Your top picks for Spending Optimizer
Based on your answers, here are the 3 cards we think fit you best — ranked by overall value.
Citi Double Cash Card
Citi
Annual Fee
No Fee
Welcome Bonus
$200 cash back
$200 · After $1,500 in first 6 months
Earn Rates
- ✦2% on all purchases (1% when you buy + 1% when you pay)
- ✦No rotating categories or limits
Key Perks
- ✓No annual fee
- ✓Simple, flat-rate structure
- ✓0% APR on balance transfers for 18 months
Recommended credit: Good to Excellent (670+)
Apply Now →You will be redirected to Citi's secure application.
Chase Freedom Unlimited
Chase
Annual Fee
No Fee
Welcome Bonus
Additional 1.5% cash back on all purchases first year
Up to $300 extra cash back · After No minimum spend required
Earn Rates
- ✦5% on travel via Chase Travel
- ✦3% on dining and drugstores
- ✦1.5% on everything else
Key Perks
- ✓No annual fee
- ✓0% APR for 15 months on purchases
- ✓Pairs perfectly with Sapphire cards
Recommended credit: Good to Excellent (670+)
Apply Now →You will be redirected to Chase's secure application.
Wells Fargo Active Cash Card
Wells Fargo
Annual Fee
No Fee
Welcome Bonus
$200 cash rewards
$200 · After $500 in first 3 months
Earn Rates
- ✦2% unlimited cash rewards on all purchases
- ✦No category restrictions or caps
Key Perks
- ✓No annual fee
- ✓0% APR for 12 months
- ✓Cell phone protection (up to $600)
Recommended credit: Good (670+)
Apply Now →You will be redirected to Wells Fargo's secure application.
Card details last updated: 2026-05-21. Always verify terms on the issuer's site.
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