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Our editor's picks for best credit cards

Best rewards points credit card

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Interested in earning something extra for your everyday purchases? Those with good-to-excellent credit who pay their bill in full each month will get the most out of a rewards credit card. Before you choose the best reward credit card for your needs, you should think about how you spend your money and which rewards are most meaningful to you. The best rewards credit cards give you the most points for the least amount of spending, allow you to amass points without fear of expiration, offer a wide array of appealing, easy-to-use redemption options and, in some cases, even waive the annual fee for the first year (or don’t charge one in the first place)

Citi ThankYou® Premier Card

  • Earn up to 50,000 bonus ThankYou(R) 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
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

  • 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
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

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These cards allow you to amass rewards flights, hotel stays and other travel perks by earning points or miles on everyday purchases. Those with good-to-excellent credit who pay their bill in full each month will get the most out of a travel rewards credit card, as interest charges can quickly negate any rewards you earn. You want a travel rewards card in your wallet that charges no annual fee or at least waives it at first , charges no foreign transaction fees, gives you flexibility in earning and redemption options, and sweetens the deal with a great sign-up bonus.

Barclaycard Arrival Plus™ World Elite MasterCard®

  • 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(R) Credit Score access for Barclaycard Arrival Cardmembers
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

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Cash-back credit cards are popular for good reason, and smart spending with the best cards in this category can help you earn cash back on most, if not all, of your everyday purchases. We take cash-back earning caps, annual fees and purchase APRs into consideration. Cards offering easy redemption with multiple options (statement credits, merchandise and gift cards, travel bookings) and tempting sign-up bonuses also make this list.

Fidelity® Investment Rewards® American Express® Card

  • 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.
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

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Discover it® chrome for Students with $20 Cashback Bonus

  • 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(R) 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(R) Credit Score terms and other info by clicking “Apply.”
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

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The best low-interest credit cards enable those paying off debt to do so without massive finance charges because more of each bill payment goes toward eliminating the balance than to interest payments. We weigh the introductory APR of each card and how long that rate lasts, as well as a card’s everyday purchase APR, and whether or not a card has annual fees.

First Command Bank Platinum Visa® Card

  • 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
Balance Transfer Intro APR None
Balance Transfer Intro Period None
Purchase Intro APR: None
Purchase APR 6.25% Variable
Annual Fee None

Simmons Bank Visa® Platinum

  • 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
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

Best balance transfer credit card

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Interested in taking charge of your finances by knocking out credit card debt? With proper use, the right balance-transfer credit card can help you make some serious debt-reduction progress. Factors we consider include the introductory APR and how long that introductory period lasts; the interest rate for new purchases and the remaining balance after the introductory period ends ; and the fee to make the transfer, if one applies.

Chase Slate®

  • $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.
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

  • 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
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

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Smart use of the right card can help you rebuild your credit. Consumers with a poor credit score have several options for credit cards, depending on their credit score. Some customers will need to apply for a secured credit card with a guaranteed approval in order to rebuild their credit. Others can qualify for an unsecured credit card that usually will carry a higher-than-normal interest rate, a high annual fee or a low credit line. The best cards in this category charge lower-than-average rates and fees while also throwing in some extra perks.

USAA Secured Credit Card

  • 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.*
Balance Transfer Intro APR None
Balance Transfer Intro Period None
Purchase Intro APR: None
Purchase APR 9.90% Variable
Annual Fee $35

DCU Visa® Platinum Secured Credit Card

  • 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
Balance Transfer Intro APR None
Balance Transfer Intro Period None
Purchase Intro APR: None
Purchase APR 11.50% Variable
Annual Fee None
About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.

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Meet our editors

Amber Stubbs
Amber Stubbs
CardRatings Editor

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 Arnold
Curtis Arnold
CardRatings Editor

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.