Target Circle™ Card
MastercardAnnual Fee
$0
Rewards
5% off all Target purchases
Sign-Up Bonus
None
The right card for how you spend
Cashback, travel, building credit — compared by what actually matters to you.
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Recently added
Annual Fee
$0 (with Costco membership)
Rewards
4% gas, 3% restaurants/travel, 2% Costco, 1% all else
Sign-Up Bonus
None
Annual Fee
$95
Rewards
6X Marriott, 3X groceries/gas, 2X all else
Sign-Up Bonus
3 free night awards after $3,000 in 3 months
Capital One Platinum Secured Credit Card
MastercardAnnual Fee
$0
Rewards
No rewards — credit building card
Sign-Up Bonus
None
Annual Fee
$395
Rewards
10X hotels/cars via Capital One Travel, 5X flights, 2X all else
Sign-Up Bonus
75,000 miles after $4,000 in 3 months
Annual Fee
$95
Rewards
2x miles on all purchases, 5x Capital One Travel
Sign-Up Bonus
75,000 miles after $4,000 spend in 3 months
Annual Fee
$0
Rewards
1.5% cash back on all purchases
Sign-Up Bonus
None
Annual Fee
$150
Rewards
2X miles on Delta/restaurants/supermarkets, 1X all else
Sign-Up Bonus
10,000 bonus miles after $1,000 in 6 months
Annual Fee
$69
Rewards
2X Southwest & partners, 1X all else
Sign-Up Bonus
50,000 points after $1,000 spend in 3 months
Annual Fee
$95
Rewards
6% groceries/streaming, 3% transit/gas, 1% all else
Sign-Up Bonus
$250 after $3,000 in 6 months
Annual Fee
$0
Rewards
7X Hilton, 5X restaurants/groceries/gas, 3X all else
Sign-Up Bonus
80,000 points after $2,000 in 6 months
Annual Fee
$95
Rewards
5x travel, 3x dining
Sign-Up Bonus
60,000 points after $4,000 spend in 3 months
Annual Fee
$0 (with Prime)
Rewards
5% Amazon & Whole Foods, 2% gas/dining/transit, 1% all else
Sign-Up Bonus
$200 Amazon Gift Card upon approval
Annual Fee
$0
Rewards
5% on 2 chosen categories, 2% on 1 chosen, 1% all else
Sign-Up Bonus
$200 after $1,000 in 120 days
Annual Fee
$0
Rewards
1% cash back on all purchases
Sign-Up Bonus
$50 after first purchase in 3 months
Apple Card: Simple and Rewarding
MastercardAnnual Fee
$0
Rewards
3% Apple/select merchants, 2% Apple Pay, 1% physical card
Sign-Up Bonus
None
Discover it® Cash Back Credit Card
DiscoverAnnual Fee
$0
Rewards
5% rotating categories, 1% everything else (doubled first year)
Sign-Up Bonus
Cashback Match (all cash back doubled first year)
Annual Fee
$250
Rewards
4x restaurants & groceries, 3x flights
Sign-Up Bonus
60,000 points after $6,000 spend in 6 months
Annual Fee
$0
Rewards
2% on first $50K/year, then 1%
Sign-Up Bonus
$250 after $3,000 in 3 months
Discover it® Secured Credit Card
DiscoverAnnual Fee
$0
Rewards
2% gas & restaurants, 1% everything else
Sign-Up Bonus
Cashback Match (all cash back doubled first year)
📝 Latest from the blog
Discover it® Cash Back: Maximize Rewards, But Watch for Pitfalls
The Discover it® Cash Back card offers stellar rewards with no annual fee, but rotating categories and higher post-promo APR could trip you up.
Chase Freedom Rise®: Credit Building with Cash Back
The Chase Freedom Rise® is your ticket to building credit while pocketing 1.5% cash back on every purchase. No annual fee is a big win, but watch out for the steep APR.
Capital One Quicksilver: Simple, Solid Cash Back
Want straightforward cash back without the fuss? The Capital One Quicksilver is for you, but watch out for the high APR.
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