Refpo Credit Cards

Best Credit Cards in United States

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

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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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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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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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 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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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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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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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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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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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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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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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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Compare

Compare Cards

Card 1Card 2

Field	Amex Blue Cash Everyday® Card	Capital One Venture X Rewards Credit Card
Bank/provider	American Express	Capital One
Joining fee	$0	$395 annual fee
Renewal fee	$0 annual fee	$395 annual fee
Best for	Groceries, gas, online shopping, everyday U.S. spending, users who want cashback without paying an annual fee	Frequent travelers, airport lounge access, international travel, simple travel rewards, Capital One Travel bookings, users who want premium benefits with lower effective cost than many luxury travel cards
Reward rate	3% cash back at U.S. supermarkets on up to $6,000 per year, then 1% 3% cash back on U.S. online retail purchases on up to $6,000 per year, then 1% 3% cash back at U.S. gas stations on up to $6,000 per year, then 1% 1% cash back on other eligible purchases;	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 every other purchase Capital One currently lists these Venture X reward rates on its official card information
Cashback	Cash back is earned as Reward Dollars and can be redeemed as statement credit	Not primarily a cashback card Rewards are earned as Capital One miles Miles can generally be used for travel bookings, statement credits against eligible travel purchases, transfers to travel partners, gift cards, and other eligible redemption options
Lounge access	No Included airport lounge access	Capital One Venture X primary cardholders get access to Capital One Lounges and 1,300+ participating lounges worldwide through Priority Pass after enrollment
Fuel surcharge waiver	Not applicable / No specific fuel surcharge waiver	Not applicable / No specific fuel surcharge waiver
Welcome benefit	Welcome offer may be as high as $200 cash back after spending $2,000 in purchases within the first 6 months, depending on current offer eligibility and application channel	Capital One currently lists 75,000 bonus miles for Venture X, subject to meeting the required spending terms shown during application
Annual fee waiver condition	Not required because the card has a $0 annual fee	No standard annual fee waiver The card has a $395 annual fee Travel credit / annual benefit**
Eligibility	Best suited for U.S. applicants with a good credit profile Approval depends on American Express underwriting, credit history, income, debt obligations, identity verification, and other factors	Best suited for U.S. applicants with excellent credit Approval depends on Capital One’s review of credit history, income, debt obligations, identity verification, and other underwriting factors
Apply link	Apply Now	Apply Now

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