Credit
Best Credit Cards
Cashback, travel and balance-transfer picks for every credit profile.
Last updated July 2026 · Fact-checked by the Finance Trio research desk
Advertising disclosure: we may earn a commission when you open an account through a link on this page. Rankings are determined by our published scoring model, not by compensation.
At a glance
| Provider | Award | Rating | Annual fee | Rewards | Foreign fee | Who qualifies | Apply |
|---|---|---|---|---|---|---|---|
| Chase Sapphire Preferred® CardChase · US | Best travel card (US) | 4.8 | $95 annual fee | 5x on travel booked via Chase Travel, 3x dining, 2x other travel, 1x everything else | None | Good to excellent credit | |
| Wells Fargo Active Cash® CardWells Fargo · US | Best flat cash back (US) | 4.6 | $0 annual fee | Unlimited 2% cash rewards on purchases | 3% | Good to excellent credit | |
| Blue Cash Preferred® Card from American ExpressAmerican Express · US | Best for groceries (US) | 4.5 | $0 intro annual fee, then $95 | 6% US supermarkets (up to $6,000/yr) and select streaming, 3% gas and transit, 1% other | 2.7% | Good to excellent credit | |
| American Express Cobalt® CardAmerican Express · Canada | Best rewards card (Canada) | 4.8 | $15.99 monthly fee ($191.88/yr) | 5x eats and drinks, 3x streaming, 2x travel and transit, 1x other | 2.5% | Canadian resident, good credit | |
| Scotiabank Passport™ Visa Infinite* CardScotiabank · Canada | Best for travel abroad (Canada) | 4.6 | $150 annual fee | 3x at Sobeys-family grocers, 2x dining, entertainment and transit, 1x other | None | Personal income $60,000 or household $100,000 | |
| Tangerine Money-Back Credit CardTangerine · Canada | Best no-fee cash back (Canada) | 4.4 | $0 annual fee | 2% in up to 2 chosen categories (3 with a Tangerine savings account), 0.5% other | 2.5% | Canadian resident, annual income of $12,000 or more |
Fees, rewards and requirements change often. Always confirm current terms on the issuer's website before applying.
The picks in detail
- 4.8
Best travel card (US)
Chase Sapphire Preferred® Card
Flexible Ultimate Rewards points that transfer to airline and hotel partners.
Pros
- Valuable transfer partners
- No foreign transaction fee
- Strong trip insurance
Cons
- Annual fee
- Best value needs travel redemptions
- 4.6
Best flat cash back (US)
Wells Fargo Active Cash® Card
One simple rate on everything, with no categories to track.
Pros
- No annual fee
- Flat 2% everywhere
- Intro APR on purchases
Cons
- Foreign transaction fee
- No bonus categories
- 4.5
Best for groceries (US)
Blue Cash Preferred® Card from American Express
Very high cash back for families who spend heavily on groceries.
Pros
- 6% at US supermarkets
- Streaming bonus
- Gas and transit bonus
Cons
- Annual fee after year one
- Spending cap on 6% groceries
- 4.8
Best rewards card (Canada)
American Express Cobalt® Card
Top earn rate on groceries and restaurants, with Membership Rewards points.
Pros
- 5x on food and groceries
- Flexible points
- Fee billed monthly
Cons
- Amex not accepted everywhere
- Foreign transaction fee
- 4.6
Best for travel abroad (Canada)
Scotiabank Passport™ Visa Infinite* Card
No foreign transaction fees plus airport lounge visits every year.
Pros
- No foreign transaction fee
- Lounge passes included
- Visa accepted widely
Cons
- Income requirement
- Annual fee
- 4.4
Best no-fee cash back (Canada)
Tangerine Money-Back Credit Card
Choose your own 2% categories and get cash back paid monthly.
Pros
- No annual fee
- You pick the categories
- Low income requirement
Cons
- 0.5% on everything else
- Foreign transaction fee
Frequently asked questions
How we build this comparison and keep it current.