The Chase Freedom Unlimited starts with a rich welcome offer, but its useful bonus categories and flexible rewards make it a winner among cash-back cards.

The card charges an annual fee and a monthly fee that can add up to more than $200 per year. Even if you have bad credit, you can get a card that doesn’t cost a cent in fees.

This card is great for: Getting the best of both worlds -- paying off debt with 0% interest and earning unlimited cash back. This card offers a 0% intro APR for 18 months on Balance Transfers.