Looking for the best credit cards? You’re in the right place. Whether you want cash back, rewards, miles, low interest or no annual fee, our experts have collected the top credit card offers from our partners in one place. Check them out below and keep coming back - this list is updated monthly.
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Updated: February 16, 2018
Don’t love your current card? Maybe you want better rewards. Or perhaps there’s a balance sneaking up on you that you need to wrangle under control. The best credit cards don’t necessarily have the highest annual fees – or no annual fee at all. It all depends on what you want to accomplish financially.
But which is the best? Learn the host of factors that weigh into what makes a great credit card. Here, we look at:
Here’s what you need to know:
Rarely do you want to incur fees on your credit card – it often means that you have paid late or have overextended and taken out a cash advance. Remember, credit cards should be used for credit building, convenience and earning rewards. Otherwise, you are putting money on the table that doesn’t need to be there.
However, there are a couple of times when it might be worth your while to pay a fee associated with a credit card. For example, you might find a strong balance transfer offer with a balance transfer fee that’s better than an offer with no balance transfer fee. Yes, you are paying up to 5% for the honor of transferring the balance, but the interest charges you’ll save might make it worth it. Also, annual fees may still be worth the cost if it’s a card you plan to use often enough to counterbalance the cost of the fee.
Lenders make a ruling on your creditworthiness based on your credit score. It’s how they decide which lending products to give you. Here are some ways to access your score:
Ideally, you should hold at least 2 credit cards, each from a different, major network (American Express, Visa, Mastercard or Discover). According to a 2017 Experian survey, the average American holds almost 4 cards, and 62% reported having between 1 and 5 cards. (Experian is one of the 3 major credit bureaus.) And according to dominant scoring model FICO, “high achievers” (Americans with a score of 785 or above) possess an average of 7 credit cards, based on a 2012 report. What’s best for you? It depends on your rewards needs and how many you can manage at once. You don’t want so many that you forget a bill, for example. Yet, you want to maximize rewards by having cashback or travel cards that you will actually use, potentially saving hundreds, even thousands of dollars a year.
|Best Card Use||Card||Why We Like It||Annual Fee|
|Travel Rewards||Capital One® Venture® Rewards Card||Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.||Introductory Annual Fee of $0 the first year, then $95|
|Overall Rewards||Chase Sapphire Preferred® Card||Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.||Introductory Annual Fee of $0 the first year, then $95|
|Flat-rate Rewards||Chase Freedom Unlimited®||Earn unlimited 1.5% cash back on every purchase.||$0|
|Everyday Spending||Bank of America® Cash Rewards Credit Card||Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.||$0|
|No Annual Fee||Blue Cash Everyday® Card from American Express||Earn 3% cash back at U.S. supermarkets up to $6,000 per year, 2% cash back at U.S. gas stations and departments stores, unlimited 1% cash back on all other purchases.||$0|
|Balance Transfers||HSBC Gold Mastercard® Credit Card||0% Intro APR on purchases and balance transfers for the first 18 months from account opening.||$0|
|0% Intro APR||The Amex EveryDay® Credit Card from American Express||0% Intro APR for 15 months on purchases and balance transfers; $0 balance transfer fee (balance transfers must be requested within 60 days from account opening).||$0|
|Sign-up Bonus||The Platinum Card® from American Express||Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.||$550|
|Low Interest||Capital One® Quicksilver® Cash Rewards Credit Card||Earn unlimited 1.5% cash back on every purchase, every day.||$0|
|No Foreign Transaction Fee||Capital One® VentureOne® Rewards Card||Earn unlimited 1.25 miles per dollar on every purchase and pay no annual fee.||$0|
|Airline Miles||Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®||Earn 30,000 Bonus Miles after spending $1,000 in purchases in your first 3 months.||Introductory Annual Fee of $0 the first year, then $95|
|Business||The Business Gold Rewards Card from American Express OPEN||Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.||Introductory Annual Fee of $0 the first year, then $175|
|Fair Credit Applicants||Chase Slate®||0% Introductory APR for 15 months on purchases and balance transfers, $0 balance transfer fee for transfers made in the first 60 days of account opening.||$0|
|Unsecured Credit Card for Bad Credit Applicants||Credit One Bank® Unsecured Visa®||Requires no deposit and can help build your credit.||$0 - $99|
|Student Applicants||Discover it® chrome for Students||Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.||$0|
Check out our credit card reviews where we break down specific benefits and rewards value for individual cards.