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Citi® Double Cash Card

Annual Fee

$0

Rewards Rate

1% to 2%

You can earn a flat 2% cash-back rate; 1% for making a purchase and 1% for paying it off.

Welcome Bonus

None

Recommended Credit Score

  • 0% APR on balance transfer for 18 months
  • Earn 1% cash back when you make a purchase in any category and an extra 1% cash back when you pay off that purchase
  • No annual fee
  • Easy to earn rewards if you pay the balance in full every month
  • No limits on how much cash back you can earn
  • Can earn cash back in all categories
  • Can receive cash back as statement credit, direct deposit, check, or convert to points
  • No annual fee
  • 0% intro APR on balance transfers for 18 months
  • 13.99% – 23.99% APR after that

Why You’ll Like This Card

This card has an easy-to-understand cash back system, no annual fee, and a simple redemption policy.

Chase Freedom Unlimited

Annual Fee

$0

Rewards Rate

1.5% to 3.5%

1.5% cash back on all purchases, 3.5% on Lyft purchases and 5% on grocery stores for the first year

Welcome Bonus

$200

Earn a $200 bonus when you spend $500 in the first three months

Recommended Credit Score

  • Earn 1.5% cash back on all purchases, 3.5% on Lyft purchases and 5% on grocery store transactions (only in the first year)
  • No annual fee
  • 0% APR for 15 months on new purchases
  • Can redeem points for cash back, travel purchases, retailer gift cards, and more
  • Free three months of DashPass from DoorDash and then 50% off DashPass for nine months
  • No annual fee
  • 0% APR for the first 15 months
  • 14.99% to 23.74% APR after

You should make sure to spend enough to earn the bonus and use the card on all purchases, especially Lyft rides. You can also enjoy 0% APR for 15 months on new purchases.

Why You’ll Like This Card

This card has a simple cash-back rewards system, and an easy-to-reach sign-up bonus. If you frequently use Lyft or order food from DoorDash, you’ll love those extra perks.

Discover it® Student Cash Back

Discover it® Student Cash Back

Annual Fee

$0

Rewards Rate

1% to 5%

You’ll earn 5% cash back on categories that change every quarter and 1% cash back on all other purchases

Welcome Bonus

$20

If you maintain a 3.0 GPA for five years

Recommended Credit Score

  • Can earn up to 5% cash back on popular categories such as grocery stores, rideshare, restaurants, and Amazon.com
  • Will earn 1% cash back on all other purchases
  • No annual fee
  • No foreign transaction fees
  • Can earn an extra $20 if your GPA is 3.0 or higher each year (for five years max)
  • Rewards never expire, and there’s no minimum redemption amount
  • Cash back can be redeemed for statement credit
  • Discover provides free access to your FICO credit score and free credit alerts
  • No annual fee
  • No foreign transaction fees
  • 0% Intro APR for 6 months on purchases and then the 19.99% APR will apply
  • No late fee on your first late payment

This card has 0% APR on new purchases which is helpful for large purchases. You can also earn a $20 bonus if you have a 3.0 GPA or higher. You can also get 5% cash back on special categories that change every quarter.

Why You’ll Like This Card

There are few student credit cards that offer cash-back rewards, but this is one of them. Plus, Discover will match your first year’s cash back. For example, if you earned $1,000 in cash back, Discover will give you another $1,000.

Chase Sapphire Preferred

Annual Fee

$95

Rewards Rate

1% to 2%

Earn 2% cash back on travel and dining and 1% cash back on all other purchases

Welcome Bonus

60,000 bonus points

Available when you spend $4,000 in the first three months

Recommended Credit Score

  • Bonus offer is enough for a roundtrip flight
  • No foreign transaction fees
  • Free 12-month subscription to DashPass
  • 5% cash back on Lyft purchases
  • Can earn extra points when people sign up through your referral link

Why You’ll Like This Card

This credit card is easy to use, and the rewards can be redeemed for almost any kind of travel purchase. Plus, you can transfer rewards to a participating travel partner such as Delta or American Airlines or get it as a statement credit. There’s no minimum redemption amount.

Savor® Rewards from Capital One®

Savor® Rewards from Capital One®

Annual Fee

$95

Rewards Rate

1% to 4%

Earn 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.

Welcome Bonus

$300 bonus

When you spend $3,000 or more in the first three months

Recommended Credit Score

  • $300 sign-up bonus
  • No foreign transaction fees
  • No minimum redemption amount
  • Rewards don’t expire
  • Travel accident insurance included when you make a travel-related purchase with the card
  • Access to special events such as concerts, sports games, or culinary events
  • $95 annual fee
  • 15.99% – 24.99% APR
  • No foreign transaction fees

Make sure to use this card for all dining, grocery store, and entertainment purchases. You can also get a $300 bonus when you spend $3,000 in three months.

Why You’ll Like This Card

This card has one of the highest cash-back rates for dining and entertainment. If you love the nightlife or eating out, this card can help you save money.

Blue Cash Preferred® Card from American Express

Annual Fee

$95

Rewards Rate

1% to 6%

Earn 6% cash back on groceries (up to $6,000 in purchases) and streaming subscriptions such as Netflix, Spotify, and Disney+, 3% cash back on transportation, and 1% cash back on all other purchases.

Welcome Bonus

$250

When you spend $1,000 in the first three months

Recommended Credit Score

  • $250 bonus after spending $1,000 in the first three months
  • Earn 6% cash back on groceries (up to $6,000 in purchases) and on streaming subscriptions such as Netflix, Spotify, and Disney+
  • Earn 3% cash back on transportation including rideshare services, gas stations, trains, tolls, buses, and more
  • Earn 1% cash back on all other purchases
  • $95 annual fee
  • Rewards can be redeemed as statement credit
  • 0% intro APR on purchases for 12 months, then 13.99% to 23.99% APR
  • $95 annual fee
  • 2.7% foreign transaction fees

Make sure to earn the $250 bonus. Use this card when shopping for groceries, paying for streaming services, transportation, and more.

Why You’ll Like This Card

This card provides 6% cash back on groceries (up to $6,000 in purchases) which is the most out of any other cash-back card. Large families should utilize this card for their grocery purchases. You can also earn 6% cash back on streaming services such as Netflix, Spotify, and Disney+. Cardholders will also earn 3% cash back on transportation including rideshare services, gas stations, trains, tolls, buses, and more.

Venture® Rewards from Capital One®

Venture® Rewards from Capital One®

Annual Fee

$95

Rewards Rate

2%

Available on all purchases

Welcome Bonus

50,000 points

When you spend $3,000 in the first three months

Recommended Credit Score

Excellent

  • 50,000 points when you spend $3,000 in the first three months
  • Earn 2% cash back on all purchases
  • No limits on rewards
  • $95 annual fee
  • $95 annual fee
  • No foreign transaction fees
  • 17.24% – 24.49% APR

Customers should spend enough to get the 50,000-bonus point offer. People who take frequent vacations can utilize this card and charge purchases without incurring foreign transaction fees.

Why You’ll Like This Card

This card has a relatively low annual fee, high bonus offer, and a 2% cash-back rate. If you want to save money on traveling, pick up this card to earn enough for a free flight.

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