Reviews

Best Rewards Credit Cards

Maximizing Rewards: Get insights on cards that provide the best points or rewards programs for shopping, entertainment, and more.

Rickie C. Keys, Ph.D., MPH

Mar 23, 2024 — 28 min read

Alaska Airlines Visa® Credit Card

Features

Annual Fee: $95, aligning with industry standards for airline cards.
Welcome Bonus: Earn 70,000 bonus miles plus Alaska's Famous Companion Fare™ after spending $3,000 in the first 90 days.
Rewards Rates:
- 3 miles per $1 on eligible Alaska Airlines purchases.
- 2 miles per $1 on gas, EV charging stations, cable, streaming, and local transit, including ride-share.
- 1 mile per $1 on all other purchases.
Companion Fare: After spending $6,000 or more in the prior year, you can receive Alaska's Famous Companion Fare™ annually.

Amazon Prime Visa

Features

Annual Fee: $0, making it cost-effective for cardholders.
Rewards Rate: Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with a Prime membership.
Sign-Up Bonus: Instant $100 Amazon Gift Card upon approval for Prime members.
Additional Rewards: Earn 2% back at gas stations, restaurants, and on local transit and commuting; 1% back on all other purchases.
APR: Variable 19.49%-27.49%, depending on creditworthiness.

American Airlines AAdvantage® MileUp®

Features

Annual Fee: $0, making it accessible for many consumers.
Sign-Up Bonus: Earn 15,000 AAdvantage® bonus miles after spending $500 within the first 3 months.
Rewards Rate:
- 2 miles per $1 spent at grocery stores.
- 2 miles per $1 spent on eligible American Airlines purchases.
- 1 mile per $1 spent on all other purchases.
Loyalty Points: Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

Avant Cash Back Rewards Card

Features

Annual Membership Fee: Ranges from $0 to $75, with transparent costs and no hidden fees.
Credit Limit: Offers a range from $300 to $3,000, catering to various financial needs.
APR: Variable APRs from 29.24% to 35.99%, depending on creditworthiness and market conditions.
Application Process: Simple and fast online application with immediate decision-making.
Credit Building: Designed to help users improve their credit score through responsible use.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card

Features

Cash Back Rates: Earn 3% cash back in a category of your choice, 2% on dining (up to $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% on all other purchases.
Annual Fee: $0, making it cost-effective for business owners.
Welcome Bonus: $300 statement credit after spending $3,000 in the first 90 days.
Intro APR: 0% on purchases for the first 9 billing cycles, then a variable APR of 18.49% - 28.49%.
Choice Category: Changeable once each calendar month through Mobile Banking or Business Advantage 360.

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

Features

Rewards Rate: Earn unlimited 1.5 points per dollar on every purchase.
Annual Fee: $0, ensuring cost savings for businesses.
Welcome Bonus: 30,000 bonus points after spending $3,000 within the first 90 days, equivalent to a $300 statement credit towards travel or dining.
Intro APR: 0% on purchases for the first 9 billing cycles, transitioning to a variable APR of 18.49% to 28.49% thereafter.
Preferred Rewards for Business: Join for no fee and potentially earn up to 2.62 points per dollar if you qualify for the Platinum Honors tier.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card

Features

Cash Back: Earn unlimited 1.5% cash back on all purchases.
Welcome Offer: $300 online statement credit after $3,000 purchases within the first 90 days.
Annual Fee: $0, making it cost-effective for businesses.
APR: 0% introductory APR on purchases for the first 9 billing cycles, then a variable APR of 18.49% to 28.49%.
Preferred Rewards: Up to 75% more cash back for qualifying business checking account holders, potentially reaching 2.62% cash back on all purchases.

Bank of America® Customized Cash Rewards Credit Card

Features

Cash Back Rates: Earn 3% cash back in a category of your choice, 2% on dining (up to $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% on all other purchases.
Annual Fee: $0, making it cost-effective for business owners.
Welcome Bonus: $300 statement credit after spending $3,000 in the first 90 days.
Intro APR: 0% on purchases for the first 9 billing cycles, then a variable APR of 18.49% - 28.49%.
Choice Category: Changeable once each calendar month through Mobile Banking or Business Advantage 360.

Bank of America® Customized Cash Rewards Credit Card for Students

Features

Cash Back Rates: 1%-3% on purchases.
Annual Fee: $0, making it accessible for students.
Welcome Bonus: $200 after $1,000 purchases within the first 90 days.
Intro Purchase APR: 0% for 15 billing cycles, offering a break on interest for new purchases.
Regular APR: 18.24% - 28.24% Variable, depending on creditworthiness.
Balance Transfer: Intro fee of 3% for the first 60 days, then 4%.

Bank of America® Travel Rewards Credit Card

Features

Reward Rate: Earn unlimited 1.5 points for every $1 spent on all purchases.
Annual Fee: $0, making it cost-effective for frequent travelers.
Welcome Bonus: Earn 25,000 bonus points after spending $1,000 in purchases within the first 90 days of account opening, equivalent to $250 in travel statement credits.
Foreign Transaction Fees: None, which is perfect for international purchases.
Intro APR: 0% on purchases and balance transfers for the first 15 billing cycles following the account opening.

Bank of America® Travel Rewards Credit Card for Students

Features

APR: 0% Intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days, then a Variable APR of 18.24% - 28.24%.
Annual Fee: $0, making it budget-friendly for students.
Rewards Rate: Earn unlimited 1.5 points per $1 on all purchases, allowing flexible earning without categories.
Sign-up Bonus: Earn 25,000 online bonus points after $1,000 purchases within the first 90 days, equivalent to a $250 statement credit for travel purchases.

Bank of America® Unlimited Cash Rewards Credit Card

Features

Cash Back: Unlimited 1.5% on all purchases.
Annual Fee: $0, making it budget-friendly for students.
Welcome Bonus: $200 after spending $1,000 within the first 90 days.
Intro APR: 0% for purchases and balance transfers within the first 15 billing cycles within 60 days.
Regular APR: Variable, currently 18.24% - 28.24% after the intro period.
Balance Transfer Fee: 3% intro fee for the first 60 days, then 4%.

Bilt World Elite Mastercard® Credit Card

Features

Annual Fee: None, making it accessible for all renters.
Rewards on Rent: Earn 1X points on rent payments, up to 100,000 points annually, without transaction fees.
Travel and Dining Rewards: 2X points on travel booked directly, 3X on dining, and a special 5X points on Lyft rides, diversifying earning opportunities.
Usage Requirement: Use the card 5 times each billing cycle to unlock points earned, ensuring regular engagement.

Blue Cash Preferred® Card from American Express

Features

Annual Fee: $0, ensuring cost savings over time.
Rewards Rate: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases, up to $6,000 per year in each category, then 1%.
Sign-up Bonus: A $200 statement credit after spending $2,000 within the first 6 months.
Intro APR: 0% on purchases and balance transfers for 15 months, transitioning to a variable APR of 19.24%-29.99% afterward.
Recommended Credit Score: 690-850 (Good to Excellent), ensuring the card is targeted towards users with a solid credit history.

Capital One Quicksilver Cash Rewards Credit Card

Features

No Annual Fee: Enjoy the benefits of a credit card without the burden of an annual fee.
Cash Back Rewards: Earn unlimited 1.5% cash back on all purchases, with no categories to track or limits on how much you can earn. Additionally, earn 5% cash back on hotels and rental cars booked through Capital One Travel.
Credit Building: This card is ideal for individuals with limited or bad credit history. It reports to all three major credit bureaus, improving credit scores.
Additional Benefits: Up to 6 months complimentary Uber One membership, $0 Fraud Liability, automatic consideration for a higher credit line in as little as 6 months, and access to CreditWise from Capital One to monitor your credit score.

Capital One Quicksilver Cash Rewards for Good Credit

Features

Cash Back Rates:
- Everyday Purchases: Earn unlimited 1.5% cash back on every purchase, every day.
- Travel Bookings: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Annual Fee: $0, making it accessible for regular use without extra costs.
APR: 29.99% variable APR on purchases and transfers.
Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater.

Capital One SavorOne Cash Rewards Credit Card

Features

Annual Fee: $0, making it an economically sound choice for everyday use.
Intro APR: 0% intro APR for 15 months on purchases and balance transfers, offering a period of financial flexibility.
Regular APR: Post-introductory period, a variable APR of 19.99%-29.99% applies.
Sign-Up Bonus: Earn a one-time $200 cash bonus after spending $500 within the first 3 months.
Rewards Rate:
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
- 1% cash back on all other purchases.
- Special rates include 10% cash back on Uber & Uber Eats, plus complimentary Uber One membership credits through 11/14/2024, and 8% cash back on Capital One Entertainment purchases.

Capital One Spark Cash Select for Excellent Credit

Features

Cash Back: Earn unlimited 1.5% cash back on all purchases and 5% on hotels and rental cars booked through Capital One Travel.
Welcome Bonus: $750 bonus when you spend $6,000 within the first 3 months.
Annual Fee: $0, making it a cost-effective choice for business owners.
Employee Cards: Free employee cards that also earn unlimited cash back.

Capital One Venture Rewards Credit Card

Features

Annual Fee: $95, a standard charge for a premium rewards card.
Rewards Rate: 2x miles on every purchase; 5x miles on hotels and car rentals booked through Capital One Travel.
Sign-Up Bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months.
Regular APR: Variable APR of 19.99%-29.99% after the introductory period.

Capital One Venture X Rewards Credit Card

Features

Reward Rates: Earn 10X miles on hotels and rental cars, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases.
Annual Fee: $395, justified by premium travel benefits.
Welcome Bonus: Earn 75,000 bonus miles after spending $4,000 within the first 3 months, equivalent to $750 in travel.

Chase Freedom Flex℠

Features

Annual Fee: $0, offering high value without the cost.
Rewards Structure: A dynamic mix of 5% cash back in rotating quarterly categories (up to $1,500 in combined purchases upon activation), 5% on travel booked through Chase, 3% on dining and drugstore purchases, and 1% on everything else.
Intro APR: 0% on purchases and balance transfers for 15 months, easing the burden on large expenses or existing debt.

Chase Freedom Unlimited®

Features

Annual Fee: $0, making it an economical choice for all users.
Rewards Rate: Versatile earning with 1.5% cash back on all purchases, 3% on dining and drugstore purchases, and 5% on travel booked through Chase Ultimate Rewards®.
Intro APR: Offers 0% intro APR on purchases and balance transfers for 15 months, providing a window of financial flexibility.
Sign-Up Bonus: An attractive offer of an additional 1.5% cash back on everything you buy (up to $20,000 spent) in the first year, potentially adding up to $300 cashback.

Chase Sapphire Preferred® Card

Features

Annual Fee: $95, striking a balance between affordability and value.
Sign-Up Bonus: Earn 60,000 bonus points after spending $4,000 in the first 3 months, equivalent to $750 toward travel when redeemed through Chase Ultimate Rewards®.
Rewards Rate: Earn between 1x and 5x points per dollar spent, with enhanced earnings on travel and dining.
Recommended Credit Score: 690-850 (Good to Excellent), ensuring accessibility for many consumers.

Citi Custom Cash® Card

Features

Annual Fee: $0, making it a budget-friendly option.
Rewards: Earn 5% cash back in your highest spending category each billing cycle (on up to $500 spent, 1% thereafter), plus an unlimited 1% back on all other purchases.
Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. The bonus is fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back.
Intro APR: 0% on Purchases and Balance Transfers for 15 months, after which a variable APR of 19.24%-29.24% applies.
Recommended Credit Score: 630-850 (Fair to Excellent).

Citi Double Cash® Card

Features

Annual Fee: $0, offering value without cost.
Rewards Rate: 2% cash back on all purchases: 1% when you buy, plus an additional 1% as you pay for those purchases.
Intro APR: 0% intro APR on Balance Transfers for 18 months, then a Variable APR of 19.24%-29.24%.
Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. The bonus is 20,000 ThankYou® Points, redeemable for $200 cash back.
Special Offer: 5% total cash back on hotel, car rentals, and attractions booked through the Citi Travel℠ portal until 12/31/24.

Citi® / AAdvantage® Executive World Elite Mastercard®

Features

Annual Fee: $595.
Sign-Up Bonus: Earn 70,000 AAdvantage® miles after $7,000 spend within the first 3 months.
Earning Rates:
- 10 miles/$1 on eligible car rentals and hotels booked via AA.
- 4 miles/$1 on eligible American Airlines purchases up to $150,000 per year (5 miles/$1 thereafter).
- 1 mile/$1 on all other purchases.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Features

Card Type: Airline.
Annual Fee: $0 introductory rate for the first year, then $99.
Sign-up Bonus: Earn 50,000 AAdvantage® miles after spending $2,500 in the first 3 months.
2 Miles per $1 spent on:
- American Airlines purchases.
- Restaurant and gas station expenditures.
1 Mile per $1 spent on all other purchases.

Citi Custom Cash® Card

Features

Annual Fee: $0, making it a budget-friendly option.
Rewards: Earn 5% cash back in your highest spending category each billing cycle (on up to $500 spent, 1% thereafter), plus an unlimited 1% back on all other purchases.
Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. The bonus is fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back.
Intro APR: 0% on Purchases and Balance Transfers for 15 months, after which a variable APR of 19.24%-29.24% applies.
Recommended Credit Score: 630-850 (Fair to Excellent).

Citi Double Cash® Card

Features

Annual Fee: $0, offering value without cost.
Rewards Rate: 2% cash back on all purchases: 1% when you buy, plus an additional 1% as you pay for those purchases.
Intro APR: 0% intro APR on Balance Transfers for 18 months, then a Variable APR of 19.24%-29.24%.
Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. Bonus awarded as 20,000 ThankYou® Points, redeemable for $200 cash back.
Special Offer: 5% total cash back on hotel, car rentals, and attractions booked through the Citi Travel℠ portal until 12/31/24.

Citi Premier® Card

Features

Annual Fee: $95
APR: Variable 21.24%-29.24%
Sign-up Bonus: Earn 60,000 ThankYou® Points after spending $4,000 within the first 3 months.
Earn Rate:
- 3 points per $1 on air travel, hotels, restaurants, and supermarkets.
- 1 point per $1 on all other purchases.
Benefits:
- No foreign transaction fees.
- $100 annual hotel savings on bookings over $500.
Credit Requirement: Good to excellent (690-850).

Citi Rewards+® Card

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year, then 1X
Earn 1X ThankYou® Points on All Other Purchases
Earn 20,000 bonus points after you spend $1,500 in purchases within 3 months of account opening
Special offer: Earn a total of 5X ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked on CitiTravel.com through December 31, 2025
Round up to the nearest 10 points on every purchase
Get 10% of your redeemed points back each year (for the first 100,000 points redeemed annually)
No annual fee

Costco Anywhere Visa® Business Card by Citi

Features

Annual Fee: $0 (with paid Costco membership)
APR: 20.49% variable, based on the Prime Rate
Cash Advances: 29.99% APR
Citi Flex Plan: 20.49% APR
Foreign Transaction Fees: None

Costco Anywhere Visa® Card by Citi

Features

Annual Fee: $0 (with paid Costco membership)
APR: 20.49% variable, based on the Prime Rate
Cash Advances: 29.99% APR
Citi Flex Plan: 20.49% APR
Foreign Transaction Fees: None

Credit One Bank American Express® Card

Features

Annual Fee: $395
APR: Variable 19.99% to 29.99%
Rewards:
- Earn 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases.
Welcome Bonus: 75,000 miles after spending $4,000 within the first 3 months.

Credit One Bank American Express® Unlimited Rewards Card

Credit One Bank Platinum Rewards Visa®

Credit One Bank Platinum Visa®

Credit One Bank Secured Card

Credit One Bank Wander® Card

Credit One Bank® Platinum Visa® for Rebuilding Credit

Destiny™ Mastercard® Cashback Rewards

Discover it® Balance Transfer

Discover it® Cash Back

Features

Annual Fee: $0, making it an attractive option for budget-conscious users.
Rewards Rate: Earn 5% cash back in rotating quarterly categories up to the quarterly maximum when you activate, plus unlimited 1% cash back on all other purchases.
Intro APR: 0% intro APR on purchases and balance transfers for 15 months, providing flexibility for new purchases or debt consolidation.
Sign-Up Bonus: An innovative Unlimited Cashback Match for the first year, where Discover matches all the cash back you've earned at the end of your first year, with no limit.

Discover it® Chrome

Features

Cashback Rates:
- 2% at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- 1% on all other purchases.
Annual Fee: $0
Intro APR: 0% for 15 months on purchases and balance transfers, then 17.24% to 28.24% variable APR.

Discover it® Student Chrome

Features

Annual Fee: $0, making it an economical choice for students.
Reward Rates: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus 1% on all other purchases.
Intro APR: Offers a 0% intro APR on purchases for 6 months and 10.99% on balance transfers for 6 months, which is beneficial for managing initial expenses.
Credit Building: Designed to help students build credit, with no FICO score required for application.

Discover it® Miles

Features

Earning Rate: 1.5x Miles on every dollar spent on all purchases.
Annual Fee: $0
Intro APR: 0% for 15 months on purchases and balance transfers, then a variable APR of 17.24% to 28.24%.

Discover it® Student Cash Back

Features

Annual Fee: $0, ensuring students can focus on building credit without extra costs.
APR: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, followed by a variable APR of 18.24%-27.24%.
Rewards: Earn 5% cash back in rotating categories each quarter, up to the quarterly maximum when you activate, plus an unlimited 1% back on all other purchases.
Intro Offer: Unlimited Cashback Match from Discover, doubling all the cash back you earn in your first year.

Discover it® Student Chrome

Features

Annual Fee: $0, making it budget-friendly for students.
APR: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, then a Variable APR of 18.24%-27.24%.
Rewards: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% on all other purchases.
Intro Offer: Discover's Cashback Match™ doubles all the cash back you've earned at the end of your first year.

Disney® Premier Visa® Card

Features

Annual Fees: $49 for Premier, None for Standard.
Statement Credit Offers: Up to $400 on Premier after initial spend.
Rewards: Up to 5% in Disney Rewards Dollars on select purchases.

First Latitude Select Mastercard® Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card

First Progress Platinum Select Mastercard® Secured Credit Card

IHG One Rewards Premier Credit Card

IHG One Rewards Traveler Credit Card

Indigo® Mastercard® Cashback Rewards

Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

Ink Business Unlimited® Credit Card

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Business® American Express® Card

Mastercard® Black Card™

Mastercard® Gold Card™

Mastercard® Titanium Card™

My GM Rewards® Mastercard®

OpenSky® Plus Secured Visa® Credit Card

OpenSky® Secured Credit Visa® Card

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Premier Business Credit Card

Southwest Rapid Rewards® Premier Credit Card

Features

Annual Fee: $99, a moderate cost for frequent flyers.
Sign-up Bonus: Earn 60,000 points after spending $3,000 in the first 3 months.
Rewards Rate: 3X points on Southwest® purchases; 2X on Rapid Rewards® hotel and car partners, local transit, and commuting; and 1X on all other purchases.
Anniversary Bonus: 6,000 points for each card member's anniversary, helping offset the annual fee.
A-List Status Path: Earn tier qualifying points towards A-List status with each purchase.

Southwest® Rapid Rewards® Premier Credit Card

Features

Annual Fee: $99, applied to the first billing statement.
Sign-up Bonus: Earn 60,000 bonus points after spending $3,000 in the first 3 months.
Rewards Rate: 3X points on Southwest® purchases; 2X points on Rapid Rewards® hotel and car rental partner purchases, local transit, and commuting, including rideshare; 1X points on all other purchases.
Anniversary Bonus: 6,000 points each year on your cardmember anniversary.

Sparrow Rewards Mastercard®

Features

Annual Fee: $59 for the first year, $99 thereafter.
Rewards Rate: 1% cash back on all purchases, conditioned on on-time payments.
Credit Reporting: Regular reporting to the three major credit bureaus.

United Club℠ Infinite Card

Features

Annual Fee: $525.
APR: Variable 21.99%–28.99%.
Rewards: Earn up to 4x miles on United purchases, 2x on dining and all other travel.

United Gateway℠ Card

United℠ Business Card

United℠ Explorer Card

Features

Annual Fee: $0 intro for the first year, then $95, balancing cost with benefits.
APR: Variable APR of 21.99%-28.99%, standard for rewards cards.
Sign-Up Bonus: Earn 50,000 bonus miles after spending $3,000 in the first 3 months.
Rewards: 2 miles per $1 on United, dining, and hotel stays; 1 mile per $1 on all other purchases.
Foreign Transaction Fee: None, ideal for international travelers.

United Quest℠ Card

Upgrade Card

Upgrade Cash Rewards Elite Visa®

Upgrade Cash Rewards Visa®

Upgrade Life Rewards Visa®

Upgrade Select Visa ®

Upgrade Triple Cash Rewards Visa®

Upgrade Unlimited Cash Rewards Visa®

U.S. Bank Altitude® Go Visa Signature® Card

Features

Annual Fee: $0, making it cost-effective for all users.
APR: 0% intro APR for 12 billing cycles on purchases and balance transfers, then 18.24%-29.24% Variable APR.
Rewards: Earn 4X points on dining, 2X on streaming services, groceries, gas stations, and EV charging.
Sign-Up Bonus: Earn 20,000 bonus points after making $1,000 in purchases within 90 days, which equals $200 in value.

U.S. Bank Cash+® Visa Signature® Card

Features

Annual Fee: $0, eliminating cost concerns for cardholders.
Rewards: Select two categories each quarter for 5% cash back (up to $2,000 in combined purchases), plus one category for unlimited 2% cash back.
Sign-Up Bonus: $200 bonus after spending $1,000 in the first 120 days.
Intro APR: 0% for 15 billing cycles on purchases and balance transfers, then 19.49%-29.74% Variable APR.

Wells Fargo Active Cash® Card

Features

Annual Fee: $0, making it an economical choice for all users.
Rewards Rate: Unlimited 2% cashback on all purchases, simplifying the rewards system.
Sign-up Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.
Intro APR: Enjoy a 0% intro APR on Purchases and Balance Transfers for 15 months from account opening, followed by a Variable APR of 20.24%, 25.24%, or 29.99%.
Foreign Transaction Fee: 3%, applicable on purchases made outside the U.S.

Wells Fargo Autograph℠ Card

Features

Bonus Points: Earn 20,000 bonus points after spending $1,000 in the first 3 months, equivalent to a $200 cash redemption value.
Earning Potential: Unlimited 3X points on dining, travel, gas, transit, streaming services, and phone plans. 1X points on other purchases.
Introductory APR: 0% intro APR for 12 months on purchases, with a variable APR of 20.24% to 29.99% thereafter.
Annual Fee: $0, making it cost-effective for frequent users.

World of Hyatt Credit Card

Features

Annual Fee: $95, waived the first year.
APR: Variable 21.49%-28.49%, emphasizing the card's premium nature.
Sign-Up Bonus: Up to 60,000 Bonus Points, split into two phases to incentivize spending.
Rewards Rate: Up to 9 points per dollar at Hyatt, 2 points on dining, flights booked directly, local transit, and gym memberships.