Your Credit Card Results: Compare Three Rewards Options
Choose the card that matches your spending
Based on the preferences provided, you can now review three credit card options designed for different types of spending.
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One option offers straightforward cash back on everyday purchases. Another focuses on groceries, dining and entertainment. The third rewards travel, gas, restaurants, transit and other common expenses.
Your recommended options are ready
The right credit card depends less on which offer appears most popular and more on where you regularly spend money.
Someone who wants a simple card for groceries, household expenses and online purchases may prefer a flat-rate rewards structure. A person who spends heavily on dining and entertainment may earn more from category-based cash back. Frequent travelers and commuters may benefit from a card that rewards airfare, hotels, gas stations and transit.
All three cards presented here currently have no annual fee. However, that does not mean using them is free in every situation. Interest, balance transfer fees, cash advance charges, foreign transaction fees and late fees may still apply depending on the card and transaction.
A simple option for everyday spending
The Citi Double Cash® Card offers unlimited 2% cash back on purchases: 1% when a purchase is made and another 1% as that purchase is paid. It does not require rotating-category activation and does not place a cap on the total cash back that can be earned. The card also has no annual fee.
This structure can work well for people who do not want to remember which categories receive a bonus each month or quarter.
Citi Double Cash also offers a total of 5% cash back on eligible hotels, car rentals and attractions booked through the Citi Travel portal. This includes the standard 1% earned when buying, the additional 1% earned while paying and 3% in additional travel rewards.
Higher rewards on food and entertainment
Capital One Savor currently offers unlimited 3% cash back at eligible grocery stores and on dining, entertainment and popular streaming services. It earns 1% cash back on other eligible purchases and has no annual fee.
Dining can include restaurants, cafés, bars, bakeries and fast-food businesses. Eligible entertainment may include movie theaters, amusement parks, professional sporting events, aquariums, zoos and certain live-event purchases.
Merchant classification matters. A restaurant inside a hotel or department store might not be coded as dining. Grocery rewards also exclude superstores such as Walmart and Target, even when groceries are purchased there.
Rewards for travel, transportation and phone plans
The Wells Fargo Autograph℠ Card earns unlimited 3X points on restaurants, travel, gas stations, electric vehicle charging, transit, popular streaming services and eligible phone plans. Other eligible purchases earn 1X point. The card has no annual fee and no foreign transaction fee.
Its travel category can include airfare, hotels, vehicle rentals, cruises, travel agencies and campgrounds. Transit can include ride-sharing services, subways, tolls and parking.
Autograph also includes cellular telephone protection when eligible phone bills are paid with the card. Wells Fargo currently lists coverage of up to $600 against eligible theft or damage, subject to a $25 deductible and the complete benefit terms.
Compare more than the rewards rate
Before applying, compare the annual fee, regular APR, introductory APR, foreign transaction fee, rewards categories and redemption rules.
Consider whether the highest-earning categories match your real spending. A card offering 3% in categories you rarely use may generate fewer rewards than a straightforward 2% card.
Most importantly, rewards should not encourage additional spending. Credit card interest is often calculated daily using the average daily balance. When a card provides a grace period, paying the statement balance in full by the due date can generally prevent interest on new purchases.
Paying only the minimum can keep an account current, but it normally increases the time required to eliminate the balance and the total interest paid. Late payments may also trigger fees, damage credit history or cause the loss of a promotional APR.
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Editorial notice: This content is informational and educational. It does not guarantee approval or represent a personalized financial recommendation. Loan availability, rates, fees and terms are determined by the lender and may vary by state and applicant profile.
