Writer: Bob Haegele
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
Consumers today have a plethora of options when choosing their next credit card. You may be wondering what the best choice may be, but the reality is that it depends on how you will use the card and what your credit score is. Some credit cards are excellent for some uses but not the best for other purposes.
To find the best choice, you must determine how you will use the card. From there, you can choose from a few of the best credit cards in several key categories.
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Cash Back Credit Card Reviews
Cash back credit cards allow you to earn a percentage of your purchase back in the form of cash or statement credits. Some have high earning rates in certain categories, while others earn a flat cash back rate on every purchase.
Flat-rate cards typically don’t have the industry’s highest cash back rates, partly because they often have no annual fees. Other cards offer tiered rewards that earn high cash back rates in common categories, such as groceries and online purchases.
When selecting a cash back credit card, look for features such as no foreign transaction fees or other hidden fees. In addition, the best cards in this category often have signup bonuses and a 0% intro APR on purchases.
The following cash back cards are the top-rated cards according to CardRates experts:
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy – from gifts to groceries – BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- 0% intro APR on purchases and balance transfers for 15 months; 17.49% – 26.49% variable APR after that; balance transfer fee applies.
- Terms and conditions apply.
- Earn a one-time $200 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
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Unlimited® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
+ See All Cash Back Credit Card Reviews
As these credit card reviews note, the best cash back cards are packed with features that help them stand out. While these cards typically require at least good credit, you may be able to circumvent this with a cash back secured credit card.
Whichever card you choose, cash back credit cards can often provide a lot of value with minimal fees.
Travel Credit Card Reviews
Travel credit cards let you earn travel rewards, typically in the form of points or miles. These cards tend to have the highest earnings when booking flights and hotels but may also have elevated earnings at restaurants and rideshare companies. You can often earn the most rewards when booking through the card issuer’s travel portal.
Some travel cards automatically grant you loyalty status with hotels or airlines. For instance, The Platinum Card® includes automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. However, enrollment is required.
When looking for a travel credit card, consider additional travel features such as purchase protection and extended warranties. Some cards, including the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, have these features as part of their World Elite Mastercard benefits.
Other cards in this category have additional perks such as lounge access and annual travel credits. For example, the Capital One Venture Rewards Credit Card includes complimentary visits to Capital One Lounges. You also earn more points when booking through Capital One Travel.
These are the top-rated travel credit cards, according to CardRates experts:
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
- Low $95 annual fee.
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Premium Rewards credit card for the things you already buy – from gifts to getaways – BofA Rewards™ members earn more points.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at BofA Travel.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Additional Disclosure: Citi is a CardRates advertiser.
- Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Additional Disclosure: Citi is a CardRates advertiser.
+ See All Travel Credit Card Reviews
Some travel cards are branded cards tied to a specific hotel brand or airline, though the list above highlights general travel cards. Some of these cards let you transfer points to your preferred hotel or airline brand to book your next trip.
These cards also have lucrative signup bonuses and high earning rates to help you save on travel arrangements.
0% Intro APR Credit Card Reviews
With credit cards’ double-digit APRs, carrying a balance every month can be very costly. Cards with 0% intro APRs can help as they charge no interest on purchases for up to 18 months, depending on the card. This is ideal for making a large purchase you can slowly pay off without worrying about accruing interest.
Credit cards in different categories on this list often overlap, and that includes 0% intro APR cards. As you will see in these credit card reviews, these cards are often good for earning cash back or points to use toward travel, in addition to their 0% intro APR on purchases.
These are the best 0% intro APR credit cards, according to CardRates experts:
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% – 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy – from gifts to groceries – BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Additional Disclosure: Citi is a CardRates advertiser.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
- Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy – from gifts to getaways – BofA Rewards™ members earn more points.
- 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy – from gifts to groceries – BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
+ See All 0% Intro APR Credit Card Reviews
Remember that you should pay your balance before the end of the intro period, if possible. While you have ample time to pay the card down, the balance will start accruing interest once the intro period ends. Pay the card’s balance down to avoid costly interest charges.
Balance Transfer Credit Card Reviews
Balance transfer cards allow you to transfer one or more credit card balances to a new card from a different credit card company. Balance transfer cards often have a low or 0% intro APR for up to 21 months. This can help you consolidate your credit card debt and pay down your balance while saving money on interest.
However, you may still have to pay a balance transfer fee on any balance you transfer to your new card. These fees are sometimes lower during the intro period, but you typically cannot avoid them entirely. The fee is usually a small percentage, typically 3% to 5% of the transfer or a flat dollar amount, whichever is greater.
These are the best balance transfer credit cards, according to CardRates experts:
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% – 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% – 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Additional Disclosure: Citi is a CardRates advertiser.
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% – 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
+ See All Balance Transfer Credit Card Reviews
Keep in mind that some balance transfer cards require you to complete balance transfers within a specified period, typically 45 to 90 days. In addition, their regular APR is often just as high as any other credit card.
Similar to 0% intro APR cards, you should pay off your balance on the card during the intro period if possible. Otherwise, you’ll start accruing interest once the promotional period is over, leaving you in potentially the same position as where you started.
Credit-Builder Credit Card Reviews
While the best credit cards often have desirable features, such as no annual fees or 0% intro APRs, these cards may not be accessible if you don’t have great credit. In this case, you can apply for a credit-builder card while you work to establish a healthy credit profile.
Credit cards that help you build credit are often secured credit cards, meaning they require a refundable security deposit. The security deposit typically equals your credit limit.
The best credit builder cards automatically consider you for a credit limit increase after a certain period, such as after six months. In addition, they often earn cash back and are eligible for an upgrade to an unsecured card later.
Other features to look for include reports to major credit bureaus, as this can help you build credit with responsible use. Here are our top picks for credit-builder cards:
- The secured Self Visa® Credit Card* requires no credit check or minimum score.
- Reports to all 3 major credit bureaus to establish and build credit, with free access to your credit score.
- Secure your credit line with a refundable security deposit as low as $100.**
- Deposits are returned upon account closure after settling outstanding balances.
- *The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
- **Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 2 million+ cardholders who have used opensky® to build better credit!
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
- Top rated mobile app
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Top rated mobile app
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- A $200 refundable deposit is your first step toward better credit!
- Apply with no impact to your credit!²
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ²We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
+ See All Secured Credit Card Reviews
Some that help you build credit can have a high APR, despite requiring a security deposit. One alternative is the The secured Chime Visa® Credit Card, which doesn’t allow you to carry a balance. As a result, there is no APR. It’s generally best to avoid excessive fees, especially while you are building your credit.
Student Credit Card Reviews
Qualifying for the best credit cards can be challenging if you are a student, as you may have a limited credit history. But student credit cards are meant for students with limited credit and often have features like no annual fee, cash back rewards, and competitive APRs.
Some student credit cards even have introductory offers that help you earn extra cash back and 0% intro APR on purchases. These cards can also include benefits and perks for those in higher education.
These are the best picks for student credit cards, according to our experts:
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount.
- No annual fee.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% – 25.49% applies.
- Terms and conditions apply.
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% – 25.49% applies.
- Terms and conditions apply.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy – from gifts to groceries – BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
+ See All Student Credit Card Reviews
There is no shortage of student credit card options, but some student cards have excessive fees or other unreasonable terms. Be wary of these fees before choosing and applying for a student credit card.
Business Credit Card Reviews
Business credit cards may be available to everyone from self-employed individuals to large corporations. These cards often have lucrative signup bonuses and high earning rates for business expenses. Many cards have no annual fee, making them worth considering no matter the size of your business.
When considering a business card, look for cash back categories that match your business expenses. The best business credit card will have extra benefits and perks for travel, which can be useful if you are frequently on the go for business.
These are the best business credit cards, according to CardRates experts:
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.74% to 26.74% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.74% to 26.74% will apply.
- Contactless Cards – the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
- 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No limit to the amount of points you can earn and points don’t expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.74% to 26.74% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Save money on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 14.74% to 25.74% will apply.
- Get employee cards at no additional cost to you and with credit limits you set.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
+ See All Business Credit Card Reviews
You can benefit from a business credit card no matter the size or scope of your business. To apply for one, you typically must provide the standard information, including your name and, in this case, the business name. You may also have to provide an employer identification number (EIN) to verify your business.
What is the Best Credit Card to Get?
While several credit cards stand out as industry leaders, there is no “best” card for everyone. The best choice depends on factors like your credit history and spending habits.
You may also consider specific use cases, like balance transfers or credit-building. Lastly, extra features like purchase protection or signup bonuses may also be a factor.
Whether you want a secured card, rewards card, or cash back card, you have several things to consider, including our top recommendations in each category.
While there are many great credit cards to consider, the best choice depends on the situation. Determine which of the above categories most closely aligns with your spending to help narrow down your choices.
How Do I Apply and Get Approved For a Credit Card?
Applying for a credit card involves several steps, but the process can go smoothly with the right preparation. First, review the categories in this article to determine what kind of card you need.
Then, review your credit report by requesting a copy from the three major credit bureaus (Experian, Equifax, and TransUnion) by visiting AnnualCreditReport.com. You can usually request one free copy from each bureau every 12 months.
For a credit score estimate, you can use services like Chase Credit Journey or CreditWise from Capital One. These services don’t require you to be a customer and can help you determine your approval odds for different credit cards.
Once you have an idea of your credit history and score, you can apply for the credit card you want. You can then apply for the card online, over the phone, or in person if the issuer has physical locations. Instant approval is possible in some cases, but sometimes it may take a few days or weeks. If you don’t receive your approval decision instantly, you may receive an email or paper mail requesting more information or an explanation of the denial reason.
If your first application isn’t successful, you can take steps to increase your approval odds. These include correcting credit report errors, improving your credit score by making on-time payments, and applying for offers that match your eligibility. Approval is never 100% guaranteed, but these steps can help you improve your chances.
Which Factors Are Most Important When Choosing a Credit Card?
Several factors should be considered when choosing a credit card, but the following are some of the most important:
- Rewards: The best rewards credit card will have specific categories that earn high cash back, typically on hotels, flights, and dining out. Look for a card that aligns with your spending habits.
- Benefits and perks: Depending on the card, there may be certain benefits and perks included, like airport lounge access, purchase protection, or identity theft monitoring.
- Intro offers: Many credit cards have various intro offers, such as bonus points or miles after spending a certain amount in a given time from account opening. They may also have a balance transfer or 0% intro APR offer.
- Interest rate (APR): The APR determines how much interest you will pay if you carry a balance on the card. The higher the APR, the more interest you can expect to pay. Look for a low APR to avoid hefty interest charges.
- Fees: The best credit cards often do away with common fees, such as annual fees, foreign transaction fees, and late fees. However, premium cards may have annual fees that are quite high in some cases. Regardless, look for a card with a fee that matches your budget.
- Universal acceptance: You may want a card that is accepted worldwide if you frequently travel internationally. In this case, a Visa credit card or a Mastercard may be a better choice than cards from Discover and American Express.
Again, there isn’t a single factor that outweighs all others. However, the factors mentioned here can help you determine which credit cards could be the right fit for you.
What is the Best Credit Card to Improve Credit?
There isn’t a single “best” card to improve your credit. However, if you have poor credit or no credit history, a secured credit card such as the Capital One Quicksilver Secured Cash Rewards Credit Card could be a good choice.
Secured cards require you to put down a refundable security deposit, which typically matches your credit line. And you may be able to qualify for an unsecured card from the same issuer later.
Alternatively, you may opt for a different type of credit-builder card, such as student credit cards or unsecured cards for bad credit. Unsecured means you don’t have to put down a security deposit before you use the card.
Lastly, some credit-builder cards are marketed to those who already have at least fair credit. This allows you to avoid exorbitant fees and even earn rewards in some cases.
Generally, the higher your credit score, the better your card options will be. Thus, building your credit score will generally allow you to qualify for better cards in the future.
Read Credit Card Reviews Before Making a Selection
You have many options when choosing a credit card, including cash back cards, balance transfer cards, business cards, and student cards. There are many great cards in each category, so you must determine how you will use the card to narrow down your choices. Also consider factors such as the rewards, APR and fees, and intro offers.
If you are having trouble qualifying for a credit card, work on improving your credit score by making on-time payments or applying for a credit-builder card. Remember that the best choice depends on the situation. Consider the factors discussed here to help decide which credit card is right for you.
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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