Rewards:

3% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1% back)

2% cash back at U.S. gas stations and select U.S. department stores

1% cash back on all other purchases

INTRODUCTORY BONUS

$150 statement credit for spending $1,000 in the first 3 months after account opening

Costs:

Annual fee

None

Penalty APR

29.24% Variable

Returned Payment Fee

Up to $40

Late Fee

Up to $40

Cash Advance APR

25.24% Variable

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Foreign transaction fee

2.7%

Application:

Check Your Status by Phone

To check your personal Chase credit card application status by phone, call the application status line at 888-338-2586. For business applications, call 1-800-453-9719.

Check Your Status Online

If you are already a Chase customer, you can check your application status online. After you log in to your account, click on the icon in the top left corner that looks like a column of lines.

Payment

Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

Customer Service:

mobile app

Chase has a free mobile app available for Apple and Android devices. To get started, text "mobile" to 24273, and you’ll receive a link to download the Chase Mobile® app. The app can also be downloaded through your mobile device’s app store.

Blue Cash Everyday® Card from American Express

From good To exceptional ( Credit Recommended Good )

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a solid rewards card, offering cash back at U.S. supermarkets and U.S. gas stations, as well as a valuable statement credit. It comes with some handy benefits too, like access to Amex Offers and some shopping/travel protections. And as an added bonus, it carries no annual fee.

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pros and cons

3% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1% back)

2% cash back at U.S. gas stations and select U.S. department stores

1% cash back on all other purchases

No annual fee.

Cost

Annual Fee

$0

Purchase APR

13.99% - 23.99%

Foreign Transaction Fee

2.7%

Cash Back

3%

Credit Score

Good

No Annual Fee Credit Cards For Bad Credit

Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.

Food (Restaurants and Groceries)

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.

No Annual Fee Credit Cards For Flat-Rate Rewards

Paying an annual fee on a credit card can be worth it if it gets you substantially higher rewards. But in many cases, credit cards that don’t charge annual fees offer better long-term value than those that do. No-annual-fee credit cards make it easy to come out ahead, regardless of your spending. Plus, you’ll be able to keep your card open for a long time at no cost, increasing the average age of your accounts, which has a positive effect on your credit score.

No Annual Fee Credit Cards For Long 0% Balance Transfer APR

If you need a card with a long 0% intro APR for purchases, it will be hard to beat the U.S. Bank Visa® Platinum Card.

No Annual Fee Credit Cards For Rotating Bonus Categories

The Discover it® Cash Back (Review) is our top pick for rotating cash back categories thanks to its unique Cashback Match. You’ll earn 5% back in categories that change every three months, up to $1,500 spent per quarter (activation required).

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The Amex EveryDay® Credit Card (Review) is a rare breed because it offers a top-notch balance transfer deal — a long intro period and no transfer fee — along with a solid rewards program (most great balance transfer cards don’t have very good rewards).
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This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
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