What does capital one consider excellent credit

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• 8% Earn 8% cash back on Capital One Entertainment purchases
• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
• 1% Earn 1% on all other purchases.

Intro offer

$200

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Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

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Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual fee

$0

Regular APR

17.99% - 27.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 8% Earn 8% cash back on Capital One Entertainment purchases
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

• Bankrate's ViewCaret Down

  This card is a great fit for the social butterfly, as you’ll earn on a wide range of popular purchases. Whether you prefer to host a night in or go out, you’ll earn cash back on everything from dining and entertainment to groceries and streaming services — all for no annual fee.

  Read our full Capital One SavorOne Cash Rewards Credit Card review.

  Pros

  • Claim cash back at any amount at any time with this card.
  • There are zero percent intro offers on both purchases and balance transfers for 15 months (then 17.99 percent to 27.99 percent variable APR and 3 percent fee on the amounts transferred within the first 15 months).

  Cons

  • Walmart, Target and wholesale clubs like BJ’s and Sam’s Club do not count for grocery store purchase rewards.
  • Capital One has a list of eligible streaming services you can earn rewards on that excludes some popular features like Prime Video.

• Card detailsCaret Down
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for first-year rewards

Discover it® Cash Back

Apply Now Lock

On Discover's secure site

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Best for first-year rewards

Discover it® Cash Back

Apply Now Lock

On Discover's secure site

Add to compare

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
• 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro offer

Cashback Match™

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Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

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Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Annual fee

$0

Regular APR

15.74% - 26.74% Variable APR *Rates as of December 15, 2022

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

• Bankrate's ViewCaret Down

  If you’re in the market for a fairly lucrative cash back card with an accessible credit approval threshold, this card could be a solid choice. With the Cashback Match program for the first year, no annual fee and popular rotating bonus category options each quarter, you’ll get a lot of value from owning this card. 
   
  
  Read our full Discover it Cash Back card review.

  Pros

  • This card offers a 15-month introductory APR period for purchases and balance transfers, then a low 15.74 percent to 26.74 percent variable APR after that. Rates as of 12-15-2022.
  • The Cashback Match program allows cardholders to essentially double their cash back earnings in the first year of card ownership.

  Cons

  • The rotating bonus categories require quarterly enrollment, which can be a hassle for cardholders.
  • Cardholders can’t transfer rewards to other loyalty programs.

• Card detailsCaret Down
  • Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 15, 2022.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

  Additional features

  Purchase intro APR

  0% for 15 months

  Balance transfer intro APR

  0% for 15 months

Best for groceries and online shopping

Blue Cash Everyday® Card from American Express

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On American Express's secure site

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Best for groceries and online shopping

Blue Cash Everyday® Card from American Express

Apply Now Lock

On American Express's secure site

Add to compare

Rating: 4.7 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees , Terms Apply

Rating: 4.7 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See if you're pre‐approved for this card with CardMatch™

See if you're pre‐approved for this card with CardMatch™

Rewards Rate

• 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• 1% 1% Cash Back on other purchases.

Intro offer

$250

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Earn up to $250 - Here's How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.

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Earn up to $250 - Here's How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.

Annual fee

$0

Regular APR

18.24%-29.24% Variable

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • 1% 1% Cash Back on other purchases.

• Bankrate's ViewCaret Down

  If you’re looking for a card that offers cash back rewards and no annual fee, this card might be for you. It provides elevated earnings at U.S. supermarkets, U.S. online retailers and U.S. gas stations. Add that with 0 percent intro APR for 15 months on purchases and balance transfers (then 18.24 percent to 29.24 percent variable APR), and you’ve got a card for saving you money on typical household spending. Read our full Blue Cash Everyday Card review.

  Pros

  • This card offers one of the best cash back rates on spending at U.S. supermarkets, making it ideal for people with substantial grocery budgets.
  • The intro APR offers on both balance transfers and purchases is lengthy, saving you on interest for a little over a year.

  Cons

  • Superstores like Walmart and Target don’t count as U.S supermarkets for the bonus categories.
  • There is a 2.7 percent foreign transaction fee, so it’s not a good option to take abroad.

• Card detailsCaret Down
  • Earn up to $250 - Here's How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% - 29.24% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.

  Additional features

  Purchase intro APR

  0% on purchases for 15 months

  Balance transfer intro APR

  0% on balance transfers for 15 months

Best for travel redemptions

Capital One Venture Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best for travel redemptions

Capital One Venture Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.9 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• 2X Earn unlimited 2X miles on every purchase, every day.

Intro offer

75,000 miles

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New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

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New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Annual fee

$95

Regular APR

18.99% - 26.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 2X Earn unlimited 2X miles on every purchase, every day.

• Bankrate's ViewCaret Down

  The Capital One Venture Rewards Credit Card is one of Bankrate's favorite beginner travel cards. You'll get a sizable welcome bonus and unlimited earning potential, plus flexible rewards redemption options. However, miles earned can't be redeemed for much value outside of travel.

  Read our full Capital One Venture Rewards Credit Card review.

  Pros

  • Your lower-tier rewards earning potential with this card is unlimited.
  • The card offers a generous welcome bonus: 75,000 miles (worth roughly $1,500 based on Bankrate’s value estimations) when you spend $4,000 within the first three months of account opening.

  Cons

  • The card doesn't offer an introductory APR period, so you won’t get any breaks on added interest charges if you carry a balance.
  • The card calls for a $95 annual fee, which might eat into your rewards earnings.

• Card detailsCaret Down
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

BEST FOR CAR ENTHUSIASTS

My GM Rewards Card™

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On Goldman Sachs Bank USA's secure site

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BEST FOR CAR ENTHUSIASTS

My GM Rewards Card™

Apply Now Lock

On Goldman Sachs Bank USA's secure site

Add to compare

Rating: 3.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 3.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 7X Earn unlimited 7x total points with GM.*
• 4X 4x points on purchases everywhere else.*

Intro offer

15,000 points

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Get 15,000 bonus points after you spend $1,000 in your first three months.*

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Get 15,000 bonus points after you spend $1,000 in your first three months.*

Annual fee

$0*

Regular APR

18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 7X Earn unlimited 7x total points with GM.*
  • 4X 4x points on purchases everywhere else.*

• Bankrate's ViewCaret Down

  Car connoisseurs rejoice, especially if your interests land in the General Motors (GM) manufacturing portfolio. You’ll earn 7X points on GM purchases and 4X points everywhere else with this card, all for no annual fee and with no reward earning caps.
  
  Read our full My GM Rewards Card review.

  Pros

  • Receive a $50 allowance toward car detailing services at a participating GM dealer per calendar year.
  • Your rewards won’t expire as long as your account is active and in good standing.

  Cons

  • The zero-percent intro APR offer on purchases is shorter than some, at only 12 months (then 18.74 percent to 28.74 percent variable).
  • Redemption options are fairly limited outside of GM-related purchases.

• Card detailsCaret Down
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.

  Additional features

  Purchase intro APR

  0% Intro Purchase APR for 12 Months*

  Balance transfer intro APR

  N/A

Best for groceries

Blue Cash Preferred® Card from American Express

Apply Now Lock

On American Express's secure site

Add to compare

Best for groceries

Blue Cash Preferred® Card from American Express

Apply Now Lock

On American Express's secure site

Add to compare

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees , Terms Apply

Rating: 4.4 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See if you're pre‐approved for this card with CardMatch™

See if you're pre‐approved for this card with CardMatch™

Rewards Rate

• 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% 6% Cash Back on select U.S. streaming subscriptions.
• 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
• 3% 3% Cash Back at U.S. gas stations
• 1% 1% Cash Back on other purchases

Intro offer

$250

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Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Info

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee

$0 intro annual fee for the first year, then $95.

Regular APR

18.24%-29.24% Variable

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% 6% Cash Back on select U.S. streaming subscriptions.
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

• Bankrate's ViewCaret Down

  This card not only offers the best cash back rate you can get at U.S. supermarkets, but also carries a competitive rate on U.S. gas station, transit and select streaming service purchases, making it a smart standalone choice for everyday rewards. And though it carries a $95 annual fee ($0 intro annual fee for the first year), this should be easy to offset with an average-sized grocery budget (spend just $31 per week at U.S. supermarkets and you’ll cover the fee each year).

  Pros

  • It offers elevated earning rates on a variety of family-focused and everyday categories.
  • Comes with shopping and travel protections, including return protection for purchases worth up to $300 even if the merchant doesn’t allow returns.

  Cons

  • To make up for the annual fee, you’ll need to spend at least $1,590 per year at U.S .supermarkets. While doable, it’s still a factor to consider when comparing with no-annual-fee cards.
  • Other cards have potentially lower APRs for users with good credit.

• Card detailsCaret Down
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

  Additional features

  Purchase intro APR

  0% on purchases for 12 months

  Balance transfer intro APR

  0% on balance transfers for 12 months

Best for gas stations and restaurants

Discover it® chrome

Apply Now Lock

On Discover's secure site

Add to compare

Best for gas stations and restaurants

Discover it® chrome

Apply Now Lock

On Discover's secure site

Add to compare

Rating: 4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 2% Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

Intro offer

Cashback Match™

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Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Info

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Annual fee

$0

Regular APR

15.74% - 26.74% Variable APR *Rates as of December 15, 2022

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 2% Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

• Bankrate's ViewCaret Down

  The card earns a decent 2 percent cash back (up to $1,000 in purchases per quarter) at gas stations and restaurants, though more generous options exist. There’s a 15-month 0 percent introductory APR on purchases and balance transfers (then 15.74 percent to 26.74 percent variable APR. Rates as of 12-15-2022). If you transfer a balance during the intro period, you’ll pay a 3 percent balance transfer fee, but afterwards, it increases to 5 percent. 
   
  
  Read our full Discover it chrome review.

  Pros

  • The card offers flexible cash back redemption options.
  • The Cashback Match program essentially doubles your rewards for the first year of account ownership.

  Cons

  • The balance transfer fee (3 percent during the intro period, then up to 5 percent) is high.
  • The card caps the 2 percent cash back categories at $1,000 in spending quarterly.

• Card detailsCaret Down
  • Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 15, 2022.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

  Additional features

  Purchase intro APR

  0% for 15 months

  Balance transfer intro APR

  0% for 15 months

Best for low interest and low cost

Upgrade Cash Rewards Visa®

Apply Now Lock

On Upgrade's secure site

Add to compare

Best for low interest and low cost

Upgrade Cash Rewards Visa®

Apply Now Lock

On Upgrade's secure site

Add to compare

Rating: 3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 3 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 1.5% Earn 1.5% unlimited cash back on card purchases every time you make a payment

Intro offer

N/A

Annual fee

$0

Regular APR

14.99% - 29.99% APR

Recommended credit

Fair to Good (580 – 740)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 1.5% Earn 1.5% unlimited cash back on card purchases every time you make a payment

• Bankrate's ViewCaret Down

  Although the Upgrade Cash Rewards Visa doesn't allow balance transfers or cash advances, there are no fees or penalties. Also, this card's regular APR begins at 14.99 percent to 29.99 percent, which is a strikingly low starting rate. All in all, this is a solid low-interest card.

  Read our full Upgrade Cash Rewards Visa review.

  Pros

  • Cardholders earn 1.5 percent unlimited cash back on purchases every time they make a payment.
  • Cardholders with excellent credit have the opportunity for a very low APR rate.

  Cons

  • No introductory APR rates causes this card to fall short among some competing cards.
  • The card's 14.99 percent to 29.99 percent APR might come out on the high side, depending on your credit score.

• Card detailsCaret Down
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer.

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Credit Card BestFeatured

Best for rewards on internet, TV and cellphone service

Credit One Bank® Platinum X5 Visa®

Apply Now Lock

On Credit One Bank's secure site

Add to compare

Credit Card BestFeatured

Best for rewards on internet, TV and cellphone service

Credit One Bank® Platinum X5 Visa®

Apply Now Lock

On Credit One Bank's secure site

Add to compare

Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 3.8 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
• 1% 1% cash back rewards on all other purchases. Terms Apply.

Intro offer

N/A

Annual fee

$95

Regular APR

26.99% Variable

Recommended credit

Fair to Good (580 – 740)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
  • 1% 1% cash back rewards on all other purchases. Terms Apply.

• Bankrate's ViewCaret Down

  This card offers a generous cash back rate on purchases like internet and mobile phone service and essentials like gas and groceries, making this card a solid option for families. Although the 5 percent earning rate in these categories is capped at $5,000 in purchases per year before dropping to 1 percent, it’s still a high ceiling.

  What does Capital One consider to be excellent credit?

  Capital One defines good to excellent credit as: Never declaring bankruptcy or defaulting on a loan. Not more than 60 days late on a credit card, loan, or medical bill in the past year. Had a loan or credit card for 3 years or more with a credit limit above $5,000.

  What kind of credit score is considered excellent?

  Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

  What FICO score does Capital One Auto use?

  Capital One auto loan rates Lenders set their own requirements, but Capital One's lowest rates are typically available only to borrowers with good or excellent credit (generally a FICO score of 690 and above).

  Is a 740 credit score good or excellent?

  Learn more about your credit score A 740 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.