Refpo Credit Cards

Best Credit Cards in United States

Browse country-specific cards and compare fees, rewards, and benefits.

Chase Bank USA

Chase Sapphire Preferred® Card

A popular U.S. travel rewards credit card with strong Chase Travel rewards, dining rewards, transfer partners, travel protections, and a moderate annual fee.

5x points on travel booked through Chase Travel℠
3x points on dining
3x points on online grocery purchases

Joining fees

$95 annual fee

Renewal fees

$95 annual fee

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Wells Fargo Bank

Wells Fargo Active Cash® Card

A simple no-annual-fee U.S. cashback credit card offering unlimited 2% cash rewards on purchases, with no rotating categories or quarterly activation required.

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world.

Joining fees

Renewal fees

$0 annual fee

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Capital One

Capital One Venture X Rewards Credit Card

A premium U.S. travel rewards credit card offering unlimited 2x miles on purchases, elevated rewards through Capital One Travel, annual travel credit, anniversary miles, and airport lounge access.

$395 annual fee
75,000 bonus miles offer may be available
10x miles on hotels booked through Capital One Travel

Joining fees

$395 annual fee

Renewal fees

$395 annual fee

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American Express

Amex Blue Cash Everyday® Card

A no-annual-fee U.S. cashback credit card from American Express offering bonus cashback on U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases.

$0 annual fee
3% cash back at U.S. supermarkets
3% cash back at U.S. gas stations

Joining fees

Renewal fees

$0 annual fee

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Chase Bank USA

Chase Sapphire Reserve® Credit Card

A premium U.S. travel rewards credit card with Chase Travel rewards, airport lounge access, a flexible annual travel credit, transfer partners, travel protections, and premium lifestyle benefits.

Premium Chase travel rewards card
8x points on Chase Travel℠ purchases
4x points on direct flight and hotel bookings

Joining fees

$795 annual fee for new cardholders under the updated Chase Sapphire Reserve pricing.

Renewal fees

$795 annual fee

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Capital One

Capital One Savor Cash Rewards Credit Card

A no-annual-fee U.S. cashback credit card designed for food, grocery, entertainment, streaming, and travel bookings through Capital One Travel.

$0 annual fee
Unlimited 3% cashback on dining
Unlimited 3% cashback at grocery stores

Joining fees

Renewal fees

$0 annual fee

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Chase Bank

Chase Freedom Flex® Credit Card

A no-annual-fee U.S. cashback credit card offering 5% cashback on rotating quarterly categories after activation, plus fixed rewards on Chase Travel, dining, and drugstore purchases.

$0 annual fee
5% cash back on rotating quarterly bonus categories after activation
5% cash back on Chase Travel purchases

Joining fees

Renewal fees

$0 annual fee

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American Express

Amex Platinum Card®

A luxury U.S. travel card from American Express offering premium airport lounge access, 5x Membership Rewards® points on flights and prepaid hotels, hotel credits, airline fee credits, and multiple travel/lifestyle benefits.

$895 annual fee
5x points on flights booked directly with airlines or through American Express Travel
5x points on prepaid hotels booked through American Express Travel

Joining fees

$895 annual fee

Renewal fees

$895 annual fee

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Wells Fargo Bank, N.A.

Wells Fargo Autograph℠ Card

A no-annual-fee U.S. travel rewards card offering unlimited 3x points on travel, restaurants, gas stations, transit, popular streaming services, and phone plans.

$0 annual fee
Unlimited 3x points on travel
Unlimited 3x points on restaurants

Joining fees

Renewal fees

$0 annual fee

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American Express National Bank

Amex Blue Cash Preferred® Card

A premium U.S. cashback card from American Express offering high rewards on U.S. supermarkets, select U.S. streaming subscriptions, U.S. gas stations, and transit.

6% cash back at U.S. supermarkets up to $6,000 per year, then 1%
6% cash back on select U.S. streaming subscriptions
3% cash back at U.S. gas stations

Joining fees

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

Renewal fees

$95 annual fee after the first year

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Discover Bank

Discover it® Cash Back

A no-annual-fee U.S. cashback credit card offering 5% cash back in rotating quarterly categories after activation, plus Discover’s first-year Cashback Match for new cardmembers.

$0 annual fee
5% cash back in rotating quarterly categories after activation
5% cashback applies up to the quarterly spending maximum

Joining fees

Renewal fees

$0 annual fee

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Citibank

Citi Double Cash® Card

A simple no-annual-fee U.S. cashback card that earns up to 2% cash back on purchases: 1% when you buy and 1% as you pay.

Unlimited 2% cash back on purchases
Earn 1% when you buy and 1% as you pay
No annual fee

Joining fees

Renewal fees

$0 annual fee

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Bank of America, N.A.

Bank of America® Travel Rewards Credit Card

A simple no-annual-fee U.S. travel rewards credit card that earns unlimited points on purchases and has no foreign transaction fees, making it useful for beginner travelers.

$0 annual fee
No foreign transaction fees
Unlimited 1.5 points per $1 spent on purchases

Joining fees

Renewal fees

$0 annual fee

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Chase Bank USA, N.A.

United℠ Explorer Card

A United Airlines co-branded travel credit card from Chase offering United MileagePlus® miles, free first checked bag, priority boarding, United Club one-time passes, and useful travel benefits.

$0 intro annual fee for the first year
$150 annual fee after the first year
Earn up to 60,000 bonus miles after qualifying activities

Joining fees

$0 intro annual fee for the first year, then $150.

Renewal fees

$150 annual fee after the first year.

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Compare

Compare Cards

Card 1Card 2

Field	Chase Sapphire Preferred® Card	Wells Fargo Active Cash® Card
Bank/provider	Chase Bank USA	Wells Fargo Bank
Joining fee	$95 annual fee	$0
Renewal fee	$95 annual fee	$0 annual fee
Best for	Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card	Everyday spending, flat-rate cashback, beginners who want simple rewards, people who do not want to track bonus categories
Reward rate	5x total points on travel purchased through Chase Travel℠, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit 3x points on dining, including eligible delivery services, takeout, and dining out 3x points on online grocery purchases, excluding Target, Walmart, and wholesale clubs 3x points on select streaming services	Unlimited 2% cash rewards on purchases
Cashback	Not primarily a cashback card Rewards are earned as Chase Ultimate Rewards® points, which can be redeemed for travel, cash back, gift cards, statement credits, and transfers to eligible airline and hotel partners	2% cash rewards on eligible purchases
Lounge access	No Included airport lounge access	No Included airport lounge access
Fuel surcharge waiver	Not applicable / No specific fuel surcharge waiver	Not applicable / No specific fuel surcharge waiver
Welcome benefit	Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number	Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Annual fee waiver condition	No standard annual fee waiver The card has a $95 annual fee	Not required because the annual fee is $0
Eligibility	Best suited for U.S. applicants with good to excellent credit Approval depends on Chase’s credit review, income, debt obligations, identity verification, credit history, and other underwriting factors	Best suited for applicants with good to excellent credit history in the U.S Applicant generally needs U.S. identity, address, income details, and credit profile Approval is subject to Wells Fargo’s underwriting
Apply link	Apply	Apply

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