1️⃣Chase Freedom Unlimited
Unlimited cash back on everyday spend with a rich welcome bonus and a long intro APR window. Simple earn structure that just works, plus robust travel and purchase protections.
Address: 383 Madison Avenue, New York, New York, USA
- High welcome bonus
- Up to 5% categories and 3% dining/drugstore
- 0% intro APR on purchases
- No annual fee
- Strong travel and purchase protections
- Excellent Chase Offers portal
- Foreign transaction fee
- Best value often requires pairing with a Chase travel card
2️⃣American Express Blue Cash Preferred
Grocery and streaming rewards that stack fast, making family budgets work harder. Rich perks easily outpace the modest annual fee if you maximize categories.
Address: 200 Vesey Street, New York, New York, USA
- 6% back at U.S
- supermarkets (cap applies)
- 6% back on select streaming
- 3% back transit and U.S
- gas
- Attractive welcome offer
- Strong Amex customer service
- Amex Offers for extra savings
- Annual fee after first year
- Not widely accepted abroad compared to Visa/Mastercard
3️⃣Citi Double Cash
Flat 2% back on everything when you pay your bill, perfect for set-and-forget earners. No categories to track, just steady returns.
Address: 388 Greenwich Street, New York, New York, USA
- Simple 2% structure
- No annual fee
- Often features balance transfer offers
- Requires paying statement to earn full 2%
- Limited bonus categories or perks
- Foreign transaction fees may apply
4️⃣Discover it Cash Back
Rotating 5% categories can deliver big returns if you plan ahead. First-year cash back match sweetens the deal for new cardholders.
Address: 2500 Lake Cook Rd, Riverwoods, Illinois, USA
- 5% rotating categories with activation
- First-year cash back match
- No annual fee
- Strong U.S.-based support
- Category activation required
- 5% capped each quarter
- Not always accepted internationally
5️⃣Capital One SavorOne
Dining and entertainment earners get solid value without a fee, plus travel perks through Capital One Travel. Good everyday card for nights out and takeout.
Address: 1680 Capital One Dr, McLean, Virginia, USA
- No annual fee
- Good dining and entertainment rewards
- Decent travel portal benefits
- Often includes welcome bonus
- Lower earn rate on non-bonus spend
- Redemption value best within Capital One ecosystem
- Customer service can be hit-or-miss