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All the cards we track, sorted by ongoing APR.

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Secured Chime Visa® Credit Card

APR
No interestongoing APR, issuer terms verified Aug 27, 2026
Credit line
You set it by moving your own money
Intro APR
Not applicable, the card does not charge interest
How to apply
Application inside the Chime app
Credit needed
No credit check, but a Chime Checking Account and a qualifying direct deposit are required

A secured card with no annual fee, no interest and no credit check, reporting to all three bureaus. Your limit is whatever you move over from your Chime account, and with a qualifying direct deposit you can earn 5% cash back in one category of your choice. It only makes sense if you are willing to open a Chime Checking Account, since that is a requirement.

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Best first-year value

Discover it® Cash Back

APR
17.49%–26.49% variable APRongoing APR, issuer terms verified Aug 27, 2026
Credit line
Set at approval
Intro APR
0% intro APR for 15 months on purchases and balance transfers
How to apply
Online application
Credit needed
Good credit, no fixed score published

5% cash back on rotating quarterly categories, on up to $1,500 in spending per quarter after you activate, and 1% on everything else. Discover matches all the cash back you earn in your first year, with no cap. $0 annual fee and no foreign transaction fee. The catch is the quarterly activation and the fact that Discover is accepted in fewer places abroad than Visa or Mastercard.

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Longest interest-free window

Wells Fargo Reflect® Card

APR
17.49%–28.24% variable APRongoing APR, issuer terms verified Aug 27, 2026
Credit line
Set at approval
Intro APR
0% intro APR for 21 months on purchases and qualifying balance transfers
How to apply
Online application
Credit needed
Good to excellent credit

Built for one job: paying down a balance. There are no rewards and no welcome bonus. Transfers only get the intro rate if they post within 120 days of opening, and the transfer fee is 5% of the amount, $5 minimum, so moving $5,000 costs $250 up front. You cannot transfer a balance from another Wells Fargo account.

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Best all-round starter rewards card

Chase Freedom Unlimited®

APR
18.24%–27.74% variable APRongoing APR, issuer terms verified Aug 27, 2026
Credit line
Set at approval
Intro APR
0% intro APR for 15 months on purchases and balance transfers
How to apply
Online application
Credit needed
Good credit or better

1.5% back on everything, 3% on dining and drugstores, 5% on travel booked through Chase Travel, plus a $200 bonus after $500 of spending in the first three months. $0 annual fee. Watch the 3% foreign transaction fee and the balance transfer fee, which jumps to 5% after the first 60 days.

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Simplest flat-rate cash back

Wells Fargo Active Cash® Card

APR
18.49%–28.49% variable APRongoing APR, issuer terms verified Aug 27, 2026
Credit line
Set at approval
Intro APR
0% intro APR for 12 months on purchases and qualifying balance transfers
How to apply
Online application
Credit needed
Good to excellent credit

Unlimited 2% cash rewards on every purchase, no categories to activate, $0 annual fee, and a $200 bonus after $500 of spending in the first three months. It also covers your phone for up to $600 per claim when you pay the bill with the card. The 12-month intro window is shorter than what several rivals offer, and there is a 3% foreign transaction fee.

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About this comparison

We list card terms as the issuers publish them: annual fee, ongoing APR, intro APR and what the card earns. We are not a bank and we do not issue cards, so approval, your credit line and the APR you actually get are decided by the issuer after it reviews your application.

Terms change often. Every number on this page carries the date we checked it, and the issuer's page is always the final word. If you spot something out of date, tell us.

We are not a bank or a lender. Card terms come from the issuers and can change at any time. Approval, credit line and APR are set by the issuer based on your credit profile. Verify all terms on the issuer's page before you apply.