Rakuten Cash Back

If you already shop through Rakuten, this card is easy to like. The 4% back on Rakuten purchases is the main reason to carry it, and the $0 annual fee means you do not need to squeeze extra value out of credits or perks to justify keeping it. The 2% back on dining and groceries adds some everyday usefulness, and no foreign transaction fee is a nice extra for a no-fee card.

For most readers, though, this is not the only card they need. Outside Rakuten, the rewards are fairly ordinary, especially the 1% back on other purchases. If your spending is spread across many categories or you want stronger travel protections and card benefits, you will likely pair this with another card rather than use it for everything.