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How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1 – 8% cash back per $1 spent
The Capital One SavorOne Cash Rewards Credit Card offers up to 8% cash back in a variety of popular spending categories, making it our top pick for cash back and rewards credit cards. Its $0 annual fee and high cash back rate make it valuable for almost anyone who spends much on dining, grocery stores and entertainment.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards on gas: up to 5% cash back per $1 spent
You can earn up to $300 back on gas purchases in a year with the Citi Custom Cash® Card if you max out the $500 spending cap every month. So if you’re looking to earn as much as you can at the pump with a dedicated gas card, you’d be hard pressed to find a better option.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards on U.S. supermarkets: 1% – 6% cash back per $1 spent
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back is redeemable for statement credits.
The Blue Cash Preferred® Card from American Express offers one of the best earning rates on U.S. supermarket purchases. If you max out the spending cap, you’ll earn $360 cash back on those purchases alone each year. It’s our pick for the best everyday credit card, as it offers high rates of cash back on common categories like gas, transit and select U.S. streaming subscriptions. Plus, you can easily redeem your cash back for statement credits or at Amazon.com checkout.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Up to $750 value
If you want to earn a sign-up bonus that can cover the cost of your next flight (or two), take a look at the Chase Sapphire Preferred® Card. Jetsetters will love the travel protections, as well as the access to the Chase TravelSM program — which allows you to redeem points with a host of airline and hotel partners.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Restaurant rewards: 3% cash back on dining per $1 spent
It’s hard to find a better rewards rate on restaurants with a $0 annual fee than the Capital One SavorOne Cash Rewards Credit Card. Its elevated 3% earning rate is unlimited — other cards will typically cap their highest earning rate.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Low ongoing interest rate: 14.24% to 25.24% variable APR
If you need to carry a balance from month to month and are looking for the best credit card interest rates, we recommend the BECU Visa Credit Card. It offers one of the lowest APRs of any credit card — 14.24% to 25.24% variable APR. Plus, you’ll get introductory APRs for purchases and balance transfers, which can make paying off credit card debt more affordable.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit needed: Limited / Poor
The Discover it® Secured Credit Card is our pick for the top secured credit card because it offers perks like cash back rewards and a valuable sign-up bonus — rare features for a card geared toward consumers with limited / poor credit. Plus, you can see if you’re preapproved without damaging your credit.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.No deposit required
As far as credit cards go, the AvantCard Credit Card is one of the easiest to get. It’s available to consumers with limited / poor / fair credit and allows you to check if you prequalify without damaging your credit with a hard pull. If you aren’t able to pay off your card every month, though, the high interest rates and late payment fees will make this card an expensive addition to your wallet.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x – 3x points per $1 spent
With the Ink Business Preferred® Credit Card, you’ll earn valuable Chase Ultimate Rewards® points for purchases in common business spending categories like shipping, advertising and travel. Plus, you can pair this card with other Chase cards to pool points and redeem travel rewards.
You’ll also earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 in cash back — or, if you redeem for travel through Chase Travel℠, $1,250 toward your next business trip.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x – 5x points per $1 spent
Frequent flyers will find a lot to love about The Business Platinum Card® from American Express. You’ll get airport lounge access, valuable travel and business credits, as well as the ability to earn a welcome offer that can offset the cost of your next business trip (or two). Plus, you won’t have to worry about foreign exchange fees when you use your card abroad — this card charges none.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: Earn unlimited 1.5% cash back on every purchase made for your business
Busy business owners will appreciate the ease of using the Ink Business Unlimited® Credit Card. You’ll earn unlimited cash back rewards on every purchase, so you won’t have to track bonus categories or spending caps. Plus, you can earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 2% cash back per $1 spent
The Wells Fargo Active Cash® Card is a simple yet valuable cash back card that has a $0 annual fee. Its elevated flat rewards rate can rack up cash back quickly on its own — or complement other cards with different bonus categories.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1 – 5% cash back per $1 spent
The Chase Freedom Flex℠ is our favorite 5% cash back credit card — it offers new bonus categories every quarter, allowing savvy cardholders to maximize their rewards when they pair it with other Chase cards.
It offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1x – 10x points per $1 spent
The Chase Sapphire Reserve® is one of the most valuable travel credit cards out there. It comes with benefits like a $300 travel credit, lounge access and travel protections that help cover the $550 annual fee. It also earns flexible points that can be transferred to partners like JetBlue, Southwest, United, Marriott and Hyatt at a 1:1 ratio.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x – 2x miles per $1 spent
The Delta SkyMiles® Gold American Express Card offers rewards and perks that any frequent flyer will love. You’ll get free checked bags, baggage and car rental insurance and access to the Global Assist® Hotline for travel emergencies.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 3x – 14x points per $1 spent
If you’re looking for an elite card that’ll help you travel in style, the Hilton Honors Aspire Card from American Express fits the bill. You’ll get Hilton Honors Diamond status (enrollment required), Hilton credits, a valuable welcome offer and high rewards rates on a variety of purchases. Note, however, that these perks and benefits come with a hefty annual fee of $550.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1.25x – 5x miles per $1 spent
The Capital One VentureOne Rewards Credit Card allows you to earn miles on every purchase while paying $0 in annual fees. If you want a travel card that allows you to redeem miles for travel, but you don’t want to pay an annual fee in exchange for more valuable perks and benefits, you’d have a hard time finding a better option.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Lounge access: Access to more than 1,400 lounges
With fee credits for Global Entry or TSA PreCheck and access to over 1,400 airport lounges, The Platinum Card® from American Express can make your next trip more comfortable. And the benefits don’t stop at the airport — you’ll get more than $1,000 in travel and experience credits, too. Further, cardmembers can also enjoy elevated perks at high-end hotels, as well as higher elite status with Hilton and Marriott’s programs through their cards (enrollment required).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Automatic reviews: Be considered for a higher credit line in as little as six months
With the Capital One Platinum Credit Card, you’ll get free access to your credit score and pay $0 in annual fees while you build your credit. Plus, you won’t have to put down a security deposit to get the card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1.5 – 5% cash back per $1 spent
If you’re willing to pay a $39 annual fee in exchange for earning cash back on every purchase, consider the Capital One QuicksilverOne Cash Rewards Credit Card. The cash back rates are excellent, considering that the card is available to consumers with limited / fair credit. Plus, you can safely take this card abroad without worrying about paying foreign exchange fees, as there are none.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Long intro APR on purchases: 0% intro APR for 21 months from account opening then a 17.74%, 24.24%, or 29.49% Variable APR applies.
The Wells Fargo Reflect® Card offers one of the longest intro APRs on the market — you’ll have almost two years to pay off a big purchase or balance transfer without accruing any interest.
Purchase APR: 0% intro APR for 21 months from account opening then a 17.74%, 24.24%, or 29.49% Variable APR applies.
Balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers, then a 17.74%, 24.24%, or 29.49% Variable APR applies.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro APR: 0% intro apr for 12 months on purchases, 0% intro apr for 21 months on balance transfers. Then, a 18.74% - 29.49% (variable) APR applies.
The Citi Simplicity® Card is a solid pick for consumers looking for a simple card with long intro APR periods on balance transfers and purchases. You won’t pay much in fees with this card — there are no late fees or penalty APRs — but you also won’t get cash back in the form of rewards or a sign-up bonus.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1 – 5% cash back per $1 spent
Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
If you’re a student beginning your credit journey, the Discover it® Student Cash Back offers the opportunity to build your credit while earning cash back on every purchase — for a $0 annual fee. Plus, if you need to make a large purchase (like a laptop or school books) and pay it off over time, you’ll get a 0% Intro APR for 6 months on purchases (then 17.49% - 26.49% Variable APR).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1% – 3% cash back per $1 spent
The Bank of America® Customized Cash Rewards Credit Card for Students is a solid choice if you’re a student on the lookout for cash back rewards you can tailor to your spending. You’ll earn cash back on all purchases, including up to 3% cash back in certain popular categories. Still, note that you’ll need to pay your bill on time if you want to avoid high interest rates — the card charges a penalty APR for late payments.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Build credit with no deposit or annual fee
The Capital One Platinum Credit Card reports your credit usage to the three major credit bureaus (Equifax, Experian and TransUnion) and automatically begins reviewing your account at six months to see if you qualify for a higher credit limit. Not every card for fair credit offers automatic reviews, so this is an especially helpful feature if you want to build your credit.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1% – 2% cash back per $1 spent
The Discover it® Secured Credit Card offers a slew of perks and features for people who want to build credit. You can check your FICO Score for free. In addition, Discover starts conducting monthly account reviews to determine if you’re eligible for an upgrade to an unsecured card after just seven months. In the meantime, you’ll earn cash back rewards and pay $0 in annual fees.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Long intro APR on balance transfers: 0% intro APR for 18 months on Balance Transfers. After, a 18.74% - 28.74% (Variable) APR applies.
The Citi Double Cash® Card has an intro APR that gives you more than a year to pay off your balance transfer. Plus, it has a rewards program, which makes the card worth having in your wallet for years to come.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro APR on balance transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers. After, a 17.74%, 24.24%, or 29.49% Variable APR applies.
The Wells Fargo Reflect® Card is an excellent choice if you’re looking for a card that’ll give you the most time possible to pay off your balance transfer. You’ll have almost two years to pay off your balance, but you won’t have to pay anything in annual fees — the card charges $0.
Credit Cards | Our Ratings | Rewards Rate | Annual Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
---|---|---|---|---|---|
Capital One SavorOne Cash Rewards Credit Card*
|
Best rewards and cash back credit card
|
1% - 8% Cash Back
| $0 | Good / Excellent | |
Citi Custom Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
Best credit card for gas
|
1% - 5% cash back
| $0 | Good / Excellent |
Apply Now
on Citibank's secure site Rates & Fees |
Blue Cash Preferred® Card from American Express
|
Best credit card for groceries
|
1% - 6% cash back
| $0 intro annual fee for the first year, then $95. | Good / Excellent | |
Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site |
Best credit card sign-up bonus
|
1X - 5X points
| $95 | Excellent |
Apply Now
on Chase's secure site |
Capital One SavorOne Cash Rewards Credit Card*
|
Best credit card for restaurants
|
1% - 8% Cash Back
| $0 | Good / Excellent | |
BECU Visa Credit Card*
Learn More
on Boeing Employee's Credit Union's secure site |
3.5
Best low-interest credit card
|
N/A | $0 | N/A |
Learn More
on Boeing Employee's Credit Union's secure site |
Discover it® Secured Credit Card*
|
Best credit card for bad credit, best secured credit card to build credit
|
1% - 2% cash back
| $0 | Limited / Poor | |
AvantCard Credit Card
Apply Now
on Avant's secure site |
Easiest unsecured credit card to get
|
N/A | $59 | Limited / Poor / Fair |
Apply Now
on Avant's secure site |
Ink Business Preferred® Credit Card
Apply Now
on Chase's secure site |
Best business travel credit card
|
1x - 3x points
| $95 | Excellent |
Apply Now
on Chase's secure site |
The Business Platinum Card® from American Express
|
Best business travel credit card
|
1X - 5X points
| $695 | Good / Excellent | |
Ink Business Unlimited® Credit Card
Apply Now
on Chase's secure site |
Best cash back business credit card
|
1.5% cash back
Earn unlimited 1.5% cash back on every purchase made for your business
| $0 | Good / Excellent |
Apply Now
on Chase's secure site |
Wells Fargo Active Cash® Card*
|
2% cash back credit card
|
2% cash rewards
Earn unlimited 2% cash rewards on purchases
| $0 | Good / Excellent | |
Chase Freedom Flex℠*
|
5% cash back credit card
|
1% - 5% cash back
| $0 | Good / Excellent | |
Chase Sapphire Reserve®
Apply Now
on Chase's secure site |
Best travel credit card
|
1X - 10X points
| $550 | Excellent |
Apply Now
on Chase's secure site |
Delta SkyMiles® Gold American Express Card*
|
Best airline credit card
|
1X - 2X miles
| $0 introductory annual fee for the first year, then $150. | Good / Excellent | |
Hilton Honors Aspire Card from American Express*
|
Best hotel credit card
|
3X - 14X points
| $550 | Good / Excellent | |
Capital One VentureOne Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
Best no-annual-fee travel credit card
|
1.25X - 5X Miles
| $0 | Good / Excellent |
Apply Now
on Capital One's secure site Rates & Fees |
The Platinum Card® from American Express
|
Best credit card for lounge access
|
5X points
| $695 | Good / Excellent | |
Capital One Platinum Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
Best credit card for fair credit
|
N/A | $0 | Limited / Fair |
Apply Now
on Capital One's secure site Rates & Fees |
Capital One QuicksilverOne Cash Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
Runner-up, Best credit card for fair credit
|
1.5% - 5% Cash Back
| $39 | Limited / Fair |
Apply Now
on Capital One's secure site Rates & Fees |
Credit Cards | Our Ratings | Rewards Rate | Annual Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
---|---|---|---|---|---|
Wells Fargo Reflect® Card*
|
Longest 0% APR credit card
|
N/A | $0 | Good / Excellent | |
Citi Simplicity® Card
Apply Now
on Citibank's secure site Rates & Fees |
Runner-up, best credit card with a 0% APR
|
N/A | $0 | Good / Excellent |
Apply Now
on Citibank's secure site Rates & Fees |
Discover it® Student Cash Back*
|
Best credit card for students
|
1% - 5% cash back
| $0 | Limited / Fair | |
Bank of America® Customized Cash Rewards Credit Card for Students*
|
Runner-up, best credit card for students
|
1% - 3% cash back
| $0 | Good / Excellent | |
Capital One Platinum Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
Best credit card to build credit
|
N/A | $0 | Limited / Fair |
Apply Now
on Capital One's secure site Rates & Fees |
Discover it® Secured Credit Card*
|
Best secured credit card to build credit
|
1% - 2% cash back
| $0 | Limited / Poor | |
Citi Double Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
Best credit card for balance transfer
|
2% - 5% cash back
| $0 | Fair / Good / Excellent |
Apply Now
on Citibank's secure site Rates & Fees |
Wells Fargo Reflect® Card*
|
Runner-up, best credit card for balance transfer
|
N/A | $0 | Good / Excellent |
When comparing credit cards, consider which benefits and features matter most to you and which drawbacks — like fees and high interest rates — you can live with.
Rewards: Most people can benefit from credit cards that earn rewards in the form of cash back or points. When comparing credit cards, choose a card that offers rewards for spending money on categories that make up a large chunk of your monthly budget. If you’re choosing a card for building credit like a secured or student credit card, having a rewards rate at all is a major plus.
Sign-up bonuses: Many credit cards offer bonuses in the form of cash or points in order to get more people to apply for the card. You’ll likely have to spend a specified amount of money within the first three to six months in order to earn the sign-up bonus.
Travel insurance/protection: Travel cards often offer benefits that reimburse you for your trouble when something goes wrong on your trip. Common benefits include trip cancellation/interruption insurance, baggage delay insurance and emergency assistance services.
Concierge service: Concierge services can help you make arrangements for travel, restaurants, entertainment and more.
$0 fraud liability: If your card is stolen and used to purchase something, you won’t be held liable for the charge when your card has this feature.
Purchase protection: Cards with purchase protection will reimburse you if a purchase you made with your card is damaged or stolen. This protection is typically limited to a certain period of time and up to a particular amount.
You can check the card issuer’s website or the card’s terms and conditions to see if a particular card offers any of these benefits.
Annual fee: This is the fee you pay every year for having the card. Some cards don’t have an annual fee, but the ones that do typically charge between $95 and $695. In order to get some of the best benefits listed above, you might have to pay an annual fee.
High APRs: Annual percent rates (APRs) are what cards charge you when you don’t pay your entire credit card balance every month — think of them as the cost of borrowing money. Interest rates may not be an important factor for you if you pay off your card every month. However, if you plan to carry a balance, you should choose a card with low interest rates.
Foreign transaction fee: Some credit cards charge a fee for using your card outside of the U.S. Cards that have foreign transaction fees typically charge 3% to 5% of each transaction.
Balance transfer fee: This is the fee for transferring a balance onto a new card — it’s typically 3% to 5% of the balance, with a minimum of $5 to $10.
Cash advance fee: This is the fee for using your credit card to get cash, typically 5% of each cash advance. You also may be subject to a cash advance APR, which is higher than regular interest rates.
Authorized user fee: When you add authorized users to your account, they’ll be able to make charges. Some cards allow you to add your first few authorized users for free, then charge a fee per authorized user after you pass that number.
Before you apply for a card, you can check the terms and conditions on the issuer’s website. You should also make sure that your credit score makes you likely to qualify for the card you’re interested in.
The best card for you will give you more value in benefits and features than it costs you in fees and interest. Common credit card benefits include rewards on everyday purchases, travel insurance/protection, hotel or entertainment credits and concierge service. Many consumers avoid cards with annual fees, but several of our favorite cards make up for charging an annual fee by offering more value in rewards and benefits.
If you’re new to credit or rebuilding your credit, you might not qualify for some of the best rewards credit cards. Look for cards with benefits like low interest rates, availability to people with bad credit and regular account reviews to increase your credit limit.
Read more about our picks for the best credit cards for limited or no credit history.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Capital One SavorOne Cash Rewards Credit Card, BECU Visa Credit Card, Discover it® Secured Credit Card, Wells Fargo Active Cash® Card, Chase Freedom Flex℠, Delta SkyMiles® Gold American Express Card, Hilton Honors Aspire Card from American Express, Wells Fargo Reflect® Card, Discover it® Student Cash Back and Bank of America® Customized Cash Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
Lauren Nicholson is a staff writer at LendingTree, where she covers personal loans, credit cards and auto loans. She has written popular LendingTree articles including the Best Unsecured Loans and the Easiest Credit Cards to Get. Lauren was also responsible for developing the rating methodologies for Preapproved Car Loans and the Best Used Car Websites.
As someone who does an inordinate amount of research before making financial decisions, Lauren particularly enjoys writing reviews of financial products. She believes that when consumers have enough information, they will choose the right loans or credit cards — and keep more money in their wallets.
Before joining LendingTree, she worked in the education sector as a college counselor and marketing associate. Lauren is passionate about using clear, concise language to empower readers as they make important financial decisions.
“My four-year-old son has recently shown an interest in money. I’ll sometimes chat with him about the basics, but I wasn’t sure how much he was retaining until he offered to sell me a piece of his pizza for $100,000 at dinner last week. When I countered with $2, he told me I could ‘just get a loan’ to pay him the full $100,000.”
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