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 analyzed 3,476 credit cards and compiled the 15 best 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: April 24, 2018
The card you choose for your financial life is as individual as the clothes you wear or the car you drive. You might be on the hunt for the perfect balance transfer card. Or you could have your eye on the right travel card for you. Whatever the reason, the best card for you awaits. At CreditCards.com, we researched and evaluated hundreds of offers to help you find the best credit cards across several different categories. Along with our picks for the best cards, we go over a few things to know about the world of credit cards. Here, we look at:
Whether you aren't sure how many cards you should own or you want to understand what factors to consider when choosing the best credit card, we can help.
|Credit Card||Best For:||CreditCards.com Rating||Annual Fee|
|Capital One® Venture® Rewards Credit Card||Travel Rewards||4.4 / 5||$95 waived first year|
|Chase Sapphire Preferred® Card||Overall Rewards||4.2 / 5||$95 waived first year|
|Blue Cash Everyday® Card from American Express||Everyday Spending||3.3 / 5||$0|
|Capital One® Quicksilver® Cash Rewards Credit Card||Flat-rate Rewards||3.5 / 5||$0|
|Chase Freedom®||No Annual Fee||3.4 / 5||$0|
|The Amex EveryDay® Credit Card from American Express||Balance Transfers||3.7 / 5||$0|
|Chase Freedom Unlimited®||0% Intro APR||3.4 / 5||$0|
|Chase Sapphire Reserve® Card||Sign-up Bonus||4.8 / 5||$450|
|Discover it® Cashback Match™||Low Interest||3.9 / 5||$0|
|Capital One® VentureOne® Rewards Credit Card||No Foreign Transaction Fee||3.6 / 5||$0|
|Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®||Airline Miles||4.3 / 5||$95 waived first year|
|Ink Business CashSM Credit Card||Business||3.4 / 5||$0|
|Capital One® Platinum Credit Card||Fair Credit Applicants||N/A||$0|
|Credit One Bank® Unsecured Visa®||Bad Credit Applicants||N/A||$0-$99|
|Journey® Student Rewards from Capital One®||Student Applicants||2.2 / 5||$0|
Capital One® Venture® Rewards Card
Straightforward rewards aimed at frequent travelers. With a generous sign-up bonus of 50,000 miles and a high rewards rate of two miles per dollar of spending, the Venture Card is a wise choice for simple travel rewards.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred offers a great sign-up bonus of 50,000 points and lets you combine points with those earned on other Chase cards. Experienced rewards-card users can find a ton of rewards in this card.
Blue Cash Everyday® Card from American Express
A great cash back card for spending on gas and groceries. With no annual fee and an attractive 3% cash back rate on groceries and 2% on gas, the Blue Cash Everyday Card is an excellent choice for families and single spenders alike.
Capital One® Quicksilver® Cash Rewards Credit Card
The Quicksilver card offers a flat 1.5% cash back reward on all purchases and ranks among the best rewards cards in terms of fees. Transfer fees are low, there’s no annual fee, and you’ll pay no foreign transaction fee.
The Chase Freedom card gives 5% cash back on rotating quarterly categories and 1% on everything else. Use this card in conjunction with other Chase cards (like the Sapphire Preferred) to maintain an impressive overall rewards program.
The Amex EveryDay® Credit Card from American Express
A flexible card that offers a wide variety of rewards—cash, travel, retail—and double points on purchases at grocery stores. If you want to rack up multi-use reward points through everyday spending, take a look at the Amex EveryDay card.
Chase Freedom Unlimited®
Love the benefits of the Freedom card but want consistent cash back on every purchase instead of rotating categories? Consider the Freedom Unlimited for 1.5% cash back on every purchase and complement with the Chase Sapphire Preferred for a robust rewards program.
Chase Sapphire Reserve
A high-rewards travel card for those looking to spend more and earn more. An annual $300 travel credit, 3x points on travel, and 50,000 point-sign-up bonus make the Sapphire Reserve a stellar travel companion.
Discover it® Cashback Match
Cash rewards that never expire and are matched in full at the end of the first year. Savvy rewards card users can use the Discover it Cashback Match card to earn cash back on rotating quarterly categories.
Capital One® VentureOne® Rewards Credit Card
A solid choice for travel rewards that doesn’t carry blackout dates or an annual fee. Simplify your rewards calendar by collecting 1.25 miles on every purchase made on the Capital One VentureOne card.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The travel card that reaps rewards for American Airlines travelers—including an annual bonus of 10% of redeemed yearly miles, 50k sign-up bonus miles, and quarterly 7,500-mile discounts on select destinations.
Chase Ink Business Cash Credit Card
For no annual fee, the Chase Ink Business Cash card offers substantial cash rewards, including 5% back on major expenses like internet, cable, phone, and office supplies. Consider the Ink Business Cash card to offset some of the overhead at your small business.
Capital One® Platinum Credit Card
Strengthen your credit while maintaining flexibility. With the Capital One Platinum card, you have the ability to choose the monthly due date that works for you. After five months of on-time payments, your credit line will increase.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Earn 1% cash back on everyday purchases like gas, groceries, and phone bills while building your credit score. Credit One Bank will revisit your eligibility for a credit line increase every month. You’ll also have the ability to track your credit online for free.
Journey® Student Rewards from Capital One®
A student credit card designed to teach good spending habits and reward students with bonus points for on-time payments. You’ll also accumulate 1 point for every dollar on everyday purchases, redeemable for cash back.
Credit cards analyzed: 3,476
Banks analyzed: 600
Common benefits (and number of cards we analyzed): Auto rental insurance (3,380), extended warranty program (1,995), travel accident insurance (1,445), purchase protection (1,353), price protection (903), lost luggage reimbursement (868), concierge service (852), roadside assistance (776), free credit score (579)
See other benefits below
Criteria used: Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application, ability to improve credit line
Out of the 3,476 cards we analyzed to get to the top 15, here's how it broke down by category (certain credit cards overlap across several categories).
|Type||Number of Credit Cards|
|No annual fee||2,744|
|0% introductory APR||1,002|
|No foreign transaction fee||938|
|No credit history||264|
When you are ready for a new credit card, you'll first want to identify which type is right for you. With the right card, you can earn hundreds of dollars a year, build your credit or enjoy special travel benefits. Here are 8 questions to ask yourself in your endeavor to choose the best card.
Want to build credit? Most credit cards, including cards for authorized users, allow you to build credit. But check with the card issuer to make sure they'll report your credit habits to the 3 major credit bureaus.
Paying a lot of interest fees? A balance transfer card helps take away the sharp edges of credit card debt, although you still need to pay off the balance before the 0% intro APR offer ends.
Credit not its best? Cards for consumers with bad or thin credit can help with this.
Willing to strategize your spending? A couple of cards offer quarterly categories of 5% cash back – such categories as home improvement stores, wholesale clubs and Amazon.com. Load up on spending each quarter for rotating categories.
Specific categories you often use? Some cards, such as the Amex Blue Cash cards, offer improved rewards year-round on such categories as gas and groceries.
Want to use it and forget it? For those of us who don't want to think about our shopping rewards, some travel and cashback cards reward at a flat rate for all spending.
Travel your thing? If you plan to travel often (or even occasionally), some cards reward for worldwide travel and restaurants, such as the Chase Sapphire cards. Flat rate travel cards are also available.
Have a favorite brand? Express yourself with a card that delivers miles for using your hotel or airline brand of choice.
Your credit score is basically your financial report card. It's used by lenders to assess your creditworthiness to decide what lending products to grant you and the terms of those products. For example, if you have a FICO score of at least 740 on a scale of 300-850, you have a greater chance of getting the best interest rates on a car loan.
Here's how it works:
On-time payments, or payment history, figure heavily into the dominant scoring model, FICO, making up 35% of the score's criteria pie. Payment history is extremely influential in the VantageScore model.
How much you owe compared to how much credit you have available makes up 30% of the FICO pie. It's highly influential in the VantageScore, while available credit is less influential. Total balances or debt are considered moderately influential.
How long you have been building credit is a consideration to a lesser degree, making up 15% of the FICO scoring model. Age of accounts is highly influential with VantageScore.
This metric makes up 10% of your FICO score, which means you'll want to avoid opening new accounts unnecessarily. VantageScore ranks this as less influential.
Ten percent of your FICO score, you are encouraged to have a mix of credit types such as revolving (typically credit cards) and installment (such as mortgages and car loans). Credit mix is highly influential in VantageScore.
|FICO Category||FICO Range||VantageScore Category||VantageScore Range|
Credit cards offer a host of benefits, ranging from lost luggage reimbursement to access to the card issuer's travel portal, complete with boosted points.
Whether you are on the road or traveling by plane, travel cards can provide unexpected benefits worthy of your attention. The result? Hassle-free travel and even saved dollars with such benefits as Chase Sapphire Reserve's $300 annual travel credit. Here are 8 top travel benefits:
Products such as travel cards, general-purpose rewards cards and cashback cards can provide superior savings with outstanding sign-up bonuses on most rewards cards, free breakfast at select hotel brands such as Hilton Honors, and even access to special events through such programs as Mastercard's World Elite program.
Cards on the market today have a multitude of features and advantages, from no foreign transaction fee to U.S.-based customer service. Look carefully at what the cards you are eyeing have to offer, because the possibilities may surprise you.
We asked cardholders what they love most about their favorite credit cards and why they chose them. Overwhelmingly, rewards ruled. In the poll, conducted by Princeton Survey Research Associates Jan. 19-22, 2017, 1,003 consumers were polled, with a subset of 670 cardholders.
How you use your card depends on the type of card you go with. For example, you'll want to use a secured card primarily for building credit, while a travel card is great for earning miles. Here are 8 types of cards and how best to use them.
Rather than using this card for convenience, focus on building your credit. Just make sure the card issuer will report your good credit habits to the 3 major credit bureaus.
This is a good card to practice on. Take advantage of the rewards, but pay in full at the end of each payment period.
An excellent option for building credit while earning rewards. Make sure you pay on time and in full each month.
Check out whether there is a balance transfer fee (some BT cards don't have one) and make sure you choose a card with terms you can live up to.
Look at whether the card has an annual fee and if the categories are ones you'll actually use.
Study the sign-up bonus and make sure you can spend (and pay back) the minimum limit within the required timeframe. Also, see if the rewards are ones you will actually use and enjoy.
This type of card can have nice travel rewards, although the annual fee can be steep. Check out the benefits, such as priority boarding and preferred seating, to see if they are experiences you will use.
A great card for the traveler who doesn't love it. Superior benefits can include room upgrades, access to airport lounges, high-end gifts and 24/7 concierge service. The annual fee will likely be pricey.
If you look at the best credit cards on the market, you will be sure to find many rewards cards among them. There are several different ways to take advantage of these credit cards to maximize your earnings; below are some of the most popular categories and our research on the best credit cards in each one.
No matter how rewarding your card, it's crucial that you understand the rates and fees you could face depending on how you treat the card and how the card treats you. Don't let an annual fee sneak up on you or allow a late payment to slam you with a late fee. Here are 13 of the most common rates and fees.
Some rates or fees can be waived or lowered by simply picking up the phone and calling. In fact, we found that of those who asked, up to 89% of people asking for a credit limit increase got what they wanted. Our poll, conducted by Princeton Survey Research Associates, found that just asking can be rewarding:
|Rate or Fee||Requested the Waiver||Granted to Those Who Asked|
Some fees, such as late fees, should be avoided at all costs. But others may be worth your while, depending on the type.
For example, a card with an annual fee will frequently have more robust rewards, and the annual fee may be waived the first year:
|Card||Sign-up Bonus||Ongoing Rewards||Annual Fee||End of First Year Total|
|Capital One Venture Rewards||50,000 miles/$3,000 spend in 3 mths||2X miles x $1,000/mth=24,000||$95 waived first yr||$500+$240=$740|
|Capital One VentureOne Rewards||20,000 miles/$1,000 spend in 3 mths||1.25X miles x $1,000/mth=15,000||$0||$200+$150=$350|
In the same way, the advantages of a balance transfer card may outweigh the expense of a balance transfer fee. For example, you might want to look at the intro period's length or whether there is an intro period for purchases:
|Card||BT Fee||0% Intro APR Period||Monthly Payment|
|Chase Slate||$0/first 60 days||15 months||$1,500/15 mths=$100/mth|
|Citi Double Cash||$5 or 3% ($45 for $1,500)||18 months||$1,500/18 mths=$83.33/mth|
So you can see that even though you pay a $45 balance transfer fee with the Citi Double Cash, your monthly, interest-free payment for the limited-time offer is $83 compared to $100 for the Chase Slate. This makes it worth your while if you need more time to pay off your balance transfer.
FICO discovered a bit of a surprise in 2012 when it looked at what it calls "high achievers," or consumers with a score of greater than 785 out of a possible 850. These consumers:
What does this mean? Simply that it isn't that the most successful consumers are debt-free, but that they are responsible with their debt. Also, fewer accounts aren't necessarily better; rather it's how you handle the account that matters.
You can have one card, and it's too many, or 5 and it's just enough. It all has to do with how you manage your cards and what you are using them for.
|BankAmericard Rewards||Oldest account||Build credit|
|Gold Delta Skymiles from American Express||2X miles on eligible Delta purchases||Earn Delta Skymiles|
|Capital One Platinum||Free authorized users||Let authorized users build credit|
As you can see, each card has a purpose. But how do you keep up with payments and annual fees when you have this many cards?
Here's an example of a spreadsheet you can create to keep track of your credit card accounts. Below that, we've listed some tips to get you started with managing multiple credit cards.
|Card||Amount Owed||Due Date||When Paid|
|BankAmericard Rewards||$500||Due 4/1/18||Pd in full 3/10/18|
|Gold Delta Skymiles from American Express||$25 min. due/$225 balance||Due 4/1/18||Need to pay|
|Capital One Platinum||$0||Due date 4/2/18||$0 owed|
To recap our top picks...