3 Simple Questions — “Best Credit Card for Me” Quiz

3 Simple Questions — “Best Credit Card for Me” Quiz

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: August 31, 2018
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.

Although most of us prefer to have a range of options, research suggests that too many options can put our brains into overload, making us nearly incapable of coming to a decision. The modern credit card market is a perfect example of too much choice, with everyone from banks and credit unions to our favorite retailers offering credit cards from which to choose.

To help cut through the field of options, we’ve put together a quick quiz that can direct you toward the right card in just three simple questions. Starting with:

What is your primary credit card objective?

Earn Rewards IconFees IconBuild Credit IconBusiness Purchases Icon

(Select Your Answer)

Earning Credit Card Rewards

Arguably the most compelling reason to shop by credit card (beyond the greater security, that is), credit card rewards are basically like a universal rebate that helps you save on every purchase.

The first step to finding the right rewards credit card is to determine what type of rewards you’re most likely to use; after all, rewards do you little good if they go unredeemed.

Cash back is a great solution for those who want simple rewards with a consistent value. Rewards points and miles, on the other hand, can offer greater earnings rates at redemption, but typically only when redeemed for travel.

What type of rewards are you most likely to use?

Cash Back IconTravel Rewards Icon

(Select Your Answer)

Cash Back Rewards Cards

Once you know you want to earn cash back rewards, you’ll need to decide how you want to earn your cash back. This decision will come down to how much effort you want to put into maximizing your cash back rewards.

If you want to keep your cash back simple, you can go with an unlimited cash back rewards card that provides the same rate on every purchase.

If you want to maximize your cash back rewards earnings, you can select a card (or several) that provides bonus cash back rewards for purchases in common categories like groceries and restaurants.

Do you want simple rewards or to maximize your earnings?

Simple IconMaximize Icon

(Select Your Answer)

Unlimited Cash Back Rewards Cards

Congratulations! You’ve chosen to go with an unlimited cash back rewards card without bonus categories.

With any of these cards, you’ll receive 1.5% cash back on every new purchase, an introductory APR deal good on new purchases and balance transfers, and no annual fee.

Given that these cards offer many of the same benefits, simply pick your favorite issuer and/or network and apply now.

BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.74% - 24.74% (Variable)
$0
Excellent, Good
Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.74%-26.74% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
15.74%-26.74% (Variable)
$0
Excellent/Good

Start the Quiz Over

Bonus Category Cash Back Rewards Cards

Congratulations! You’ve chosen to go with a cash back credit card with bonus cash back categories.

The best way to determine which cash back bonus category card to select is to consider where you spend the most money.

If your spending varies throughout the year, try a card with rotating categories. If you always spend a lot on gas, dining, or groceries, choose a card with bonuses for those purchases.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent
BankAmericard Cash Rewards™ Credit Card Review

at Bank of America'ssecure website

BEST OVERALL RATING
0.0
OVERALL RATING
0.0/5.0
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 Billing Cycles
0% Intro APR for 12 Billing Cycles (for balance transfers made in the first 60 days)
14.49% to 24.49% (Variable)
$0
Excellent/Good

Start the Quiz Over

Travel Rewards Cards

For the frequent traveler — or simply those who wish to be — travel rewards credit cards can be a treasure trove of freebies as well as nearly priceless perks.

Getting the most out of your points or miles card will come down to how much work you want to put into maximizing your earnings. Flexible miles cards, for example, give you a flat per-mile redemption value on any flight, any time.

In general, rewards points are much more versatile than most miles and can unlock a lot of value when redeemed wisely. That said, redeeming points for high-value travel will take more work and you may end up at the mercy of availability for certain redemption options.

Do you want flexible flat-rate miles or versatile points you can maximize?

Flexible Miles Icon Versatile Points Icon

(Select Your Answer)

Flexible Miles Cards with Flat-Rate Value

Congratulations! You’ve chosen to go with a flexible travel miles rewards credit card.

With these travel rewards cards, you’ll earn unlimited miles on every purchase and can redeem those miles for statement credit toward any qualifying travel-related purchases.

While flights, hotels, and car rentals will qualify as travel for most cards, each issuer will have its own classifying for what qualifies as a “travel-related expense,” so you can use that distinction to pick a specific card.

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent
Barclays Arrival® Premier World Elite Mastercard® Review

at Barclays'ssecure website

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • 75,000 miles each year if you spend $25,000 on purchases
  • After that, keep earning unlimited 2X miles on every purchase
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
  • Access to over 850 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74%, 21.74% or 24.74% variable based on your creditworthiness
$150 (waived first year)
Good/Excellent

Start the Quiz Over

Versatile Points Cards with Variable Value

Congratulations! You’ve chosen to go with a versatile travel points rewards credit card.

With these cards, you can easily transfer your points to partner hotel and airline loyalty programs for direct redemption with your favorite brands. You can also redeem points for cash back, merchandise, and experiences, though per-point value will be less for these options.

Choose a specific points card by taking a look at the issuer’s hotel and airline partners to find the best match to your preferred brands.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 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
17.74% - 24.74% Variable
$450
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 24.74% Variable
$95
Good/Excellent
CITI® RATING
★★★★★
4.6
OVERALL RATING
0.0/5.0
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer
  • Points are redeemable for gift cards to popular retailers, restaurants and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • Earn 2X Points on dining out and entertainment
  • Earn 1X Points on all other purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Good/Excellent

Start the Quiz Over

Saving on Credit Card Fees

If credit cards have one primary downside, it’s most likely the myriad fees they tend to charge. Some cards charge a fee simply for having them, typically in the form of an annual fee.

Carrying a balance on your card can also come with fees, namely interest rate fees. Averaging around 16%, interest charges can add up quickly.

And then there are the transaction fees, like foreign transaction fees, which can cost as much as 3% to 5% of each purchase in another currency. Thankfully, the right card can help you save on nearly every credit card fee.

On what type of fees do you want to save?

Annual Fee Icon Interest Fee IconForeign Transaction Fee Icon

(Select Your Answer)

Credit Cards with No Annual Fees

Although paying an annual fee for some cards can be well worth paying it — either for their high rate of return on rewards or for their secondary benefits — you can get a good deal on plenty of awesome cards for which you don’t need to pay an annual fee.

As with most things in the consumer finance world, of course, the better your credit, the more options you’ll have available to you. However, you do still have some options for annual-fee-free credit cards even with fair or even bad credit.

Into which credit score range do you fall?

Good Credit IconFair Credit IconBad Credit Icon

(Select Your Answer)

Credit Cards with No Annual Fees for Good Credit

Congratulations! You’ve chosen to go with a card with no annual fee for good-credit consumers.

With good credit, you’ll have a wide range of credit card options that won’t charge an annual fee but will still offer solid rewards.

Most no-fee credit cards will offer cash back rewards, rather than points or miles, so choosing from the fee-free options will come down to deciding whether you want unlimited cash back rewards or bonus rewards in rotating categories.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.74% - 24.74% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent
CITI® RATING
★★★★★
4.8
OVERALL RATING
0.0/5.0
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases.
  • Earn $100 bonus cash back when you make $500 in card purchases in the first 3 months of account opening
  • Balance Transfers do not earn cash back.
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track and no caps on cash back.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.99% - 24.99% (Variable)
$0
Excellent/Good

Start the Quiz Over

Credit Cards with No Annual Fees for Fair Credit

Congratulations! You’ve chosen to go with a card with no annual fee for fair-credit consumers.

With fair credit, your options for no-annual-fee credit cards will include a variety of base-model unsecured cards, though you may find better rewards and benefits if you go with a secured credit card instead. Unsecured cards from a credit union can also provide good benefits with low or no fees.

BEST OVERALL RATING
★★★★
3.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
Discover it® Secured Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★
3.7
OVERALL RATING
3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.74% Variable
$0
Please refer to issuer's website

 

Aspire Platinum

The Aspire Platinum has a low regular APR range of 9.65% to 18%, depending on your credit, and no annual fee.

Aspire Platinum

  • 0% introductory APR on new purchases and balance transfers for the first 6 months
  • Standard 9.65% to 18% APR, depending on creditworthiness
  • Pay no annual fee

You’ll need to become a member of Aspire Credit Union to apply for its credit cards, but you can become eligible for membership if you work for a Select Employer Group or by joining the American Consumer Council.

Start the Quiz Over

Credit Cards with No Annual Fees for Bad Credit

Congratulations! You’ve chosen to go with a card with no annual fee for bad-credit consumers.

With bad credit, your fee-free credit card options will likely be limited to closed-loop store credit cards, which can only be used with a specific retailer, and secured credit cards that require a deposit to open and maintain.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit
BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
Discover it® Secured Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★
3.7
OVERALL RATING
3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.74% Variable
$0
Please refer to issuer's website

Start the Quiz Over

Credit Cards with No Interest Fees

If left to accrue, credit card interest fees — the cost of carrying a balance — can turn even a modest purchase into an expensive buy. And while interest fees can be avoided by simply paying your balance in full each billing cycle, that’s not always an option. That’s where introductory 0% APR offers can come in handy.

Whether you want to avoid interest on an upcoming purchase or reduce the amount of interest you’re paying on a current balance with a transfer, there’s likely a card that can help you beat the interest fees.

What type of interest fees do you want to avoid?

New Purchases Icon Balance Transfers Icon

(Select Your Answer)

Credit Cards with No Interest on New Purchases

Congratulations! You’ve chosen to go with a card with an introductory 0% APR offer on new purchases.

The best intro-APR deals will provide 0% APR on new purchases for 12 months or more, plus many also earn solid purchase rewards and won’t charge an annual fee.

And since you can earn rewards on your interest-free purchases, the type of rewards you earn can be a good way to pick a specific card.

Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% INTRO APR RATING
★★★★★
5.0
OVERALL RATING
4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.24%-26.74% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
17.24%-26.74% (Variable)
$0
Excellent/Good
0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent
0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

Start the Quiz Over

Credit Cards with No Interest on Balance Transfers

Congratulations! You’ve chosen to go with a card with an introductory 0% APR offer on balance transfers.

The best balance transfer deals will provide at least 12 months of 0% APR on transferred balances, with some providing up to 18 months. Keep in mind that most credit cards will charge a balance transfer fee, so choose the card with the lowest fee to save the most on your transfer.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING
★★★★★
5.0
OVERALL RATING
4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.74% - 24.74% Variable
$0
Good/Excellent
Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% BALANCE TRANSFER RATING
★★★★★
5.0
OVERALL RATING
4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.24%-26.74% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
17.24%-26.74% (Variable)
$0
Excellent/Good
0% BALANCE TRANSFER RATING
★★★★★
4.9
OVERALL RATING
5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

Start the Quiz Over

Credit Cards with No Foreign Transaction Fees

Foreign transaction fees are charged to cover the cost of converting currency from US dollars to and/or from a foreign currency. These fees are charged on every card purchase, and they can turn an already pricey vacation into a downright expensive one.

The simplest way to avoid foreign transaction fees is to use a card that doesn’t charge them. Happily, there are a number of options available to qualified consumers.

Although Discover and American Express are certainly expanding their reach every year, Visa and Mastercard are the undeniable leaders in global acceptance, with most merchants accepting at least one of the two networks.

Which credit card network do you prefer to use abroad?

Visa IconMastercard Icon

(Select Your Answer)

Visa Credit Cards with No Foreign Transaction Fees

Congratulations! You’ve chosen to go with a Visa credit card with no foreign transaction fees.

Given that many of the best Visa credit cards without foreign transaction fees are designed to be travel rewards cards, choosing a card from the options may come down to deciding the type of travel rewards from which you’ll get the most use.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 24.74% Variable
$95
Good/Excellent
BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
Bank of America® Travel Rewards Credit Card Review

at Bank of America'ssecure website

EXPERT'S RATING
★★★★★
4.7
OVERALL RATING
0.0/5.0
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 billing cycles
N/A
16.49% to 24.49% (Variable)
$0
Excellent/Good

Start the Quiz Over

Mastercard Credit Cards with No Foreign Transaction Fees

Congratulations! You’ve chosen to go with a Mastercard credit card with no foreign transaction fees.

Your options for a Mastercard without foreign transaction fees include several travel rewards cards, with both flexible miles cards and versatile points cards, as well as cash back cards, so you’ll need to figure out which type of rewards you’ll use the most to make a final decision.

Barclays Arrival® Premier World Elite Mastercard® Review

at Barclays'ssecure website

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • 75,000 miles each year if you spend $25,000 on purchases
  • After that, keep earning unlimited 2X miles on every purchase
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
  • Access to over 850 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74%, 21.74% or 24.74% variable based on your creditworthiness
$150 (waived first year)
Good/Excellent
Barclaycard Arrival® Plus World Elite Mastercard® Review

at Barclays'ssecure website

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening
17.74%, 21.74% or 24.74% variable based on your creditworthiness
$89 (waived first year)
Good/Excellent

 

Citi ThankYou® Premier Card

The Citi ThankYou® Premier Card charges no foreign transaction fees, as well as offering great purchase rewards on travel, dining, and entertainment.

Citi ThankYou® Premier Card

  • Earn 3X points per $1 spent on eligible travel purchases, including gas stations
  • Earn 2X points per $1 spent on dining out and entertainment
  • Pay no annual fee the first year, then $95

ThankYou Points can be redeemed for a variety of things, but generally offer the best value when redeemed for free flights through the ThankYou® Travel Center.

Start the Quiz Over

Building Credit with Credit Cards

Whether you’re just starting on your consumer credit journey, or you’ve taken a few wrong turns and need to get back on track, responsible credit card use can be a good way to build — or rebuild — your credit history and scores.

The biggest problem most consumers with low (or no) credit scores will face when trying to get a credit card to build credit is being approved in the first place. Credit card issuers, like any lenders, dislike risk, and low credit scores tend to indicate high credit risk.

The best way to ensure you’re approved for a credit card when you apply is to choose a card designed for your specific credit type. Those consumers with no or limited credit histories will often qualify for slightly better cards than those applicants with bad credit.

Which best describes your current credit situation?

No/Limited Credit IconBad Credit Icon

(Select Your Answer)

Credit Cards for Consumers with No/Limited Credit

It takes at least six months of credit history to have enough information for a FICO Score to be calculated, which is the metric used by most lenders to determine your credit risk.

The world of no/limited credit is one with two main types of credit newbies: students — and everyone else. A number of credit card issuers offer cards specifically designed for students that tend to come with better perks than typical start cards.

Are you currently (or about to be) a college student?

Student IconNot a Student Icon

(Select Your Answer)

Credit-Building Credit Cards for Students

Congratulations! You’ve chosen to go with a student credit card for no/limited credit.

Most student credit cards will offer some type of purchase rewards, usually cash back. They’ll also often come with secondary benefits just for students, including late payment forgiveness or good grades statement credits.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING
★★★★★
4.9
OVERALL RATING
4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING
★★★★★
4.8
OVERALL RATING
4.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair
STUDENT RATING
★★★★★
4.8
OVERALL RATING
4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited

Start the Quiz Over

Credit-Building Credit Cards for Everyone

Congratulations! You’ve chosen to go with a general consumer credit card for no/limited credit.

While students tend to get the best perks when starting out, there are still a number of solid entry-level cards available to those who need to establish and build their credit history.

While you may need to pay an annual fee for purchase rewards, fee-free options are also available.

BEST OVERALL RATING
★★★★
3.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited
Discover it® Secured Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★
3.7
OVERALL RATING
3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.74% Variable
$0
Please refer to issuer's website

Start the Quiz Over

Credit Cards for Consumers with Bad Credit

Although it takes months to years to build up a good credit score, it only takes one or two delinquent payments to wind up with a bad one. And the worse your score becomes, the fewer and more expensive your credit card options become.

In general, bad-credit consumers will need to go with an unsecured subprime credit card or a secured credit card. While unsecured subprime cards won’t require a deposit, they often come with high fees and APRs.

Thanks to their deposit, secured credit cards are less risky to the lender, so they frequently offer lower fees and interest rates, and may also come with rewards. Your deposit is completely refundable so long as you don’t default on your credit card balance.

Can you make a refundable deposit to open your account?

Deposit Icon No Deposit Icon

(Select Your Answer)

Secured Credit Cards for Bad Credit

Congratulations! You’ve chosen to go with a secured credit card for bad credit.

To open a secured credit card, you’ll still need to fill out an application and apply like any other card. If approved, you’ll make a refundable deposit that will act as collateral so long as your account remains open and in good standing.

Choosing a secured credit card will likely come down to whether you want a low APR or you want to earn rewards. If you’re likely to carry a balance — which isn’t’ recommended — go for a lower APR. If not, try a rewards card for extra savings while you build your credit score.

SECURED RATING
★★★★★
4.9
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
Discover it® Secured Review

at Discover Card'ssecure website

SECURED RATING
★★★★★
4.5
OVERALL RATING
3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.74% Variable
$0
Please refer to issuer's website
First Progress Platinum Elite MasterCard® Secured Credit Card Review

at First Progress'ssecure website

SECURED RATING
★★★★
4.0
OVERALL RATING
2.3/5.0
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% (Variable)
$29
Bad Credit

Start the Quiz Over

Unsecured Credit Cards for Bad Credit

Congratulations! You’ve chosen to go with an unsecured subprime credit card for bad credit.

While there are a number of options available for bad-credit applicants to find unsecured credit cards, those options will all tend to come with either severe limitations — such as in the case of closed-loop store cards — or particularly high fees and APRs.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

UNSECURED RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit
Credit One Bank® Visa® Credit Card with Cash Back Rewards Review

at Credit One'ssecure website

UNSECURED RATING
★★★★★
4.6
OVERALL RATING
3.8/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 25.74% Variable
$0 - $99
Fair
Total Visa® Card Review

at the issuer'ssecure website

UNSECURED RATING
★★★★
4.4
OVERALL RATING
3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit

Start the Quiz Over

Making Purchases with Business Credit Cards

If the consumer credit card world is an ocean of options, then the business credit cards available these days are at least a good-sized lake, if not a small sea.

Nearly any credit card variation available to consumer cardholders is present in the business card space, with everything from unlimited cash back rewards to bonus-category based travel rewards being offered by multiple issuers.

Indeed, choosing a business credit card quite often will come down to deciding which type of rewards you want to earn — and how you want to earn them.

Do you want your business purchases to earn simple flat-rate rewards or category rewards you can maximize?

Simple IconMaximize Icon

(Select Your Answer)

Flat-Rate Business Rewards Credit Cards

A good choice for busy bosses everywhere, flat-rate rewards cards offer the savings benefits of rewards without the hassle of tracking categories to optimize your earnings.

And, even better, you don’t have to limit yourself to one type of rewards to get the time-saving perks of flat-rate rewards. Options for both cash back and points or miles are available for well-qualified business owners.

What type of rewards are you most likely to redeem?

Cash Back IconPoints/Miles Icon

(Select Your Answer)

Flat-Rate Cash Back Business Credit Cards

Congratulations! You’ve chosen to go with a flat-rate cash back rewards business credit card.

With these cards, you’ll earn cash back at the same rate regardless of what you purchase, with no limit on how much cash back you can earn.

While cash back rates may vary, so, too, will annual fees, APRs, and introductory deals, so choose the card with the most useful fringe benefits and protections.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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 from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • 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
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

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Flat-Rate Points/Miles Business Credit Cards

Congratulations! You’ve chosen to go with a flat-rate points or miles rewards business credit card.

Although flat-rate points or miles cards earn the same amount of rewards regardless of your purchase category, redeeming those rewards may still require a little more work or have more variables than simple cash back.

In particular, some flat-rate miles cards may only allow redemption for travel-related expenses. Flat-rate points rewards cards will tend to have more redemption options, but your per-point value will usually vary based on how you redeem.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

 

Blue Business Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express is a good option for businesses with expenses that don’t fit regular bonus categories, offering 2X points per dollar on purchases regardless of category.

Blue Business Plus Credit Card from American Express

  • Earn 2X Membership Rewards® points per $1 on the first $50,000 in purchases each year
  • Earn unlimited 1X points per $1 thereafter
  • Pay no annual fee

While the Blue Business Plus card doesn’t have a points signup bonus, it does offer an introductory 0% APR deal and provides employee cards with no additional fees.

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Bonus Category Business Rewards Credit Cards

As with consumer rewards credit cards, getting the most value out of your business rewards credit cards will require wise use of bonus category cards.

You can maximize your rewards earnings by choosing a card (or cards) that provides bonus rewards for the business purchases you make most often. For example, if your business goes through a lot of office supplies, you can potentially save big with a card that offers bonus rewards for those purchases.

In which category does your business make the most purchases?

Travel Icon Office Supplies IconCommunication Services Icon

(Select Your Answer)

Credit Cards with Bonus Rewards for Travel

Congratulations! You’ve chosen to go with a business rewards card with bonus rewards for travel purchases.

If travel is a big part of your business, a travel rewards credit card can offer not only a way to save on your flights, hotels, and other travel-related expenses, but also a good source of extra perks and benefits that can make your travel that much more pleasant.

Choosing a bonus travel rewards credit card will likely come down to how much you travel. For moderate travelers, a card that also offers other bonus rewards categories may be better than one that directly caters to travelers alone.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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 - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Good/Excellent

 

American Express Business Platinum Card®

The American Express Business Platinum Card® provides bonus points for spending on flights and hotels when you book through American Express’s travel portal. You’ll also get bonus rewards for large purchases.

Amex Business Platinum Card®

  • Earn 5X points per $1 spent on flights and hotels booked through amextravel.com
  • Earn 1.5X points per $1 on purchases $5,000 and up
  • Receive up to 75,000 bonus points for meeting spending requirements

Cardholders will also enjoy access to over 1,000 global airport lounges and an annual $200 credit to cover baggage fees and other qualifying airline expenses. The credit helps offset the hefty $450 annual fee.

Business Advantage Cash Rewards Mastercard®

The Business Advantage Cash Rewards Mastercard® from Bank of America earns an unlimited 1% cash back on every purchase, while also enjoying bonus rewards on purchases at restaurants, gas stations, and office supply stores.

Business Advantage Cash Rewards Mastercard®

  • Earn 3% cash back at gas stations and office supply stores and 2% at restaurants
  • Receive $200 cash back after spending $500 in the first 60 days
  • Pay no annual fee

The Business Advantage Cash Rewards card also comes with a great signup bonus and super attainable spending requirement that can help you save right away.

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Credit Cards with Bonus Rewards for Office Supplies

Congratulations! You’ve chosen to go with a business rewards card with bonus rewards for office supply purchases.

While more businesses are going paperless, office supplies are still a major part of the budget for many companies. Of course, they’re rarely the only thing in the budget, so choosing the right card will often come down to the secondary rewards categories.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

 

SimplyCash® Plus Business Credit Card

The SimplyCash® Plus Business Credit Card from American Express provides 5% cash back at US office supply stores and wireless service providers to ensure you always have what you need to keep your business going.

SimplyCash® Plus Business Credit Card

  • Earn 5% cash back on purchases at US office supply stores and with wireless service providers
  • Earn 3% cash back on purchases in a category of your choice
  • Pay no annual fee

The SimplyCash® Plus card also provides 3% cash back in a bonus category you can select from options that include US gas stations, restaurants, and more. Earn unlimited 1% cash back on all other purchases.

U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard®

The U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard® can not only help you earn big on office supply purchases, but will also offer bonus rewards for gas and wireless services.

 U.S. Bank Business Edge™ Cash Rewards World Elite™ Mastercard®

  • Earn 3% cash back on gas station, office supply, and wireless service purchases
  • Earn unlimited 1% cash back on all other purchases
  • Pay no annual fee

New Business Edge cardholders can also spend without interest fears with the introductory 0% APR offer, which provides nine months of interest-free purchasing.

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Credit Cards with Bonus Rewards for Communication Services

Congratulations! You’ve chosen to go with a business rewards card with bonus rewards for communication services purchases.

If there’s one thing every business needs, it’s a way to communicate with its customers, clients, and/or contractors. And that’s before you add in the high-speed internet and WiFi that are nearly mandatory for modern life.

With a range of cards offering bonus rewards for communication services, choosing the right card for your business will rely on the secondary bonus categories and benefits offered by your business rewards credit card.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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 - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Good/Excellent

 

SimplyCash® Plus Business Credit Card

The SimplyCash® Plus Business Credit Card from American Express can help you save on 5% on wireless communication services, plus earn bonus rewards on office supply purchases.

SimplyCash® Plus Business Credit Card

  • Earn 5% cash back on purchases at US office supply stores and with wireless service providers
  • Earn 3% cash back on purchases in a category of your choice
  • Pay no annual fee

The SimplyCash® Plus card also provides 3% cash back in a bonus category you can select from options that include US gas stations, restaurants, and more. Earn unlimited 1% cash back on all other purchases.

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Choosing the Right Card Can Make All the Difference

Variety may be the spice of life, but, as the saying goes, sometimes you can have too much of a good thing. And in some cases, too much variety can hamper your ability to make a decision at all.

When it comes to choosing the right credit card, don’t let the scope of the challenge prevent you from making a choice. Just answer our three simple questions to narrow down your options.