Wells Fargo Active Cash® Card Best for flat-rate cash back: Citi Double Cash® Card Best for no annual fee: Chase Freedom Unlimited® (See rates and fees) Best for average credit: Capital One ...

I offer personalized recommendations based on their individual needs and wants, factoring in benefits, rewards, and financial protection they won't get from paying cash or using a debit card.

That doesn’t mean no credit equals no rewards. Some card issuers may have credit card offers that feature rewards or cash back options even if you have no credit or a limited credit file. You’ll just ...