Best for all-around travel

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 5X Earn 5X points on travel purchased through Chase Ultimate Rewards®.
  • 3X Earn 3X points on dining.
  • 2X Earn 2X points on all other travel purchases, plus more.
Intro bonus
60,000 points 
Annual fee
$95
Regular APR
15.99%-22.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for flat-rate cash back

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 5% 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • 1.5% Unlimited 1.5% cash back on all other purchases.
Intro bonus
$200 
Annual fee
$0
Regular APR
14.99% - 24.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best Chase card for business travel

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro bonus
100,000 points 
Annual fee
$95
Regular APR
15.99%-20.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for everyday business purchases

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 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
Intro bonus
$750 
Annual fee
$0
Regular APR
13.24% - 19.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for the small business owner

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
Intro bonus
$750 
Annual fee
$0
Regular APR
13.24% - 19.24% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 1% Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
Intro bonus
$50 Bonus 
Annual fee
$0
Regular APR
14.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for cash back in multiple categories

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 5% 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% 5% cash back on travel purchased through Chase Ultimate Rewards®.
  • 3% 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases
  • 1% 1% on all other purchases.
Intro bonus
$200 
Annual fee
$0
Regular APR
14.99% - 24.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for luxury travel

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 10X Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5X Earn 5X total points on air travel through Chase Ultimate Rewards®.
  • 3X Earn 3X points on other travel and dining.
  • 1X Earn 1 point per $1 spent on all other purchases
Intro bonus
50,000 points 
Annual fee
$550
Regular APR
16.99%-23.99% Variable
Recommended credit
Excellent (740 - 850)
Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 2X Earn 2X points on Southwest® purchases.
  • 2X New! Earn 2X points on local transit and commuting, including rideshare.
  • 2X New! Earn 2X points on internet, cable, phone services, and select streaming.
Intro bonus
100,000 points 
Annual fee
$69
Regular APR
15.99% - 22.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 3X New! Earn 3X points on Southwest® purchases.
  • 2X New! Earn 2X points on local transit and commuting, including rideshare.
  • 2X New! Earn 2X points on internet, cable, phone services, and select streaming.
Intro bonus
100,000 points 
Annual fee
$99
Regular APR
15.99% - 22.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 3X New! Earn 3X points on Southwest® purchases.
  • 2X New! Earn 2X points on local transit and commuting, including rideshare.
  • 2X New! Earn 2X points on internet, cable, phone services, and select streaming.
Intro bonus
100,000 points 
Annual fee
$149
Regular APR
15.99% - 22.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Compare Bankrate’s top picks for Chase credit cards

Card Name Best For Bankrate Review Score
Chase Sapphire Preferred® Card All-around travel 4.3 / 5
(Read full card review)
Chase Freedom Unlimited® Flat-rate cash back 4.6 / 5
(Read full card review)
Ink Business Preferred® Credit Card Business travel 3.8 / 5
(Read full card review)
Ink Business Cash® Credit Card Everyday business purchases 4.1 / 5
(Read full card review)
Ink Business Unlimited® Credit Card Small business owners 3.9 / 5
(Read full card review)
Chase Freedom® Student credit card Students 3.5 / 5
(Read full card review)
Chase Freedom Flex℠ Cash back in multiple categories 4.0 / 5
(Read full card review)
Chase Sapphire Reserve® Luxury travel 4.5 / 5
(Read full card review)
Southwest Rapid Rewards® Plus Credit Card Best Southwest starter card 3.7 / 5
(Read full card review)
Southwest Rapid Rewards® Premier Credit Card Best Southwest value card 3.7 / 5
(Read full card review)
Southwest Rapid Rewards® Priority Credit Card Best overall Southwest card 3.6 / 5
(Read full card review)

A closer look at our top-rated Chase cards

Chase Sapphire Preferred® Card

Best all-around travel card

  • This card is best for: Someone who likes to travel, but doesn’t want the stress of out-earning a high annual fee.
  • This card is not a great choice for: Frequent travelers who are interested in high-end luxury perks like airport lounge access.
  • What makes this card unique? The great welcome offer: Earn 60,000 bonus points after spending $4,000 in your first three months of holding an account — a $750 value when redeemed for travel through Chase Ultimate Rewards. Also, points don’t lose value if you decide to transfer to one of Chase’s many airline or hotel partners.
  • Is the Chase Sapphire Preferred® Card worth it? The 25-percent bump your points receive for travel in the rewards portal is what really makes this card worthwhile. You’ll earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more. Also, electing to redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards take them to another level. The value of these rewards and the lucrative sign-up bonus can surpass the $95 annual fee.

Read our full Chase Sapphire Preferred® Card review.
Jump back to offer details.

Chase Freedom Unlimited®

Best flat-rate cash back card

  • This card is best for: Someone who wants a well-rounded, consistent cash back card.
  • This card is not a great choice for: International travelers. You can earn generous rewards booking travel through Chase, but this isn’t the best card for going abroad — foreign transactions come with a 3 percent fee.
  • What makes this card unique? With the Freedom Unlimited, you have the flexibility to redeem your rewards for both cash back and travel through Chase Ultimate Rewards. Also, the card features a 15-month 0% introductory APR on purchases (14.99 – 24.74% variable APR after that), giving you some leeway if you carry a month-to-month balance early on.
  • Is the Chase Freedom Unlimited worth it? This is one of the most versatile no-annual-fee cards on the market, making it worthwhile for most people. For starters, you can earn a $200 bonus when spending $500 in your first three months, plus you’ll take advantage of 5 percent cash back on grocery store purchases in your first year (not including Target® or Walmart® purchases, on up to $12,000 spent). And to keep the rewards coming, you’ll earn 5 percent cash back on travel purchased through Chase Ultimate Rewards, 3 percent back on dining and drugstore purchases and 1.5 percent back elsewhere. Pairing this card with the Chase Sapphire Preferred or the Chase Sapphire Reserve is a great way to maximize what Chase has to offer.

Read our full Chase Freedom Unlimited® review.
Jump back to offer details.

Ink Business Preferred® Credit Card

Best for business travel

  • This card is best for: Small-business owners on the hunt for travel rewards and an impressive sign-up bonus. You can earn 100,000 bonus points if you spend $15,000 on purchases in your first three months. You’ll also earn 3X points on up to $150,000 worth of combined purchases within each account anniversary year on travel and select business categories (then 1X points). The 3X bonus categories include travel, shipping, internet, cable, phone services and social media and search engine advertising.
  • This card is not a great choice for: Those who refuse to pay an annual fee. The Ink Business Preferred requires $95 per year to be a cardholder.
  • What makes this card unique? Its high-end rewards rates alone make this card valuable for the right small business, but the variety of redemption options make it uniquely valuable for business travelers. You can redeem points for 25 percent more value for travel through the Chase Ultimate Rewards® portal, and also have the option to transfer your points to airline and hotel partners like United, Southwest, British Airways, Marriott and Hyatt.
  • Is the Ink Business Preferred® Credit Card worth it? For travel-happy businesses that do enough spending, absolutely. According to Chase, hitting the requirements for the welcome offer will net you $1,250 worth of travel purchases when redeemed through Chase Ultimate Rewards® (earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.)— enough to pay for the annual fee 13 times over.

Read our full Ink Business Preferred® Credit Card review.
Jump back to offer details.

Ink Business Cash® Credit Card

Best for everyday business purchases

  • This card is best for: Small businesses that regularly spend on office supplies, internet, cable and phone service purchases and at gas stations and restaurants.
  • This card is not a great choice for: Business owners looking for unlimited cash back. The boosted rewards categories have spending caps, and your rate will lower to 1 percent once you reach them.
  • What makes this card unique? Along with the well-tailored bonus categories and free employee cards, this card provides a 0% intro APR offer on purchases for 12 months (13.24 percent to 19.24 percent variable APR thereafter) and a welcome bonus of $750 after spending $7,500 in your first three months.
  • Is the Ink Business Cash® Credit Card card worth it? The 5 percent bonus categories are extremely valuable if your business expenses align (at office supply stores and on internet, cable and phone services each account anniversary year). If you were to max out the $25,000 annual spending cap for that high rate, you would earn $1,250 in cash back ($25,000 x .05 = $1,250) before dropping to the 1 percent rate — a very strong offer for a no annual fee card.

Read our full Ink Business Cash® Credit Card review.
Jump back to offer details.

Ink Business Unlimited® Credit Card

Best for the small-business owner

  • This card is best for: A small-business owner looking for unlimited, flat-rate cash back.
  • This card is not a great choice for: Those looking to earn rewards across several categories. You’ll earn 1.5 percent on all purchases with this card, but if you’d rather earn higher rates in specific categories, the Ink Business Cash® Credit Card is likely a better choice.
  • What makes this card unique? The Ink Business Unlimited lets you add cards for your employees for no additional cost — a coveted perk for small-business credit cards. You can also set individual spending limits on these employee cards.
  • Is the Ink Business Unlimited® Credit Card card worth it? This card features unlimited cash back, a $750 welcome bonus (after spending $7,500 in your first three months), a 12-month introductory 0% APR on purchases (13.24% – 19.24% variable APR thereafter) and other money saving perks, all while avoiding an annual fee. The Ink Business Unlimited is a reliable and well worth it card for the owner of a growing business.

Read our full Ink Business Unlimited® Credit Card review.
Jump back to offer details.

Chase Freedom® Student credit card

Best for students

  • This card is best for: Students and those who don’t meet the credit requirements for other Chase Ultimate Rewards® cards.
  • This card is not a great choice for: Someone with good to excellent credit who can qualify for a higher-earning Chase Ultimate Rewards card, like the Chase Freedom Flex℠.
  • What makes this card unique? This card features several perks designed to appeal to young consumers who are learning the ropes of credit usage, including ​​a $20 Good Standing Reward after each account anniversary for up to 5 years. Also, you’ll earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria.
  • Is the Chase Freedom® Student credit card worth it? With no annual fee and a relatively good cash back rate, this card is worth getting for credit card newcomers. However, those with good to excellent credit may qualify for higher-earning Chase cards, like the Chase Freedom Flex℠ or Chase Freedom Unlimited®.

Read our full Chase Freedom® Student credit card review.
Jump back to offer details.

Chase Freedom Flex℠

Best for cash back in multiple categories

  • This card is best for: A cardholder who wants strong cash back rates across a multitude of categories.
  • This card is not a great choice for: Someone who wants a hands-off rewards card. With this card, you’ll earn heightened rewards in a new bonus category each quarter you enroll, but it’s essential to mark your calendar and remember to activate.
  • What makes this card unique? The number and variety of cash back opportunities the Freedom Flex offers is both valuable and uncommon.
  • Is the Chase Freedom Flex worth it? For those willing to do a little extra work, the potential earnings with this card are huge. On top of the lucrative rates, you can earn a welcome bonus of $200 after spending $500 on purchases in your first three months — all for no annual fee. While your first-year and rotating cash back rates have spending caps, the rest of the bonus categories are unlimited, giving you tons of room to rake in rewards.

Read our full Chase Freedom Flex℠ review.
Jump back to offer details.

Chase Sapphire Reserve®

Best luxury travel card

  • This card is best for: Frequent travelers who want to get the most out of their vacation experiences.
  • This card is not a great choice for: People who want to avoid an annual fee. The Sapphire Reserve’s is steep at $550, and while you can easily surpass that cost with valuable rewards, Chase has plenty of solid options for the fee-averse.
  • What makes this card unique? Each year you’ll get up to $300 in travel statement credits, which is automatically applied to your account when you make a travel purchase. On top of this perk and several additional credits, you can earn 50,000 points if you spend $4,000 in your first three months.
  • Is the Chase Sapphire Reserve® worth it? Frequent flyers and savvy travel card users should have no problem squeezing enough value out of this card, but it may not be the best choice for travel rewards beginners or occasional travelers due to the lofty annual fee. The generous sign-up bonus, Priority Pass™ Select membership, the annual credits, and the 50 percent boost in points when redeeming travel through Chase Ultimate Rewards can make the Sapphire Reserve easily worth it.

Read our full Chase Sapphire Reserve® card review.
Jump back to offer details.

Southwest Rapid Rewards® Plus Credit Card

Best Southwest starter card

  • This card is best for: Loyal Southwest flyers looking to get started with an airline card.
  • This card is not a great choice for: Experienced travelers accustomed to richer perks and bigger cardholder anniversary bonuses. Though this is the most affordable of Chase’s Southwest options, the perks offered at the Premier and Priority level might be better suited for travel aficionados.
  • What makes this card unique? The $69 annual fee is the lowest of any Southwest Rapid Rewards Credit Card. Even so, its 2X rewards rate on Southwest purchases match that of the pricier Rapid Rewards cards.
  • Is the Southwest Rapid Rewards Plus card worth it? For U.S. travelers and beginners to the Southwest Rapid Rewards Program, this is a good choice. You won’t have access to top-tier travel perks and there’s a 3% foreign transaction fee, but the welcome offers, the fact that all points earned with your card count toward Companion Pass, and the rewards rates make it worthwhile.

Read our full Southwest Rapid Rewards® Plus Credit Card review.
Jump back to offer details.

Southwest Rapid Rewards® Premier Credit Card

Best Southwest value card

  • This card is best for: Southwest regulars who want a little more value than what’s offered by the Rapid Rewards Plus.
  • This card is not a great choice for: Someone looking for top-notch travel perks like boarding upgrades and annual travel credits.
  • What makes this card unique?Your rewards rates and sign-up bonus match those of the Rapid Rewards Plus, but your spending will also earn you Tier Qualifying Points (TQP) — a way to get a headstart towards elite status with Southwest.
  • Is the Southwest Rapid Rewards Premier card worth it? For a Southwest customer looking to earn their way to A-list status with the airline, this is a valuable tool to make your travels a little more affordable.

Read our full Southwest Rapid Rewards® Premier Credit Card review.
Jump back to offer details.

Southwest Rapid Rewards® Priority Credit Card

Best overall Southwest card

  • This card is best for: Southwest flyers looking for the top-of-the-line options. You’ll get perks like 25% back on in-flight drinks and Wi-Fi and a yearly cardmember anniversary bonus of 7,500 points.
  • This card is not a great choice for: People who aren’t fully committed to flying with Southwest. You can be rewarded with 4 Upgraded Boardings per year when available, so anything less than four flights a year is a lost opportunity.
  • What makes this card unique? You’ll get 7,500 bonus points, worth a $75 travel credit from Southwest, each year. Also, all points earned count toward Companion Pass®, a valuable addition to the rewards.
  • Is the Southwest Rapid Rewards Priority card worth it? Despite the card’s rewards rates matching the lower tier Rapid Rewards cards, frequent Southwest flyers who make full use of the perks should have little trouble offsetting the $149 annual fee. The sign-up bonus, travel perks and assistance as you work towards elite status make this card a great travel companion.

Read our full Southwest Rapid Rewards® Priority Credit Card review.
Jump back to offer details.


What is the Chase financial company?

JPMorgan Chase & Co. is a global financial services firm based in New York City. With a history that goes back more than 200 years, Chase is one of the oldest financial institutions in the United States.

Services provided by Chase include banking, asset management and financial transaction processing. Chase is recognized as an industry leader in digital banking, thanks in part to the popularity of the Chase Mobile® app.

The firm is also among the country’s largest credit card issuers. Here are some highlights of Chase’s credit card business detailed in its 2020 annual report:

  • Number one U.S. credit card issuer based on sales and outstandings
  • 55 million active digital customers in the U.S. in 2020
  • Serves over 63 million U.S. households and 4.3 million small businesses
  • Number one PPP lender in terms of dollars

Chase offers several different types of credit cards, including high end cards for cash back, travel rewards and business rewards.

Who should get a Chase credit card?

Chase cards come with a wide range of benefits and top-notch rewards. As a rule of thumb, always be sure to check your individual card to confirm its benefits. Many Chase credit cards offer the following:

  • No foreign transaction fees
  • Extended warranties
  • Fraud protection
  • Purchase protection
  • Return protection
  • Trip cancellation/interruption insurance
  • Primary auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation

According to its website, Chase “serves nearly half of U.S. households with a broad range of products.” As a massive international bank, Chase can connect cardholders with a host of financial services and products. Plus, Chase’s prominence as a provider has led to its cards being widely accepted on a worldwide scale. Cardholders can leverage their relationship with the bank for mortgages, auto loans, investment vehicles and more.

Chase Online allows members to handle all their financial transactions in one secure location. Chase Mobile offers mobile access, including mobile deposits and payments — which makes being a Chase cardholder a convenient way to go.

Rewards and travel

In addition to the benefits and accessibility, Chase offers cardholders one of the industry’s signature rewards programs. Chase Ultimate Rewards lets you earn and redeem points for cash back, statement credits, gift cards or travel rewards. Also, you get extra points value when you redeem for travel through Chase Ultimate Rewards if you carry a card like the Chase Sapphire Preferred or Chase Sapphire Reserve.

Chase also lets you connect with several well-known travel loyalty programs. You can use the rewards portal to transfer points at a 1:1 or better rate to JetBlue, Southwest, United, Marriott, Hyatt and more.

Chase Ultimate Rewards also provides opportunities for exclusive deals through Shop Through Chase and Chase Offers.

Pay Yourself Back

Chase began offering the Pay Yourself Back feature in early 2020, allowing cardholders to redeem their rewards on past purchases with better value (typically boosted from 25 to 50 percent). The feature is available with the Sapphire series and other select Chase cards until March 21, 2022. You can select a qualifying purchase made in the past 90 days, then redeem some (or all) of your points from the transaction and receive a statement credit.

Some cards have more flexibility within the program, but as of now the following Chase cards offer Pay Yourself Back:

Bankrate Insight
Chase’s list of travel partners, to which you can transfer points at a 1:1 ratio offers some of the best redemption flexibility in the credit card world. Thanks to their connections, you can move your points to nearly a dozen big-name airline and hotel chains such as Aer Lingus, JetBlue, Southwest, United, Marriott, Hyatt and more, ensuring that you’ll be able to book your desired travel.

Pros and cons of Chase credit cards

Pros

  • Chase offers some of the most valuable rewards rates and sign-up bonuses in the credit card industry.
  • Chase Ultimate Rewards allows cardholders to boost their points’ value when redeeming for travel and has a great reputation as a user-friendly credit card rewards program.
  • Many Chase cards come without annual and foreign transaction fees.
  • Chase’s long list of travel partners and 1:1 points transfer rate give you even more ways to use your points.
  • Because you can transfer points between some accounts, pairing multiple Chase cards together can further increase the value of your redemptions.
  • Offering a versatile catalog of credit cards, Chase gives options for nearly all types of potential cardholders.

Cons

  • With top-notch travel rewards and generous offers, most of Chase’s cards require a good to excellent credit score.
  • Unless you’re willing to familiarize yourself with Chase Ultimate Rewards, you’ll likely never get full value out of one of their credit cards.

How to decide which Chase card is right for you

It’s easier to find an ideal match for a credit card by keeping the focus where it needs to be — on you. Before you start comparing Chase cards, think about how you see yourself as a cardholder and a consumer. Chase credit cards that might match up with your interests and goals include:

Versatile cash back

The Chase Freedom Unlimited is a great choice for earning 1.5 percent cash back on most everyday purchases and even higher rates in other categories such as dining and drugstore purchases and travel purchased through Chase Ultimate Rewards.

Travel rewards

If you’re interested in travel rewards and perks to enrich the overall travel experience, Chase offers the Chase Sapphire Preferred Card and the Chase Sapphire Reserve.

Bonus cash back categories

The Chase Freedom Flex improves on the Freedom Unlimited card’s cash back potential with the addition of rotating bonus categories. You earn 5 percent cash back in these categories on up to $1,500 in purchases each quarter and then 1 percent (activation required).

Small business rewards

Credit cards designed specifically for business use can do things that a personal credit card cannot. The Ink Business Preferred Credit Card is recommended for business travel rewards while the Ink Business Unlimited Credit Card is a solid choice for flat-rate cash back.

Bankrate Insight
Having more than one Chase card in your wallet is the best way to maximize your rewards. It takes some added planning, but savvy cardholders can take advantage of the Chase Trifecta, where you pair flat-rate earning cards with ones that have specialized categories. This strategy gives cardholders access to earn rewards at their highest point, pool points together, and redeem for boosted value.

How can I prepare to apply for my Chase credit card?

When preparing for your application for a Chase credit card, it’s important to keep a few things in mind.

Credit score

A good or excellent credit score (670 – 850) is typically recommended. If you don’t know your current credit score, checking it for free is fairly easy.

If you’re working toward improving your credit score, be aware of how credit card applications can affect it in terms of hard pulls vs. soft pulls. An application that triggers a hard credit inquiry, or hard pull, can temporarily lower your credit score. You can avoid a hard pull by looking for pre-approval offers that use a soft pull.

The 5/24 Rule

In preparation for applying for your Chase card, it’s important to be aware of how many other cards are in your wallet. The 5/24 rule was applied to all Chase cards in June 2016. It states that to be approved, you can’t have opened five or more personal credit card accounts in the 24 months prior to your application.

Be aware that Chase doesn’t track which accounts are no longer open, only the ones you’ve opened within the 24-month window. Access your credit report and track your accounts according to the dates they were opened. This will help you plan ahead.

The 2/30 Rule

According to the 2/30 Rule, you can’t have more than two applications pending every 30 days. If you do, you’ll be automatically rejected. This mainly has to do with the amount of times your credit score is pulled during application.

If you apply for two cards at the same time with the same issuer, your credit score will only be pulled once, which should help you in the process.

How we chose our top Chase credit cards

Bankrate's personal finance experts have evaluated the top Chase credit cards according to our 5-star rating system. The list of criteria includes:

APR

How the card's annual percentage rate (APR) compares with current averages as an indicator of cost and value.

Rewards

Whether the card offers strong rewards for travel points/miles or across multiple categories for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).

Perks and benefits

Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance, luxury benefits and financial management tools.

Annual fee

Whether the card charges an annual fee and if so, how much the card's overall value and benefits might offset the fee.

Introductory offers

Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value.

Foreign transaction fee

Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value.


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

about the author
Upon graduating with a Bachelor’s degree concentrated in Finance, Joey worked at “Big Four” (Ernst and Young) accounting firm before exploring the world of credit cards. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like Bankrate, CreditCards.com and NextAdvisor. Hi...
about the editor
Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.

* 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.