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The closest fit to what you told us

Sorted by ongoing APR, lowest first.

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Chime Credit Builder Visa

Regular APR
0%Checked Aug 30, 2026
Credit line
Set by what you move to the card
Intro APR
N/A, the card carries no balance
How to apply
Online only, through the Chime app
Main requirement
An open Chime Checking Account

Earns almost nothing, but no interest, deposit or late fee — needs a Chime account.

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Longest 0% window we cover

Wells Fargo Reflect Card

Regular APR
17.49%–28.24%Checked Aug 30, 2026
Credit line
Set at approval
Intro APR
0% APR for 21 months on purchases and qualifying transfers
How to apply
Online, or at a Wells Fargo branch
Main requirement
Good to excellent credit

Almost two years interest-free, no rewards. Transfer fee is 5%, min $5.

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2% back for the first year

Bank of America Unlimited Cash Rewards

Regular APR
17.49%–27.49%Checked Aug 30, 2026
Credit line
Set at approval
Intro APR
0% APR for 15 billing cycles on purchases and on transfers in the first 60 days
How to apply
Online, or at a Bank of America branch
Main requirement
Good to excellent credit

Drops to 1.5% after year one unless you reach a BofA tier. 3% foreign fee, bad for travel.

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You pick the 5% categories

U.S. Bank Cash+ Visa Signature

Regular APR
17.74%–27.99%Checked Aug 30, 2026
Credit line
Set at approval
Intro APR
0% APR for the first 15 billing cycles on purchases and transfers
How to apply
Online, or at a U.S. Bank branch
Main requirement
Good to excellent credit

5% categories rotate quarterly and must be registered, or they earn just 1%.

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$200 bonus after $500 in 3 months

Chase Freedom Flex

Regular APR
18.24%–27.74%Checked Aug 30, 2026
Credit line
Set at approval
Intro APR
0% APR for 15 months on purchases and transfers
How to apply
Online, or at a Chase branch
Main requirement
Good to excellent credit

5% categories need quarterly activation; 3% year-round on dining and drugstores covers the gaps.

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20,000 points after $1,000 in 3 months

Wells Fargo Autograph Card

Regular APR
18.49%–28.49%Checked Aug 30, 2026
Credit line
Set at approval
Intro APR
0% APR for 12 months on purchases
How to apply
Online, or at a Wells Fargo branch
Main requirement
Good credit, commonly reported around 700+

3X on dining, travel, gas and streaming, no annual or foreign fee — fixed categories.

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80,000 bonus miles after $5,000 in 3 months

United Club Infinite Card

Regular APR
19.74%–28.24%Checked Aug 30, 2026
Credit line
Set at approval
Intro APR
No intro APR offer
How to apply
Online, or at a Chase branch
Main requirement
Excellent credit and enough United flying to use the perks

Fee jumped to $695; worth it only if you'll use the United Club perks.

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About this comparison

We list the cards we cover, with the rates, fees and welcome offers each issuer publishes. We are not a bank and we do not decide who gets approved.

Terms change often and the rate you are offered depends on your credit profile. Confirm every number on the issuer's page before you apply.

We are not a bank or a card issuer and we do not approve applications. Rates, fees and welcome offers come from the issuers and change often, so confirm every number on the issuer's page before you apply.