Meridian
Meridian One Card
Best for everyday spend 8.6 / 10
The Meridian One pairs a real grocery bonus with a solid 1.5% floor and accepts applicants with fair credit, which makes it a rare card that rewards everyday spending without demanding an excellent score. The grocery cap is the main limit for large households.
Pros
- ✓3% grocery rate beats most no-fee competitors
- ✓Approvable with fair credit, not just excellent
- ✓Genuine $200 welcome bonus on a modest spend requirement
Cons
- ✗Grocery bonus capped at $6,000 of spend per year
- ✗Base 1.5% rate trails top 2% flat-rate cards
Key facts
- APR
- 19.49% - 28.49% variable
- Annual Fee
- $0
- Rewards Rate
- 3% groceries, 1.5% other
- Intro Offer
- $200 after $1,000 spend
How we scored it
- Rewards value 8.8
- Approachability 9.0
- Fees 9.2