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Our team of experts reviewed the best credit cards to bring you our top picks for all scenarios: cash back, balance transfer, and more.

Paying off a loan early can reduce your debt-to-income ratio, which can benefit your credit. Your credit score is based on a number of factors, like payment history and credit utilization.

Read our comparison of the Wells Fargo Active Cash and Wells Fargo Reflect cards to learn which is right for your wallet.