Explore credit cards

No rewards program; fair-credit credit-building card

28.99% variable APR. Credit improvement is not guaranteed. Rental coverage exclusions apply. DashPass requires activation by 2027-12-31 and auto-renews at the current monthly rate after six months unless canceled.

No standard ongoing cash-back or points rate stated; value centers on Sleep Number promotional financing and Sleep Number Rewards store credit.

Promotional financing: Everyday 0% interest for 24 months on smart-bed purchases with the Sleep Number credit card; equal monthly payments required. Dated campaigns through 2026-09-28 are historical.

Qualifying purchase must be on one receipt; credit approval and equal monthly payments required. Other dated 2026-08-02–2026-09-28 campaigns are not current offers.

Former Kroger-family co-brand rewards card; portfolio announced to transition to U.S. Bank Smartly in fall 2026

Closed to new applications. Existing accounts are scheduled to transition under U.S. Bank's announced Kroger co-brand conversion; timing, replacement-card terms and retained rewards are governed by the issuer notice.

15% off first eligible purchase | 7.5% back in rewards on Soma purchases | Free standard shipping, no minimum

Approval may be for a Soma private-label card or Soma Mastercard. Mastercard cardholders also earn 2% at grocery stores and restaurants and 1% on other Mastercard purchases. Free standard shipping excludes Alaska, Hawaii and U.S. territories; offer exclusions apply.

3% cash back on eligible gas/EV, cell phone, office supply and dining purchases; 1% elsewhere

3% bonus categories depend on merchant coding; gas/EV purchases over $200 and purchases at wholesale clubs or supercenters generally earn 1%. Rewards Center booking is required for 5% prepaid hotel/car rental rewards. Cash rewards expire after five years. Business eligibility and current application terms apply.

1.5 points per $1 on eligible purchases

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. Business or organizational eligibility and business-use restrictions apply; employee-card, liability and expense-control terms vary by account setup. The introductory APR offer (0% APR for first 6 billing cycles) applies only to the stated transaction types and period; transfer timing, transfer fees and the subsequent ongoing APR may apply. The ongoing rate is 17.24%–26.24% variable APR and may change as described in the card agreement.

1.5 points per $1 on eligible purchases

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The introductory APR offer (0% APR for first 6 billing cycles) applies only to the stated transaction types and period; transfer timing, transfer fees and the subsequent ongoing APR may apply. The ongoing rate is 17.74%–27.99% variable APR and may change as described in the card agreement.

4 points per $1 on dining, takeout and delivery on first $2,000 each quarter; 2 points at grocery, gas/EV and eligible streaming; 1 point elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The earning cap and reset period stated in the rewards terms apply; purchases above the cap earn only the applicable base rate. The introductory APR offer (0% APR for first 12 billing cycles on purchases and balance transfers) applies only to the stated transaction types and period; transfer timing, transfer fees and the subsequent ongoing APR may apply. The ongoing rate is 17.74%–27.99% variable APR and may change as described in the card agreement.

5% cash back in two chosen categories on first $2,000 combined quarterly; 2% in one everyday category; 1% elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The earning cap and reset period stated in the rewards terms apply; purchases above the cap earn only the applicable base rate. The introductory APR offer (0% APR for first 12 billing cycles on purchases; qualifying transfers) applies only to the stated transaction types and period; transfer timing, transfer fees and the subsequent ongoing APR may apply. The ongoing rate is 17.74%–27.99% variable APR and may change as described in the card agreement.

5% cash back in two chosen categories on first $2,000 combined quarterly; 2% in one everyday category; 1% elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The earning cap and reset period stated in the rewards terms apply; purchases above the cap earn only the applicable base rate. A security deposit or pledged share balance is required; the available credit line and refund or release of collateral depend on approval and account history. The ongoing rate is 28.49% variable APR and may change as described in the card agreement.

6 points per $1 on prepaid travel booked in Rewards Center; 2 points elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The ongoing rate is 18.99%–27.99% variable APR and may change as described in the card agreement.

No rewards

This card does not earn rewards. A security deposit or pledged share balance is required; the available credit line and refund or release of collateral depend on approval and account history. The ongoing rate is 27.49% variable APR and may change as described in the card agreement.

2 points per $1 in top two monthly spend categories automatically; 1 point elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The earning cap and reset period stated in the rewards terms apply; purchases above the cap earn only the applicable base rate. Business or organizational eligibility and business-use restrictions apply; employee-card, liability and expense-control terms vary by account setup. The ongoing rate is 18.24%–25.24% variable APR and may change as described in the card agreement.

4 points per $1 on eligible travel, gas/EV, entertainment and recreation; 1.5 points elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The ongoing rate is 18.99%–27.99% variable APR and may change as described in the card agreement.

4X Southwest purchases; 2X gas stations and restaurants; 2X local transit and commuting; 2X hotels booked directly; 1X other purchases

Business eligibility and spending-category definitions apply. Rewards are earned on eligible net purchases only; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Bonus eligibility and benefits follow the live offer and program terms.

2X Southwest purchases; 2X gas and groceries on first $5,000 combined each anniversary year; 1X all other purchases

Gas and grocery 2X is capped at $5,000 combined per anniversary year. Bag and seat benefits require eligible travel and are subject to availability/program terms. Welcome-offer eligibility excludes current Southwest consumer cardholders and those who received a consumer Southwest bonus in the past 24 months.

3X Southwest purchases; 2X gas stations and restaurants on first $8,000 combined annual spend; 1X other purchases

2X gas and restaurant rate applies to first $8,000 combined eligible spend per account anniversary year

3X Southwest purchases; 2X groceries and restaurants on first $8,000 combined each anniversary year; 1X all other purchases

Grocery and restaurant 2X is capped at $8,000 combined per anniversary year. Bag and seat benefits require eligible travel and are subject to availability/program terms. Welcome-offer eligibility excludes current Southwest consumer cardholders and those who received a consumer Southwest bonus in the past 24 months.