimum Redemption Amounts
Does the card have a rewards limit?
The Amazon card doesn't have a rewards limit, so you can earn cash back on all of your purchases. It has a tiered structure, so even purchases that are not on Amazon can still earn you some cash back.
Does anyone can get the Amazon card?
you’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration.
Can you get pre approved
There is no pre approval option for the Amazon Prime Rewards card. This means that you’ll need to complete a full application and this will trigger a hard pull on your credit.
What’s the initial credit limit I'll get?
The Amazon Prime Rewards card has a minimum initial credit limit of $500. The exact amount can be much higher but it mainly depends on your credit score.
How long does approval take?
If you don’t get an instant decision after you submit the online application form for the Amazon Prime Rewards card, you may be waiting two to four weeks.
What are the top reason not to get the Amazon card?
The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.
Sam's Club Mastercard
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Sam’s Club Mastercard is a great card for Sam’s Club shoppers. It has very competitive cashback rewards and benefits in some spending categories.
Sam’s Club Mastercard offers 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases. The rewards categories do not change and are great for those who spend a lot on gas and traveling and who are Sam’s Club members.
The card does not have a foreign transaction fee or annual fee as long as you are a Sam’s Club member (Membership starts at $45 a year). This card can be used anywhere Mastercard is accepted, not just at Sam’s Club.
- APR: 20.40% or 28.40% Variable
- Annual fee: $0 ($50/$110 for Club/Plus membership – MUST)
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: N/A
- Rewards Plan: 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
- Sign Up bonus: $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
- 0% APR Introductory Rate period: N/A
- Cash Back on Gas, Restaurants and Travel & Other Spending
- No Annual Fee
- Higher cashback on Sam's Club purchases
- Redemption Restrictions
- No Sign-Up Bonus or 0% APR Introductory Rate
- Rewards Cap
Chase Freedom Flex℠ Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
If you have a high credit score and want a card to capture your spending habits with no extra cost. The Chase Freedom Flex℠ Card has a $0 annual fee, and you can earn .
The sign up bonus includes . Overall, this is a great card for everyday spending. If you're looking for a travel card, you may want to check the Chase Sapphire Preferred or Reserve cards.
- Rewards Plan:
- APR: 20.49%–29.24% variable
- Annual fee: $0
- Balance Transfer Fee: $5 or 5% (the greater)
- Foreign Transaction Fee: 3%
- Sign Up bonus:
- 0% APR Introductory Rate period: 15 months on purchases and balance transfers
- Sign Up Bonus
- No Annual Fee
- 0% Intro APR
- Protection & Free Credit Score
- Higher cashback Bonuses has a Cap
- Balance Transfer Fee
- Foreign Transaction Fee
- Is there a limit to cashback? There is a cap on the bonus categories whereby it will cover up to $1,500 of relevant purchases per quarter.
- Can I get car rental insurance with a Chase Freedom Flex card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
- What are Chase Freedom Flex card income requirements? No specific income requirements and it does not usually ask for proof of income requirements.
- Does card Chase Freedom Flex offer pre approval? Yes, you can get pre-approval.
- What is the initial credit limit of the Freedom Flex? The initial credit limit varies, but can often be between $300 and $1,000. The average limit for this card is $3,000.
- How do I redeem cashback? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
- What purchases don't earn cashback? All purchases earn cashback with this card.
- Should You Move to Chase Freedom Flex card? This is a good fit for people who are looking for good cashback rates, as well as getting access to quarterly bonus categories for enhanced rates.
- How hard is it to get it? It is not very hard to get this type of card once you meet all of the straightforward requirements.
- How to maximize rewards on Chase Freedom Flex card? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards. To maximize rewards, you should make sure that you take advantage of the bonus categories and leave the other types of purchases that are not covered by an enhanced rate to another card. This is because you will only get 1% cashback on non-covered purchases.
- Top Reasons NOT to get the Chase Freedom Flex card? If you make a lot of purchases not covered by the respective categories and will only get 1% cashback on them. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.
Capital One Quicksilver Cash Rewards Credit Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Capital One Quicksilver card is a good choice for individuals that either don’t like to spend too much in just one budget category or individuals that prefer one reward rate than multiple rates. The Capital One Quicksilver offers 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.. This cashback rate is not the highest in the market, but card do not charge any annual fee, and it has a nice welcome bonus of $200 cash bonus once you spend $500 on purchases within 3 months from account opening.
Lastly, the card offers a generous 0% intro APR. Some of the benefits individuals can derive from using this card include; no foreign transaction fees, travel accident insurance, secondary car rental insurance and 24-hour travel assistance services.
- Rewards Plan: 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
- APR: 19.99% – 29.99% variable
- Annual fee: $0
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: $200 cash bonus once you spend $500 on purchases within 3 months from account opening
- 0% APR Introductory Rate period: 15 months on balance transfers and purchases
- Sign-Up Bonus
- Flat Cashback Rewards Rate
- No Annual Fee or Foreign Transaction fee
- Intro APR on Purchases & Balance Transfers
- No Bonus Rewards Categories
- Cashback Rate Could Be Better
- Requires Good/Excellent Credit
- Can I get car rental insurance with Quicksilver Card? Yes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
- What are Quicksilver Card income requirements? Capital One often required monthly income to be at least $800. Sometimes, you will need to show some proof of income.
- Can I get pre-approved? Yes, you can get pre-approval.
- What is the initial credit limit? You will normally get a credit limit of at least $5,000.
- How do I redeem cash back? For the Quicksilver cashback rewards, you are able to get a check, as statement credit, or redeem them with certain retailers.
- What purchases don't earn cash back? All purchases are covered.
- Should You Move to Quicksilver Card? If you want consistency across all types of purchases or need to fill some gaps thrown up by other cards.
- How to Use Quicksilver card Benefits? Use it to fill the gap where your other credit cards fall short. If you want to have ultimate ease of use thanks to the consistency across all types of purchases.
- What are the top Reasons NOT to get the Quicksilver Card? If you are looking to get higher cashback rewards for certain categories.
Capital One Savor Cash Rewards Credit Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Capital One Savor credit card offers unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.. Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
In addition, there is a significant sign up bonus of $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening, as well as no foreign transaction fee.
However, if you don’t spend enough on these types of activities then you won’t get ahead much on the rewards due to the $95 annual fee.
- Rewards Plan: unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- APR: 19.99% – 29.99% Variable
- Annual fee: $95
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- 0% APR Introductory Rate period: None
- Sign Up Bonus
- High Cash Back
- No Rotating Categories
- $95 Annual Fee
- Approval Can Be Strict
- No 0% Intro APR
- Can I get car rental insurance with Capital One Savor? Yes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
- Does it have a cash-back rewards limit? There is no limit.
- Does Capital One ask for proof of income? No out and out request for proof of income and no transparent income requirements.
- Does Capital One Savor Card offer pre approval? Yes, you can get pre-approval.
- What is the initial credit limit? The minimum credit limit is set at $5,000.
- How do I redeem cash back? You can get them sent to you in the form of a check, as a statement credit, or get them given to you through gift cards.
- What purchases don't earn cash back? All types of purchases are eligible for cashback with this card.
- Should You Move to Capital One Savor Card? If you spend enough on the premium cashback categories to justify the annual fee.
- Why did Capital One Savor Card deny me? What to Do Next? You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.
- How to maximize rewards on Capital One Savor Card? Make the most out of the signup offer and use this card for the premium cashback categories to get the best bang for your buck.
- Top reasons NOT to get the Capital One Savor Card? If you will not reap enough rewards to justify the $95 annual fee.
Blue Cash Preferred® Card from American Express
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
Rates & Fees, Terms Apply
The Blue Cash Preferred® Card from American Express offers an outstanding 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases , making it a suitable choice for commuters and a 2.70% fee on foreign transactions. Terms Apply.
However, warehouse clubs and superstores are not included. The American Blue Cash Preferred Card charges an annual fee of $95 ($0 intro for the first year), but you can justify this if you reach the higher cashback threshold in U.S. supermarkets. This makes the card suitable for individuals that buy or purchase their groceries at traditional supermarkets. New cardmembers can earn up to $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Rewards Plan: 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
- APR: 19.24% – 29.99% Variable
- Annual Fee: $95 ($0 intro for the first year)
- Balance Transfer Fee: $5 or 3%, whichever is greater
- Foreign Transaction Fee: 2.70%
- Welcome Bonus: $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
- 0% APR Introductory Rate Months: 12 months on purchases and balance transfers
* Terms Apply
- Welcome Bonus
- Cash Back Rewards
- 0% APR Intro
- Redeeming Options
- Extended Warranty on Purchases
- $95 Annual Fee
- Short Introductory Rates
- Balance Transfer Fee
- Foreign Transaction Fee
- Minimum Redemption Amounts
- Is there a limit to rewards/cash back? You can get the premium cashback rate on groceries until you have annual purchases in this area of $6,000. The rate then goes to 1%.
- Can I get car rental insurance? how? Yes, you will get this insurance if you refuse the car rental company’s insurance coverage and you pay for the entire cost of the rental with this card.
- Does it have a cash-back/point rewards limit? You can get the premium cashback rate on groceries until you have annual purchases in this area of $6,000. The rate then goes to 1%. Otherwise, there are no restrictions.
- Do you need a proof of income? No transparent income requirements or proof of income requests.
- Does the rewards points expire? They do not expire once you keep your account open and meet a few basic conditions.
- Can I get pre-approved? Yes, you can get pre-approval.
- What is the initial credit limit? It will be at least $1,000 and usually greater.
- How do I redeem cash back? The rewards will be credited to you in the form of a statement credit.
Costco Anywhere Visa® Card by Citi
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Costco Anywhere Visa® Card by Citi is an amazing choice for regular Costco shoppers who want to earn a highly competitive cashback rewards, and one of the best shopping cards available. Costco card does not charge any fee on foreign transactions and does not charge any annual fee. The card offers 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases.
To enjoy all these benefits, all you need to do is pay your annual Costco membership fee to maintain your card account. Some of the limitations attached to this card usage include; limited cashback redemption option and a cap on gas rewards.
- Rewards Plan: 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
- APR: 20.49% (Variable)
- Annual fee: $0 ($60 Costco membership fee required)
- Balance Transfer Fee: 3% or 5$
- Foreign Transaction Fee: $0
- Sign Up bonus: None
- 0% APR Introductory Rate period: N/A
- Cashback on Costco, Gas, Restaurants and Travel and Other Spending
- No Annual Fee
- No Foreign Transaction Fee
- Extended Manufacturer Warranty, Travel Perks
- Redemption Restrictions
- No Sign-Up Bonus or 0% APR Introductory Rate
- There are Better Cashback Cards
- High APR
What’s the initial credit limit?
The initial credit limit for the Costco Anywhere visa is $500, but some cardholders have been offered an initial limit as high as $10,000.
What are the top reasons not to get the Costco card?
The top reason to not get the Costco Anywhere card is if you can get better rewards on a different tier card. There are some cards out there that offer 5% on one or two categories, which provides greater flexibility.
How’s the card customer service availability?
Citi has phone lines that are open 24/7, so you can access support at any time.
How much should I spend to cover the card fees?
There is no annual fee, However, you do need to have a Costco membership for the Costco Anywhere, but presumably, you’ll already have this covered.
Is it hard to get the Costco card?
To qualify for the Costco Anywhere card, you must have excellent credit and a low income-to-debt ratio.
Can I get pre approved?
Citi does not support Costco Anywhere card pre-approval. You'll need to fill out a full application, which will include a hard credit pull.
U.S. Bank Shopper Cash Rewards
U.S. Bank Shopper Cash Rewards Review
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The U.S. Bank Shopper Cash Rewards Visa Signature Card offers an enticing rewards program for cardholders – 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center.
Also, this card provides a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. The first year comes with no annual fee.
The application process is swift, with decisions made in as little as 60 seconds. Flexible redemption options allow for cash back as a statement credit, rewards card, merchant gift cards, or direct deposits into U.S. Bank accounts.
- Rewards Plan: 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center.
- APR: 19.74% – 29.74%
- Annual fee: $95 ($0 on first year)
- Balance Transfer Fee: 3%, $5 minimum
- Foreign Transaction Fee: 3%
- Sign Up bonus: $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening
- 0% APR Introductory Rate period: 15 billing cycles if you transfer a balance in the first 60 days of opening your account
- High rewards rate
- High Welcome Bonus
- Bonus categories
- Annual fee
- Must enroll each quarter
- Foreign transaction fee
What are the eligible 6% bonus categories for this card?
The card offers 6% cash back at retailers like Apple, Amazon.com, Best Buy, Home Depot, Target, and more. The list is subject to change
How quickly can I get a decision on my card application?
You can receive a decision in as little as 60 seconds when applying for the U.S. Bank Shopper Cash Rewards Visa Signature Card.
What are some additional benefits of the U.S. Bank Shopper Cash Rewards Visa Signature Card?
Card benefits include purchase security, extended warranty protection, return protection, ID Navigator identity theft protections, and special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Can cash back be redeemed for travel rewards with this card?
The redemption options are primarily cash-based, and travel transfer partners are not available.
Apple Credit Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Apple Card, a collaboration between Apple and Goldman Sachs on the Mastercard network, presents a compelling rewards program, especially for avid Apple Pay users.
This no-annual-fee card offers 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases. The card stands out with innovative security features, debt management tools, and a unique numberless titanium physical card.
Despite its strengths, the Apple Card has limitations. It lacks a welcome bonus, and its 1% cash back on non-Apple or non-Apple Pay purchases may be uncompetitive compared to other rewards cards.
The card requires Apple hardware and Apple Pay for optimal benefits, and the physical titanium card must be requested separately. While it offers interest-free financing on select Apple products, it falls short in providing broader rewards compared to competitors.
- Rewards Plan: 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
- APR: 15.99% – 26.99% Variable
- Annual fee: $0
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: $0
- Sign Up bonus: N/A
- 0% APR Introductory Rate period: N/A
- Innovative Security Features
- Daily Cash Access
- Apple Card Family Account Sharing:
- Apple Products Interest-Free Financing
- Apple Savings Account
- Low Cash Back Outside Apple Ecosystem
- Requirement for Apple Hardware
- No Welcome Bonus
- Apple Pay Dependency
How do I apply for the Apple Card?
You can apply through the Wallet app on your iPhone, and if approved, you can use the card immediately.
How can I redeem the cash back earned with the Apple Card?
Cash back, known as “Daily Cash,” can be used for purchases, transferred to friends via Messages, used to pay your card bill, or added to a savings account.
Can I access my cash-back earnings immediately after making a purchase?
Yes, Daily Cash is accessible the day after a qualifying purchase is made.
How can I track my spending with the Apple Card?
The app provides color-coded spending categories and a visual “spending wheel” to help users analyze their spending habits.
Does the Apple Card offer additional benefits beyond cash back?
It provides features like Apple Pay-dependent rewards, unique card design, and access to Mastercard benefits like Priceless experiences and ID theft protection.
Can I use the Apple Card for purchases outside of Apple Pay?
Yes, the physical titanium card can be used, but purchases made with it only qualify for 1% cash back.
Is the physical titanium card automatically sent upon approval?
No, users need to request the physical card separately.
