27 Best Credit Cards

There are many banks and credit card providers which claim to provide the best credit cards based on your requirements and lifestyle. We have investigated some of the best credit cards by comparing  the best credit card reward schemes, credit card payment options, credit card interest rates and much more.

 

Best Credit Cards Chase Freedom Unlimited

1. Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited is a simple yet rewarding credit card with no annual fee.

Chase Freedom Unlimited credit card interest rate

  • Regular APR (%):  16.49% – 25.24% Variable
  • Annual Fee:  $0
  • Rewards Earning Rate:  Earn unlimited 1.5% cash back on every purchase.
  • Intro Purchase APR:  0% for 15 Months
  • Foreign Transaction Fee (%):  3%

Chase Freedom Unlimited credit card reward scheme (issued as points) which can be used for

  • Book travel
  • Shop Online
  • Purchase gift cards

Chase Freedom Unlimited credit card is

  • Best overall
  • Best for cash-back rewards
  • Best with no annual fee

Chase Freedom Unlimited Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

High rewards rate and no minimum redemption

 

 

No bonus rewards categories

 

Review

Chase Freedom Unlimited Credit Card offers an excellent combination of easy-to-earn rewards, flexible redemption options, a solid sign-up bonus and more — at an annual fee of $0.

 

Best Credit Cards Wells Fargo Cash Wise Visa

2. Wells Fargo Cash Wise Visa Credit Card

Wells Fargo Cash Wise Visa Card offers cardholders unlimited 1.5% cash back on all purchases, no annual fee, and a 15-month-long introductory 0% purchase and balance transfer APR for new cardholders. 

Wells Fargo Cash Wise Visa credit card interest rate

  • Regular APR (%): 14.99% – 26.99% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 1.5% cash rewards on everyday purchases
  • Intro Purchase APR: 0% for 15 Months
  • Foreign Transaction Fee (%): 3%

Wells Fargo Cash Wise Visa credit card is

  • Best overall

Wells Fargo Cash Wise Visa credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

Sign-up bonus

 

 

$25 minimum redemption

 

Review

Wells Fargo Cash Wise Visa Credit Card  is top-notch overall but there are minimum redemption thresholds.

 

Best Credit Cards Chase Sapphire Preferred

3. Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred Card offers new cardholders the best range of features amongst top-ranking Visa cards.

Chase Sapphire Preferred credit card interest rate

  • Regular APR (%):  17.49% – 24.49% variable
  • Annual Fee:  $95
  • Rewards Earning Rate:  2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Intro Purchase APR:  N/A
  • Foreign Transaction Fee (%):  0%

Chase Sapphire Preferred credit card is

  • Best Bonus for New Cardholders

Chase Sapphire Preferred credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

No foreign transaction fees

 

 

Costly annual fee

 

Review

Chase Sapphire Preferred Credit Card is one of the best travel cards available on the market today, offering 2X points on travel and dining and 1 point on every $1 spent on any and everything else.

 

Best Credit Cards Journey Student Rewards from Capital One

4. Journey Student Rewards from Capital One Credit Card

Journey Student Rewards from Capital One is a great learning tool for those new to owning a credit card and encourages smart habits.

Journey Student Rewards from Capital One credit card interest rate

  • Regular APR (%): 26.99% variable
  • Annual Fee:  $0
  • Rewards Earning Rate: Earn 1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time.
  • Intro Purchase APR:  N/A
  • Foreign Transaction Fee (%):  0%

Journey Student Rewards from Capital One credit card is

  • Best for Students

Journey Student Rewards from Capital One credit card Recommended Credit Score

  • 580 – 850: Fair to Excellent

Pros

Cons

 

No foreign transaction fees

 

 

High APR

 

Review

Journey Student Rewards from Capital One Credit Card allows cardholders to build credit all while earning great rewards for punctual payments.

 

Best Credit Cards Capital One VentureOne Rewards

5. Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card is a great choice for the cost-conscious traveller.

Capital One VentureOne Rewards credit card interest rate

  • Regular APR (%): 14.49% – 24.49% variable
  • Annual Fee:  $0
  • Rewards Earning Rate: Earn 1.25 miles per dollar on every purchase.
  • Intro Purchase APR: 0% for 12 Months
  • Foreign Transaction Fee (%):  0%

Capital One VentureOne Rewards advantages

  • No foreign transaction charges
  • No annual fee
  • 1.25-mile-per-dollar earning rate on every purchase

Capital One VentureOne Rewards credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

Flexible rewards redemption

 

 

Other no-annual-fee cards offer a better flat rewards rate

 

Review

Capital One VentureOne Rewards Credit Card offers some convincing benefits BUT other no-annual-fee cards offer higher ongoing rewards and larger sign-up bonuses.

 

Best Credit Cards Chase Sapphire Reserve

6. Chase Sapphire Reserve Credit Card

Chase Sapphire Reserve offers cardholders generous rewards, premium travel benefits, airport lounge access, primary rental car insurance and Global Entry/TSA Precheck application fee reimbursement.

Chase Sapphire Reserve credit card interest rate

  • Regular APR (%): 18.49% – 25.49% variable
  • Annual Fee:  $550
  • Rewards Earning Rate: Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases.
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%):  0%

Chase Sapphire Reserve credit card is

  • Best for luxury travelers

Chase Sapphire Reserve credit card Recommended Credit Score

  • 800 – 850: Excellent

Pros

Cons

 

High rewards rate

 

 

High Annual Fee

 

Review

Chase Sapphire Reserve Credit Card is an excellent premium travel credit card, that combines perks and rewards extremely effectively. 

 

Best Credit Cards PenFed Power Cash Rewards Visa Signature

7. PenFed Power Cash Rewards Visa Signature Credit Card

PenFed Power Cash Rewards Visa Signature Card offers cardholders a very low ongoing APR of 11.74% for the most creditworthy applicants. Note: PenFed membership is required, but anyone can join with a minimum expense.

PenFed Power Cash Rewards Visa Signature credit card interest rate

  • Regular APR (%): 11.74% – 17.99% variable
  • Annual Fee:  $0
  • Rewards Earning Rate: Earn 1.5% Cash Back on all purchases made with your card, and 2% Total Cash Back for PenFed Honors Advantage Members.
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%):  0%

PenFed Power Cash Rewards Visa Signature credit card is

  • Best with a Low Ongoing APR

PenFed Power Cash Rewards Visa Signature credit card Recommended Credit Score

  • 800 – 850: Excellent

Pros

Cons

 

Flexible cash redemption options

 

 

Excellent Credit

 

Review

PenFed Power Cash Rewards Visa Signature Credit Card offers cardholders the full benefit of earning excellent rewards.

 

Best Credit Cards Ink Business Preferred

8. Ink Business Preferred Credit Card

Ink Business Preferred Credit Card offers new cardholders a competitive bonus and cardholders will earn points on a wide range of business expenses.

Ink Business Preferred credit card interest rate

  • Regular APR (%): 17.49% – 22.49% variable
  • Annual Fee:  $95
  • Rewards Earning Rate: Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%): N/A
  • Cash Advance APR (%): 26.49%
  • Cash Advance Fee: Either $15 or 5% of the amount of each transfer, whichever is greater.

Ink Business Preferred credit card is

  • Best for Businesses

Ink Business Preferred credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

Redeem points for travel

 

 

Bonus cash-back categories may not suit all business needs

 

Review

Even though the Ink Business Preferred Credit Card has a modest annual fee but the large signup bonus more than makes up for it.

 

Best Credit Cards Chase Slate

9. Chase Slate Credit Card

Ink Business Preferred Credit Card offers new cardholders a competitive bonus and cardholders will earn points on a wide range of business expenses.

Chase Slate credit card interest rate

  • Regular APR (%):  16.49% – 25.24% variable
  • Annual Fee:  $0
  • Rewards Earning Rate:  $0 intro fee for the first 60 days your account is open, then either $5 or 5%, whichever is greater.
  • Intro Purchase APR:  0% for 15 Months
  • Foreign Transaction Fee (%):  N/A
  • Cash Advance APR (%):  N/A
  • Cash Advance Fee:  N/A

Chase Slate credit card is

  • Best for Balance Transfers

Chase Slate credit card Recommended Credit Score

  • 580 – 850: Fair to Excellent

Pros

Cons

 

No Annual Fee

 

 

No rewards

 

Review

Chase Slate Credit Card doesn’t offer cardholders a rewards program and is solely for refinancing high-interest credit card debt.

 

Best Credit Cards Wells Fargo Platinum

10. Wells Fargo Platinum Credit Card

Ink Business Preferred Credit Card offers new cardholders a competitive bonus and cardholders will earn points on a wide range of business expenses.

Wells Fargo Platinum credit card interest rate

  • Regular APR (%): 16.49% – 25.99% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Intro fee of 3% ($5 minimum) for the first 120 days your account is open, then 5% ($5 minimum).
  • Intro Purchase APR: 0% for 18 Months
  • Foreign Transaction Fee (%): N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A

Wells Fargo Platinum credit card is

  • Best for Balance Transfers

Wells Fargo Platinum credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

No Annual Fee

 

 

No rewards

 

Review

Wells Fargo Platinum Credit Card doesn’t offer cardholders a rewards program but offers attractive features if cardholders are looking to make down-payments on credit card debt, including an APR of 0% APR for 18 months on both purchases and balance transfers.

 

Best Credit Cards Capital One Quicksilver Cash Rewards

11. Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card successfully combines rewards with low fees making it a top-choice for financing large purchases.

Capital One Quicksilver Cash Rewards credit card interest rate

  • Regular APR (%): 15.49% – 25.49% variable
  • Annual Fee: $0
  • Rewards Earning Rate: 1.5% cash back on every purchase, every day.
  • Intro Purchase APR: 0% for 15 Months
  • Foreign Transaction Fee (%): 0%
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A

Capital One Quicksilver Cash Rewards credit card is

  • Best for Balance Transfers
  • Best for Financing Large Purchases
  • Best for Cash-Back Rewards

Capital One Quicksilver Cash Rewards credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

High rewards rate and no minimum redemption

 

 

Other cards have longer 0% periods

 

Review

Capital One Quicksilver Cash Rewards Credit Card is a no-frills cash-back credit card, with a simple 1.5% rewards rate on every purchase.

 

Best Credit Cards Discover it Balance Transfer

12. Discover it Balance Transfer Credit Card

Capital One Quicksilver Cash Rewards Credit Card successfully combines rewards with low fees making it a top-choice for financing large purchases.

Discover it Balance Transfer credit card interest rate

  • Regular APR (%): 13.49% – 24.49% variable
  • Annual Fee: $0
  • Rewards Earning Rate: N/A
  • Balance Transfer Fee: 3% if completed by June 10, 2020, and up to 5% for transfers made thereafter.
  • Intro Purchase APR: 0% for 18 Months
  • Foreign Transaction Fee (%): N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A

Discover it Balance Transfer credit card is

  • Best for Balance Transfers

Discover it Balance Transfer credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

No Annual Fee

 

 

Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue

 

Review

Discover it Balance Transfer Credit Card is a perfect package deal for those who wants to save on interest while paying off their debt.

 

Best Credit Cards Wells Fargo Propel American Express

13. Wells Fargo Propel American Express Credit Card

Wells Fargo Propel American Express Card wide-ranging and generous bonus categories plus earn 3 Go Far Rewards points per $1 spent on

Wells Fargo Propel American Express credit card interest rate

  • Regular APR (%): 14.99% – 26.99% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 3X points for eating out and ordering in, gas stations, rideshares, transit, and for travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Balance Transfer Fee: N/A
  • Intro Purchase APR: 0% for 12 Months
  • Foreign Transaction Fee (%): 0%
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A

Wells Fargo Propel American Express credit card is

  • Best for Cash-Back Sign-Up Bonus

Wells Fargo Propel American Express credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

No Annual Fee

 

 

American Express isn’t accepted at as many merchants as Visa or Mastercard

 

Review

With Wells Fargo Propel American Express Credit Card cardholders may miss out on some of the flexibility and perks offered by cards that do charge annual fees.

 

Best Credit Cards United Explorer

14. United Explorer Credit Card

United Explorer Credit Card is a fantastic card to accumulate miles on airfare and redeem them for free flights.

United Explorer Credit Card credit card interest rate

  • Regular APR (%): 17.99% – 24.99% variable
  • Annual Fee: $0 for the first year, then $95
  • Rewards Earning Rate: Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases.
  • Balance Transfer Fee: N/A
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%): 0%
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A

United Explorer Credit Card credit card is

  • Best for Cash-Back Sign-Up Bonus

United Explorer Credit Card credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

Two United Club passes annually

 

 

Checked bag fee waived for fewer traveling partners than competitors

 

Review

United Explorer Credit Card boasts great United perks for cardholders

 

Best Credit Cards AAdvantage Aviator Business Mastercard

15. AAdvantage Aviator Business Mastercard Credit Card

AAdvantage Aviator Business Mastercard is a perfect pick if cardholders want to use rewards to fly on American Airlines or one of its 18 partner airlines. The sign-up bonus in total is worth more than $1,500 combined, based on a valuation of the miles.

AAdvantage Aviator Business Mastercard credit card interest rate

  • Regular APR (%): 17.49% – 26.49% variable
  • Annual Fee: $95
  • Rewards Earning Rate: Earn 2 miles per $1 on eligible American Airlines, office supply, telecom, and car rental merchant purchases. 1 mile per $1 on all other purchases.
  • Balance Transfer Fee: N/A
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%): 0%
  • Cash Advance APR (%): 26.74%
  • Cash Advance Fee: Either $10 or 3% of the amount of each transfer, whichever is greater.

AAdvantage Aviator Business Mastercard credit card is

  • Best Overall
  • Best for Air Travel

AAdvantage Aviator Business Mastercard credit card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

No Foreign transaction fee

 

 

High Annual Fee

 

Review

AAdvantage Aviator Business Mastercard Credit Card allows cardholders to Earn up to 75,000 AAdvantage bonus miles.

 

Best Credit Cards The Business Platinum Card from American Express

16. The Business Platinum Card from American Express Credit Card

The Business Platinum Card from American Express it perfect for business travellers who are in the market for options.

The Business Platinum Card from American Express credit card interest rate

  • Regular APR (%): N/A
  • Annual Fee: $595
  • Rewards Earning Rate: Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com. 1x for each dollar spent on other eligible purchases.
  • Balance Transfer Fee: N/A
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%): N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: Cash advances are not offered

The Business Platinum Card from American Express credit card advantages

  • Book travel with any provider offered
  • Transfer points to a loyalty program offered by any of its 22 airline and hotel partners
  • VIP perks
  • Earn 75,000 points on a $20,000 spend – within the first three months

The Business Platinum Card from American Express credit card is

  • Best for Flexible Travel

The Business Platinum Card from American Express Recommended Credit Score

  • 800 – 850: Excellent

Pros

Cons

 

VIP Rewards

 

 

Needs Excellent Credit Score

 

Review

The Business Platinum Card from American Express comes with VIP rewards and perks – But at a very steep annual fee of $595.

 

Best Credit Cards United Business

17. United Business Credit Card

United Business Card is a small-business credit card perfect for reaping the rewards on United Airlines and collecting miles to redeem for free flights.

United Business credit card interest rate

  • Regular APR (%): 17.99% – 24.99% variable
  • Annual Fee: $99
  • Rewards Earning Rate: Earn 2 miles per $1 on United purchases, at restaurants, gas stations, eligible local transit, and office supply stores. 1 mile per $1 spent on all other purchases. Balance Transfer Fee: N/A
  • Intro Purchase APR: N/A
  • Foreign Transaction Fee (%): N/A
  • Cash Advance APR (%): 26.49%
  • Cash Advance Fee: Either $15 or 5% of the amount of each transaction, whichever is greater.

United Business credit card advantages

  • Sign-up bonus: 100,000 bonus miles after $10,000 in purchases with in the first three months from opening the account.

United Business credit card is

  • Best Sign-up bonus

United Business Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

No foreign transaction fee

 

 

Annual Fee

 

Review

United Business Credit Card offers cardholders some great perks including a free checked bag for the cardholder and a traveling companion, priority boarding and two free United Club passes per year. 

 

Best Credit Cards Marriott Bonvoy Busines American Express

18. Marriott Bonvoy Business American Express Credit Card

Marriott Bonvoy Busines American Express Card is perfect for travellers who prefer to stay loyal to a certain hotel chain.

Marriott Bonvoy Business American Express credit card interest rate

  • Regular APR (%): 16.74% – 25.74% variable
  • Annual Fee: $125
    Rewards Earning Rate: Earn 6X points for every $1 spent at participating Marriott Bonvoy hotels, 4X points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping, and 2X points everywhere else.
  • Cash Advance APR (%): 26.24%
  • Cash Advance Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Marriott Bonvoy Business American Express credit card advantages

  • Earn Bonvoy points at very high rate
  • Potential to earn 75,000 bonus points after spending $3,000 in the first three months
  • Automatic Silver Elite status with a path to Gold Elite
  • A free night award each year (plus a second one if you exceed $60,000 in spending in a calendar year
  • Elite night credits

Marriott Bonvoy Business American Express credit card is

  • Best for Hotel Stays

Marriott Bonvoy Business American Express Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

High rewards rate

 

 

Annual Fee

 

Review

Marriott Bonvoy Busines American Express Credit Card flexibility is largely confined to Marriott and its point-transfer partners.

 

Best Credit Cards Business Advantage Travel Rewards

19. Business Advantage Travel Rewards Credit Card

Business Advantage Travel Rewards credit card offers cardholders who travel often, a great range of rewards – ¬all in a package with no annual fee.

Business Advantage Travel Rewards credit card interest rate

  • Regular APR (%): 13.74% – 23.74% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn unlimited 1.5 points for every $1 you spend on all purchases. Earn 3 points per $1 spent on travel booked through the Bank of America Travel centre – powered by Expedia
  • Intro purchase APR: 0% for 9 Billing Cycles
  • Cash Advance APR (%): 25.74%
  • Cash Advance Fee: Either $10 or 4% of the amount of each transaction, whichever is greater

 

Business Advantage Travel Rewards credit card is

  • Best with No Annual Fee

Business Advantage Travel Rewards Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

Unlimited flat-rate rewards

 

 

Requires excellent credit

 

Review

Business Advantage Travel Rewards credit card is a decent option if cardholders are looking for a business credit card focussed on travel rewards without an annual fee.

 

Best Credit Cards PenFed Platinum Rewards Visa Signature

20. PenFed Platinum Rewards Visa Signature Credit Card

PenFed Platinum Rewards Visa Signature® Card offers cardholders one of the best rewards rates on gas available —5 points per dollar spent, unlimited.

PenFed Platinum Rewards Visa Signature credit card interest rate

  • Regular APR (%): 11.74% – 17.99% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 5x back at gas stations, 3x back on groceries, and 1x back on all other purchases.
  • Intro purchase APR: N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 0%

 

PenFed Platinum Rewards Visa Signature credit card is

  • Best Overall
  • Best with No Annual Fee
  • Best for Unlimited Cash-Back Rewards

PenFed Platinum Rewards Visa Signature Recommended Credit Score

  • 800 – 850: Excellent

Pros

Cons

 

No Annual Fee

 

 

Requires excellent credit

 

Review

PenFed Platinum Rewards Visa Signature Credit Cards have limited redemption options available and points can only be redeemed for travel, gift cards and merchandise. Cash back is not available.

 

Best Credit Cards Amazon Rewards Visa Signature Card

21. Amazon Rewards Visa Signature Card Credit Card

Amazon Rewards Visa Signature Card is a choice for cardholders who recently spend at Amazon and Whole Foods.

Amazon Rewards Visa Signature Card credit card interest rate

  • Regular APR (%): 5.74% – 23.74% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 3% back on Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drug stores, and 1% back on all other purchases.
  • Intro purchase APR: N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): N/A

 

Amazon Rewards Visa Signature Card credit card earns

  • 5% back at Amazon.com and Whole Foods Market
  • 2% back at restaurants, gas stations and drugstores
  • 1% back on all other purchases

 

Amazon Rewards Visa Signature Card credit card is

  • Best Store-Specific Card

Amazon Rewards Visa Signature Card Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

High reward rate on Amazon purchases

 

 

No annual fee, but requires paid Amazon Prime membership

 

Review

To be an Amazon Rewards Visa Signature Card credit card holder – an Amazon Prime membership is required, which carries an annual membership fee.

 

Best Credit Cards Blue Cash Preferred Card from American Express

22. Blue Cash Preferred Card from American Express Credit Card

Blue Cash Preferred Card from American Express offers cardholders a 6% cash back on the first $6,000 spend on groceries each year (then 1%).

Blue Cash Preferred Card from American Express credit card interest rate

  • Regular APR (%): 13.99% – 24.99% variable
  • Annual Fee: $95
  • Rewards Earning Rate: Earn 6% back at US supermarkets (on up to $6,000 per year in purchases), 6% back on select U.S. streaming subscriptions, 3% back on eligible transit and US gas stations, and 1% back on other purchases.
  • Intro purchase APR: 0% for 12 Months
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 2.7%

 

Blue Cash Preferred Card from American Express credit card is

  • Highest Rewards-Earning Rate

Blue Cash Preferred Card from American Express Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

Leading cash-back rewards at U.S. supermarkets

 

 

$25 minimum redemption

 

Review

Blue Cash Preferred Card from American Express has an annual fee of $95, but with a spend of at least $31 per week, cardholders will soon see the rewards surpass the fees.

 

Best Credit Cards Marriott Bonvoy Boundless

23. Marriott Bonvoy Boundless Credit Card

 

Marriott Bonvoy Boundless credit card interest rate

  • Regular APR (%): 17.49% – 24.49% variable
  • Annual Fee: $95
  • Rewards Earning Rate: Earn 6X points for every $1 spent at participating Marriott Bonvoy hotels and 2X points everywhere else.
  • Intro purchase APR: N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 0%

Marriott Bonvoy Boundless credit card benefits

  • A free hotel night once a year
  • Automatic elite status
  • Multiple redemption options

Marriott Bonvoy Boundless credit card earns

  • 6 points per $1 spent at participating Marriott Bonvoy hotels.
  • 2 points per $1 spent on all other eligible purchases.

Sign-up bonus: Earn 75,000 Bonus Points after a $3,000 spend in the first 3 months of opening the account opening.

 

Marriott Bonvoy Boundless credit card is

  • Best Co-Branded Hotel Card

Marriott Bonvoy Boundless Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

High Rewards Rate

 

 

Annual Fee

 

Review

The Marriott Bonvoy Boundless Credit Card is a big bonus and ongoing value offer.

 

Best Credit Cards Hilton Honors American Express

25. Hilton Honors American Express Card Credit Card

Hilton Honors American Express Card is perfect for those who frequently stay at Hilton properties, without paying an annual fee.

Hilton Honors American Express Card credit card interest rate

  • Regular APR (%): 16.74% – 25.74% variable
  • Annual Fee: $0
  • Rewards Earning Rate: 7 points per $1 for eligible Hilton purchases. 5 points per $1 for eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. 3 points per $1 for all other eligible purchases.
  • Intro purchase APR: N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 0%

 

Hilton Honors American Express Card credit card is

  • Best Travel Card with No Annual Fee

Hilton Honors American Express Card Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

High Rewards Rate

 

 

Few premium travel perks

 

Review

Hilton Honors American Express Card offers cardholders a solid high rewards-earning rate of 7 points per $1 spent at Hilton and automatic silver status.

 

Best Credit Cards Citi Rewards+

25. Citi Rewards+ Credit Card

Citi Rewards+ rewards everyday purchases coupled with receiving a reward back portion – which is a one-of-a-kind deal.

Citi Rewards+ credit card interest rate

  • Regular APR (%): 14.49% – 24.49% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 2X Thank You Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases
  • Intro purchase APR: 0% for 15 Months
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 3%

 

Citi Rewards+ credit card is

  • Best Overall
  • Best with No Annual Fee
  • Best for Financing Large Purchases

Citi Rewards+ Credit Card Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

No Annual Fee

 

 

Spending Cap on bonus categories

 

Review

Citi Rewards+ is a good offering but underwhelming compared to other no-annual-fee options.

 

Best Credit Cards Citi Rewards+ Student Card

26. Citi Rewards+ Student Card

Citi Rewards+ rewards everyday purchases coupled with receiving a reward back portion – which is a one-of-a-kind deal.

Citi Rewards+ Student card credit card interest rate

  • Regular APR (%): 15.49% – 25.49% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 2X points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Intro purchase APR: 0% for 7 Months
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 3%

 

Citi Rewards+ Student card credit card is

  • Best for Students

Citi Rewards+ Student card Credit Card Recommended Credit Score

  • 670 – 850: Excellent

Pros

Cons

 

Option to earn bonus points

 

 

Foreign Transaction Fee

 

Review

Citi Rewards+ Student Card is a great choice for students who are looking to build credit while earning rewards on everyday expenses like gas and groceries.

 

Best Credit Cards Citi Double Cash Card

27. Citi Double Cash Card Credit Card

Citi Double Cash Card is a simple, easy-to-use card which offers a cash-back earning rate higher than similar cards available on the market.

Citi Double Cash Card credit card interest rate

  • Regular APR (%): 14.99% – 24.99% variable
  • Annual Fee: $0
  • Rewards Earning Rate: Earn 2% unlimited cash back on every purchase you make: 1% when you buy plus 1% as you pay.
  • Intro purchase APR: N/A
  • Cash Advance APR (%): N/A
  • Cash Advance Fee: N/A
  • Foreign Transaction Fee (%): 3%

 

Citi Double Cash Card credit card is

  • Best for for Cash-Back Rewards

Citi Double Cash Card Recommended Credit Score

  • 670 – 850: Good to Excellent

Pros

Cons

 

No annual fee

 

 

No Sign-up bonus

 

Review

Citi Double Cash Card offers cardholders a high, ongoing rewards rate which is overall a very smart choice.

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