These cards are good if you pay off your balance regularly. If you don’t pay off your balance each month, it would be better for you to use a card with the lowest APR.

Blue Cash from American Express

• 12.49% – 18.49% APR
• 5% cash back at grocery stores, gas stations, and drugstores (after you’ve spent $6,500 within a year – if you spend less, the rate is 1% and 0.5%
• 1.5% cash back on all other purchases
• 0% APR on new purchases for up to 12 months
• Offers a fixed 2.99% on balances transferred for 12 months
• 3% transfer fee

Capital One No Hassl Cash Rewards

• 9.9% – 16.9% APR
• 2% cash-back on gas and groceries
• 1% on all purchases
• 0% APR for up to 12 months
• No limits on cash-back rewards
• Rewards never expire
• $29 annual fee charged to people with lower credit scores

Chase Freedom Visa

• 9.99% – 18.99% APR
• 3% for every dollar you spend on gas, groceries, and fast food for the six months
• 1% for all other purchases
• $50 credit after first purchase
• 0% APR for up to 12 months
• 3% rewards are limited to $600 in purchases per month (after you reach $600, you earn 1%)

Discover More

• 10.99% – 18.99% APR
• 5% cash back in various categories on up to $400 of quarterly purchases
• 0.25% on other purchases up to $1,500 in yearly spending
• 0.5% from $1,500 to $3,000 on new purchases for six months
• 1% after $3,000 on new purchases for six months
• 0% balance transfers for up to 12 months
• 3% transfer fee

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