TD Double Up

The TD Double Up earns a flat 2% on every purchase with no annual fee, which makes it a solid low-maintenance pick if you don't want to track bonus categories. The $200 bonus after $1,500 in spend within three months is reasonable for a no-fee card, and the 0% intro APR runs 12 months on purchases and 15 months on balance transfers. The catches are mostly about redemption and travel: you need 2,500 points, or $25, before you can redeem, and cash only goes out as a statement credit or a deposit to a TD checking or savings account. The card also charges a foreign transaction fee, so leave it home when you travel abroad. For straightforward domestic spending, it holds its own as an everyday 2% card.