This year's Editor's Choice awards reflects the best deals for Americans seeking to maximize credit card rewards as well as those hoping to eliminate debt.
We often hear from readers who simply ask, "Which credit card is best for me?" Without knowing more about you and your financial situation, it's difficult to provide a straightforward answer to that question.
The best credit card for your neighbor might not fit your own lifestyle. The lowest interest rate may not be important to you if you're going to pay off your card every month. If you're carrying a balance, the best rewards points program may not save you much money if you're paying a higher interest rate for those perks. That's why it's important to ask yourself how you intend to use the credit card before starting to compare offers.
Our editorial team spends time every day reviewing the latest credit card deals from across the country. We highlight a handful of credit card offers from each category that we think provide the very best value for your money. The best deals of 2015 are sorted into a number of categories to help you find the best card to suit a specific need. The best low-interest cards will offer the lowest rate, the best cash-back cards will offer the highest percentage of cash back, and so on.
Have excellent credit and looking for a solid, no-frills card? This regional bank offers some of the country's best low-interest credit cards with something that most elite credit cards don't provide: free balance transfers.
This card features an attractive 0% introductory rate on balance transfers and purchases for 15 months. As an introductory offer, transfer your higher-rate balances during the first 60 days your account is open you will pay no balance transfer fee.
Amber has been researching the credit card industry for more than nine years and has been interviewed by members of the national media including USA Today, The New York Times, Time, TheStreet.com, and The Chicago Tribune. Amber became passionate about personal finance after overcoming difficulties with her own credit.
Curtis, 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 regularly interviewed by respected members of the press.