How we rate our cards Advertiser Disclosure

Credit Cards

Compare top offers by category. Read our expert reviews and recommendations. Feel confident when you apply.

Explore more

Rewards Business Travel Student No annual fee

Bankrate's promoted cards from our partners

Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site. Terms Apply.

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Apply now

on Chase's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.9

Rewards Rate:

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Welcome Offer:

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Regular APR:

19.49% - 27.74% Variable

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
This card’s points are worth more when you redeem for travel through Chase Travel℠ and you can transfer rewards to a long list of popular airline and hotel transfer partners, making it a great pick if you’re looking for an ultra-flexible, low-cost travel card.

Read our full Chase Sapphire Preferred review.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC

See Rates & Fees

Best for sign-up bonus

Capital One Venture Rewards Credit Card

Apply now

on Capital One's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

5.0

Rewards Rate:

Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, every day.

Welcome Offer:

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening

Regular APR:

19.99% - 28.99% (Variable)

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
“This card consistently delivers enough points for an award flight or two each year just from non-bonus purchases. It’s among the best entry-level cards for most folks.” – Harlan Vaughn, Bankrate credit cards senior editor

Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card

Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase Sapphire Preferred points are worth around 2.0 cents on average through the right transfer partner (based on Bankrate's estimated valuations) and offer more unique transfer partners than Capital One.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs

See Rates & Fees

Best for large welcome offer

Ink Business Unlimited® Credit Card

Apply now

on Chase's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.2

Rewards Rate:

Earn unlimited 1.5% cash back on every purchase made for your business.

Welcome Offer:

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Regular APR:

16.99% - 24.99% Variable

Purchase Intro APR:

0% Intro APR on Purchases for 12 Months

Balance Transfer Intro APR:

N/A

Annual Fee:

$0
This is one of the most flexible cards for startups, side hustles and small businesses thanks to its unlimited flat rewards rate, which makes it easy to earn rewards even if your spending categories vary widely. Ultimate Rewards points also carry terrific redemption value for both cash back and travel.

Read our full Ink Business Unlmited review.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC

See Rates & Fees

Limited spots available

Help us shape the future of personal finance

We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.

Priority rate alerts

Exclusive member offers

Time saving

Email address

Please provide a valid email address

Limited spots remaining

Tools & Reviews

5.0

Bankrate Score

Read review

4.7

Bankrate Score

Read review

All credit card reviews

Credit cards compare tool

Credit card payoff calculator

Balance transfer calculator

Credit utilization calculator

We asked the Bankrate experts: What is your favorite piece of credit card advice?

Seychelle Thomas

Writer, Credit Cards

Katie Kelton

Senior Writer, Credit Cards

Ana Staples

Lead Writer, Credit Cards

Ted Rossman

Senior Industry Analyst, Credit Cards

"I know it’s a hassle, but reading the fine print is underrated. Know what fees, APRs and benefits you’re signing up for. You might uncover extra value from features that aren’t advertised or discover some nasty fees to avoid. When you know what the terms are, it’s easier to get the most from your cards and avoid pitfalls."

"Credit card rewards, welcome bonuses and added perks — like travel insurance or savings on certain brands — are essentially free money. By swiping a card for everyday purchases, you can earn rewards toward your next trip or cash in your wallet. Pay your balance on time and in full to avoid interest fees and credit dings."

"I think the best habit is to treat your credit card like a debit card. Don’t spend more money than you can easily pull from your checking account. If you can’t pay off a purchase within a couple of weeks, you can’t afford it. This practice can help you avoid credit card debt — and expensive interest charges."

"There’s a saying that credit cards are like power tools. As in, really useful or dangerous. It’s all about how you use them. Half of cardholders pay in full every month and benefit from rewards and buyer protections. The other half can get trapped in an expensive debt cycle. Pay in full and get credit cards working for you."

Featured by names you know and trust

The latest

Credit cards lay with a 2026 calendar on a yellow background

This year was one of soaring annual fees and courting the deep-pocketed credit card user. Check out Bankrate’s predictions for 2026.

Woman sitting on floor at home shopping online with smartphone while making mobile payment with credit card on hand

Find out which cash back card will help you to earn more rewards.

Design element of a person holding several credit cards in each hand.

Are you more interested in a rewards program or a longer intro APR offer?

Design element including a car with a large credit card leaning next to it.

The GM Rewards Mastercard is a surprising contender for best cash back credit card, assuming you own a GM vehicle (or are open to buying one in the future).

Contemplative woman with with headphones around neck holding credit card and smart phone - stock photo

Thinking of adding a 1.5% cash back card to your wallet? Here’s how to choose.

Young woman sits at a cafe smiling with credit card and smartphone in hand

Learn how these two Bank of America cash back credit cards compare.

Happy women on beach holiday shopping online

These travel cards come with a 0 percent intro APR.

Many travel credit cards reward train travel, including Amtrak credit cards.

These travel cards come with a 0 percent intro APR.

East Asian millennial woman investing in finances and technologies

A new credit card, timed right and used strategically, can help you fight high prices.

There are several benefits to upgrading your card with your current issuer.

Design element of credit card with 0% tag

Here’s how to maximize the benefits of a 0% intro APR credit card.

A mid adult couple viewing a home furniture showroom together, one man is lying on a bed while his fiancé sits near him on the bed. They are testing out the bed and considering buying it.

Deferred interest deals can be enticing but you could pay more than you expected.

woman laying on couch while working on laptop and holding credit card

Learn more about why you may end up paying interest on a zero percent APR card.

Shot of a young businesswoman using a laptop during a late night at work

A higher interest rate will kick in once your promotional APR ends.

The Citi Diamond Preferred has one of the longest intro APR offers on the market.

Businessman shopping online with credit card

They’re rare, but here are the best balance transfer business cards.

Young man having more expenses than expected.

Here’s what you need to do if your credit card APR increases.

design image of a woman smiling at her phone and holding a credit card with money in the air

Here’s how to do a balance transfer, which could help you pay off debt faster.

Design element of a person holding a phone in one hand and a credit card in another

What is a balance transfer — and is it a good idea for debt?

Learn more about why you may end up paying interest on a zero percent APR card.

close up of hands making contactless payment using phone

Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.

Senior couple sitting at a dining table, using a laptop computer, paperwork and bills on the table

You can transfer a variety of debt to cards, but not all cards accept all transfers.

woman looking at credit card and typing on computer

Is the Discover it Cash Back or Citi Diamond Preferred best for balance transfers?

Young man at outdoor cafe smiles as he holds his tablet and credit card

Make the most of your cash back bonus categories this quarter.

Happy businesswoman with fuel pump at gas station

Make the most of your rotating Discover cash back rewards each quarter.

Smiling man holds tablet and credit card.

If you were counting on Freedom Flex Q4 categories to reward your holiday shopping, you might be disappointed this year.

Young woman sitting at bench in park and using credit card for online shopping

We compare the Discover it Student Chrome and the Chase Freedom Rise cards.

Cards that require an annual fee typically offer good rewards, but are they worth it?

A statement credit, which is a card benefit, can help bring down your card balance.

Portrait of a happy young woman using credit a card for online shopping at home

A 2 percent cash back card can be a strong addition to your wallet.

Adult man paying with credit card at cafe, close-up of hands with credit card and credit card reader

Learn what benefits the Discover it Chrome offers and how to maximize the card

A man buying fresh vegetables while shopping at a supermarket.

Read our picks for best credit cards for wholesale clubs.

woman holding a credit card and phone in her hands while sitting down with coffee and a glass of water in front of her

Which card is better — the Amex Platinum or Amex Business Platinum?

Young woman is buying online and paying with her credit card. She is sitting at the café, and enjoying her day alone. Because it is COVID-19 epidemic, she decided to sit alone. On table is protective face mask and knit hat she wore when she walked out of house.

Looking for your next jack-of-all-trades card to add to your portfolio? Consider either the Citi Rewards+ Card or Citi Strata Premier Card.

Woman Shopping for Sofas in Modern Furniture Store Interior

Use a credit card with a low APR or a generous rewards system for large purchases.

Friend eating at outdoor restaurant in Italy

The American Express Platinum comes with a hefty $695 annual fee.

Credit card combos can be powerful rewards earners. Here’s are some of the best ones.

Senior man wearing headphones and using a laptop reclines in armchair as he streams a movie at home

Get cash back or points for streaming services with one of these rewards cards.

military father hugging his daughter when arriving home

Get all the generous benefits this card offers for an annual fee of $0.

Credit Cards

Card Type

Card Issuer

Credit Type

Bankrate's promoted cards from our partners

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Features

Bankrate's View

Card Details

Best for sign-up bonus

Capital One Venture Rewards Credit Card

Features

Bankrate's View

Card Details

Best for large welcome offer

Ink Business Unlimited® Credit Card

Features

Bankrate's View

Card Details

Help us shape the future of personal finance

Tools & Reviews

We asked the Bankrate experts: What is your favorite piece of credit card advice?

The latest