Overstock™ Mastercard®

This card is worth a look if you spend heavily with Bed Bath & Beyond and want to earn elevated rewards there without paying an annual fee. The 3% back at department stores and 2% at gas stations add a little extra utility, and the lack of an annual fee makes it easy to keep if those categories match how you already spend.

For most readers, though, this is a specialist card. If Bed Bath & Beyond is not a regular stop, the rewards structure is fairly narrow and the 1% base rate on everything else is easy to beat with a general cash-back card. With no listed benefits or welcome offer, the case for this card rests almost entirely on how often you can use its top earning categories.