The Ultimate Guide to Credit Cards
Friday, September 30, 2022

Credit Card Companies: 15 Largest Issuers of 2022

Credit Card Companies

credit card news

Toby Sembower

Written by: Toby Sembower

Toby Sembower

Toby founded Digital Brands, the parent company of CardRates.com and its sister sites, and now serves as Chairman of the Board. He lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit. His knowledge base spans credit card reward programs to credit repair, lending, and credit bureau reporting.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

Credit card companies, like most other things in life, come in all shapes and sizes.

Some are titans of the industry, spending upwards of $336 million per year to blare commercials 24/7 on every medium known to man. Others lack any kind of name recognition — outside of their employees, and, presumably, a handful of customers.

You don’t want to entrust your financial future to just any credit card company. So, if you’re looking to get a new credit card, where do you even start?

Below we list the 15 largest credit card companies (as measured by the number of active U.S. accounts), along with links to their top credit cards, phone numbers, credit score ranges, and more:

1. Visa — 336M Cardholders

Visa Logo

Visa is the largest major payment network, widely accepted by over 40M merchants. From traditional benefits to premium rewards, Visa offers a wide range of benefits for cardholders around the world. 


VISA® RATING

★★★★★
4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 25.24% Variable
$95
Good/Excellent

VISA® RATING

★★★★★
4.9

OVERALL RATING

  • 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

VISA® RATING

★★★★★
4.8

OVERALL RATING

  • 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
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

Credit Scores Approved

  • Range: 500 to 850
  • Average: 675
  • Translation: Can have anywhere from poor to excellent credit to become a cardholder.

Where to Apply

2. Mastercard — 231M Cardholders

Mastercard logo

The second-largest major credit card network in the United States, Mastercard offers perks like easy bill pay and personal information protection using chip technology. Mastercard processes transactions in over 210 countries and territories, and in more than 150 currencies.


Chase Freedom Flex℠ Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • 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%.
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

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • 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
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 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; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (Variable)
$0
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • 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.

Credit Scores Approved

  • Range: 550 to 850
  • Average: 750
  • Translation: Options for consumers with bad to excellent credit available

Where to Apply

3. Citibank — 95M Cardholders

Citi Logo

Citibank is a major banking institution for customers of all credit standings. Citi cards have two primary rewards programs available: Simplicity and Thank You. The CitiManager® online tool helps its members manage multiple accounts.


CITI® RATING

★★★★★
4.8

OVERALL RATING

  • 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.

CITI® RATING

★★★★★
4.8

OVERALL RATING

  • 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.

CITI® RATING

★★★★★
4.8

OVERALL RATING

  • 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.

Credit Scores Approved

  • Range: 633 to 850
  • Average: 750
  • Translation: Must have good to excellent credit to become a cardholder.

Where to Apply

4. Chase — 83M Cardholders

Chase Logo

Chase is the second-largest issuer of general-purpose credit cards in the U.S. With rewards from companies like Disney and Southwest Airlines, Chase boasts high customer satisfaction for its credit cards. The Chase Sapphire Reserve® is often regarded as the best travel card.


EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

  • 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

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • 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
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
Chase Freedom Flex℠ Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • 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%.
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

Credit Scores Approved

  • Range: 616 to 850
  • Average: 718
  • Translation: Must have fair to excellent credit to become a cardholder.

Where to Apply

5. American Express — 63M Cardholders

Amex Logo

Active in over 160 different countries and territories, American Express (AMEX) is the world’s largest issuer of credit cards in terms of transactions, averaging 6 billion transactions per year. American Express primarily accepts high-income cardholders with robust credit scores.


The Platinum Card® Review

at the issuer’ssecure website

CATEGORY RATING

★★★★★
4.9

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% – 25.99% Pay Over Time
$695
Excellent
Blue Cash Preferred® Card Review

at the issuer’ssecure website

CATEGORY RATING

★★★★★
4.8

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% – 25.49% Variable
$95
Excellent Credit
American Express® Gold Card Review

at the issuer’ssecure website

CATEGORY RATING

★★★★★
4.8

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 Months
N/A
18.99% – 25.99% Pay Over Time
$250
Excellent

Credit Scores Approved

  • Range: 623 to 850 
  • Average: 733
  • Translation: Must have good to excellent credit to become a cardholder.

Where to Apply

6. Capital One — 62M Cardholders

Capital One Logo

Whether your credit score is excellent or poor, Capital One has a credit card for you. With 24/7 customer service and free credit scores via CreditWise, Capital One provides premium benefits and invaluable tools for all its cardholders, including the opportunity to build or rebuild your credit.


EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (Variable)
$0
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 26.99% (Variable)
$395
Excellent

Credit Scores Approved

  • Range: 666 to 850
  • Average: 717
  • Translation: Can have anywhere from poor to excellent credit to become a cardholder.

Where to Apply

7. Bank of America — 58M Cardholders

Bank of America logo

Founded in 1904, Bank of America began as the “Bank of Italy,” serving America’s expanding immigrant population. Bank of America re-branded itself in 1930 and created the first general-use credit card. Its award-winning online and mobile banking makes handling credit cards easy for its customers.


EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
13.74% to 23.74% Variable
$0
Good

EXPERT'S RATING

★★★★★
4.6

OVERALL RATING

  • 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
Intro (Purchases)
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

EXPERT'S RATING

★★★★★
4.6

OVERALL RATING

  • 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
Intro (Purchases)
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

Credit Scores Approved

  • Range: 681 to 850
  • Average: 744
  • Translation: Must have excellent credit to become a cardholder.

Where to Apply

8. Discover — 39M Cardholders

Discover logo

Discover has numerous promotional offers on its credit cards, including cash back, miles, and 0% intro APRs. Dependable fraud protection keeps customers safe while they spend. Applying for a Discover card is easy, and you’ll find they have good offerings for students and businesses alike.


Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

  • 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
Discover it® Balance Transfer Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

  • 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
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • 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

Credit Scores Approved

  • Range: 670 to 850
  • Average: 733
  • Translation: Can have good to excellent credit to become a cardholder.

Where to Apply

9. Synchrony Financial — 37M Cardholders

Synchrony Bank logo

Established in 2003, Synchrony Financial is a major issuer of Mastercard and Visa credit cards. Synchrony offers a wide variety of co-branded retailer and store credit cards that are suitable for a range of credit types.


Credit Scores Approved

  • Range: 300 to 850
  • Average: 630
  • Translation: Can have poor credit to become a cardholder.

Where to Apply

10. Wells Fargo — 23M Cardholders

Wells Fargo Logo

Wells Fargo is one of the oldest financial institutions in America. Wells Fargo credit cards provide competitive offers and diverse financial assistance to suit cardholders of all types. About 1 in 3 American households trust this brand’s six-horse stagecoach with their personal finances.


Credit Scores Approved

  • Range: 620 to 850
  • Average: 750
  • Translation: Must have good to excellent credit to become a cardholder.

Where to Apply

11. Barclays US — 16M Cardholders

Barclays Logo

Barclays is a reliable option for responsible borrowers in good credit standing. Established in 2004, Barclays is known for its co-branded credit cards in partnership with well-known travel, entertainment, retail, educational, and financial institutions. 


JetBlue Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★

4.3

OVERALL RATING

  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3X points on eligible JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all other purchases
  • Enjoy 50% inflight savings on cocktails and food purchases
  • 0% introductory APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening (transfer fee applies), then a variable APR applies
  • No foreign transaction fees, no blackout dates, and points never expire
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 12 billing cycles
17.49%, 21.49%, or 26.49%, based on credit
$0
Good
JetBlue Business Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

  • Earn 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
  • Earn 6X points on eligible JetBlue purchases, plus 2X points at restaurants and office supply stores, 1X points on all other purchases
  • Earn 5,000 bonus points every year after your account anniversary
  • Receive a 50% savings on eligible inflight purchases of cocktails and food on JetBlue-operated flights
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
  • Free first checked bag for you and up to 3 companions on the same reservation when you use your card to book JetBlue-operated flights.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% or 26.49% (variable), based on creditworthiness
$99
N/A
FRONTIER Airlines World Mastercard® Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★

4.0

OVERALL RATING

  • Earn 50,000 bonus miles after spending $1,000 on purchases within 90 days of account opening
  • Earn 5X miles on eligible purchases at flyfrontier.com, 3X miles on restaurant purchases, and 1X miles on all other purchases
  • 0% intro APR for 15 months on balance transfers made within 45 days of account opening (3% balance transfer fee applies), then a variable APR applies
  • Earn a $100 flight voucher every account anniversary after spending $2,500 or more on purchases with your card during your card membership year
  • Cardmembers enjoy Zone 2 priority boarding
  • $0 intro annual fee, then $89
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 billing cycles
17.49%, 21.49% or 26.49%, based on creditworthiness
$0 first year, $89 thereafter
Good

Credit Scores Approved

  • Range: 600 to 850
  • Average: 721
  • Translation: Must have fair credit or better to become a cardholder.

Where to Apply

 12. U.S. Bank — 14M Cardholders

US Bank Logo

U.S. Bank offers credit cards for rebuilding credit for first-timers, students, small businesses, and the general populace. U.S. Bank has many beneficial credit cards that you can easily browse through online.


Credit Scores Approved

  • Range: 600 to 850
  • Average: 725
  • Translation: Can have anywhere from poor to excellent credit to become a cardholder.

Where to Apply

13. USAA — 10M Cardholders

USAA Logo

Begun by former members of the military, the United States Automobile Association issues credit cards for military servicemen, veterans, and their families. USAA members receive cash back, rewards points, low rates, and more. 


Credit Scores Approved

  • Range: 650 to 850
  • Average: 750
  • Translation: Must have fair to excellent credit to become a cardholder.

Where to Apply

14. Credit One — 6M Cardholders

CreditOne Bank logo

Credit One takes care of its customers with cash back rewards and monthly credit score tracking. There’s even a promotional offer for NASCAR fans! In less than a minute, anyone can go online to see if they’re pre-qualified for a Credit One Bank credit card.


  • Credit One Bank® Visa® Credit Card
  • Credit One Bank® Platinum Visa® with Cash Back Rewards
  • Credit One Bank® Visa® Credit Card

Credit Scores Approved

  • Range: 530 to 850
  • Average: 675
  • Translation: Can have poor credit to become a cardholder.

Where to Apply

15. PNC Bank

A popular brand east of the Mississippi River, PNC Financial Services issues credit cards to individuals and small businesses with strong credit histories. The majority of PNC cardholders (60%) have high credit scores. PNC cardholders enjoy lower rates and great rewards for their financial responsibility.


Credit Scores Approved

  • Range: 620 to 850
  • Average: 719
  • Translation: Must have fair credit or better to become a cardholder.

Where to Apply

Sources and Further Reading

As you can see, the nation’s largest issuers offer credit cards for all types of credit-worthy customers. No matter your credit score, however, you should take your time to research credit card offers and the companies behind them, as your experience can vary greatly based on the card and issuer.

With the right knowledge, you’ll be ready to make a responsible, informed decision in choosing your next credit card.


To see the top credit cards ranked:

Recommended sites that we used to compile the data in this guide:

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