Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.
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 (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating.
That’s why Bankrate’s experts rated and reviewed over 250 cards of the top card offers on the market to create our list of the best credit cards of 2024. We’ve evaluated each card based on its rewards value, rates and fees, welcome offers, customer experience, cardholder perks and more to give you a clear sense of where it shines and where it may fall short. In addition to Bankrate’s review scores, check out our deep dive into each card to see if it’s a good fit for your wallet (and pick up pro tips for maximizing its value).
So whether you’re looking for a rewards powerhouse, a money-saving 0-percent intro APR or a reliable way to build credit, one of these cards from our partners should be a great fit.
Show less
Read more
We helped over 700,000 users compare cards in 2023
We rated and compared over 250 cards
Over 47 years of experience helping people make smart financial decisions
Why choose Bankrate
We helped over 700,000 users compare cards in 2023
We rated and compared over 250 cards
Over 47 years of experience helping people make smart financial decisions
The Bankrate Promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards .
In determining which cards were worthy of “Best Overall” distinction on marketplace pages, our editorial team reviewed the cards currently available on each page and narrowed the list of candidates to only those cards that either:
A) had received a minimum 4.0-star overall rating in their primary scoring category based on our proprietary card rating methodology, or
B) were currently the highest-rated card on the page.
We then surveyed an internal panel of expert credit card writers and editors as to which card from the candidate list was most deserving of a “Best Overall” distinction. The winner was selected based on popular vote.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
2%
Rewards rate
Earn unlimited 2% cash rewards on purchases
Annual fee
Regular APR
2%
Earn unlimited 2% cash rewards on purchases
Why it’s the best overall: "This card has been a vital part of my credit card journey. It not only offers generous cash rewards on purchases, but also fits seamlessly with my financial goals thanks to its user-friendly features and transparent terms. It’s an indispensable tool in my credit card arsenal.” — Re’Dreyona Walker, Editor, Credit Cards
What we love: Not only is this card’s flat rewards rate a step up from many competitors’, but it’s also one of the only 2 percent cash rewards cards to include a welcome offer and an intro APR offer on both purchases and qualifying balance transfers.
Paying your cellphone bill each month with this card gets you cellphone protection against damage or theft (limit of two up to $600 claims per year, subject to a $25 deductible) — a handy but relatively uncommon perk that will be useful to many cardholders.
You have a number of flexible redemption options, and there’s no minimum to start redeeming cash rewards.
Cons
Your reward redemption options are limited to cash rewards; you can’t transfer rewards to travel partners.
There is a 3 percent foreign transaction fee, which will be disappointing to people who enjoy traveling abroad.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
1% - 3%
Rewards rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.
Annual fee
Regular APR
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
The Blue Cash Everyday card is a great no-annual-fee cash back card to use on U.S. supermarkets, U.S. gas stations and U.S. online retailers since it earns a fantastic rate in those categories. Households of almost any size and shoppers can benefit from this card if they spend less than the cash rewards’ yearly cap.
It has no annual fee, making it a low-cost card to use for getting rewards on everyday spending.
Its intro APR is competitive and includes both purchases and balance transfers, which gives new cardholders breathing room with interest charges.
Cons
Wholesale clubs and stores like Target and Walmart don’t count in the U.S. supermarkets category.
You’ll only earn 3 percent cash back on up to $6,000 of annual spending before the rate drops to 1 percent.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Balance transfer intro APR
Regular APR
N/A
Rewards rate
Rewards rate is not available for this credit card.
Annual fee
While it doesn't have a rewards program, the card's outstanding intro APR offer makes it a first-class option for temporarily avoiding interest on a transferred balance. Consider this card if you want to stay focused on paying debt and fear rewards will entice you to overspend.
The promotional APR period for balance transfers is one of the longest currently on the market.
You get access to a number of popular Citi programs, including Citi Flex Loan, Citi Entertainment and Citi Easy Deals.
Cons
The lack of rewards does eat into the card’s long-term value.
Its 0 percent intro APR offer on purchases only lasts 12 months (18.24 percent to 28.99 percent variable APR after that). Several competing balance transfer cards offer an intro APR period of 18 months or more on purchases.
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
0% intro APR for 21 months from account opening
Purchase intro APR
Regular APR
N/A
Intro offer
Intro offer is not available for this Wells Fargo credit card.
N/A
Rewards rate
Rewards rate is not available for this credit card.
Annual fee
N/A
This card offers one of the longest intro APR offers on the market, so it should be a terrific fit if you're looking to get as much breathing room as possible while you chip away at high-interest debt or pay off new purchases.
Unlike some competitors, this card offers the same length of intro APR period on both purchases and qualifying balance transfers.
The card comes with cell phone protection against damage or theft (up to $600, subject to a $25 deductible, when you pay your monthly phone bill with the card.)
Cons
The card's balance transfer fee is relatively high. A lower-fee card could save you more overall, even if it carries a shorter intro APR period.
There’s no rewards program, so the card has limited long-term value.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
$0 Annual Fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
0% intro on purchases for 15 months
Purchase intro APR
Regular APR
Intro offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
1.25 Miles - 5 Miles
Rewards rate
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day
Annual fee
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles
1.25 Miles per dollar on every purchase, every day
The Capital One VentureOne Rewards Card is a great starter card for budding travelers, as it has no annual fee, a simple rewards structure and standard travel and purchase protections for whenever you’re on the go.
Pros
Its welcome bonus has an easy-to-reach spending requirement, which would boost reward earning tremendously in the first year.
Unlike many travel rewards cards, it comes with solid intro APR offers.
Cons
You are required to have good to excellent credit, which narrows the pool of eligible applicants.
Its travel incentives aren't very noteworthy when compared to other top-tier travel rewards cards.
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
0% Intro APR on Purchases for 15 months
Purchase intro APR
Regular APR
Intro offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
1.5% - 5%
Rewards rate
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases
Annual fee
5%
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3%
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5%
1.5% on all other purchases
If you’re looking for a card that will earn its keep long after you finish financing new purchases or paying off debt, this is one of the best options out there thanks to its generous base and bonus rewards rates, pairing potential and impressive redemption flexibility.
You can redeem rewards for travel, cash back and more at the same 1-cent-per-point value, giving this card terrific flexibility.
It could offer much better long-term value than the typical no-annual fee rewards card, especially for frequent travelers: Points are worth 25 to 50 percent more when you pair the Freedom Unlimited with a premium Chase travel or business card.
Cons
A few other cards offer a higher flat cash back rate (2 percent or more back on all purchases), so they could prove more lucrative if you don’t spend much on travel or dining.
Instead of offering a lump sum of rewards when you meet a spending threshold, this card’s welcome bonus gives you extra cash back on top of your regular rate. While that could prove very lucrative in the end, maximizing it could require a ton of spending.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
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.
Annual fee
Regular APR
5x
5x on travel purchased through Chase Travel℠.
3x
3x on dining, select streaming services and online groceries.
2x
2x on all other travel purchases.
1x
1x on all other purchases.
What we love: Despite its low annual fee, it boasts impressive travel protections and rewards rates on both travel and everyday purchases, making it a great starter card for frequent travelers. It also stands out for its high-value points and transfer partners, which offer terrific short- and long-term value, especially if you pair it with other Chase cards.
Alternative: The Citi Premier® Card could be another worthwhile option if you want to earn rewards in more everyday bonus categories (like gas). A flat-rate rewards card like the Capital One Venture Rewards Credit Card could also make it easier to earn miles on purchases that fall outside of typical travel card bonus categories.
Pros
Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.
Ultimate Rewards points are some of the most valuable rewards out there: You can redeem for cash back at a value of 1 cent per point, transfer to an airline or hotel partner or book with Chase to get a 25-percent boost to your point value.
Cons
Doesn’t carry flight-focused travel perks like airport lounge access or free checked bags.
The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
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, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
1% - 8%
Rewards rate
8% Cash Back on Capital One Entertainment purchases 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Cash Back on all other purchases
Annual fee
Regular APR
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
This no-annual-fee version of one of Capital One’s best cards offers a still-competitive unlimited 3 percent cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
It’s a terrific standalone rewards card since it offers some of the best spending category coverage, unlimited rewards potential, intro APR and welcome bonus value available on one card.
The card touts a newbie-friendly structure, charging no annual fee or foreign transaction fees and offering automatic cash back redemption.
Cons
While it rewards several popular spending categories, it’s also missing a handful that may make rival cards more rewarding based on your budget, including gas, travel and transit.
Beware of redeeming cash rewards on Amazon.com, as there is a list of restricted items you can’t use rewards on.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
1.5% - 5%
Rewards rate
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 1.5% cash back on every purchase, every day
Annual fee
Regular APR
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
The Capital One Quicksilver Card is one of the most straightforward cash back rewards cards on the market, offering at least 1.5 percent on every purchase with no rotating bonus categories or complex rewards program to keep up with. Consider this card if you’re learning the ropes and want a set-it-and-forget-it cash back rewards credit card.
This card charges no annual fee and no foreign transaction fees.
Features an automatic cash back redemption option, making it one of the simplest rewards card experiences available.
Cons
Its benefits list is a bit bare compared to a few of its rival cards.
There are other cards on the market that offer a higher unlimited cash back rate.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases
Annual fee
Regular APR
3X
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
1X
Earn 1X points on other purchases
This card not only carries one of the best ongoing rewards rates out there on everyday travel purchases, including at gas stations and on transit, but also covers a range of other popular categories like restaurants, airfare and hotels. It’s tough to earn bonus points in that many categories with a single card, making this a great choice as a standalone rewards card.
Offers terrific category variety for a no-annual-fee rewards card, earning unlimited rewards in several of the most popular everyday spending categories.
You can redeem rewards for statement credits or travel without sacrificing point value (many travel-centric cards offer lower point redemption value if you opt for cash back).
Cons
Its welcome bonus is higher than most no-annual-fee card bonuses, but requires heavy spending (three times the amount required by many competing cards).
You can’t transfer rewards to airline or hotel loyalty programs and your points are only worth 1 cent apiece — a lower point value than many competing travel rewards programs offer.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day
Annual fee
Regular APR
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
If you’re a frequent traveler wanting to strike the balance between top notch rewards, the most useful benefits and affordability, you may find your match with the Capital One Venture X. The annual statement credits significantly offset the annual fee and boosted flat-rate reward offerings let you earn big in various spending categories.
It offers practical, high-value perks for a reasonable annual fee. Competing cards can charge $500 or more in annual fees, and though they tend to carry more benefits, these perks are often tailored to a niche audience and won’t offer much value to the average traveler.
Its platter of annual perks, including its travel credits and account anniversary bonus miles, can help you cover the $395 annual fee with little effort.
Cons
The barrier of entry to qualify for this card is high, as you must have excellent credit.
You must book through Capital One Travel to earn rewards in key travel categories.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day
Annual fee
Regular APR
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
This card offers frequent travelers a ton of flexibility. Along with earning rewards at a terrific flat rate on general purchases, it lets you redeem miles to cover outside travel purchases made in the last 90 days or transfer miles to an array of hotel and airline partners, potentially at a higher redemption value. Read our full Capital One Venture review.
Pros
The card comes with an up to $100 credit for the Global Entry or TSA PreCheck application fee.
Its flat-rate rewards and flexible travel redemption options help users get more mileage from their spending and exclusive portal features like AI-powered price tracking and price protection can help you save on bookings.
Cons
The $95 annual fee (not waived the first year) might be a bit too expensive for non-frequent flyers, especially since Capital One miles are worth less when redeemed for cash back.
Capital One lacks a major U.S. carrier as a travel partner.
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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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 $100 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
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Annual fee
Regular APR
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
It carries one of the best welcome offers out there for a business card with no annual fee, as well as rewards in several popular business spending categories like office supply stores and internet, cable and phone services. You’ll also get an intro APR offer on new purchases, giving you a chance to chip away at large expenses or free up cash flow in your first year.
The card’s sign-up bonus offer is one of the best available on a no-annual-fee business card, so it’s a good option if you have a large business expense on the horizon.
Its intro APR period is on the longer side for a business rewards card, so it could be a great fit if you want to finance business purchases in the short term without sacrificing long-term rewards value.
Cons
Though this card earns Ultimate Rewards points, you can’t transfer points to airline or hotel loyalty programs or get more than 1 cent per point in redemption value unless you pool points with one of the Chase Sapphire cards or the Ink Business Preferred® Credit Card.
Depending on how much you spend in this card’s bonus categories, you may earn more with a flat-rate rewards card, even if that means paying an annual fee.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
$1,200 cash back once you spend $30,000 in the first 3 months
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Annual fee
Regular APR
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
What we love: It earns a flat, unlimited 2 percent cash back rate on everyday purchases, plus a boosted rate on Capital One Travel purchases. And if you don’t like the $150 annual fee, Capital One will refund it as a statement credit every year you spend $150,000 with the card.
Alternatives: Small-business owners with more modest budgets may want a no-annual-fee business card with a decent cash back rate, like The American Express Blue Business Cash™ Card.
Pros
It’s a charge card, so business owners don’t have to worry about credit limits or interest costs.
The cash back rate can make it easy to offset the annual fee and rack up rewards.
Cons
The annual fee might be too high for businesses with modest budgets.
Capital One recommends excellent credit for applicants, which can put the card out of reach for some business owners.
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.
Annual fee
Regular APR
2X
Earn 2X points on Southwest® purchases.
2X
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
Southwest loyalists looking for their first airline card may find this card ticks most of the right boxes. It has a solid sign-up bonus and a decent mix of rewards categories that can help you earn points toward your next flight while paying for monthly expenses. Read our full Southwest Rapid Rewards Plus Credit Card review.
Pros
Its anniversary points bonus can help offset the annual fee.
Comes with basic perks like free checked bags and early check-ins.
Cons
It lacks the luxury perks you can find on other mid-tier airline rewards cards.
Its bonus categories aren’t the most popular or practical, so you may not earn a ton of miles on everyday spending.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
3,000 anniversary points each year.
Earn 2X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, and phone services; select streaming.
2 EarlyBird Check-In® each year.
Earn 1 point for every $1 spent on all other purchases.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. Earn unlimited 1 mile per $1 spent on all other purchases.
Annual fee
Regular APR
3 miles
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
2 miles
Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases.
1 mile
Earn unlimited 1 mile per $1 spent on all other purchases.
This card shines thanks to its companion fare perk, which lets you book an Alaska Airlines ticket for a travel companion at a steep discount after you spend $6,000 or more within the prior anniversary year. Most airline companion pass perks carry a much steeper spending requirement. Read our full Alaska Airlines Visa credit card review.
Pros
The welcome bonus is easily one of the most valuable available on a mid-tier airline card since it comes with both a companion pass and windfall of miles.
Earns points in some everyday categories like gas and cable.
Cons
Alaska Airlines has a limited route network, so it may only make sense for West Coast travelers.
The annual fee may be tough to cover for some occasional travelers.
Limited Time Online Offer – 70,000 Bonus Miles!
Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Get Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don't expire on active accounts.
Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card - Also available for authorized users when they book a reservation too!
With oneworld® Alliance member airlines and Alaska's Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
Plus, no foreign transaction fees and a low $95 annual fee.
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 4/17/24.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.
Annual fee
Regular APR
7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X
Earn 3X Points for all other eligible purchases on your Card.
This card is easy to keep in your wallet since it doesn’t have an annual fee but still earns rewards at a boosted rate in popular everyday spending categories. Plus, it comes with automatic Silver Elite status, fast-tracking your way to higher status tiers. Read our full Hilton Honors Amex card review.
Pros
It charges no annual fee, so it’s a good option if you only travel occasionally or are searching for your first hotel card.
It earns rewards in popular everyday categories, making it easy to rack up points.
Cons
It lacks many of the perks you can find on higher-tier hotel rewards cards, like free breakfast and room upgrades.
Other Hilton cards earn more on Hilton hotel bookings, which could make them more lucrative — even with annual fees.
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 4/17/24.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Annual fee
Regular APR
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
If you’re a frequent traveler looking for top-tier perks, this card may be worth the price of admission. It boasts an unrivaled set of cardmember benefits, including wide-reaching lounge access and credits for expedited security screening, airline incidentals, Uber, digital entertainment and much more.
Pros
As long as you take advantage of this card's valuable benefits, the perks outweigh the high annual fee.
Amex points are some of the most valuable travel rewards out there thanks to the issuer’s long list of airline and hotel transfer partners.
Cons
Not all of the card’s niche perks and credits will be practical for the average cardholder. Unless you can take full advantage, the card may end up costing more than it’s worth.
It earns just 1 point per dollar on all non-travel spending, so it won’t make much sense if you’re looking for a standalone rewards card to cover everyday spending.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Annual fee
Regular APR
4X
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
This card is a good fit for restaurant-goers and home chefs thanks to its high rewards rate at both restaurants and supermarkets, two practical everyday categories that should make it easy to rack up rewards.
Pros
Along with rewards, this card offers valuable perks like annual dining credits and Uber Cash that can easily make up for its annual fee.
Carries one of the most generous welcome bonuses out there when you factor in the high potential value of Amex points.
Cons
To get more than 1 cent per point in redemption value for your rewards, you’ll need to find the right airline or hotel transfer partner, which may be a headache for occasional travelers.
Plenty of no-annual-fee cards offer generous rewards rates on dining and groceries, and these may be a better fit if you’re looking for a low-maintenance card.
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
N/A
Intro offer
Intro offer is not available for this Capital One credit card.
Annual fee
Regular APR
This card leaves aside rewards and flashy perks, allowing you to focus on what matters most: building your credit. Unsecured cards for people with less-than-perfect credit often charge a ton of fees, but this card has no annual fee and gives you a chance to be considered for a higher credit line after just six months. You may even be able to upgrade to a more rewarding Capital One card in the future if your score improves.
You’ll be considered for a higher credit limit after just six months of responsible use — one of the shortest credit limit review periods you’ll find on a credit-building card.
Capital One may consider applicants with FICO scores as low as 580 for this card.
Cons
The 30.74 percent variable APR is assigned to all cardholders, regardless of credit score. That’s a bit high, even for a card for someone with fair credit
It comes with no rewards program or notable perks, which may limit this card’s long-term value compared to other credit-building cards.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
Intro offer
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
1% - 5%
Rewards Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual fee
Regular APR
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases - automatically.
Thanks to its first-year Cashback Match and generous rotating cash back program, the Discover it® Student Cash Back is one of the most lucrative rewards credit cards available to students. In fact, it carries the same rewards rates as other top Discover cards.
The card’s low rates and fees weave a safety net for first-time cardholders. It carries no annual fee, foreign transaction fees or penalty APR and even waives your first late payment fee (the late fee is up to $41 after that).
There’s a six-month 0 percent introductory APR on purchases (then a relatively low ongoing APR of 18.24 percent to 27.24 percent, variable). That’s a rare but potentially helpful perk for newly-independent cardholders.
Cons
The rotating bonus rewards program might be confusing to credit card newbies.
Its additional features are barebones outside the rewards and low fees, even for a student card.
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
No credit score required to apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
N/A
Intro offer
Intro offer is not available for this Chime credit card.
Annual fee
N/A
Regular APR
Those looking to build their credit with as few fees as possible should look no further than this card. There’s no APR, late fees, over-limit penalties or annual fee to worry about.
This secured card offers one of the highest possible credit limits, with a $10,000 maximum.
Chime does not require a credit check, so applicants avoid hard and soft pulls on their credit.
Cons
This card comes with no rewards, giving it limited long-term value.
Cardholders cannot upgrade to an unsecured card when they improve their credit.
To apply for a Chime Credit Builder Secured Visa® Credit Card, you must first open a Chime Checking Account and receive a qualifying direct deposit of $200 or more.
The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest*, no annual fees, no credit check to apply, and no minimum security deposit required**
Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required**). Turn on Safer Credit Building** and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®. Experian®. and Equifax®.
Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
*No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.
**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
**Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
N/A
Intro offer
Intro offer is not available for this Capital One credit card.
Annual fee
Regular APR
This card is a great option if you're looking to build credit with responsible use while minimizing the size of your security deposit. You can access a $200 credit limit with just a $49 deposit and you'll be automatically considered for a higher credit line in as few as six months with on-time monthly payments — one of the shortest credit line review periods available on a card available at this credit level.
The $49 minimum security deposit is one of the lowest available on a secured card and is especially valuable considering it still gets you a starting credit limit of $200.
Capital One reports your card usage to all three credit bureaus to help you build credit.
Cons
Its ongoing value is greatly limited compared to secured cards’ that earn rewards, and its interest rate is higher than that of several other cards in this category.
Low security deposits usually translate to low starting credit limits, which can hurt your credit utilization ratio if you carry a balance.
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1%)
Yearly credits: Up to $84 toward Disney Bundle streaming ($7 monthly credits after a $9.99+ subscription payment with enrolled card) and up to $180 toward Home Chef meal kits (up to $15 per month for auto-renewing subscription with enrolled card)
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
0% intro APR for 21 months from account opening on qualifying balance transfers (within the first four months) and for 12 months on purchases (18.24% to 28.99% variable APR thereafter; 5% balance transfer fee, $5 minimum)
Citi Easy Deals, Citi Flex Loans and Citi Entertainment may help save money on eligible purchases, event tickets and alternative payment plans
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
0% intro APRfor 21 months from account opening on qualifying balance transfers (within the first 120 days) and purchases (18.24%, 24.74%, or 29.99% variable APR thereafter; 5% balance transfer fee, $5 minimum)
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
2X points on Southwest purchases; Southwest hotel and car rental partners; local transit and commuting (including ride-shares); internet, cable, phone and select streaming services
Southwest perks, including 3,000 annual bonus points on the account anniversary, two annual EarlyBird Check-In® boardings, first two checked bags free, 25% discount on in-flight purchases and more
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
5X points on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (on up to $500,000 spent on flights per calendar year)
2X points on prepaid car rentals, vacation packages and cruise reservations through American Express Travel
Offers one of the most valuable lists of travel perks available, including around $1,700 of recurring monthly and annual credits plus comprehensive airport lounge access
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
4X points on restaurant, eligible delivery in the U.S. (including Uber Eats) and U.S. supermarket purchases (on up to $25,000 in purchases per year, then 1X points)
3X points on flights booked directly with airlines or via American Express Travel
Up to $240 in annual dining and Uber Eats delivery credits (up to $10 of both dining credits and Uber Cash, provided as monthly credits toward eligible purchases; Uber Cash expires at the end of the month)
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A closer look at Bankrate’s best credit card offers
Wells Fargo Active Cash® Card
BEST OVERALL
Most cards that earn 2 percent cash rewards come with spending caps, tiered categories or redemption restrictions. The Active Cash offers unlimited cash rewards on purchases and has a competitive edge with its generous cellphone protection perk.
Someone who wants a simple rewards card will find the Active Cash worth it since it earns cash rewards at a great rate on most purchases with flexible redemption and no spending caps.
While technically not a flat-rate cash back card, the Chase Freedom Unlimited® carries a minimum of 1.5 percent back on all purchases as well as a variety of other unlimited bonus categories, offering a significant boost to its average cash back rate if you spend heavily on dining, drugstores and travel through Chase.
Blue Cash Everyday® Card from American Express
BEST CASH BACK ON EVERYDAY SPENDING
Its high cash back rate on several crucial everyday categories can make this one of the most lucrative cards for your day-to-day spending. Considering how prevalent online shopping is, this particular U.S. online retail category is especially rewarding since the few cards with an online category usually don’t carry it year-round or include as many retailers.
Families, households and other shoppers who often buy online but don't spend enough at U.S. supermarkets or U.S. gas stations to justify a premium card with a higher rewards rate or category spending cap. However, Disney Bundle streaming subscribers and fans of home mealkits may get the most value thanks to this card’s yearly credits. In fact, the Blue Cash Everyday is perhaps one of the only no-annual-fee cards with such valuable annual statement credits.
Thanks to its unparalleled rewards rate at U.S. supermarkets, the Blue Cash Preferred® Card from American Express could rack up more cash back for big grocery spenders and commuters compared to the Blue Cash Everyday. However, it’s worth weighing whether you’ll get more value trading the Everyday card’s online retail rewards and $0 annual fee for the Preferred card’s stronger grocery rewards and unlimited U.S. gas station rewards rate since the other categories and credits are less versatile.
Citi® Diamond Preferred® Card
Best for balance transfers with excellent credit
This card’s introductory balance transfer APR offer is one of the longest available on the market, and you can save money even after the intro APR ends thanks to benefits like Citi Flex Loans, Citi Easy Deals and Citi Entertainment ticket discounts.
People with excellent credit looking to pay off their credit card balance with an exceptionally long intro APR on balance transfers.
If you’re looking for a card that will offer great value even after your intro balance transfer APR period ends, it may be worth choosing the Citi Double Cash® Card instead. It earns an excellent cash back rate while giving you the sort of long intro APR period you typically only find on dedicated balance transfer cards.
Wells Fargo Reflect® Card
Best for long intro APR
Its chart-topping intro APR offer extends to both purchases and qualifying balance transfers, offering maximum flexibility if you’re looking to minimize interest charges. Plus, this card’s benefits sprinkle on a little more value with perks like some of the best cellphone protection available (subject to a deductible).
Someone looking for as much breathing room as possible as they pay off a transferred balance or new purchases — plus a few more perks for a slight edge over rival cards’ ongoing values.
The U.S. Bank Visa® Platinum Card is a no-frills low interest card and may be a great fit if you need to carry a balance after your intro APR ends. Its U.S. Bank ExtendPay® feature may also help you save on interest by allowing you to divide eligible purchases into equal installment payments with a monthly fee.
Capital One VentureOne Rewards Credit Card
Best for travel card beginners
This no-annual-fee card’s solid welcome offer, flat rewards rate on general purchases and even higher rewards rate on hotels and rental cars booked through Capital One Travel make it the perfect first travel card. (See Rates & Fees)
Those who want to earn uncomplicated rewards on occasional travel expenses, but would still like the opportunity to redeem miles through transfer partners. This valuable rewards option typically isn’t available with a no-annual-fee travel card.
You can enjoy valuable travel rewards, diverse bonus categories, stellar travel protections and other lucrative benefits — including annual account bonus points and credits that easily justify the $95 annual fee. Plus, you can pair it with no-annual-fee Chase rewards cards and redeem their rewards for 25 percent more value if you opt for travel through Chase.
Occasional travelers who value flexibility and are looking for a low-cost way to earn travel rewards on everyday spending (especially foodies and fans of online grocery shopping).
If you’d rather avoid an annual fee — but still want a decent rewards rate and valuable miles — the Capital One VentureOne Rewards credit card is worth a look. The card carries a solid flat rewards rate, flexible redemption and excellent Capital One transfer partners (See Rates & Fees).
Capital One SavorOne Cash Rewards Credit Card
Best for dining and entertainment
This is one of the most versatile standalone rewards cards since it earns a great rewards rate in some of the average person’s biggest spending categories, including restaurants, grocery stores and entertainment. (See Rates & Fees)
People who want a well-rounded rewards card that charges no annual fee and earns rewards in several key categories, including the often-overlooked entertainment category.
You might also want to consider the Chase Freedom Unlimited, another flexible no-annual-fee card that earns bonus rewards on its dining and at a flat rate on general purchases. It’s an especially good pick you already have a Chase travel card to pool rewards with.
Capital One Quicksilver Cash Rewards Credit Card
Best starter rewards card
Although its flat 1.5 percent cash back rate doesn’t set it apart from the crowd, the Quicksilver offers streamlined perks and a nice mix of redemption options (including the option to automatically redeem rewards), making it a fantastic first rewards card if you value simplicity.
People who prefer simple rewards: no special categories or earning limits, just a flat cash back rate and flexible rewards that are easy to redeem.
The Chase Freedom Unlimited is a tough competitor of the Quicksilver with its additional bonus cash back categories on dining and drugstore purchases. However, if being able to earn rewards at the same rate on all purchases makes the Quicksilver especially appealing, consider potentially higher-earning flat-rate cards like the Wells Fargo Active Cash or Citi Double Cash Card.
Wells Fargo Autograph℠ Card
Best for gas and transit
Few travel-centric cards offer such a lucrative range of bonus categories while charging no annual fee. You’ll earn rewards in nearly all major everyday spending categories, including gas stations, transit, restaurants, general travel and more.
Commuters, families on the go and anyone looking for a solid no-annual-fee rewards card with a high rewards rate in several everyday travel categories.
While the Autograph card covers many popular spending categories, it’s missing arguably the most important everyday bonus category: groceries. If you spend more on staples like groceries, gas and online shopping than extras like dining out and air travel, the Blue Cash Everyday® Card from American Express Card is a solid alternative.
Capital One Venture X Rewards Credit Card
Best for no-frills benefits
This card sets the stage for a middle-ground option in the luxury travel space with its $395 annual fee and alluring travel benefits, including excellent airport lounge access and yearly travel credits and bonus miles. (See Rates & Fees)
Frequent travelers searching for premium perks without an enormous annual fee. The Venture X is built for cardholders who want better rewards and benefits than a $100-tier premium travel card carries, but can’t justify paying a $500-plus annual fee for an elite travel card stuffed with features they won’t use.
You get a lot of flexibility when redeeming your miles. Options that bring the highest value are booking travel through Capital One, redeeming miles as statement credits for past travel expenses and transferring miles to any of Capital One’s 15+ travel partners.
Frequent and occasional travelers who want an easy way to earn rewards and multiple options for using them.
The Chase Sapphire Preferred card may offer better reward redemption value than the Venture card. The Sapphire Preferred card’s points are worth 1.25 cents each when redeemed for travel through the Chase Travel portal, while Capital One miles are only worth 1 cent each when redeemed through the Capital One Travel portal.
Ink Business Cash® Credit Card
BEST BUSINESS CARD WITH NO ANNUAL FEE
Along with its stellar sign-up bonus and practical bonus categories, this card could offer frequent travelers terrific long-term value. Its rewards are especially valuable if you pair the Ink Business Cash card with the Ink Business Preferred® Credit Card, which would allow you to squeeze 25 percent more value out of your points when you redeem for travel through Chase.
Small-business owners who spend heavily on office supplies and internet, cable and phone services — especially frequent travelers who plan to pair the Ink Business Cash with a higher-tier Ultimate Rewards card.
If you’d rather not juggle multiple cards to ensure you’re earning bonus rewards on all your business spending, you may prefer the simplicity that comes with the Ink Business Unlimited® Credit Card. That card carries the same sign-up bonus and Ultimate Rewards potential as the Ink Business Cash, but earns rewards at a flat rate on all your business purchases.
Southwest Rapid Rewards® Plus Credit Card
Best starter airline card
If you’re in the market for a Southwest credit card the Rapid Rewards Plus is a great starter option since it offers valuable Southwest travel benefits and rewards for a low annual fee.
Occasional travelers who mostly fly domestically and don’t need luxury perks should consider the Rapid Rewards Plus.
Despite its $99 annual fee, the Southwest Rapid Rewards® Premier Credit Card may offer better value overall thanks to its stronger annual bonus and perks. Meanwhile, the Chase Sapphire Preferred may be a better fit you want to use rewards for international travel since it gives you the freedom to earn and redeem rewards with a variety of airlines (including Southwest).
Alaska Airlines Visa® credit card
Best for companion certificate
Its annual companion pass is easy to earn compared to other airline companion passes and can make it cheaper to travel with your adventure partner.
The Southwest Rapid Rewards Priority card may be a better fit for frequent travel duos. Southwest cards give you a chance at the coveted (but harder-to-earn) Southwest Companion Pass, which you can use in the year you earn it and throughout the following year.
Hilton Honors American Express Card
Best no-annual-fee hotel card
It comes packed with Hilton Honors benefits and high rewards rates that would normally warrant an annual fee. The Hilton Honors Amex card is also worth it since it comes with automatic Hilton Honors Silver status, which gives you 20 percent bonus points on Hilton stays and a fifth night free when you book a standard room solely with points (terms apply).
Hilton loyalists who want some status perks and hotel card benefits, but don’t need an ultra-luxury experience to enjoy their stay.
Though it carries a hefty price tag, it could be one of the most valuable rewards cards on the market thanks to its long list of luxury travel and shopping perks, including some of the most extensive lounge access privileges you can get with a credit card.
Frequent travelers who value perks like lounge access, expedited airport security screening and hotel privileges, and can take full advantage of this card’s (sometimes niche) benefits.
If you think the Amex Platinum’s list of perks is impractical, consider the Capital One Venture X card instead. Another premium travel card, the Venture X carries a much lower annual fee of $395 (See Rates & Fees) while still offering a terrific flat rewards rate and valuable perks like annual travel credits and bonus miles.
Bankrate Insight
You could earn perhaps the most valuable welcome offer currently available when applying for the Amex Platinum through Bankrate’s CardMatch: 150,000 points after spending $8,000 on purchases within the first six months. This limited-time intro bonus could be worth a staggering $1,500 toward airfare through American Express Travel, or even more with the right transfer partner.
American Express® Gold Card
Best for food and travel
Since it offers a high rewards rate in popular everyday categories like restaurants and U.S. supermarkets, this card should make it easy to earn travel rewards even if you don’t actually spend a ton on travel. Plus, the card’s foodie-centric credits can easily offset its annual fee on their own.
Restaurant lovers and home cooks who want to earn travel rewards on food and will use the card’s dining credits.
The Capital One SavorOne cardis a terrific alternative if you’re looking to avoid annual fees (See Rates & Fees). The card features some of the best category variety out there, boasting a solid rewards rate not only on dining and groceries, but also on entertainment, popular streaming services and hotel and rental car bookings through Capital One Travel.
Capital One Platinum Credit Card
Best for upgrading
This card does not charge an annual fee, and you may qualify with a FICO credit score as low as 580. Capital One will also review your account for a credit limit increase after just six months — one of the shortest account review periods out there. (See Rates & Fees)
People with fair credit looking for a card with no annual fee and no security deposit that will help them build credit with responsible use.
Most cash back cards with this earning potential require a good to excellent credit score, so it stands out as an especially lucrative student card. Discover’s top-tier customer service, Cashback Match welcome offer and generously low rates and fees grant students peace of mind and top-notch value.
College students interested in building a credit history and earning as they learn about rotating bonus categories.
Applying for this card won’t result in a pull on your credit report (not even a soft pull) and it charges no annual fee, cash advance fees or late payment fees. It also offers one of the highest potential credit limits for secured cards at a $10,000 maximum.
People who have a low credit score or no credit history and prefer a low-cost card over a secured rewards card. Just keep in mind you’ll need to manage balances between Chime and your linked bank account.
The Capital One Platinum Secured Credit Card may offer a solid starting credit limit with only a small deposit. The card also gives you a chance at a higher credit limit in as little as six months and reports credit utilization to credit bureaus (unlike the Chime card).
Capital One Platinum Secured Credit Card
Best credit limit policy
Not many secured cards come with no annual fee and security deposit requirements as low as $49. Plus, Capital One will review your account for a potential credit limit increase after six months. (See Rates & Fees)
People with fair credit or lower (a 669 FICO Score or below, or a 600 VantageScore or below) — or no credit history at all — who would rather put down a small security deposit and work on their credit with few distractions.
The Discover it® Secured Credit Card may be a stronger option for some credit-builders looking for perks since it earns rewards on purchases and comes with an introductory APR on balance transfers.
*The information about the Chase Freedom Flex℠, Chase Freedom® Student credit card, Bank of America® Premium Rewards® Elite Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, American Airlines AAdvantage® MileUp®, Apple Card, BankAmericard® credit card, PNC points® Visa® Credit Card, Mission Lane® Visa Credit Card, Mission Lane Cash Back Visa® Credit Card, Brex Card, and United℠ Explorer Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
What are credit cards and how do they work?
A credit card is a financial product similar to a personal line of credit that lets you make purchases now, but pay for them later. When you’re approved for a credit card, you get a credit limit that determines the maximum dollar amount you can charge to your card. As you make purchases, your available credit decreases. When you pay your bill, your available credit increases.
With a credit card, you can carry a balance from month to month, meaning you can make a partial or minimum payment rather than paying your balance in full. The downside to carrying a balance is facing potential interest charges determined by your credit card’s APR, or annual percentage rate. Your credit card’s APR is effectively the cost of borrowing money. Remember, credit card interest is relevant only if you carry credit card debt from month to month, and it’s best to pay your balance on time and in full whenever possible.
Cash back is the simplest form of rewards. You earn back a percentage of your purchase cost, so if your card earns 3 percent back in a certain category, spending $100 in that category would net you $3 in cash back.
Credit card points and miles work similarly, but the value of points and miles varies based on how they’re redeemed. Miles are generally best used to book travel (typically airfare) while points may offer more flexibility, allowing you to redeem for different types of travel as well as cash back.
Your understanding of certain credit card terms is essential when choosing a credit card. The terms and phrases listed below should be top of mind when you begin shopping:
Interest rate: Interest is the daily-compounding fee a card issuer charges for carrying a credit card balance from month to month, one of the main ways that credit card companies make money. Rates are influenced by your credit score and the prime rate set by the Federal Reserve.
Annual Percentage Rate (APR): In the world of credit cards, your interest rate and your APR are interchangeable. Your credit card’s annual percentage rate is the interest you’re charged for carrying a balance on the credit card in a billing cycle. The potential APR range is listed in your card’s terms (17.99 percent to 29.99 percent, for example).
Credit limit: This is your credit card’s spending limit and will vary based on your credit score. You’ll likely have different credit limits for different transactions. For example, your cash advance limit (if your credit card offers cash advances) will be lower than your credit limit for purchases. If you go over your credit limit, the drawbacks can be severe, so it's important to know your limit and keep your balance beneath it, if you plan to carry a balance.
Credit card balance: Your credit card’s statement balance is the amount owed at the end of a billing cycle. This amount will include all unpaid transactions made on your credit card and any unpaid fees.
Credit card issuer: Often confused with credit card networks — like Visa or Mastercard that facilitate transactions between merchants and card issuers — credit card issuers provide credit cards directly to consumers. Cardholders can receive credit cards from financial institutions like credit unions or banks.
Co-branded: Co-branded cards typically earn rewards and offer perks with a particular merchant or brand they’re partnered with, such as an airline, hotel or retail store. However, these cards are also part of a major credit card network, so they can be used wherever that network is accepted.
Private-label: “Private-label” (or “closed loop”) cards aren’t branded with a credit card network at all, so they can only be used with the partnered merchant. Many of these products are store credit cards and gas station credit cards. Private label cards usually aren’t recommended since they carry weak features and high APRs and fees.
Pros and cons of credit cards
Credit cards can be a great way to manage your money and make sure you pay your bills on time — but the problem is that they’re also very easy to misuse. Because of this, you should be aware of some of the benefits and drawbacks of owning a credit card.
Pros
Earn rewards and enjoy perks. Rewards card programs and perks like bonus statement credits can help you save money on travel, dining and other big expenses.
Build your credit score. Using a credit card responsibly is one of the best ways to establish and improve your credit score as long as you consistently pay on time and keep your balance low.
Financial flexibility and extra protection. A credit card even offers peace of mind when you pay for goods and services. It comes with strong consumer protections to ensure safe transactions and guard against identity theft.
Consolidate debt and pause interest. A card with a 0 percent intro APR on purchases and balance transfers can give you time to pay off new purchases and consolidated debt from other cards or loans.
Help others establish credit. If you have children or other loved ones who need help building (or rebuilding) their credit score, you can add them as authorized users on your card so they can build credit without the hassle of opening their own (and earn you extra rewards).
Cons
You could face high interest rates. Credit card interest rates are higher than other types of loans or credit accounts, so paying off credit card debt could become costlier than installment loan interest.
You could get into debt. Spending more on your credit card than you can pay off before the end of each billing cycle could pile expensive interest charges onto your balance and compound into snowballing debt.
Your credit score can drop with irresponsible use. Improper card use could damage your credit profile and lead to higher loan interest rates and insurance premiums or trouble getting a job or finding housing.
You may take on fees. Even the best credit cards can come with a variety of fees, though you can avoid many of these with responsible card use. Some will have fees for foreign transactions or annual fees for perks that you don't need or use.
How to choose a credit card
Choosing the best credit card all comes down to which card is going to provide you with the most value based on your financial situation, spending habits and more. Think about these questions when a credit card offer catches your eye:
What’s your credit score?
The better your credit score, the better your chance of qualifying for a credit card with excellent perks and terms. Check your credit score before applying for a new card, and, if your credit score isn’t where you’d like it to be, work on improving your credit.
Are you looking to pay off debt or upcoming purchases?
If you only need 12 to 15 months to pay off your balance, a no-annual-fee rewards card with a short intro APR period may be your best choice long term. Otherwise, cards designed specifically for balance transfers or financing new purchases will be a better fit since they tend to offer 0 percent APR periods of 18 to 21 months.
It’s best to pay your balance in full each month so you avoid paying interest, but a card with a low interest rate or alternate payment plan may be wise if you think you may need extra time to pay off unexpected purchases after intro zero-interest APRs typically end. Low-interest cards tout APRs that are lower than the average credit card interest rate, which has been hovering around a high 20 percent.
What are your spending habits?
Start your research by deciding what type of rewards you’d like to earn: cash back, points or miles. If your spending is concentrated in certain categories — like groceries, dining or travel — look for a card that carries a high rewards rate on those purchases. If you don’t spend a lot in one particular category, consider a card that earns rewards at a flat rate on all purchases.
Flat-rate rewards cards typically offer a maximum of 2 percent cash back or 2X miles on purchases, while cards with rotating or year-round bonus categories can offer anywhere from 2 percent to 6 percent back on certain purchases (sometimes with a few restrictions on how much you can earn).
Can you earn a sign-up bonus?
Many credit cards carry a sign-up bonus for new cardholders. No-annual-fee rewards cards typically offer sign-up bonuses worth $200 to $250 after you spend $500 to $1,000 in the first three months. Meanwhile, premium rewards cards generally offer bonuses worth $500 to $800 after you spend $4,000 to $6,000 in your first three or six months. Business cards often offer even more valuable sign-up bonuses with a bigger spending requirement to match.
Don’t know where to start? Check out
Bankrate’s Spender Type Tool
What type of credit card should you get?
Credit card issuers offer different types of credit cards to meet a variety of consumer needs. For example, some cardholders don’t see the appeal of a premium travel card or won’t use the card enough to justify its annual fee, while others may primarily use their card while traveling abroad. The former type of cardholder would likely benefit from a no-annual-fee card, while the latter would benefit from a no-foreign-transaction-fee card with plenty of travel features.
But there’s no such thing as a one-size-fits-all credit card, and the sheer number of options can make it difficult to choose a credit card that’s best for your unique situation. That’s why it’s good to consider which card best matches your spending habits.
Here are the major credit card types and the ideal cardholder they’re suited for:
What to know:
Cash back cards usually earn rewards on everyday purchases like groceries, dining, gas and more.
You can typically redeem cash back as a statement credit, deposit to your bank account or gift card. Some cash back rewards also let you pool rewards with travel cards from the same issuer.
Household shoppers — The most popular cash back bonus categories are a good fit if you spend mostly on groceries, gas, dining and other everyday categories.
Simplicity seekers — If you prefer streamlined redemption and minimal fees, cash back cards are a good option.
Staycation-ers and infrequent travelers — If you don’t plan to redeem rewards for travel, cash back is likely your best alternative.
Along with earning valuable travel rewards, these cards also tend to feature benefits that make your journey easier and more affordable. Popular perks include airport lounge access, free hotel upgrades, travel protections (like trip cancellation insurance) and credits toward expenses like airfare, hotel stays and expedited security screening services.
General travel cards earn rewards on airfare, hotels and other expenses, no matter how you fly or where you stay. These cards may also include perks like airport lounge access or credits for expedited security screening services.
Co-branded cards typically carry high reward rates and elite loyalty status with particular airlines or hotel chains. Airline cards typically provide perks like in-flight purchase discounts, priority boarding and free checked baggage. Similarly, hotel cards may offer free nights, hotel credits and status that gives you perks like room upgrades and flexible check-in.
Who they’re great for:
Flexibility-focused travelers — If you want to book with the airline or hotel that offers the best deal and care more about earning and redeeming rewards than traveling in style, you’ll likely prefer a general-purpose travel card.
Road warriors — Road trippers and weekend adventurers could save on accommodations and future trips with travel cards’ lodging, dining, entertainment and rental car rewards.
Strategic shoppers — Travel cards’ broad category coverage, pairing opportunities and transfer partners will help you squeeze the most mileage from your rewards.
Loyal jet-setters and hotel guests — An airline or hotel card would be a rewarding pick if you prefer to fly with a specific carrier or stay with a particular hotel chain.
Travel hackers — A co-branded airline or hotel card may be worthwhile if you don’t mind holding multiple cards to maximize your travel rewards.
A balance transfer credit card lets you move debt from an existing credit account to the new card and, ideally, pay off the transferred debt with a 0 percent intro APR lasting 18 to 21 months. Meanwhile, cards with 0 percent intro APR periods on purchases are useful if you want to pay off new purchases over time.
Cards typically charge a 3 percent to 5 percent balance transfer fee. Make sure to check your math beforehand since a card with a lower transfer fee may be more cost-effective than one with a longer intro APR if you have a large balance.
Who they’re great for:
Debt-settlers — A balance transfer card may give you enough breathing room to finally pay off snowballing debt.
Balance managers — You can consolidate multiple credit card balances (and sometimes personal loans) onto one zero-interest card if you’re having a hard time keeping up with interest charges across multiple cards.
Big purchase planners — You can use a card with a strong 0 percent intro APR on purchases to keep interest at bay as you pay off big purchases.
You’ll want to consider a low-interest credit card that has an ongoing APR below the average interest rate (currently hovering around a high 20 percent) if you may need to carry a balance.
Who they’re great for:
Emergency expense planners — Minimize the impact of interest should you need to carry a balance.
First-time cardholders — Provides a lower-cost safety net in case you miss a payment while getting the hang of credit cards.
With a cash back card for business, you can earn a flat percentage on general purchases or a higher rate on specialty categories such as office supplies. A business travel card that earns miles or points can also help you reduce your costs for airfare, hotel stays and transit.
Business cards typically carry specialized features, such as higher credit limits than consumer cards, tools to help you manage expenses, free cards for employees and business-related rewards categories, such as shipping, advertising or office supply store purchases
Who they’re great for:
Small-business owners — On top of business-oriented features not found on personal cards, business cards can also help you handle your small business or startup costs and build your business’ credit score.
Side hustlers — Even if you have a small online store, dog walking or ridesharing side gig, you can use a business card to earn rewards, access expense management tools and keep your business spending separate from your personal spending.
Business travelers — Many of the top-tier business cards offer travel perks and rewards, and frequent business travelers can put features like annual travel credits, airline companion passes and lounge access privileges to good use.
You might not need a good or excellent credit score (or even a credit history at all) to qualify for a student card. In fact, some cards for international students don’t even require a Social Security number.
Some student card perks are especially useful if you’re in college, like statement credits for Amazon Prime Student, streaming services or other common subscriptions.
Annual fees, foreign transaction fees and penalty APRs are less common among student cards, and some issuers even waive your first late payment fee. These minimal fees can provide some peace of mind for students without the same income or credit experience as a seasoned cardholder.
Who they’re great for:
Students — Unlike secured cards and other credit-building options for people with limited credit, student credit cards are only available to students. Student cards’ comparatively low rates and fees, $0 deposit requirement, student-oriented perks and rewards make them perhaps the best cards available if you want to build a credit history.
Secured cards are the most accessible — and feature-rich — credit card option if you have no credit history or a “bad” to “fair” credit score (typically a FICO score of 669 or lower, or a VantageScore of 660 or lower).
In exchange for a refundable security deposit (typically starting at $200), issuers provide you a matching credit limit that allows you to work on building credit. Setting your own credit limit with a large deposit can make it much easier to keep your credit utilization ratio — a key credit scoring factor — in check.
Non-students may find that secured cards generally offer stronger perks than unsecured credit-building cards. In fact, several issuers provide secured cards with rewards rates identical to their full-fledged counterparts, such as the Bank of America® Customized Cash Rewards Secured Credit Card* or Discover it® Secured Credit Card.
Who they’re great for:
Credit-builders with bad credit or no credit history — If you have money for a security deposit, a secured card could be the most cost-effective, rewarding and expedient card option to build or repair your credit.
Unsecured credit cards for bad or fair credit can be handy if you don’t have the flexibility to tie up a large security deposit for several months. However it’s important to carefully read each card’s terms and conditions.
Unsecured credit-building cards tend to charge much higher rates and fees than secured cards, and some of these unsecured cards’ terms border on being predatory. Decent unsecured cards designed for subprime credit do exist, but a secured card may be a more cost-effective option in the long run for building credit.
Who they’re great for:
Credit-builders avoiding a security deposit — Unsecured cards can be helpful if you’re hesitant to fork up a hefty deposit and you can carefully navigate the risks.
Credit-builders with fair credit — Since you’ll be seen as a lower risk than someone with bad credit, having fair credit can get you unsecured credit-building cards that are a bit more rewarding than secured alternatives.
Here’s how Bankrate experts chose their rewards card
With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate writer and credit card reviewer Garrett Yarbrough on how he chose his primary rewards card:
Although I knew which cards carried the highest rewards rates, most impressive sign-up bonuses and most valuable perks, I started my search by considering what I wanted most out of my card. I knew I wanted a versatile card that could reward my biggest expenses and remain a valuable staple in my rewards strategy even after I added more cards to my wallet.
APRs weren’t a huge concern since I already had a low-interest card from my credit union and I avoid carrying a balance. So I focused on rewards. While a cash back card would be a good fit, I didn’t want to close the door to more valuable travel rewards and transfer partners in the future.
My biggest expenses tend to be bills and everyday purchases like groceries, gas and dining, but I also shop at Walmart and online in a rush. I love to cook, too, so I’d probably lean on a card with a grocery rewards category more than one with a restaurant category. On paper, my spending habits meant a card with a high rewards rate at grocery stores would be helpful. But in practice, I’d likely rack up more rewards with a flat-rate card. Knowing I wanted a future-proof, flat-rate rewards card with diverse redemption options and plenty of pairing opportunities helped me quickly narrow my search to the Chase Freedom Unlimited.
Although it doesn’t carry the highest flat cash back rate, its combination of both 1.5 percent back on general purchases and 3 percent back on dining and drugstore purchases gives it an extra layer of rewards value.
Down the road, I can even boost the value of the Freedom Unlimited card’s rewards by adding the Chase Sapphire Preferred to my wallet and redeeming points for travel. I can also shore up my rewards earning with the categories from a card like the Capital One SavorOne or Blue Cash Everyday.
Until then, the Freedom Unlimited gives me a stellar foundation on which to build my rewards strategy.
— Garrett Yarbrough — Writer, Credit Cards
Expert Insights: What is the best credit card of 2024?
While no one card will be “the best” for everyone, there may be a clear “best credit card” for you based on your goals, spending habits, credit score and more. Perhaps the closest answer to the objective “best credit cards” and issuers are listed below, based on extensive research data from experts at Bankrate and J.D. Power.
If you’re looking for a lay of the land, the 2024 Bankrate Award winners are a great place to start. Every year, Bankrate’s credit card experts research, rate and compare hundreds of cards and crown the best in each major category as Bankrate Award winners based on their outstanding features, rewards value and more.
Several of the cards on this page were winners this year, including:
American Express Gold Card — Best credit card for foodies (three-time winner*)
Capital One Venture X Rewards Credit Card — Best credit card for jet-setters (three-time winner*)
Capital One SavorOne Cash Rewards Credit Card — Best credit card for entertainment (2024), Best credit card for families (two-time winner*)
Discover it® Student Cash Back — Best credit card for students (two-time winner*)
Wells Fargo Active Cash Card — Best credit card for flat-rate cash back
Blue Cash Everyday Card from American Express — Best credit card for everyday use (2024), Best credit card for shopaholics (2023)
Check out more 2024 Bankrate Award winners if you’re ready to snag one of the best credit cards on the market.
Bankrate’s review scores can also highlight especially great cards. Review scores are calculated on a scale of 1 to 5 and based mainly on a card’s rewards value, perks, introductory offers, APR and other fees. Although several fantastic cards hold a score of 4 and above, scoring a perfect 5/5 is quite an accomplishment.
Here are the exceptional cards that currently hold a 5/5 Bankrate review score:
The annual J.D. Power credit card satisfaction study details the major credit card industry trends each year, and the 2023 study added individual card rankings to the survey. For an extra vote of confidence, here are the top three credit cards according to consumers in the 2023 survey’s five categories (scored on a 1,000-point scale):
Rewards cards (Premium)
Bank of America® Premium Rewards® Elite Credit Card (712)
J.D. Power’s annual credit card satisfaction survey is perhaps the definitive gauge of the best credit card issuer. The 2023 survey ranked 16 credit card issuers — major and regional — on a 1,000-point scale based on their customers’ satisfaction with their experience. American Express ranked first in the 2023 survey with Bank of America in second place, which is a departure from Amex and Discover’s typical neck-and-neck battle for the top two spots. It’s also worth noting the average score was 609, which means only American Express, Bank of America, Discover and Capital One achieved an above-average customer satisfaction rating.
Here are how the 16 issuers rank based on J.D. Power’s 2023 survey results, as well as how many Bankrate Awards the issuer’s cards have won since 2022 and an estimated point or mile value for their top rewards cards:
N/A (currently only issuing cards with no rewards)
0
Truist
#14 (557)
1 cent (may vary for non-cash back redemptions with point-earning cards)
0
Premier Bankcard
#15 (529)
N/A (currently only issuing cards with no rewards)
0
Credit One Bank
#16 (496)
1 cent
0
It’s also worth noting that the study’s seven midsize issuers — mostly regional banks and credit unions — offer cards that have earned Bankrate Awards or carry rewards that Bankrate includes in its point valuation database. Of these midsize issuers, TD Bank won “Best Bank for Sign-Up Bonuses” and PNC won “Most Trusted Bank” in the 2023 Bankrate Awards for banking. Several of the Navy Federal Credit Union cards are featured in Bankrate’s list of the best credit union cards as well.
How to get a credit card
Once you’ve decided which credit card is best suited for your needs, it’s finally time to apply for your new card. You’ll have the best approval odds if you pursue a card that welcomes applicants with your credit score or if you’ve received a prequalified card offer.
Before you start filling out applications, find out your current credit score. Knowing your credit score will give you a better idea of:
The cards you’re most likely to qualify for. On Bankrate, each card offered by our partners lists a recommended credit score you can use as a guide.
The APR you might be offered. The higher your credit score, the more likely you are to get a lower APR.
You can check your credit score through any of the major credit bureaus, the Fair Isaac Corporation (FICO) or possibly through your bank. Based on the FICO scoring model, a good-to-excellent credit score will fall in the range of 670 to 850 (or 661 to 850 on the VantageScore model).
Choose the right card for you
Choosing the best credit card for you comes down to deciding which card provides the most value based on your financial situation, spending habits and more. Think about these questions when a credit card offer catches your eye:
What’s your credit score? The better your credit score, the better your chance of qualifying for a credit card with excellent perks and terms. If your credit score isn’t high enough for the card you prefer, work your way up to it by improving your credit.
Do you plan to carry a balance? It’s best to pay your balance in full each month so you avoid paying interest, but a low-interest credit card may be a wise choice if you expect to carry a balance from time to time. Credit union cards often offer especially low rates, with low-end APRs sometimes ranging from 8 percent to 14 percent.
Are you looking to pay off debt or a large purchase? Most no-annual-fee cards only offer an intro APR for 12 to 15 months. If you need more time to pay off debt, consider a dedicated balance transfer card. These cards often carry longer intro APR periods of 18 to 21 months.
What are your spending habits? If your spending is concentrated in a certain area (like groceries or travel), look for a card that earns 2 percent to 6 percent rewards back in that category. If you don’t spend a lot in one particular category, consider a card that earns up to 2 percent rewards back at a flat rate on all purchases.
Can you earn a sign-up bonus? No-annual-fee rewards cards typically offer sign-up bonuses worth around $200 after you spend $500 to $1,000 in the first three months. Meanwhile, premium rewards cards generally offer bonuses worth $500 to $800 after you spend $4,000 to $6,000 in your first three or six months. Business cards often offer even more valuable sign-up bonuses with a bigger spending requirement to match.
Look for personalized or prequalified offers
With a prequalified credit card offer, you can get an idea of your approval odds without submitting an application that will trigger a hard credit inquiry. Hard credit inquiries temporarily decrease your credit score and stay on your report for two years. Prequalification processes usually involve a soft credit check, so they could help you avoid minor, short-term dings to your credit score as you shop for the right card.
One way to find and compare offers is by using tools like CardMatch™. CardMatch only requires a soft credit pull and lists cards that match your credit profile. Based on your information, you may also receive special offers and prequalified matches. However, it’s important to be aware that a prequalified match is still not a guarantee of approval.
Fill out your application
You can apply for a card online via the issuer’s website, in person at an issuer branch, over the phone or by mail.
Before you begin filling out the application, you’ll need to have the following information on hand:
Full name
Date of birth
Address
Income
Social Security number
The issuer may also ask follow-up questions about your employment, housing situation or any additional assets and income.
Wait for a response from the credit card issuer
Your application can take as little as one minute to process, but you won’t always know whether your application was approved immediately. Getting a decision can take a few days or weeks, but issuers are required to inform you whether your application was approved or denied within 30 days of your application.
If you’ve been approved, you’ll typically get your card in the mail within 10 business days. Some issuers also provide a virtual credit card number upon approval that you can use before your physical card arrives.
Below, we’ve listed Bankrate’s three most popular credit card offers, based on how frequently our visitors applied for them in 2023 compared to other cards that appeared on a “Best of” page in the same category (cash back, travel, business, balance transfer, etc.).
Cash back
Most applications:
Wells Fargo Active Cash® Card
Capital One SavorOne Cash Rewards Credit Card
Discover it® Cash Back
Travel
Most applications:
Capital One Venture Rewards Credit Card
Chase Sapphire Preferred® Card
Capital One VentureOne Rewards Credit Card
Balance Transfer
Most applications:
Discover it® Balance Transfer
Wells Fargo Reflect® Card
Wells Fargo Active Cash® Card
Zero Interest
Most applications:
Discover it® Cash Back
Wells Fargo Active Cash® Card
Capital One SavorOne Cash Rewards Credit Card
Fair Credit
Most applications:
Capital One Platinum Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Discover it® Student Cash Back
Bad Credit
Most applications:
Capital One Platinum Secured Credit Card
Mission Lane® Visa Credit Card
Self - Credit Builder Account with Secured Visa® Credit Card
Students
Most applications:
Discover it® Student Cash Back
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Business
Most applications:
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Capital One Spark Miles for Business
What people say about the best credit cards
Because people have many options when looking for their next credit card, reading current cardholders' experiences can be helpful. We reviewed the most useful comments on the best credit cards from online forums and discussion boards, vetted this information to ensure accuracy, and curated the highlights here.
For many Reddit and myFICO Forums users, American Express cards come out on top. While people favor the Amex Platinum and Gold cards for their lucrative rewards structure and perks, both the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express are noted for their high rewards rate on grocery purchases.
For one Reddit user, the Amex Blue Cash Preferred provides plenty of value because of its high reward rates on groceries and other key categories.
"Groceries are my highest spend. Multipliers on streaming and gas are nice, as well as the purchase protection, return protection and extended warranty it provides."
However, some commenters on myFICOforums observe that the Blue Cash Preferred card's annual fee and yearly spending cap on groceries cut into rewards. If that’s a concern for you, we recommend choosing the Blue Cash Everyday instead: though the rewards rates are lower, you’ll get a valuable no-annual-fee card.
Current cardholders also shared these perspectives about the best credit cards:
Rotating bonus categories: Discover it® Cash Back cardholders enjoy its high rewards rate in different categories each quarter.
Customized bonus categories: Both the Citi Custom Cash® Card and Bank of America® Customized Cash Rewards credit card are considered strong cards, especially when paired with an unlimited flat-rate card. Our current Bankrate Award winner for best flat-rate cash back is the Wells Fargo Active Cash® Card.
Travel cards: Many Reddit users cite the Chase Sapphire Reserve® and U.S. Bank Altitude® Reserve Visa Infinite® Card as their go-to cards. While some would like improvements in Chase's Pay Yourself Back feature, one Redditor points out, "I use [the Chase Sapphire Reserve] mainly for gas and dining, transfer points from my other Chase cards over, and it seems like points just add up." Capital One's suite of Venture cards also gets high praise, particularly for the issuer’s "fantastic app" that makes the user experience seamless.
Everyday spending: Most Reddit users agree that finding a 2 percent flat-rate cash back card with no annual fee would be best for everyday, general spending. Many commenters on Quora list the Citi Double Cash® Card as a great card for its 2 percent cash back (1 percent when you buy and 1 percent when you pay off your purchase), with no spending cap or annual fee.
At the end of the day, the best credit card is the one that meets your needs and earns a high rewards rate in categories where you do the most spending. For many people, that’s groceries, which is why the Amex Blue Cash Preferred is so popular. If you want to carry more than one card, as many credit card users on Reddit and other forums do, you can get more value by using a flat-rate cash back card for general purchases and pairing it with a card that earns high rewards rates in your favorite spending categories.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
In the News: Roughly 1 in 7 Americans’ top financial regret is taking on too much credit card debt
In a Bankrate study, 15 percent of U.S. adults say their biggest financial regret is taking on too much credit card debt. Read more about the results in the full Bankrate survey or hear from our experts on Bankrate's tips and tricks for paying down credit card debt.
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.
Frequently asked questions
The number of credit cards you should have depends on your goals. For example, you’ll probably want to carry multiple cards if you’re looking to maximize rewards on a broader range of expenses or wield perks specific to your favorite stores, airlines or hotels. However, you may want to stick to one card if you prioritize building credit or a streamlined rewards experience.
Having several cards is fine as long as they deliver benefits that you take full advantage of (miles, cash back, perks and so on). Just beware of burdening yourself with annual fees and temporarily bruising your credit score from multiple card applications in a short period. For reference, statistics show that 77 percent of U.S. adults have at least one credit card, with the average American holding three to four credit cards.
A credit card application could have a negative (but temporary and relatively small) effect on your credit score. Getting approved for a credit card or other type of credit account requires some scrutiny of your track record as a borrower. The process can involve two types of credit checks:
A “hard” inquiry is when the lender pulls your credit report to make a decision about whether to lend to you.
A “soft” inquiry is when the lender checks your credit as part of a preliminary screening. Pre-qualified credit card offers involve soft credit inquiries, so keep an eye out for cards that offer pre-qualification.
A hard inquiry can subtract a few points from your credit score temporarily, while a soft inquiry usually has no effect. You’ll want to limit the number of hard inquiries on your credit report, so be as selective as possible about which credit cards you apply for and try to get preapproved first.
Generally, you must be at least 18 years old to be the primary cardholder of a credit card. However, there are considerably more strict requirements to hold a credit card if you’re below the age of 21. You must be able to prove that you can independently pay your credit card bill or you can elect to have a cosigner, who is financially responsible for your bills if you cannot pay.
There is also the option to become an authorized user on a parent or guardian’s credit card. With this option, you can have access to a credit line before the age of 18, though age restrictions will depend on the issuer.
How we assess the best credit cards
250+
cards rated
50+
rewards programs valued
5000
data points analyzed
40+
perks evaluated
When evaluating the best credit cards, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to saving on interest. Whenever possible, we also feature cards that are available at various credit levels and price points.
We analyzed over 250 of the most popular credit cards in each of our primary card scoring categories, including Cash Back, Rewards, Balance Transfer, Low Interest, Business, Credit-Building, and Student, as well as in a few popular subcategories like Travel, No Annual Fee, Airline and Hotel.
We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period length, ongoing APR, fees, perks and more to determine whether it belonged in this month’s roundup.
Here are some of the key factors that we considered:
For cards that put earning rewards front and center, a key criteria for their inclusion in our list of the best credit cards is whether they offer impressive rewards value. This includes a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.
To estimate a card’s average annual rewards earnings, we calculate its average rewards rate based on how much it earns in different bonus categories, as well as how closely those categories match the average person’s spending habits. In other words: Does the card earn rewards at a high rate in the most popular spending categories?
We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.
This includes the following spending by category:
Groceries: $5,700
Dining out: $3,600
Entertainment: $2,400
Gas: $3,100
Apparel and services: $1,900
Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.
This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value
With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.
The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking, particularly in the Rewards and Cash Back categories.
We also score cards based on how much it costs to keep them in your wallet or carry a balance.
We rate all cards based on how their ongoing average APR compares to the average APR you’ll find on other cards in their primary category. However, the impact of an especially high or low APR on a card’s overall score depends on its primary category.
For rewards-earning cards, this factor has only a minor influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance. That said, rewards-earning cards may get a solid boost in score if they also offer an intro APR on balance transfers or new purchases, since such offers aren’t always present on these cards.
More important to these cards’ scores and their inclusion in our list is how their annual fees influence their overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value.
Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.
Interest rates and intro APR offers play a much larger role in a card’s score and whether it’s included in our list when the card is designed specifically for users looking to save on interest charges. This could include cards in the Balance Transfer and Low Interest categories, as well as those designed for people new to credit or working to rebuild their score (the Credit-Building category).
We strive to feature cards with the most generous intro APR offers and lower balance transfer fees or ongoing APRs in our Balance Transfer and 0 percent Intro APR card categories. In these categories, factors like intro APR period length, ongoing APR and balance transfer fee make up a large portion of a card’s overall score and influence our decision to include it in our best cards list.
Along with rewards value and cost, we consider other factors that could give cards great long-term value, like flexible rewards redemption, unique and valuable perks or the ability to switch to another card with the same issuer after you’ve paid off debt or improved your credit score.
We rate rewards-earning cards based on the restrictions they impose on earning and redeeming rewards and consider this when deciding on a card’s inclusion in our list.
These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards. We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners.
We also evaluate each card’s perks based on their value, usefulness and uniqueness. Cards that offer top-tier benefits like airport lounge access or travel credits are likely to stand out in the Rewards and Travel categories, but we also aim to highlight cards that offer valuable under-the-radar perks, like the ability to graduate from a secured to an unsecured card with responsible use.
For low-interest, balance transfer and credit-building cards, we factor in the presence of a rewards program (as this could give the card better long-term value) and perks designed to help cardholders protect their credit score (like free credit monitoring or the ability to prequalify with no impact to your score).
Ask the experts: What is the best feature you look for in a credit card?
I gravitate to the perks the credit card offers. For example, I have a United℠ Explorer Card. It's great for the miles, and since there is a United Airlines hub in San Francisco, where I live, I tend to fly with them frequently. But the perks are where it really stands out.
The “basic” United fare is substantially less than other classes, but you have to pay for overhead and checked baggage. Since this card offers complimentary checked bags, I come out ahead. I get the cheapest airfare plus free bag check!
These are the kind of things I recommend that people look for when they're considering new credit cards — perks that make your life easier and save you money.
For me, credit cards are all about rewards, rewards, rewards. I look specifically for cards that pay me back in great dividends for using them. I always want a good signup bonus. And for a card I want to keep and use long term, I specifically look for benefits that far outweigh the annual fee.
I look for no-annual-fee cards with rewards programs that match my spending habits. For example, I travel a lot but I do not have affinity for any particular hotel brand, so I like a travel card that rewards me for staying anywhere.
We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card,…
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards…
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
Just a second... We’re matching you with personalized offers
Hold tight, we’re loading your personalized results page
Sorry, we couldn't access your approval odds.
This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds.
Just a second... We’re matching you with personalized offers
Hold tight, we’re loading your personalized results page
Sorry, we couldn't access your approval odds.
This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds.