Best Credit Cards of May 2024

Wells Fargo Active Cash^® Card

If you’re looking for a powerful cash back card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash^® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash^® Card now.

Chase Freedom Unlimited^®

Searching for a credit card that combines cash back rewards and a long 0% introductory APR period? You'll want to check out the Chase Freedom Unlimited^® Card!

Cardholders can earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

And you don’t want to overlook the extended 0% intro APR period: New cardholders can enjoy an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until August 2025 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

Annual Fee: $0

Capital One Quicksilver Cash Rewards Credit Card

When it comes to rewards credit cards, sorting through the hundreds of options can be overwhelming. And if you’re new to credit cards, the idea of juggling multiple cards or monitoring ever-changing spending categories can be downright stressful.

That’s why the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) is such a smart choice. You can earn 1.5% cash back on every purchase, every day — easy! Worried about interest? Relax — this card offers a 0% intro APR on purchases for the first 15 months then 19.99% - 29.99% (Variable).

Plus, new cardholders can get a one-time cash bonus — earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Use your card for essentials at the gas station or grocery stores, and in our opinion, you can easily meet the spending requirement.

Additional perk: New cardholders can take advantage of 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; Balance transfer fee applies.

Annual fee: $0

Click here to apply for the Capital One Quicksilver Cash Rewards Credit Card now.

Chase Sapphire Preferred^® Card

Limited-Time Offer

🚨 LIMITED-TIME OFFER: This rare, limited-time credit card offer recently went live and might be gone soon. Right now, the Chase Sapphire Preferred^® Card allows you to earn 75,000 bonus points after spending $4,000 in purchases in the first 3 months. 

Plus, you'll get a powerful limited-time welcome offer and high-rate rewards: Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases. This card pays you back on nearly every purchase!

If you missed this offer from Chase last time, do not hesitate to apply — it will not last forever. This signup bonus is worth 15,000 more points than the previous offer! 

You'll also get a range of exhilarating benefits from this card. Enjoy annual statement credits for eligible hotel stays, an anniversary bonus, and travel benefits like trip delay reimbursement and auto rental collision damage waiver — all of which far outweigh the $95 annual fee. 

Click here to apply for the Chase Sapphire Preferred^® Card now.

Discover it^® Cash Back

The Discover it^® Cash Back(Rates and fees) is one of the best cash back cards on the market with its ability to earn up to 5% cash back on common rotating spending categories and a rare welcome offer — all with no annual fee.

Take charge of how much cash back you can earn as Discover will match all the cash back you’ve earned at the end of your first year.

And racking up cash back is simple as you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically. 

The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back! 

Discover is accepted by 99% of merchants, and you can redeem your cash back rewards as a statement credit, bank account deposit, or gift cards to dozens of popular retailers. 

Even better, the Discover it^® Cash Back card offers a 0% intro APR for 15 months on purchases and balance transfers, then APR 17.24% - 28.24% Variable. This is a great way to pay down credit card debt or finance a large purchase while earning cash back at the same time!

Annual Fee: $0

Click here to apply for the Discover it^® Cash Back now.

Bank of America^® Unlimited Cash Rewards credit card

If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America^® Unlimited Cash Rewards credit card.

Enjoy a 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 19.24% - 29.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards® member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America^® Unlimited Cash Rewards credit card now.

Bottom Line

The Wells Fargo Active Cash^® Card is a great choice for almost everyone. Cardholders can benefit from a generous welcome bonus, earn 2% cash rewards on purchases, and 0% intro APR for 15 months from account opening on qualifying balance transfers and new purchases — all without an annual fee.

• Intro APR: Enjoy a 0% introductory APR on purchases for 15 months from account opening then 20.24%, 25.24%, or 29.99% Variable APR thereafter. You also get a 0% intro APR for 15 months from account opening on qualifying balance transfers then 20.24%, 25.24%, or 29.99% Variable APR thereafter.
• No annual fee: The Active Cash card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
• Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Cash rewards: Cardmembers earn 2% cash rewards on purchases. If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash^® Card card could be a good option for you.
• Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
• Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

» Click here to apply now and pay 0% interest until August 2025