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: January 16, 2018
Balance transfer. Cash back. Travel. Business. With dozens of categories and hundreds of cards to choose from, your credit card options can seem endless.
But which is the best? It actually depends on what you want out of your card. Here, we walk you through the best travel cards, depending on your goals, as well as other data points you’ll need to know:
Here’s what you need to know:
|If flat rate, good for general spending||If flat rate, good for general spending|
|If by category, good for maxing out specific spending||Good for travel and restaurant spending|
|If no annual fee, ideal for moderate spending||Ideal for aggressive spending|
|Best if paid off each month||Best if paid off each month|
|Cash Back Cards||Travel Cards|
|Rewards through statement credit||Might reward through travel portal|
|Many have no annual fee||Often with annual fee that can be waived|
|May have cash sign-up bonus||Often has points or miles sign-up bonus|
|Can have high quarterly categories||May have permanent, rich categories|
|Might have flat cashback rate||Might have flat points or miles rate|
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|
|Flat-Rate Rewards||Chase Freedom Unlimited®||Earn unlimited 1.5% cash back on every purchase.||$0|
|Everyday Spending||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|
|No Annual Fee||Capital One® VentureOne® Rewards Card||Earn unlimited 1.25 miles per dollar on every purchase and pay no annual fee.||$0|
|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|
|0% Intro APR on New Purchases||Chase Freedom®||0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 16.24% - 24.99%* based on your creditworthiness.||$0|
|Low Interest||Discover it® Cashback Match™||Discover will match all the cash back earned at the end of your first year, automatically.||$0|
|Business||Capital One® Spark® Cash for Business||Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business.||Introductory Annual Fee of $0 the first year, then $95|
|Limited Time Signup Bonus||Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®||For a limited time, earn 60,000 bonus miles after $3,000 in purchases within the first 3 months of account opening.||$95, waived for the first year|
|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®||Get 3x points in the category of your choice, plus a welcome offer of 50,000 Membership Rewards® points after you spend $5,000 in the first 3 months after account opening.||$0 - $99|
|Secured Card for Bad Credit Applicants||Discover it® Secured Card||No annual fee and it helps you build your credit responsibly.||$0|
|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.