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Best Credit Cards of November 2025

Updated: Nov 5, 2025
Paul Soucy
Written by
Paul Soucy
Director of Content
Sara Rathner
Reviewed by
Sara Rathner
Senior Writer/Spokesperson
Kenley Young
Edited by
Kenley Young
Fact Checked
Managing Editor
Fact Checked
Paul Soucy
Written by
Paul Soucy
Director of Content
+ 2 more + 2 more
Sara Rathner
Reviewed by
Sara Rathner
Senior Writer/Spokesperson
Kenley Young
Edited by
Kenley Young
Fact Checked
Managing Editor
Fact Checked
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
The best credit card is one that's best aligned with your specific needs. Savvymints's credit card experts have reviewed and rated hundreds of options for the best credit cards of 2025 � from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help, so you can find the best fit for your needs.
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  • 400+ credit cards reviewed by our team of experts ( See our top picks )

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics ( Methodology )

Savvymints's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

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Best Credit Cards of 2025: Best Offers

Savvymints's Best Credit Card Offers of November 2025

Credit card
Savvymints rating
Annual fee Intro offer Rewards rate Apply now
Chase Freedom Unlimited� Image Chase Freedom Unlimited�
5.0 /5
Best for All-around cash back

$0
$200

1.5%-5%

Cashback
Wells Fargo Active Cash� Card Image Wells Fargo Active Cash� Card
5.0 /5
Best for 2% cash back

$0
$200

2%

Cashback
Citi Simplicity� Card Image Citi Simplicity� Card
4.5 /5
Best for Balance transfers + no late fees

$0
N/A

N/A
Chase Sapphire Preferred� Card Image Chase Sapphire Preferred� Card
4.7 /5
Best for Bonus travel rewards

$95
75,000
points

1x-5x

Points
Capital One Savor Cash Rewards Credit Card Image Capital One Savor Cash Rewards Credit Card
5.0 /5
Best for Food and entertainment

$0
$100 Credit + $200 Cash Bonus

1%-8%

Cashback
Wells Fargo Reflect� Card Image Wells Fargo Reflect� Card
4.5 /5
Best for Longest Intro APR period for transfers and purchases

$0
N/A

N/A
Blue Cash Preferred� Card from American Express Image Blue Cash Preferred� Card from American Express
5.0 /5
Best for Families & households

$0 intro annual fee for the first year, then $95.
$250

1%-6%

Cashback
American Express Platinum Card� Image American Express Platinum Card�
5.0 /5
Best for Luxury travel perks

$895
As High As 175,000 Points. Find Out Your Offer.

1x-5x

Points
Capital One Venture Rewards Credit Card Image Capital One Venture Rewards Credit Card
4.7 /5
Best for Simple travel rewards

$95
75,000
miles

2x-5x

Miles
U.S. Bank Shield� Visa� Card Image U.S. Bank Shield� Visa� Card
4.6 /5
Best for Long intro APR period + side perks

$0
N/A

4%

Cashback
Discover it� Cash Back - 18 Month Intro Balance Transfer Offer Image Discover it� Cash Back - 18 Month Intro Balance Transfer Offer
4.9 /5
Best for Long intro period + quarterly categories

$0
Cashback Match�

1%-5%

Cashback
Capital One Venture X Rewards Credit Card Image Capital One Venture X Rewards Credit Card
4.9 /5
Best for Travel portal benefits

$395
75,000
miles

2x-10x

Miles
Capital One Savor Student Cash Rewards Credit Card Image Capital One Savor Student Cash Rewards Credit Card
5.0 /5
Best for Going out & staying in

$0
$50

1%-8%

Cashback

Best Credit Cards of 2025

  • Best for: All-around cash back

    Annual fee
    $0
    Rewards rate
    1.5%-5%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 15 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 15 months
    Regular APR
    18.74%-28.24% Variable APR

    Chase Freedom Unlimited�

    Chase Freedom Unlimited� card image
    Savvymints rating
    5.0
    Annual fee
    $0
    Rewards rate
    1.5%-5%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 15 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 15 months
    Regular APR
    18.74%-28.24% Variable APR
    Rewards breakdown
    5%
    Cash back on travel purchased through Chase Travel?.
    3%
    Cash back on drugstore purchases.
    3%
    Cash back on dining at restaurants, including takeout and eligible delivery services.
    1.5%
    Cash back on all other purchases.
    Card details
    • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase Travel?, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
    • No annual fee � You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited� card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC
    • View Rates & Fees
    S Savvymints 's take
    Pros
    • No annual fee
    • Intro APR period
    • High rewards rate
    • No minimum redemption amount
    Cons
    • Requires good/excellent credit
    Read full review

  • Best for: 2% cash back

    Annual fee
    $0
    Rewards rate
    2%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR for 12 months from account opening on purchases
    Balance transfer intro APR
    0% intro APR for 12 months from account opening on qualifying balance transfers
    Regular APR
    18.74%, 24.74%, or 28.74% Variable APR

    Wells Fargo Active Cash� Card

    Wells Fargo Active Cash� Card card image
    Savvymints rating
    5.0
    Annual fee
    $0
    Rewards rate
    2%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR for 12 months from account opening on purchases
    Balance transfer intro APR
    0% intro APR for 12 months from account opening on qualifying balance transfers
    Regular APR
    18.74%, 24.74%, or 28.74% Variable APR
    Rewards breakdown
    2%
    Unlimited Cash rewards on purchases.
    Card details
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
    • Earn unlimited 2% cash rewards on purchases.
    • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
    • $0 annual fee.
    • No categories to track or remember and cash rewards don�t expire as long as your account remains open.
    • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature� Concierge.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • View Rates & Fees
    S Savvymints's take
    Pros
    • High rewards rate
    • No annual fee
    • Intro APR period
    Cons
    • No bonus categories
    Read full review

  • Best for: Balance transfers + no late fees

    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 12 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 21 months
    Regular APR
    17.99%-28.74% Variable APR

    Citi Simplicity� Card

    Citi Simplicity� Card card image
    Savvymints rating
    4.5
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 12 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 21 months
    Regular APR
    17.99%-28.74% Variable APR
    Card details
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.99% - 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • Stay protected with Citi� Quick Lock
    • View Rates & Fees
    S Savvymints's take
    Pros
    • No annual fee
    • Intro APR period
    Cons
    • No rewards
    • No new cardholder bonus offer
    • Requires good/excellent credit
    Read full review

  • Best for: Bonus travel rewards

    Annual fee
    $95
    Rewards rate
    1x-5x
    Points
    Intro offer
    75,000
    points
    Regular APR
    19.74%-27.99% Variable APR
    Recommended credit score
    690-850(Good - Excellent)

    Chase Sapphire Preferred� Card

    Chase Sapphire Preferred� Card card image
    Savvymints rating
    4.7
    Annual fee
    $95
    Rewards rate
    1x-5x
    Points
    Intro offer
    75,000
    points
    Regular APR
    19.74%-27.99% Variable APR
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    5x
    Points on travel purchased through Chase Travel?.
    3x
    Points on dining.
    3x
    Points on select streaming services.
    3x
    Points on online groceries.
    2x
    Points on all other travel purchases.
    1x
    Point on all other purchases.
    Card details
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy bene?ts such as 5x on travel purchased through Chase Travel?, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel?
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC
    • View Rates & Fees
    S Savvymints's take
    Pros
    • New cardholder bonus offer
    • Bonus categories
    • Primary rental car coverage
    • Flexible rewards redemption
    • Transfer partners
    Cons
    • Has annual fee
    • Requires good/excellent credit
    • Complicated rewards
    Read full review

  • Best for: Food and entertainment

    Annual fee
    $0
    Rewards rate
    1%-8%
    Cashback
    Intro offer
    $100 Credit + $200 Cash Bonus
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro on purchases for 12 months
    Balance transfer intro APR
    0% intro on balance transfers for 12 months; balance transfer fee applies
    Regular APR
    18.99%-28.99% Variable APR

    Capital One Savor Cash Rewards Credit Card

    Capital One Savor Cash Rewards Credit Card card image
    Savvymints rating
    5.0
    Annual fee
    $0
    Rewards rate
    1%-8%
    Cashback
    Intro offer
    $100 Credit + $200 Cash Bonus
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro on purchases for 12 months
    Balance transfer intro APR
    0% intro on balance transfers for 12 months; balance transfer fee applies
    Regular APR
    18.99%-28.99% Variable APR
    Rewards breakdown
    8%
    Cash back on Capital One Entertainment purchases.
    5%
    Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
    3%
    Cash back on dining.
    3%
    Cash back on entertainment.
    3%
    Cash back on popular streaming services.
    3%
    Cash back at grocery stores (excluding superstores like Walmart� and Target�).
    1%
    Cash back on all other purchases.
    Card details
    • LIMITED- TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
    • $0 annual fee and no foreign transaction fees
    • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart� and Target�), on dining, entertainment and popular streaming services, plus 1% on all other purchases
    • Earn 8% cash back on Capital One Entertainment purchases
    • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 12 months; 18.99% - 28.99% variable APR after that; balance transfer fee applies
    • View Rates & Fees
    S Savvymints's take
    Pros
    • No annual fee
    • Intro APR period
    • Bonus categories
    • No foreign transaction fees
    Cons
    • Requires good/excellent credit
    Read full review

  • Best for: Longest Intro APR period for transfers and purchases

    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR for 21 months from account opening on purchases
    Balance transfer intro APR
    0% intro APR for 21 months from account opening on qualifying balance transfers
    Regular APR
    17.74%, 24.24%, or 28.49% Variable APR

    Wells Fargo Reflect� Card card image
    Savvymints rating
    4.5
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR for 21 months from account opening on purchases
    Balance transfer intro APR
    0% intro APR for 21 months from account opening on qualifying balance transfers
    Regular APR
    17.74%, 24.24%, or 28.49% Variable APR
    Card details
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
    • $0 annual fee.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
    • View Rates & Fees
    S Savvymints's take
    Pros
    • No annual fee
    • Intro APR period
    Cons
    • No rewards
    Read full review

  • Best for: Families & households

    Annual fee
    $0 intro annual fee for the first year, then $95.
    Rewards rate
    1%-6%
    Cashback
    Intro offer
    $250
    Recommended credit
    Good - Excellent
    Purchase intro APR
    0% intro APR on purchases for 12 months from the date of account opening
    Balance transfer intro APR
    0% intro APR on balance transfers for 12 months from the date of account opening
    APR
    19.74%-28.74% Variable APR

    Blue Cash Preferred� Card from American Express

    Blue Cash Preferred� Card from American Express card image
    Savvymints rating
    5.0
    Annual fee
    $0 intro annual fee for the first year, then $95.
    Rewards rate
    1%-6%
    Cashback
    Intro offer
    $250
    Recommended credit
    Good - Excellent
    Purchase intro APR
    0% intro APR on purchases for 12 months from the date of account opening
    Balance transfer intro APR
    0% intro APR on balance transfers for 12 months from the date of account opening
    APR
    19.74%-28.74% Variable APR
    Rewards breakdown
    6%
    Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    6%
    Cash Back on select U.S. streaming subscriptions.
    3%
    Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    1%
    Cash Back on other purchases.
    Card details
    • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74% - 28.74%.
    • Plan It�: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don�t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express� App to see your plan options. Plus, you�ll still earn rewards on purchases the way you usually do.
    • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    • Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred� Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
    • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
    • Terms Apply.
    • View Rates & Fees
    S Savvymints's take
    Pros
    • High rewards rate
    • Bonus categories
    • Intro APR period
    • Cash rewards
    Cons
    • Has annual fee
    • Requires good/excellent credit
    • Spending caps on bonus rewards
    Read full review

  • Best for: Luxury travel perks

    Annual fee
    $895
    Rewards rate
    1x-5x
    Points
    Intro offer
    As High As 175,000 Points. Find Out Your Offer.
    APR
    See Pay Over Time APR
    Recommended credit
    Good - Excellent

    American Express Platinum Card�

    American Express Platinum Card� card image
    Savvymints rating
    5.0
    Annual fee
    $895
    Rewards rate
    1x-5x
    Points
    Intro offer
    As High As 175,000 Points. Find Out Your Offer.
    APR
    See Pay Over Time APR
    Recommended credit
    Good - Excellent
    Rewards breakdown
    5x
    Membership Rewards� Points on flights purchased directly from airlines or through American Express Travel� on up to $500,000 on these purchases per calendar year.
    5x
    Membership Rewards� Points on prepaid hotel bookings through American Express Travel�, including Fine Hotels + Resorts� and The Hotel Collection bookings.
    1x
    Membership Rewards� Points on other purchases.
    Card details
    • You may be eligible for as high as 175,000 Membership Rewards� points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you�re approved and find out your exact welcome offer amount � all with no credit score impact. If you�re approved and choose to accept the Card, your score may be impacted.
    • Get more for your travels with 5X Membership Rewards� points on all flights and prepaid hotel bookings through American Express Travel�, including Fine Hotels + Resorts� and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel� on up to $500,000 on these purchases per calendar year.
    • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection�, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club� visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
    • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card� you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card� to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card� to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
    • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card� at participating partners. Enrollment required.
    • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts� or The Hotel Collection* bookings through American Express Travel� using the Platinum Card�. *The Hotel Collection requires a minimum two-night stay.
    • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card� to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card�. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
    • More Value! $209 CLEAR� Plus Credit: CLEAR� Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card�. *Excluding any applicable taxes and fees. Subject to auto-renewal.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card� Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
    • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts� through American Express Travel�, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
    • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card� for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That�s up to $300 in statement credits each calendar year. Enrollment required.
    • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card�.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
    • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card�. That�s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
    • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
    • $895 annual fee.
    • Terms Apply.
    • View Rates & Fees
    S Savvymints's take
    Pros
    • Bonus categories
    • Transfer partners
    • Luxury perks
    • Lounge membership
    • Automatic elite status
    Cons
    • Has annual fee
    • Complicated rewards
    • Requires good/excellent credit
    Read full review

  • Best for: Simple travel rewards

    Annual fee
    $95
    Rewards rate
    2x-5x
    Miles
    Intro offer
    75,000
    miles
    Regular APR
    19.99%-28.99% Variable APR
    Recommended credit score
    690-850(Good - Excellent)

    Capital One Venture Rewards Credit Card

    Capital One Venture Rewards Credit Card card image
    Savvymints rating
    4.7
    Annual fee
    $95
    Rewards rate
    2x-5x
    Miles
    Intro offer
    75,000
    miles
    Regular APR
    19.99%-28.99% Variable APR
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    5x
    Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
    2x
    Miles on every purchase, every day.
    Card details
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Receive up to a $120 credit for Global Entry or TSA PreCheck�
    • Use your miles to get reimbursed for any travel purchase�or redeem by booking a trip through Capital One Travel
    • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • View Rates & Fees
    S Savvymints's take
    Pros
    • High rewards rate
    • Flexible rewards redemption
    Cons
    • Has annual fee
    • Requires good/excellent credit
    Read full review

  • Best for: Long intro APR period + side perks

    Annual fee
    $0
    Rewards rate
    4%
    Cashback
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 18 billing cycles
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 billing cycles
    Regular APR
    17.24%-28.24% Variable APR

    U.S. Bank Shield� Visa� Card

    U.S. Bank Shield� Visa� Card card image
    Savvymints rating
    4.6
    Annual fee
    $0
    Rewards rate
    4%
    Cashback
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 18 billing cycles
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 billing cycles
    Regular APR
    17.24%-28.24% Variable APR
    Rewards breakdown
    4%
    Cash back on prepaid air, hotel and car reservations booked directly in the Travel Center.
    Card details
    • 0% intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24% - 28.24%.
    • 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
    • Get a $20 annual statement credit for 11 consecutive months of purchases.
    • No annual fee.
    • Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
    • Terms and conditions apply.
    • View Rates & Fees
    S Savvymints's take
    Pros
    • No annual fee
    • Intro APR period
    • Rewards
    • Cell phone insurance
    Cons
    • Requires good/excellent credit
    • No bonus offer
    Read full review

  • Best for: Long intro period + quarterly categories

    Annual fee
    $0
    Rewards rate
    1%-5%
    Cashback
    Intro offer
    Cashback Match�
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 6 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 months
    Regular APR
    17.74%-26.74% Variable APR

    Discover it� Cash Back - 18 Month Intro Balance Transfer Offer card image
    Savvymints rating
    4.9
    Apply Now on Discover's website,
    on Discover's website,  or call 800-347-0264
    Rates & Fees
    Annual fee
    $0
    Rewards rate
    1%-5%
    Cashback
    Intro offer
    Cashback Match�
    Recommended credit score
    690-850(Good - Excellent)
    Purchase intro APR
    0% intro APR on purchases for 6 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 months
    Regular APR
    17.74%-26.74% Variable APR
    Rewards breakdown
    5%
    Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
    1%
    Cash back on all other purchases.
    Card details
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers � only from Discover. Discover will automatically match all the cash back you�ve earned at the end of your first year! There�s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
    • Redeem cash back for any amount
    • Apply now and you could get a decision in as little as 90 seconds. No annual fee.
    • Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
    • Get a 0% intro APR for 18 months on balance transfers. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness.
    • Terms and conditions apply.
    • View Rates & Fees
    S Savvymints's take
    Pros
    • No annual fee
    • Intro APR period
    • Bonus categories
    • Cash rewards
    Cons
    • Complicated rewards
    • Spending caps on bonus rewards
    • Lower acceptance abroad
    Read full review

  • Best for: Travel portal benefits

    Annual fee
    $395
    Rewards rate
    2x-10x
    Miles
    Intro offer
    75,000
    miles
    Regular APR
    19.99%-28.99% Variable APR
    Recommended credit score
    720-850(Excellent)

    Capital One Venture X Rewards Credit Card

    Capital One Venture X Rewards Credit Card card image
    Savvymints rating
    4.9
    Annual fee
    $395
    Rewards rate
    2x-10x
    Miles
    Intro offer
    75,000
    miles
    Regular APR
    19.99%-28.99% Variable APR
    Recommended credit score
    720-850(Excellent)
    Rewards breakdown
    10x
    Miles on hotels and rental cars booked through Capital One Travel.
    5x
    Miles on flights and vacation rentals booked through Capital One Travel.
    2x
    Miles on all other purchases.
    Card details
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass� lounges, after enrollment
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more�you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • Receive up to a $120 credit for Global Entry or TSA PreCheck�
    • View Rates & Fees
    S Savvymints's take
    Pros
    • High rewards rate
    • New cardholder bonus offer
    • Lounge membership
    • Anniversary perk
    • Flexible rewards redemption
    Cons
    • High annual fee
    • Requires excellent credit
    Read full review

  • Best for: Going out & staying in

    Annual fee
    $0
    Rewards rate
    1%-8%
    Cashback
    Intro offer
    $50
    Regular APR
    18.99%-28.99% Variable APR
    Recommended credit score
    630-689(Fair)

    Capital One Savor Student Cash Rewards Credit Card

    Capital One Savor Student Cash Rewards Credit Card card image
    Savvymints rating
    5.0
    Annual fee
    $0
    Rewards rate
    1%-8%
    Cashback
    Intro offer
    $50
    Regular APR
    18.99%-28.99% Variable APR
    Recommended credit score
    630-689(Fair)
    Rewards breakdown
    8%
    Cash back on entertainment purchases when you book through the Capital One Entertainment portal.
    5%
    Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
    3%
    Cash back on dining.
    3%
    Cash back on entertainment.
    3%
    Cash back on popular streaming services.
    3%
    Cash back at grocery stores (excluding superstores like Walmart� and Target�).
    1%
    Cash back on all other purchases.
    Card details
    • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart� and Target�), on dining, entertainment and popular streaming services, plus 1% on all other purchases
    • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
    • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
    • Enjoy no annual fee, foreign transaction fees, or hidden fees
    • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
    • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
    • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
    • Build your credit with responsible card use
    • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
    • View Rates & Fees
    S Savvymints's take
    Pros
    • No annual fee
    • Bonus categories
    • No rewards caps
    • Reports to the three major credit bureaus
    Cons
    • High APR
    Read full review
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