The Best Credit Cards of 2026

When it comes to travel cards with big sign-up bonuses, this one takes the cake.  

Welcome Offer: You can earn an additional 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Most sign-up bonuses require you to spend much more to qualify, so we think this is a steal. 

Flexible Points: You can redeem your points for statement credits to pay for travel or dining purchases, including flights, hotel stays, car and vacation rentals, baggage fees and at restaurants (including takeout).  

Annual Fee: $0

Bottom Line: A $0 annual fee, a generous sign-up bonus and flexible points make this card a shining gem in the cash-back space. 

Intro Balance Transfer APR: Intro APR of 0% intro APR for 18 months on Balance Transfers and then 18.24% - 28.49% (Variable) once that intro period is over.

Intro Purchase APR: N/A - this card has an ongoing APR for purchases of 18.24% - 28.49% (Variable).

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Extras: There aren’t any caps on the cash back you earn and no categories to worry about, making maximizing your cash back simple.

Annual Fee: $0.

Intro Balance Transfer APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 17.49% - 27.49% Variable APR on balance transfers

Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases and then 17.49% - 27.49% Variable APR

Rewards: 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. Plus, you can switch up your 3% cash back category to maximize your cash back.

Extras: You can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Annual Fee: $0

0% Intro APR: Take advantage of this card's super-long 0% intro APR offer. On top of that, there are also no late fees or penalty rates charged for late payments.

Intro Balance Transfer APR: Cardholders get: 0% intro APR for 18 months on Balance Transfers, then 17.49% - 28.24% (Variable) APR after that intro period is up.

Intro Purchase APR: 0% intro APR for 18 months on Purchases; after that, an APR of 17.49% - 28.24% (Variable) applies.

Rewards: This card is completely focused on offering the longest periods of 0% intro APR on purchases and balance transfers, so it doesn’t come with a rewards program.

Annual Fee: $0.

This is an excellent $0-annual-fee cash back card that lives up to its name – it’s one of the best offers out there for everyday purchases and its welcome offer just sweetens the deal.

Welcome Offer: You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

Rewards: This card is a cash back* machine. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

Annual Fee: $0.

*To see rates & fees for Blue Cash Everyday^® Card from American Express, please click here.

This card offers one of the highest rates of unlimited cash rewards that we’ve seen on a $0-annual-fee card.

The Rewards: The rewards rate for this card is as powerful as it is simple — earn unlimited 2% cash rewards on purchases.. Most other no-annual-fee cards offering unlimited rewards end up capping their cash rewards rate at 1% — so this card is a standout.

The Other Goodies: Cardholders can also earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months. Plus, you get 0% intro APR for 12 months from account opening on purchases and then a 18.49%, 24.49%, or 28.49% Variable APR APR applies.

Annual Fee: $0 — you can’t beat free.

The Bottom Line: This is a strong top-of-wallet card that lets you earn cash rewards every time you swipe, tap, or insert your card. The beauty of the Wells Fargo Active Cash^® Card card is that it requires no strategy or planning to earn rewards. No rotating categories to keep track of — just generous rewards every time you use it. And the best part? There’s no annual fee.

This straightforward card is a workhorse when it comes to paying off high-interest credit card debt. It stands out for offering nearly two years of 0% intro APR on both purchases and qualifying balance transfers.

0% APR Offer: This card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, and then 17.49%, 23.99%, or 28.24% Variable APR. And you get the same lengthy intro period on purchases: 0% intro APR for 21 months from account opening on purchases , and then 17.49%, 23.99%, or 28.24% Variable APR.

The Perks: You won’t rack up any credit card points with this card, but we think the lengthy 0% intro period makes it well worth owning.

The Annual Fee: $0

The Bottom Line: This no-frills card might not be the flashiest, but if your goal is to pay down credit card debt as efficiently as possible, you can’t beat it. During the almost two-year no-interest period, you’ll be able to put more of your monthly payment toward paying down your balance instead of paying off interest charges.

We love this card because it lets you earn triple points on a wide range of purchases and the rewards are flexible.

The Points: Turn more of your purchases into rewards with this powerful card. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases..

Flexible Rewards: When it comes to turning your points into rewards, you’ve got options with this card. You can redeem your rewards points for travel, gift cards or statement credits.  

Annual Fee:  $0

Bottom Line: With a $0 annual fee and so many ways to earn points, it’s hard to find a downside on this card.