dcsimg
 

Best Credit Cards of 2014

Best credit cards for holiday shopping
With a clear budget and a plan to maximize your
rebates, consider the potential for these
high-quality credit cards to help you manage
your holiday spending.
 

Best Credit Cards By Category As Selected By Our Editors:

Best Rewards Points Credit Card

Citi ThankYou® Premier Card

Editor's Rating

  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology

See more

Apply Now Credit Needed: Excellent
Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

13.99% - 22.99%* Variable

Annual Fee

$125

$125; fee waived for the first 12 months*

Chase Sapphire Preferred® Card

Editor's Rating

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards℠.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

See more

Apply Now Credit Needed: Excellent
Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Annual Fee

$0

Introductory Annual Fee of $0 the first year, then $95

Best Travel Rewards Credit Card

Barclaycard Arrival Plus™ World Elite MasterCard®

Editor's Rating

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers

See more

Apply Now Credit Needed: Excellent
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

for 12 months*

Purchase Intro

APR: N/A

Purchase APR

14.99% or 18.99%* Variable

Annual Fee

$89 - Waived first year

Best Cash Back Credit Card

Fidelity® Investment Rewards® American Express® Card

Editor's Rating

  • Earn 2% cash back on purchases each time you use your card when you direct your deposit into your eligible Fidelity account: every $2,500 spent equals a $50 deposit.

See more

Learn More Credit Needed: Excellent
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

7 billing_cycles

Purchase Intro

APR: None

Purchase APR

13.99% Variable

Annual Fee

None

Best Student Credit Card

Discover it® chrome for Students with $20 Cashback Bonus

Editor's Rating

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Free FICO® Credit Score online and on your monthly statements so you can track your score’s progress*
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.- based customer service—anytime, day and night
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

See more

Apply Now Credit Needed: Fair
Balance Transfer Intro APR

10.99%

Balance Transfer Intro Period

6 months

Purchase Intro

APR: N/A

Purchase APR

12.99% - 21.99% Variable*

Annual Fee

$0

Best Low Interest Credit Card

Simmons Bank Visa® Platinum

Editor's Rating

  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee

See more

Apply Now Credit Needed: Excellent
Balance Transfer Intro APR

7.25% Variable

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 7.25% Variable

Period: N/A

Purchase APR

7.25% Variable

Annual Fee

$0

First Command Bank Platinum Visa® Card

Editor's Rating

  • Same low, variable APR of prime rate +3% for purchases, cash advances and balance transfers
  • Minimum credit limit of $5,000
  • No annual fee, over-limit fee, balance transfer fee or online account access fee
  • Free ScoreCard™ rewards program earns points redeemable for air travel, hotels, vacation packages, cruises, rental cars, gift certificates and merchandise

See more

Learn More Credit Needed: Excellent
Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Purchase Intro

APR: None

Purchase APR

6.25% Variable

Annual Fee

None

Best Balance Transfer Credit Card

Chase Slate®

Editor's Rating

  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • Pay less interest. Save on balances and new purchases.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee.
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.

See more

Apply Now Credit Needed: Excellent
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Purchase Intro

APR: 0%

Period: 15 months

Purchase APR

12.99%, 17.99%, or 22.99% Variable

Annual Fee

$0

PenFed Promise Visa® Card

Editor's Rating

  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
  • No late fee
  • No penalty APR
  • APR for Purchases - 7.49% introductory APR for 36 months. After that, your APR will vary with the market based on the Prime Rate, and is currently 9.99%.
  • APR for Cash Advances - 9.99%. Your APR will vary with the market based on the Prime Rate.
  • APR for Balance Transfers - 4.99% promotional rate for 12 Months on transfers made from November 01, 2014 through December 31, 2014 with no balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. This transaction is subject to credit approval.
  • Chip Enabled for Added Security

See more

Apply Now Credit Needed: Excellent
Balance Transfer Intro APR

4.99%

Balance Transfer Intro Period

12 Months on transfers made from November 01, 2014 through December 31, 2014 with no balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%.

Purchase Intro

APR: 7.49%

Period: Intro purchase APR for 36 months. After that, the APR will vary with the market based on the Prime Rate, and is currently 9.99%

Purchase APR

9.99% Variable

Annual Fee

$0

Best Poor Credit Credit Card

DCU Visa® Platinum Secured Credit Card

Editor's Rating

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
  • No Annual Fee
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection On Your DCU Checking
  • Buy online easily and safely with V.me by Visa

See more

Learn More Credit Needed: Limited
Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Purchase Intro

APR: None

Purchase APR

11.50% Variable

Annual Fee

None

USAA Secured Credit Card

Editor's Rating

  • It's a real credit card — not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply — you'll also be opening a USAA 2-year Certificate of Deposit , an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD — your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit — opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.*

See more

Learn More Credit Needed: Limited
Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Purchase Intro

APR: None

Purchase APR

9.90% Variable

Annual Fee

$35

See How Your Card Stacks Up

Could you be getting better rewards and rates with another card? Find out.

 
About the Editor
Curtis Arnold

CardRatings Founder: Curtis Arnold

Curtis Arnold, a nationally recognized consumer educator and advocate, has been educating consumers about credit cards since 1998. Curtis is the author of "How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line" (FT Press, 2008). He is a... Read Curtis Arnold Bio.

CardRatings in the news
The Wall Street Journal | MSNBC | CNN | FOX Business | USA Today