Earn up to 3% cash back on your top spend category, 2% on the next, and 1% on the rest. No annual fee. Your card comes with your own unique QR code on the front, so it’s a snap to Venmo friends.

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.