Card offers mix rewards, bonuses, interest and fees into one knot. We pulled five US cards apart one fact at a time, using each issuer’s own pages. This is a short list, not the whole market and not a ranking. The right card depends on how you spend, whether you pay in full each month and whether you travel abroad.
Card terms are a dated snapshot from issuer pages, not live offers. We don’t take applications, check your credit or know whether you would be approved. WalletNoodle has no affiliate deals and earns nothing from these links. How we make money
Regular APR vs. intro APR
APR is the yearly interest on a balance you don’t pay off. An intro 0% only lasts a set time. After that, the regular variable APR applies.
Points vs. cash back
What a point is worth varies with how you redeem it. The same point can be worth more or less depending on the choice, so we don’t turn points into dollars or rank them against cash.
“Not confirmed”
We could not read it on the issuer’s own page. It is not zero, and we never guess a number.
Showing 5 of 5 cards
American Express Blue Cash Everyday
American Express
Cash back
Core reward3% in three eligible US categories
$0Other fees can still apply
Not confirmedNot readable on the issuer page
2.7%On purchases abroad
Category cash back for groceries, online shopping and gas in the US.
Trade-off: Three separate caps to track, and a 2.7% foreign transaction fee after conversion to US dollars.
Rewards
3% at eligible US supermarkets, US online retail and US gas stations.
Each category has a separate $6,000 calendar-year eligible-purchase cap; then 1%.
Superstores and warehouse clubs do not count as supermarkets or gas stations for these categories.
Online retail means eligible physical goods paid for online, not travel or other services.
1% on other eligible purchases. Reward Dollars can be redeemed as statement credit.
Rates apply to eligible purchases. The issuer decides which purchases count.
Rates, fees & welcome offer
Annual fee: $0
Regular purchase APR: Not confirmed
Intro APR: Not confirmed
Balance-transfer fee: Not confirmed
Foreign transaction fee: 2.7%
Welcome offer: Not confirmed
Welcome bonus and introductory terms were not confirmed. Eligibility and offers can vary.
The issuer's dynamic pricing and offer section did not load reliably. Purchase APR, introductory offer and welcome bonus are not confirmed; check the current rates and fees before applying.
Source record checked Oct 11, 2026 · Official issuer product page and terms, Official Amex rewards and membership guide
Capital One Quicksilver
Capital One
Cash back
Core reward1.5% on eligible everyday purchases
$0Other fees can still apply
18.74%–28.74% variableIssuer range; your rate depends on credit
0%On purchases abroad
Flat-rate cash back with no annual or foreign transaction fee.
Trade-off: The higher travel rate requires the issuer's travel portal. Interest and transfer fees can outweigh cash back.
Rewards
1.5% on other eligible purchases.
5% on hotels, vacation rentals and rental cars booked through Capital One Travel.
Rewards apply to net purchases; transfers and cash advances do not earn rewards.
Rates apply to eligible purchases. The issuer decides which purchases count.
Rates, fees & welcome offer
Annual fee: $0
Regular purchase APR: 18.74%–28.74% variable
Intro APR: 0% on purchases and transfers for the first 15 months, then 18.74%–28.74% variable APR.
Balance-transfer fee: 3% on transfers posting in the first 15 months. Later promotional transfers: 4%; transfers at purchase APR after month 15: no transfer fee.
Foreign transaction fee: 0%
Welcome offer: $200 after $500 in purchases within 3 months of rewards enrollment.
Previous new-cardmember bonus for this product in the past 48 months makes you ineligible.
The offer can vary by page or application channel. Confirm current terms with Capital One.
After the introductory period, the disclosed variable APR tiers are 18.74%, 24.74% or 28.74%, based on creditworthiness.
Source record checked Oct 11, 2026 · Official issuer product page and terms
Chase Freedom Unlimited
Chase
Cash back
Core reward1.5% on other eligible purchases
$0Other fees can still apply
18.49%–27.99% variableIssuer range; your rate depends on credit
Not confirmedNot assumed to be 0%
Everyday cash back, with extra rewards for dining and drugstores.
Trade-off: The higher travel rate requires Chase Travel. Carrying a balance can cost more than the rewards you earn.
Rewards
3% on dining and drugstore purchases.
5% on travel purchased through Chase Travel.
1.5% on other eligible purchases; merchant category rules apply.
Rates apply to eligible purchases. The issuer decides which purchases count.
Rates, fees & welcome offer
Annual fee: $0
Regular purchase APR: 18.49%–27.99% variable
Intro APR: 0% for 15 months on purchases and balance transfers, then 18.49%–27.99% variable APR.
Balance-transfer fee: A balance-transfer fee applies; confirm the amount with Chase.
Foreign transaction fee: Not confirmed
Welcome offer: $200 after $500 in purchases in the first 3 months from account opening.
Not available to current cardholders or those who received this card's bonus in the past 24 months.
Offers can differ by application channel. Confirm current terms with Chase.
Variable purchase APR after the introductory period; your rate depends on creditworthiness. Foreign transaction and transfer-fee amounts were not confirmed.
Source record checked Oct 11, 2026 · Official issuer product page and terms
Citi Double Cash
Citi
Cash back
Core reward2%: 1% when buying + 1% as you pay
$0Other fees can still apply
Not confirmedNot readable on the issuer page
Not confirmedNot assumed to be 0%
Cash back that rewards both buying and paying for purchases.
Trade-off: The second 1% depends on payment. Missing pricing means you should check the issuer before deciding.
Rewards
1% on eligible purchases plus 1% as you pay against your tracked purchase balance.
No category enrollment or cap. Balance transfers do not earn cash back.
Rewards are ThankYou Points, redeemable as cash back.
Rates apply to eligible purchases. The issuer decides which purchases count.
Rates, fees & welcome offer
Annual fee: $0
Regular purchase APR: Not confirmed
Intro APR: Not confirmed
Balance-transfer fee: Not confirmed
Foreign transaction fee: Not confirmed
Welcome offer: Not confirmed
Current welcome offer and transfer-pricing numbers were not confirmed.
The issuer states that its introductory balance-transfer offer does not apply to purchases.
Numeric APR, bonus, transfer and foreign-fee fields were missing from the issuer's rendered pricing. Indexed offers disagreed, so we did not reuse their numbers. Confirm current pricing with Citi.
Source record checked Oct 11, 2026 · Official issuer product page and terms
0 of 3 selectedThree cards is the limit. Remove one to add another.
A short list of five cards, not a full-market comparison or a promise that any card is best for everyone. Cards are sorted by annual fee, lowest first, then by name. That is an order, not a ranking. No card pays for its place. Read how we compare.