4 Credit Card Comparison Charts for Rewards, Fees, Rates & Scores

4 Credit Card Comparison Charts for Rewards, Fees, Rates & Scores

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: August 14, 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.

Once upon a time, credit cards were simple devices, used to conveniently make purchases at your favorite store or restaurant that you paid off when your bill came due. Today, however, credit cards are a much more complicated beast.

The huge number of features and functions offered by the modern-day credit card can be a complex mess to even the most well-versed cardholder — and a sheer nightmare for the novice to navigate. Something so seemingly simple as selecting the right card can mean comparing everything from rewards and rates to fees and credit score requirements.

To help put it all into perspective, we’ve laid out many of the most common credit card features, complete with comparison charts, so you can get the big-picture view of what’s really going on with your card options.

Compare: Reward Type | APR Range | Fees | Credit Score Needed

Credit Card Rewards Comparison Chart

For many, one of the driving reasons to use a credit card for purchases is to take advantage of the rewards. In fact, whole legions of cardholders have turned maximizing credit card rewards into a way of life, with stories of these so-called churners’ amazing rewards feats abounding across the web.

And credit card issuers seem to be enjoying the rewards craze, too, using their rewards offerings to set themselves apart from the copious companies competing in the credit card marketplace. But with so many rewards out there, how are you supposed to choose one over another? Thankfully, when you boil rewards down to the basics, you have three types: cash back, points, and miles.

Credit Card Rewards Comparison Chart

Each of the three main rewards formats has its ups and downs. Cash back rewards are generally simpler to keep track of and redeem, while points and miles can offer a better value with specific redemption types. To make matters even muddier, the types of rewards can have their own variations, like branded versus generic travel miles rewards.

The way you earn those rewards can also vary, with two main earnings formats: unlimited flat-rate rewards and bonus category rewards. Unlimited flat-rate rewards are what they sound like, a single flat rewards rate for all card purchases, with no limit on how much you can earn. Cards with bonus rewards categories will offer a higher rewards rate for qualifying category purchases but will typically come with quarterly or annual purchase maximums.

Cash Back | Miles | Points

Best Cash Back Credit Cards

Simple and straightforward, cash back rewards offer a percentage of your purchase back as a rebate, typically redeemable as a statement credit or deposit into a qualifying bank account (generally accounts open with the issuing bank). Cash back rewards tend to have a set value at redemption that is true to their advertised rate; for example, spending $100 with a 2% cash back card will earn $2 in cash back rewards.

Since almost every major issuer has at least one or two cash back offerings, plenty of options are out there for nearly any spending type. Look for cash back bonus categories that best match your spending habits, such as choosing a card that offers bonus rewards for gas purchases if you spend a lot of time on the road. For non-category purchases or a rewards card that doesn’t require remembering categories, go with a flat-rate unlimited cash back card.

CASH BACK 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
Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

CASH BACK 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 15.99%-26.99% 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
15.99%-26.99% (Variable)
$0
Excellent/Good
Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING
★★★★★
4.9
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
13.99% - 24.99% Variable
$0
Good/Excellent

+See More Cash Back Cards

Best Air Miles Credit Cards

While frequent flyer programs require you to actually travel to earn miles, credit cards with miles rewards allow you to earn miles with every purchase, making them an easy way to earn free travel. Air miles credit cards come in two flavors, airline co-branded and issuer-branded, and the per-mile value you get at redemption will vary depending on the nature of the miles, as well as how you redeem them.

Co-branded air miles cards allow you to directly earn airline-branded frequent flyer miles, which automatically accrue in your frequent flyer account. Generic miles cards allow you to earn flexible travel miles that can typically be redeemed directly as credit for travel-related expenses or transferred to a partner airline loyalty program.

AIR MILES RATING
★★★★★
5.0
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
AIR MILES RATING
★★★★★
4.9
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
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING
★★★★★
4.9
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
13.99% - 24.99% Variable
$0
Good/Excellent

+See More Air Miles Cards

Best Points Credit Cards

Credit card rewards points programs can vary significantly in utility and value, based mostly on whether the points you earn are generic issuer-branded points or co-branded with a specific brand partner. For instance, hotel co-branded points are often only redeemable for expenses at that particular hotel brand.

In contrast, generic issuer-branded rewards points often provide significantly more redemption flexibility, with the per-point value dependent on how you choose to redeem. For most programs, cash back redemption will provide the lowest per-point value, while redeeming for travel or transferring points to an airline or hotel partner can provide great per-point value.

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
13.99% - 24.99% 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
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

+See More Rewards Points Cards

Credit Card APR Comparison Chart

Though it can be easy to forget sometimes, credit cards are a form of debt — and that debt isn’t free. Every time you make a purchase with your card, you borrow that money from your issuer, and if you don’t pay it back, you’ll be charged interest to continue borrowing those funds. The annual percentage rate, or APR, listed in your cardholder agreement tells you how much that debt will cost you to borrow.

But your new purchase APR isn’t the only interest rate about which you may need to worry. Balances from other transaction types, including balance transfers and cash advances, will often have their own individual APRs. Late payments can also cause a fourth type of APR to go into effect: the penalty APR, which can replace your new purchase APR until you meet specified conditions (or last indefinitely).

Credit Card Interest Rate Comparison Chart

On the bright side, the fees from all four types of interest rates can generally be avoided with a little work. For example, paying your balance off before the end of your grace period is a simple way to avoid paying interest fees on new purchases, and you can avoid cash advances to side-step that APR. And, you guessed it, paying on time each month can keep you free from penalty APRs.

If you can’t avoid carrying a balance from a new purchase or really need a balance transfer, you can still find ways to eliminate — or, at least, reduce — the interest you’ll have to pay. Introductory 0% APR offers can be found by those with good credit to cut the rate on new purchases and balance transfer alike. For a longer-term solution, try a card with a low ongoing APR to save year-round.

0% New Purchases | 0% Balance Transfers | Low Ongoing APRs

Best Cards with Introductory 0% APR on New Purchases

Interest-free offers have long been a part of consumer credit, but the modern credit card has taken it to a level all its own. Promotional 0% APR offers, usually offered as an introductory deal to new applicants, can give you 12 months or more of interest-free new purchases.

What’s more, most open-loop credit cards with intro-APR offers don’t use deferred interest, so you won’t be charged interest for the whole balance if you have some left over when your terms expire. Plus, if your card also offers purchase rewards, you can earn cash back, points, or miles all while paying no interest on your purchases.

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 17.49%-26.99% 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® Credit 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
17.49%-26.99% (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

+See More Cards with 0% on New Purchases

Best Cards with Introductory 0% APR on Balance Transfers

Balance transfers are used by many balance-carrying cardholders as a way to move a high-interest credit card balance to a card with a lower interest rate, thus reducing the cost of carrying the balance each month. And the best way to ensure you get the lowest possible rate for your transferred balance is by using an introductory balance transfer 0% APR deal to pay no interest on your balance for 12 months or more.

Be aware of the potential balance transfer fees, however. Ranging from 3% to 5% of the transfer amount, balance transfer fees can be costly depending on the size of your balance. To avoid the fee, you should look for a credit card that not only provides a 0% APR offer for balance transfers, but also won’t charge a balance transfer fee for the service.

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
13.99% - 24.99% 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 17.49%-26.99% 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® Credit 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
17.49%-26.99% (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

+See More Cards with 0% on Balance Transfers

Best Cards with Low Ongoing APRs

Although promotional offers that lower your interest rates can be a great way to save on costly fees, these offers are always temporary promotions that will expire after the period ends. Since any remaining balance you have will start accruing interest at the default new purchase or balance transfer APR, the utility of these offers lasts only as long as their terms.

If you tend to carry a balance on a regular basis and a temporary offer won’t cut the cake, a better option may be to find a card with a low ongoing APR that won’t expire. Each card has a predetermined APR range, with the exact APR you receive dependent upon your credit, so choosing a card with a lower APR range will help ensure you wind up with a lower overall APR.

Discover it® Cash Back Review

at Discover Card'ssecure website

LOW APR RATING
★★★★★
4.8
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
13.99% - 24.99% Variable
$0
Good/Excellent
Discover it® chrome Review

at Discover Card'ssecure website

LOW APR RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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 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.
  • Redeem your cash back for any amount, any time. Cash 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 14 months
0% for 14 months
13.99% - 24.99% Variable
$0
Good/Excellent
Discover it® Balance Transfer Review

at Discover Card'ssecure website

LOW APR RATING
★★★★★
4.8
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
13.99% - 24.99% Variable
$0
Good/Excellent

+See More Cards with Low Ongoing APRs

Credit Card Fee Comparison Chart

Outside of interest rate charges, your credit card can come with a range of other fees depending on the benefits and services it offers. These fees come in a variety of guises, with annual or monthly maintenance fees being the most common. Other fees are generally charged for specific services, like completing transactions in foreign currencies, transferring a credit card balance, or making a cash advance.

In some cases, these fees can be worth paying. For example, a high annual fee for a rewards credit card can often be offset by the rewards earned with the card, or by the value of the associated benefits, like airport lounge access or elite status with a particular brand.

Credit Card Fees Comparison Chart

If you’re less inclined to pay costly credit card fees, of course, there are ways to avoid most of them. The easiest to avoid are the various service fees, such as cash advance fees; if you don’t make any cash advances (or cash-equivalent transactions, like buying lotto tickets or money orders), you won’t be charged any cash advance fees.

Other credit card fees may be avoided by simply selecting a credit card that doesn’t charge them. A wide range of credit cards come without annual fees, for instance, and many quality credit card options are out there that don’t charge foreign transaction fees. A little research can even reveal a handful of solid balance transfer credit cards that don’t charge balance transfer fees for the service.

No Annual Fee | No Foreign Transaction Fee | No Balance Transfer Fee

Best Cards with No Annual Fee

Credit card annual fees are one of the few fees that can often tell you a lot about the card itself. For example, if a credit card has a three-digit annual fee, it’s typically either a high-end rewards card for those with good to excellent credit — or a pricey subprime card for those with poor credit.

Outside the subprime cards, however, annual fees aren’t generally necessary to find a quality credit card, not even one that offers solid rewards. These days, eliminating the annual fee is yet another way for credit card issuers to help their product stand out from the massive, massive crowd of contenders. While this can be a bummer for issuers, it’s a definite win for cardholders.

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
13.99% - 24.99% 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
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

+See More Cards with No Annual Fee

Best Cards with No Foreign Transaction Fee

Nearly every time you make a credit card purchase in another currency, whether in the US or abroad, your payment must be converted from US dollars to the native currency (or vice versa, for visitors to the US). These purchases are called foreign transactions by the card companies and can be charged a 2% to 4% fee for the bother of converting the currency to the appropriate form.

Besides simply avoiding transactions in foreign currencies, which isn’t always an option, the easiest way to skip the foreign transaction fees is to choose a card that doesn’t charge them in the first place. Thankfully, a wide range of cards come sans-fees, including many travel-centered credit cards that can also reward you for things like dining and airfare as you venture abroad.

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
13.99% - 24.99% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.74% - 23.74% (Variable)
$0
Excellent, Good
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

+See More Cards with No Foreign Transaction Fee

Best Cards with No Balance Transfer Fee

Given the average credit card APR lies around 16.8% — and can top 30% for those with particularly poor credit — carrying a balance on your cards from month to month can get pretty pricey pretty quickly. One way many people avoid paying high interest fees is by transferring their balance from a high-APR card to one with a lower APR (or a 0% intro-APR deal) to reduce their fees.

Unfortunately, this isn’t exactly a fool-proof plan, primarily because many credit cards charge a balance transfer fee of 3% to 5% of the transferred balance. Worse, this fee can reduce the total amount you can transfer. Instead, you can choose a credit card that doesn’t charge a balance transfer fee, just keep in mind that most of these exclusions apply to balances transferred during specific time periods.

BankAmericard® Credit Card Review

at Bank of America'ssecure website

EXPERT'S RATING
★★★★★
4.6
OVERALL RATING
0.0/5.0
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.49% - 23.49% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
14.99% to 24.99% (Variable)
$0
Excellent/Good

+See More Cards with No Balance Transfer Fee

Credit Card Credit Score Comparison Chart

While it’s true that a variety of factors influence whether your credit card application is accepted, your creditworthiness will definitely carry the most weight. One of the key ways most people (and many lenders) categorize creditworthiness is through credit scores, the most common of which is the FICO Score (or, more specifically, the FICO Score 8).

But it’s important to remember that your credit score is based on your credit reports — reports that creditors will likely investigate themselves, rather than simply relying on your score. So you’ll need more than just a high credit score to qualify for most credit cards; you’ll also need clean credit reports, too.

Credit Card Credit Score Comparison Chart

When giving your credit reports a going-over, it can be helpful to keep in mind the five factors that go into calculating your credit score. Making up 35% of your score is your payment history, where late payments and defaults are reported. Your total debt and credit utilization will show up under your amounts owed, worth 30% of your score.

The length of your credit history will also play a big role, sometimes more so than its 15% credit score value may let on. The same can also be said about your new accounts factor that, while worth only 10% of your FICO score, can get you rejected on its own if you have too many new accounts. Lastly, your credit mix makes up the final 10%, with a healthy mix of revolving and installment loans receiving the highest marks.

Excellent | Good | Fair | Bad | No/Limited

Best Cards for Excellent Credit

To those with excellent credit, few credit cards are out of reach. And with good reason. To obtain excellent credit scores, namely a FICO Score of 740 or higher, one must demonstrate many of the positive credit behaviors that creditors look for in the ideal candidate.

Specifically, to have excellent credit, you’ll generally need an established credit history of at least one year that is free from any negatives, including delinquent payments. You should also maintain a low credit utilization rate — i.e., low credit card balances — and low debt-to-income ratio. In return, you’ll receive the lowest interest rates and easily qualify for many of the best rewards cards.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXCELLENT CREDIT 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
13.99% - 24.99% Variable
$0
Good/Excellent
EXCELLENT CREDIT 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
EXCELLENT CREDIT RATING
★★★★★
5.0
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

+See More Cards for Excellent Credit

Best Cards for Good Credit

Just down the rung from excellent credit lie those with good credit, or FICO Scores between 670 and 739. While good-credit consumers will show many of the same responsible credit behaviors as those with excellent credit, they may have shorter credit histories, higher utilization rates, or a reported late payment in the (moderately distant) credit past.

Happily, those with good credit can still qualify for most of the prime credit cards that are available to those with excellent credit, including quality rewards cards and intro-APR offers. That being said, the interest rates offered to those with good credit may be a bit higher and credit limits a bit lower than those given to higher credit scores.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT 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
13.99% - 24.99% Variable
$0
Good/Excellent
GOOD CREDIT 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
GOOD CREDIT RATING
★★★★★
5.0
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

+See More Cards for Good Credit

Best Cards for Fair Credit

When your credit score is in the fair range, which is FICO Scores between 580 and 669, you are likely building — or rebuilding — your credit history and scores. Those with fair credit may have fairly short credit histories, a few fairly recent negative items (like delinquent payments), or a particularly high credit utilization rate.

Because your fair credit score could be due to any number of factors, those with fair credit tend to exist in a bit of a credit card limbo. While you’ll likely still qualify for some of the more basic or entry-level prime credit cards, depending on which end of the fair-credit spectrum you fall, you may also need to look into secured credit cards or subprime cards to build credit.

FAIR CREDIT RATING
★★★★★
4.8
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
FAIR CREDIT RATING
★★★★★
4.8
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
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 25.74% Variable
$0 - $99
Fair

+See More Cards for Fair Credit

Best Cards for Bad Credit

At the bottom of the credit score totem pole lies those with bad credit, which are consumers with FICO Scores below 580. These consumers likely carry high credit card balances and have multiple recent negative marks on their credit reports — or, in the case of bankruptcy or default, a single, big negative mark.

To potential creditors, a low credit score indicates a high level of credit risk, meaning they see you as having a higher chance of defaulting on your debt. As a result, it’ll be very difficult to qualify for a regular prime credit card, making subprime and secured credit cards likely your only option until you can build a better credit score.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT 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
BAD CREDIT RATING
★★★★★
4.7
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
First PREMIER® Bank Mastercard® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • Checking account required
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See issuer website
See issuer website
Bad Credit

+See More Cards for Bad Credit

Best Cards for No/Limited Credit

Somewhere in the nebulous area between bad credit and fair credit lives those with no or limited credit. In general, this means consumers who have less than six months of reported credit history and are thus unable to qualify for a FICO credit score.

Without a credit score and established history to give creditors an idea of your potential risk, most issuers will simply lump you into the high-risk category. Most — but not all. A number of cards on the market are aimed directly at those with no/limited credit, including some entry-level prime cards, which can be used (responsibly) to start building your credit.

NO/LIMITED CREDIT RATING
★★★★★
4.8
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® Student Cash Back Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
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
14.99% - 23.99% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.6
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
14.99% - 23.99% Variable
$0
Fair

+See More Cards for No/Limited Credit

Which Card Reigns Supreme?

Looking at the vast field of credit card options, it’s amazing to think that just a few decades ago, things like cash back rewards were barely a twinkle in Discover’s eye. Today, the typical credit card has more features and functions than you can shake a stick at.

With such a wide array of offerings, it’s only natural to start wondering which credit card leads the pack. Well, the answer is: none. As with nearly everything in today’s world, credit cards have become a very personalized thing, with no one card fitting the exact needs of every consumer.

In the end, the very best credit card will be the best card for you, which means it suits your particular spending habits, rewards style, interest rate needs, fee exceptions, and credit range. The best card for you will likely vary greatly from the best card for your neighbor.

Furthermore, just as our financial needs can change over the years so, too, can the best card for those needs. As such, it’s a good idea to regularly audit your credit card collection for unnecessary cards, particularly those that card annual fees, to ensure they’re worth their cost.