Choosing a credit card can be a confusing process. Not only are there a huge number of credit cards on the market, but many different companies issue these products. When searching for the card of your dreams, it’s a good idea to know more about the issuing company.
After all, you will be doing business with them, so you will want to go with the right one for you. In fact, by focusing your attention on the company first, you can narrow down your choices to make the decision easier.
Here are the top credit card companies operating in the US. As you will see, each has a unique history, business model, and set of products.
American Express
American Express has been operating since 1850 and offers a wide array of credit and charge cards. Some of the company’s most notable products include credit cards developed with the frequent traveler and big spender in mind.
Many of its cards offer luxurious perks, such as complimentary entry into thousands of global airport lounges. Some cards allow you to upgrade flights, get free hotel nights, and enjoy valuable credits when dining out.
- Earn 125,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
- Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
- $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
- Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
- Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
- Choose among three card designs
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
18.99% – 25.99% Pay Over Time
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$695
|
Excellent
|
- Earn $400 back in the form of a statement credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year on purchases (then 1%). Also earn 6% cash back on select U.S. streaming subscriptions.
- Earn 3% cash back on transit, including U.S. gas stations, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
- $120 Equinox Credit – Use your Blue Cash Preferred Card to pay for Equinox+ at equinoxplus.com and receive $10 in monthly statement credits. Enrollment required.
- 0% intro APR for 12 months from the date of account opening, then a variable APR applies
- $95 Annual Fee
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 12 months
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N/A
|
15.49% – 25.49% Variable
|
$95
|
Excellent Credit
|
- Earn 75,000 Membership Rewards® points after you spend $4,000 on purchases on your new card in your first 6 months of card membership
- Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants, including takeout and delivery, and 3X points on flights when booked directly with airlines or on amextravel.com. All other eligible purchases earn 1X point.
- 0% Intro APR on eligible charges for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 25.99% variable APR .
- Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. This can be an annual savings of up to $120. Enrollment required.
- Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit to use during your stay. A minimum 2-night stay is required.
- $250 Annual Fee
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 6 Months
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N/A
|
18.99% – 25.99% Pay Over Time
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$250
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Excellent
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+ See More American Express Cards
American Express also has a travel portal where you can easily book flights and accommodations. Be aware that the more premium products can come with sky-high annual fees.
American Express is also one of the few financial institutions that offers charge cards. These products differ from credit cards because they don’t have fixed credit limits.
The debt on a charge card typically has to be repaid at the end of the billing cycle in one lump sum rather than in minimum monthly payments as with a credit card.
American Express cards tend to require credit scores in the good range, and borrowers with very good credit scores (as well as a history of high spending) are expected to qualify for their most premium cards. Moreover, the company does not use the Visa or Mastercard networks, though their cards are accepted at most retailers.
Bank of America
Bank of America, started in 1904, is another longstanding financial institution. It also launched the very first credit card in 1958. Today the bank offers a wide array of credit cards for consumers and small business owners.
Included in its portfolio are credit cards for students, travel, cash back rewards, and secured cards for people who are new to credit or have damaged credit. Its cash back cards are particularly popular because they often come with generous signup bonuses that have easy-to-meet spending requirements.
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter
- Earn unlimited 1% cash back on all other purchases
- Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you’ll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
- 0% on purchases for 9 billing cycles from account opening, then a variable APR applies
- $0 Annual Fee
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% for 9 billing cycles
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N/A
|
13.74% to 23.74% Variable
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$0
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Good
|
- Earn 25,000 bonus points ($250 value) if you make at least $1,000 in purchases in the first 90 days of account opening
- Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere
- No blackout dates or restrictions apply, and points never expire
- 0% introductory APR on new purchases and balance transfers for 18 billing cycles, then a variable APR applies
- No foreign transaction fees
- $0 Annual Fee
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 18 billing cycles
|
0% for 18 billing cycles
|
16.24% – 26.24% Variable
|
$0
|
None/Limited
|
- Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
- Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
- Unlimited 1% cash back on all other purchases
- 0% Introductory APR on new purchases and balance transfers for 18 billing cycles (balance transfer fee applies), then a variable APR applies
- Optional overdraft protection option helps prevent declined purchases, returned checks, or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
- $0 Annual Fee
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% for 18 billing cycles
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0% for 18 billing cycles
|
16.24% – 26.24% Variable
|
$0
|
None/Limited
|
+ See More Bank of America Cards
Because Bank of America is the second largest bank in the US and offers everything from deposit accounts to car loans and mortgages, a large percentage of consumers already do business with it. Bank customers who maintain good histories on their existing accounts may find that getting approved for a Bank of America credit card is relatively simple.
Capital One
A relative newcomer, Capital One started in 1994 and immediately began offering a full suite of credit cards.
Some of the company’s best products are accounts designed for college students. Capital One offers student cards that are not just easy to qualify for but are equipped with compelling rewards programs
- Enjoy 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
- 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 $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
17.49% – 25.49% (Variable)
|
$95
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Excellent, Good
|
- 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 and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- 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; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
16.49% – 26.49% (Variable)
|
$0
|
Excellent, Good
|
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
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|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
16.49% – 26.49% (Variable)
|
$0
|
Excellent, Good
|
The company also has secured credit cards for people who have thin credit files and low credit scores. Since these cards are collateralized with a cash deposit, applicants can qualify for the account and then start to build or rebuild their credit rating with little trouble.
Travel is another major product category for Capital One, and it offers several credit cards ideal for the traveler who wants to redeem rewards with few restrictions. Depending on the card, the rewards rate can be exceptionally high, and the company has a shopping portal that cardholders can use to book their travel arrangements.
Chase
JP Morgan Chase has been providing financial services since 1799. It is currently the largest bank in the US, worth about $3.31 trillion in assets. This puts the company in the perfect position to issue credit cards with 0% APR introductory rates for both purchases and balance transfers. These cards are ideal for the consumer who wants to save money on interest for a year or more.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 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.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 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
|
19.24% – 26.24% Variable
|
$550
|
Good/Excellent
|
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 17.24% – 25.99%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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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
|
17.24% – 25.99% Variable
|
$0
|
Good/Excellent
|
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back 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!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% – 25.99%.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
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|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
17.24% – 25.99% Variable
|
$0
|
Good/Excellent
|
Chase also specializes in the small business space. It has many different credit cards for startups, entrepreneurs, and established business owners.
For the traveler, Chase offers general purpose cards with points redeemable at many airlines and hotel chains as well as co-branded travel cards affiliated with specific companies. These partnerships can be attractive to the traveler who is a frequent customer of those companies because they come with the opportunity to enjoy upgrades and free hotel stays.
In addition to the credit cards that require good to excellent credit ratings, Chase also offers a student card to young adults new to building credit.
Citi
Citibank was founded in 1811 and was then known as the City Bank of New York. Today the company offers a variety of credit cards, including those with cash back rewards.
Citi has developed a range of credit products, some with creative features, including a card that allows cardholders to earn 1% cash back on purchases, then another 1% cash back when the bill is paid. Other cards have high flat-rate cash back as well as tiered rewards programs. Some Citi credit cards are affiliated with big box retailers, which enables cardholders to rack up rewards while shopping.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% – 26.99%, 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).
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
0% Intro APR Period 18 months on Balance Transfers
|
16.99% – 26.99% (Variable)
|
$0
|
Excellent, Good
|
Additional Disclosure: Citi is a CardRates advertiser.
- For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
18.99% – 26.99% (Variable)
|
$95
|
Excellent, Good
|
Additional Disclosure: Citi 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% – 26.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% 15 months Purchases and Balance Transfers
|
0% 15 months Purchases and Balance Transfers
|
16.99% – 26.99% (Variable)
|
$0
|
Excellent, Good
|
Additional Disclosure: Citi is a CardRates advertiser.
It also offers several point-based rewards cards, some developed for dining and others for travel. All cardholders can trade in their accumulated rewards at the company’s shopping portal, ThankYou. Cardholders can redeem cash and points to shop for products, services, gift cards, travel, gas, and even donate to a cause.
While most Citi cards demand high credit scores, the company also offers a secured card for consumers with low scores.
Discover
Discover began operations in 1985, and with its savings and checking accounts, personal loans, home equity loans, and student loans, it offers a number of credit cards.
The most outstanding feature of Discover credit cards is that the company never charges an annual fee. This can be extremely attractive to consumers who are looking for credit cards with rewards but don’t want to worry about a yearly cost being added.
Discover has plenty of cards that offer cash back rewards. In fact, it was one of the first financial institutions to offer this program. Its travel card allows cardholders to earn miles. Some of its cards are developed for students, and most Discover cards offer balance transfer promotions.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
14.24% – 25.24% Variable APR
|
$0
|
Excellent/Good
|
- INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click “Apply Now” to see terms and conditions.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
|
0% Intro APR for 18 months
|
14.24% – 25.24% Variable APR
|
$0
|
Excellent/Good
|
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR will apply.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
14.24% – 25.24% Variable APR
|
$0
|
Excellent/Good
|
Like American Express, Discover does not use the Visa or Mastercard network, but its cards are still accepted by most retailers.
The Bottom Line on Top Credit Card Companies
Having some basic background on the issuing company when searching for the best new credit card can help you make the correct choice. Although many of the issuers offer similar products, the programs and pricing differ.
Some issuers cater to consumers who already have established credit histories, while others are open to people who need to build or rebuild their credit histories. But in all cases, the cards can be used for safe and convenient transactions — and will be an asset rather than a liability with proper use.
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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