Compare Credit Cards (10 Categories) – 2016 Credit Card Comparison

Compare Credit Cards in 10 Categories

credit card advice

Ashley Dull
By: Ashley Dull
Posted: July 22, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

If there’s one thing to be said about the current marketplace, it must be that there are plenty of options. Just ordering a pizza comes with dozens of different choices: choose the size, the sauce, the cheese, and toppings; flavored crust? – Which flavor? And how do you want that cooked?

The world of credit cards is no different, with options for anything you need — or want — your card to do. Cash back on every purchase? There’s a card for that. Do you travel so often pilots know your name? Pick up an awesome travel rewards card.

There are so many options for different types of credit cards that your biggest problem may be choosing which card is best for your needs. That’s why we’ve put together a veritable credit card comparison guide. If you already know which type of card you’d like to explore, use the menu below to jump to the best card for you.

Cash Back | Travel | Points & GiftsBusiness | Student | 0% Intro APR | Balance Transfer
Average/Fair Credit | No/Limited Credit | Bad Credit

Compare “Cash Back” Cards

For those of us always looking for a deal, it doesn’t get much better than a cash back rewards card. It’s like having an extra coupon you can apply to every purchase. The amount of cash back on your purchases varies by card, and different types of cards may offer higher percentages in certain categories, like gas or groceries. Some cards even have variable categories, with the higher bonus percentages changing as frequently as by the month. Most cards will let you redeem rewards at any time, but some require a minimum rewards amount. Also, don’t forget that your rewards card is still a credit card – make sure you compare the interest rates and annual fees, too. Can’t decide? Our experts have picked their number one cash back credit card.

Discover it® Cashback Match™ Review

at Discover'ssecure website

  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
14 months
0%
14 months
11.24% - 23.24% Variable
$0
Excellent/Good

+Full Comparison of the Best Cash Back Cards

Compare “Travel” Cards

From the chronic jet-setters to the summer vacation junkies, there is a travel rewards card to meet the needs of any traveler. The options for travel cards are many, and can include everything from specific airlines or hotels to rental car coverage and baggage protection. Keep a close eye on blackout dates, and those oft-overlooked annual fees. International travelers should also compare foreign transaction fees, as they can really add up. Our top choice is a great place to start your travel rewards comparison.

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.24% - 23.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

+Full Comparison of the Best Travel Cards

Compare “Points & Gifts” Cards

If you can’t decide between a cash back card or one offering travel miles, try a card that offers points, instead. The best of both rewards worlds, most points cards allow you to redeem your points for cash, gift cards, or travel expenses. When comparing points cards, make sure you look for a sweet sign-up bonus, like extra points for new cards or an introductory double-points period. The types of rewards for which points can be redeemed will vary by card, as will the usual factors like annual fees and interest rates. Also, watch out for expiring points. Take a look at our favorite points rewards card.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24%-23.24% Variable
Introductory Annual Fee of $0 the first year, then $95
Excellent Credit

+Full Comparison of the Best Points Rewards Cards

Compare “Business” Cards

There’s nothing like being a business owner to help you find joy in the simple things — such as becoming truly excited about a delivery of new office supplies. The only thing better? Getting cash rewards for those office supplies! When comparing business credit cards, the rewards programs can be a big incentive one way or the other — but they shouldn’t be your only consideration.

As with a personal credit card, business cards have annual fees and maximum spending limits. While some have introductory offers with low interest rates, watch out that you don’t get sticker shock when the real APR kicks in. Even when comparing rewards programs, keep in mind things like rotating rewards categories, blackout dates on travel, and point expiration dates. See our top pick in business cards for an expert’s opinion.

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

+Full Comparison of the Best Business Cards

Compare “Student” Cards

Ah, every student’s dream: getting paid to get good grades. Sound too good to be true? Well, it isn’t! Many of the credit cards geared toward students are loaded with education-based perks, including good grade bonuses and cash back on textbook purchases from places like Amazon. Other great features can include choosing your due date, waived annual fees, and late payment forgiveness. While lots of student cards offer big sign-up bonuses, watch out for APRs that skyrocket after the bonus period, or rewards with expiration dates. Our team identified the best student card on the market right now.

Discover it® for Students Review

at Discover'ssecure website

  • Our Take: "The lack of fees, combined with great perks like cash back and free credit score tracking, make this credit card a solid deal for college students.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases with no limits
  • No annual fee
  • $20 cash back each year your GPA is 3.0 or higher (maximum 5 years)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
6 months
10.99%
6 months
13.24%-22.24% Variable
$0
Fair Credit

+Full Comparison of the Best Student Cards

Compare “0% Intro APR” Cards

If the idea of a two-digit interest rate has given you a bad case of credit-card cold feet, try a card that offers a 0% introductory APR. These are like super sign-up bonuses that let you carry a balance without being charged interest. When comparing cards with no interest, make sure to determine the duration of the introductory period – most cards offer 6- to 18-month terms. Don’t forget to check the annual fees, and keep an eye on the after-offer interest rate, as well – these can sometimes be quite high. Check out our top pick below.

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
15 months
0%
15 months
13.24%-23.24% Variable
$0
Excellent/Good

+Full Comparison of the Best 0% APR Cards

Compare “Balance Transfer” Cards

For many, the biggest sting from the monthly credit card bill is that high interest payment. Even the smallest balance can balloon into a shocking total when left to the mercies of compound interest. If high interest rates have turned your mild-mannered debt into a hulking beast, don’t fear – balance transfer cards are here.

A balance transfer is a process by which credit card debt can be moved from one card to another card – preferably one with a much lower interest rate. The real win is transferring to a card that offers an introductory 0% APR on existing balances. Most credit cards marketed for balance transfer offer free or discounted transfer fees, and many offer cash back or points rewards, too. Here’s our favorite balance transfer card, featuring an introductory 0% APR.

Discover it® 18 Month Balance Transfer Offer Review

at Discover'ssecure website

  • Our Take: "With a ridiculously good deal on balance transfers, low APR's, and a generous cash-back program, we can see why this card is so popular.
  • 0% intro APR on balance transfers for 18 months
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • Matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0%
6 months
0%
18 months
11.24% - 23.24% Variable
$0
Excellent/Good

+Full Comparison of the Best Balance Transfer Cards

Compare “Average/Fair Credit” Cards

Whether building up your credit for the first time or recovering from a credit mistake, having “middle of the road” credit can open doors closed to those in worse financial shape – but it’s not without drawbacks, either. Many of the cards open to those with stellar credit may still be available to you, but the interest rates may not be quite so appealing. To get a fair deal out of your “fair” credit, make sure to compare offers for the lowest APR and annual fees. Most cards will also have cash, mile, or point bonuses, so determine which type of rewards best fits your lifestyle. Or let us do the work – see our experts’ selection for a great deal.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
0% for 9 months
23.24% (Variable)
$39
Average, Fair, Limited Credit

+Full Comparison of the Best Cards for Average/Fair Credit

Compare “Limited/No Credit” Cards

Like the age-old catch-22 of business – you need a job to get a job – so tends to go the modern finance world: without an established credit history, it can be a challenge to get new credit. Luckily, there are credit cards just for those with limited, or even nonexistent, credit – many of which offer the same cash back or travel rewards as any other card. Any comparison of credit cards should include the annual fees and sign-up bonuses, as well as any expiration dates for rewards. Many new cards also provide your FICO credit score, so you can keep track of your growing credit. Unsure where to start? Try our top card for those with limited credit.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
0% for 9 months
23.24% (Variable)
$39
Average, Fair, Limited Credit

+Full Comparison of the Best Cards for No Credit

Compare “Bad Credit” Cards

There are few things as financially disheartening than trying to get approved for a credit card when your credit score is on the sad-face-emoji side of the rating spectrum, but don’t despair. There are tons of great card offers designed specifically for those with struggling credit. When comparing credit options, one major decision will be whether to get a secured or unsecured card. Your exact credit score may make the decision for you, as unsecured cards have a minimum credit score for approval.

As for APRs, while your interest rate will likely be higher than those folks with better credit, you still want to shop around for the lowest option. Look for cards that let you track your FICO score to monitor improvements. For a jump-start on your comparison shopping, see which card we’ve ranked number one.

Emporium Card Review

at the issuer'ssecure website

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See website for Details
N/A
Poor, Fair, Limited, or Damaged Credit

+Full Comparison of the Best Cards for Bad Credit

One Large Pie, Hold the Miles

The world of credit cards is as full of options as any coffee shop or restaurant, and making the right choice can seem a bit daunting. By knowing your options – and how best to compare them – you can make an informed decision about your credit card future.

After thoroughly comparing my own options, I made a few decisions, too: the large pie, with red sauce, covered in mozzarella cheese. Add pineapple and extra pepperoni – and put it on my points card!