Best 0% APR Credit Cards 2021

Updated May 07, 2021
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Best pick for...
Citi Double Cash best for Cash Back, No Annual Fee
American Express Blue Cash Preferred® best for Gas, Groceries, Streaming services, Daily use
Chase Freedom Flex℠ best for Cash Back
Chase Freedom Unlimited® best for Cash Back
Wells Fargo Propel American Express® best for No Annual Fee, Travel
Discover Bank Discover it® Cash Back best for Cash Back
American Express Blue Cash Everyday® best for Gas, Families, Shopping, Groceries
Discover Bank Discover it® Student chrome best for College
Capital One VentureOne Rewards
American Express EveryDay®

Best Credit Cards for APR 0 in May 2021

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Citi Double Cash best for Cash Back, No Annual Fee

Double Cash Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    13.99% - 23.99% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

    In order to receive an additional 1 percent cash back rewards for your purchases (on top of the automatic 1 percent cash back you earn), you must pay off the balance you owe.

    In addition to being a cash back card, the Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer on balance transfers (13.99 percent to 23.99 percent variable APR after) is one of the longest balance transfer periods currently available. Keep in mind, if you take advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is greater. Additionally, balance transfers must be made in the first four months of account opening to qualify for the rate.

    For reference, if you had $2,000 in credit card debt and transferred it to the Citi Double Cash, you could pay just over $111 a month for 18 months and completely wipe out your debt — all without paying a dime in interest. Bear in mind, you’d also owe a balance transfer fee.

    The Citi Double Cash extends a myriad of security and fraud protections.Get $0 fraud liability, 24-hour fraud protection, Citi Identity Theft Solutions and Lost Wallet Service — meaning Citi will replace your lost card within 24 hours and provide you with emergency cash in the meantime.

    Citi Entertainment gets you access to presale tickets, events and more, whether it be a music festival, professional football game or high-end restaurant experience.

  • Pros:
    • Flat-rate Cash Back Rewards on Everything
    • High Rewards Rate
    • No annual fee
    • Attractive Intro APR on Balance Transfers
  • Cons:
    • No welcome bonus offer or introductory APR on purchases
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
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American Express Blue Cash Preferred® best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back on groceries, on up to $6,000 per year in purchases.
    • 6% Cash Back on streaming.
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back on gas.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $300 Earn $300 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $300 back in the form of a statement credit.
  • Annual Fee:
    $0 for the first year. $95 thereafter.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Preferred provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services and transit expenses. It has a $0 introductory annual fee for the first year, then $95, but you can easily make it back if you find yourself in the grocery aisle or at the gas pump often enough.

    The Blue Cash Preferred Card from American Express offers a 0% introductory APR promotion. You’ll pay no interest on purchases for 12 months and then an APR of 13.99% - 23.99% Variable, depending on your creditworthiness. The Blue Cash Preferred Card's Penalty APR is 29.24%.

    The Card also has 0%introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred has a welcome bonus where cardholders earn a $300 statement credit after spending $3,000 on the new card within the first six months of card membership.

    When you purchase a product with your Blue Cash Preferred card, return protection covers you if the seller won’t accept a return for the item, up to 90 days from the date of purchase.

    The card’s Pay It Plan It feature can be helpful in paying down small balances but dangerous for larger purchases. With Pay It, you can quickly tap a purchase in the mobile app that is for less than $100 to make payments throughout the month. Plan It is the reverse of this: You can select purchases that are $100 or more and have them split up to make monthly payments for a fixed monthly fee instead of interest charges. This can be a good deal if the monthly fee is less than you would pay in interest. Of course, an even better strategy would be to pay off your balance in full every month so you never have to pay more than necessary for your purchases.

  • Pros:
    • Leading cash-back rewards at U.S. supermarkets
    • Rich bonus offer for new cardholders
    • Intro APR period on Purchases
  • Cons:
    • Annual Fee
    • Foreign transaction fee
    • Extra Fees
    • $25 minimum redemption
  • Benefits:

    • 6% Cash Back at U.S. Supermarkets;
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back on gas;
    • 1% Cash Back on other purchases;
    • $300 statement credit;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences.
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Chase Freedom Flex℠ best for Cash Back

Chase Freedom Flex℠
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open.
  • Regular APR:
    14.99% - 23.74% Variable APR.
  • Balance Transfer APR:
    14.99% - 23.74% Variable APR.
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card could be a good fit for those who want to earn Cash Back in a wide variety of categories.

    New cardholders will earn a modest sign-up bonus with a low minimum spending requirement, plus up to 5% Cash Back on purchases in select bonus categories. You’ll need to activate your rotating 5% Cash Back categories every quarter by a deadline. You’ll have about 15 days before the quarter begins to activate, and up until about 15 days before the quarter ends.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides), an incredible rate for a card with no annual fee, so book with the Freedom Flex and bring it with you when you go. You’ll get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases. But if you don’t feel like eating at a restaurant, thanks to your three-month DoorDash membership your orders of $12 or more won’t have any delivery fees.

    The card offers a 15-month 0% annual percentage rate for purchases, after which the APR is 14.99% - 23.74% Variable. Unfortunately, the card does not offer an introductory APR on balance transfers. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

    My Chase PlanSM Fee is 0% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • No annual fee
    • Lengthy introductory APR for new purchases
    • Generous welcome offer
  • Cons:
    • Foreign transaction fees
    • Extra Fees
    • No introductory APR on balance transfers
  • Benefits:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
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Chase Freedom Unlimited® best for Cash Back

Chase Freedom Unlimited®
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for the first 12 months that your Account is open.
  • Regular APR:
    14.99% - 23.74% Variable APR.
  • Balance Transfer APR:
    14.99% - 23.74% Variable APR.
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® offers a compelling combination of valuable rewards, flexible redemption options, a lengthy 0% introductory APR period (14.99 percent to 23.74 percent variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    My Chase PlanSM Fee is 0% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

    The card earns 3% Cash Back on restaurants and drugstore purchases, 5% back on travel booked through Chase and 1.5% back on other purchases. Plus earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The Chase Freedom Unlimited offers a ton of choice in how you can redeem your rewards. You can opt for cash back in the form of a statement credit or direct deposit, redeem for travel or gift cards or shop online at Amazon.com. Like many other credit cards, you can also redeem your rewards for charitable contributions (which currently have a 25 percent boost in value).

  • Pros:
    • Introductory APR on new purchases
    • High rewards rate and no minimum redemption
    • No annual fee
  • Cons:
    • Foreign Transaction Fee
    • Extra Fees
    • Requires good/excellent credit
    • No promotional balance transfer offer included
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.

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Wells Fargo Propel American Express® best for No Annual Fee, Travel

Wells Fargo Propel American Express®
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points on eating out and ordering in.
    • 3x Points on popular streaming services.
    • 3x Points on gas stations, rideshares and transit.
    • 3x Points on travel including flights, hotels, homestays and car rentals.
    • 1x Points on other purchases.
  • Intro Offer:
    • 20,000:
    • Bonus Points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for 12 months from date of account opening.
  • Regular APR:
    14.49% - 24.99% Variable APR.
  • Balance Transfer APR:
    14.49% - 24.99% Variable APR.
  • Issuer name:
    Wells Fargo
  • Details:

    With the Wells Fargo Propel American Express card, you’ll earn 3X rewards points on dining, travel, rideshare, transit, gas station purchases and popular streaming services, plus 1X points for other purchases. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. You can redeem your points for $200 Cash Back, gift cards, merchandise and more.

    There’s also a 0% introductory APR for 12 months from account opening on purchases and on qualifying balance transfers (14.49%-24.99% variable thereafter), but you must make all balance transfers within 120 days to qualify for the introductory rate.

    Overdraft Protection Advances: $12.50 if the total of overdraft protection advances for the day is $50 or less;$20if the total of overdraft protection advances for the day is greater than $50.

    Enjoy Zero Liability protection, which protects you against unauthorized purchases, Cell Phone Protection when you pay your phone bill with the card and various travel protections.

  • Pros:
    • No annual fee
    • No foreign transaction fee
    • Intro APR period on Purchases and qualifying Balance Transfers
  • Cons:
    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • Good/excellent credit is required
    • Extra fees
  • Benefits:
    • Cell phone protection;
    • No annual fee;
    • Fraud Protection;
    • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months;
    • 3x points on eating out and ordering in; Gas stations, rideshares, and transit; Flights, hotels, homestays, and car rentals; Popular streaming services;
    • Extended Warranty.
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Discover Bank Discover it® Cash Back best for Cash Back

Discover it® Cash Back Discover Bank
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • Only Discover® Cashback Match:
    • New cardmembers get double Cash Back in the first year (awarded after the first year).
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 14 months from date of account opening.
  • Regular APR:
    11,99% - 22,99% Variable APR.
  • Balance Transfer APR:
    11,99% - 22,99% Variable APR.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Cash Back Credit Card offers 5% Cash Back on up to $1,500 spent each quarter on rotating bonus categories like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, each time you activate them. However, you’ll only receive 1% Cash Back on all other purchases. Instead of extending a traditional sign-up bonus to new cardholders, Discover will match all the Cash Back you earn during the first year.

    Discover it Cash Back doesn’t offer some of the benefits that come standard with many other credit cards, including price protection and extended warranty coverage. However, as a cardholder, you have zero-liability fraud protection, plus free access to your FICO credit score and alerts if your Social Security number shows up on a risky website. If someone steals your credit card or you lose it, you can freeze your account from your mobile app or online account, plus get free overnight delivery for your replacement card.

    The Discover it® Cash Back Credit Card has a generous introductory offer: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. The balance transfer fee is an introductory 3% of the amount transferred, but can be as high as 5% on future balance transfers (see terms). That's on par with other balance transfer cards.

  • Pros:
    • No Foreign Transaction Fee
    • Bonus Cash Back categories
    • No annual fee
    • Intro APR period on Purchases and Balance Transfers
  • Cons:
    • Extra Fees
    • Low rewards rate for most purchases
  • Benefits:
    • 5% Cash Back on everyday purchases at different places each quarter;
    • 1% Cash Back on all other purchases;
    • Only Discover® Cashback Match;
    • $0 Fraud Liability;
    • FICO® Credit Score;
    • 24/7 customer service line.
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American Express Blue Cash Everyday® best for Gas, Families, Shopping, Groceries

Blue Cash Everyday® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Groceries, on up to $6,000 per year in purchases.
    • 2% Cash Back on Gas.
    • 2% Cash Back at Select Department Stores.
    • 1% Cash Back on Other Purchases.
    • 1% Cash Back at U.S. supermarkets after the first year.
  • Intro Offer:
    • $200 Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • $150 Earn $150 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months.

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No Annual Fee
    • Provides Gas and Grocery Rewards
    • 0% Intro Offer
    • The 2 percent select U.S. department store bonus category is a rare find
    • 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
    • $100 back after you spend $1,000 in purchases on your new card within the first 6 months.
    • Fraud Protection
    • American Express Experiences
  • Cons:
    • Balance Transfer Limited
    • Limited Redemption
    • Bonus cash backs Capped
    • Card not Ideal for Travelling Abroad
    • Foreign Transaction Fee
  • Benefits:
    • Accelerate Cash Back;
    • 3% Сash Back at U.S. supermarkets (up to $6,000 per year, then 1%);
    • 2%Cash Back at U.S. gas stations and select U.S. department stores;
    • 1% Cash Back on all other purchases;
    • Earn 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your card within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards.
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Discover Bank Discover it® Student chrome best for College

Discover it® Student chrome Discover Bank
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Cash Back at gas stations and restaurants.
    • 1% Cash Back on all other purchases like books, groceries and college staples with the student Discover® card designed for your lifestyle in college and beyond.
  • Intro Offer:
    • Unlimited Cashback Match:
    • Match all Cash Back earned at the end of your first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of account opening.
  • Regular APR:
    12,99% - 21,99% Variable APR.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 12,99% - 21,99% Variable APR.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it Student chrome gives college and university students a way to establish a credit history.

    With no annual fee, this card is a convenient way to pay for those common purchases, where you’ll get 2% Cash Back rewards when you fuel up or go out to eat. That isn’t a whole lot compared to some other cards. But since Discover will double your rewards in the first year, that makes 4% back on those categories. Plus you’ll get 2% back on every other purchase in that first year, which is better than most cards. That’s pretty good for a card with no annual fee.

    Discover also forgives your first late fee if you fall behind on one payment. Paying late won’t raise your APR, and you won’t incur a fee if you happen to exceed your limit. After excusing that first late payment, the fee going forward is up to $40. Cash advance fees are either $10 or 5 percent of the amount, whichever is greater. Finally, balance transfers have a fee of 3 percent intro balance transfer fee, up to 5 percent fee on future balance transfers, with a 10.99 percent APR balance transfer offer for the first six months. After that the variable APR of 12.99 percent to 21.99 percent applies.

    There are some handy perks for students, like a good grades statement credit and the ability to monitor one of your FICO credit scores. The interest rates and fees are quite favorable too, good for first-time cardholders.

    Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

    You'll also get $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

  • Pros:
    • No foreign transaction fees
    • 0% Purchase Intro APR
    • No annual fee
    • Cash Back reward program
  • Cons:
    • Not widely accepted outside the US
    • A low base rewards rate of 1%
    • Caps bonus rewards
  • Benefits:
    • 2% Cash Back at gas stations and restaurants;
    • Unlimited 1% Cash Back on all other purchases;
    • Unlimited Cashback Match;
    • $20 statement credit each school year;
    • FICO credit score;
    • $0 Fraud Liability.
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VentureOne Rewards Capital One
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.25x:
    • Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000:
    • Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable APR.
  • Balance Transfer APR:
    15.49% - 25.49% Variable APR.
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne credit card provides moderate rewards with an unlimited 1.25 Venture Miles per dollar spent and a welcome bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. It also offers a 0% intro on purchases for 12 months, 15.49%-25.49% variable APR applies after that.

    You’ll be given either a Visa Platinum or Visa Signature version of this card. The version you get will depend on your credit limit when approved: Visa Platinum cards are for credit limits less than $5,000, and Visa Signature is for $5,000 and above. The credit limit you get will depend on your creditworthiness when you apply.

    You can book hotels, flights and rental cars using your Capital One miles by logging into capitalone.com and visiting the reward center.

    You can also use your card to book travel reservations through another service or website and then redeem your miles for a statement credit to cover a wide range of travel purchases that you’ve made over the past 90 days. Only purchases that fall under the travel merchant code will qualify, but generally, it includes airlines, hotels, rental cars, cruises, limo services, timeshares and more.

    If you don’t want to redeem your miles for travel, you can also cash them out in the form of a statement credit, check, gift cards, Amazon.com or PayPal purchases and more.

  • Pros:
    • No foreign transaction fees
    • Intro purchase APR
    • No annual fee
    • Good welcome bonus
    • Flexible redemption options
  • Cons:
    • Low rewards rate
    • No intro APR on balance transfers
  • Benefits:
    • 1.25 miles per dollar on every purchase;
    • 20,000 bonus miles;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
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EveryDay® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 20% Use your Card 20 or more times on purchases in a billing period and earn extra points on those purchases.
    • 2x Points at U.S. supermarkets, on up to $6,000 per year in purchases, then 1x.
    • 1x Points on other purchases.
  • Intro Offer:
    • 10,000:
    • Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    12.99% - 23.99% Variable APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    For frequent supermarket shoppers, the Amex EveryDay credit card is the best card to earn American Express Membership Rewards points for no annual fee — especially with its 20 percent extra points feature. Use your percent more points on those purchases less returns and credits.

    Cardholders earn 2x points per dollar at U.S. supermarkets, on up to $6,000 in purchases per year, then 1x point. 1x point is provided for all other purchases.

    You can get the most value for your points by transferring them to a travel partner, where you may find as much as 2 cents per point or more. That would give you a cash back equivalent of 4% when earning at the 2x rate.

    This card has an introductory APR of 0% for 15 months for purchases. After that, you’ll get a regular rate of 12.99% – 23.99% Variable.

    When you use your American Express® Card, you won't be held responsible for fraudulent charges. If you see a charge that you think is fraudulent, just call us at the number on the back of your Card. There's no deductible, so you can use your Card with confidence.

  • Pros:
    • No Annual Fee
    • 0% APR on purchases for the first 15 months
    • Flexible travel rewards

  • Cons:
    • Foreign Transaction Fee
    • Mediocre welcome offer
  • Benefits:
    • Earn 20% Extra Points;
    • Earn 2X Points at U.S. Supermarkets;
    • Earn 1X Points on Other Eligible Purchases;
    • 2x Membership Rewards® Points at Amextravel.com;
    • Membership Rewards® Program;
    • Use Points for Your Charges;
    • Membership Rewards® Pay with Points;
    • Transfer Points to Frequent Traveler Programs;
    • Global Assist® Hotline;
    • Car Rental Loss and Damage Insurance.
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