The Capital One SavorOne Rewards card is a great option if you want to earn cash back without complicating things (or draining your wallet.) For a very modest annual fee, you’ll earn unlimited 3% cash back on dining, groceries, entertainment, and even popular streaming services, plus 1% back on everything else. It’s an easy way to earn on everyday spending categories that most of us are already dropping money on, and the rewards don’t expire. You’ll also get perks like no foreign transaction fees, access to Capital One’s entertainment and dining platforms, and more. If you’re working on building your credit and want a rewarding card that’s easy to use (without a huge fee attached), this one checks a lot of boxes.