The best credit cards of June 2021

 

 

Written by: Jeanine Skowronski | Edited by: Tracy Stewart | Reviewed by: Ted Rossman | May 26, 2021

Advertiser disclosure

Our editorial team provides an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.

The best credit cards offer some combination of lucrative rewards, lengthy promotional APRs on purchases or balance transfers, generous welcome offers and generally favorable terms and conditions. Our team of in-house experts at CreditCards.com have searched through our database to identify the top current credit card offers available today. From the best low interest credit cards to the best rewards credit cards and the best credit cards for credit-building, we can help you compare these top credit cards from our partners to find the one that’s right for you.

Filter Cards by Category

menu

All Categories

Rewards

Starter Credit Card

No annual Fees

Rotating Cash Back

Low Interest

Dining

More

Best rewards credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Blue Cash Preferred® Card from American Express

Rewards Rate

 

6%      6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6%      6% Cash Back on select U.S. streaming subscriptions.

3%      3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

3%      3% Cash Back at U.S. gas stations

1%      1% Cash Back on other purchases

Good to Excellent
Credit Recommended (670-850)

13.99% – 23.99% variable

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best first-time rewards credit card

Our rating:
3.2/5

Capital One Quicksilver Cash Rewards Credit Card

Rewards Rate

 

1.5%      Earn unlimited 1.5% cash back on every purchase, every day

Good to Excellent
Credit Recommended (670-850)

This card is best for

The cardholder just starting out.

badge

Why Apply?

You don’t have to keep track of rewards categories or spending caps.

At A Glance

Intro Bonus

$0

 

Annual Fee

N/A

Regular APR

15.49% – 25.49% variable

See More Details

  • 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0

0% intro on purchases for 15 months

15.49% – 25.49% (Variable)

N/A

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

3.2
3.2/5

Rewards Value:

Rewards Flexibility:

2.1

4.8

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best for frugal families

Our rating:
3.9/5
See Rates & Fees, Terms Apply

 

Blue Cash Everyday® Card from American Express

Rewards Rate

 

3%      3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

2%      2% Cash Back at U.S. gas stations and at select U.S. department stores.

1%      1% Cash Back on other purchases.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing everyday purchases with no annual fee

badge

Why Apply?

Excellent rewards categories and no annual fee make this card a no-brainer for the frequent shopper or commuter.

At A Glance

Intro Bonus

Up to $250

 

Annual Fee

$0

Regular APR

13.99% – 23.99% variable

See More Details

  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0.

0% on purchases for 15 months

13.99%-23.99% Variable

N/A

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

3.9
3.9/5

Rewards Value:

Rewards Flexibility:

3.2

2.9

Customer Experience:

3.4

Best rotating cash back credit card

Our rating:
4.5/5
See Rates & Fees, Terms Apply

 


Discover it® Cash Back

Rewards Rate

 

5%      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.

1%      Plus, earn unlimited 1% cash back on all other purchases – automatically.

Good to Excellent
Credit Recommended (670-850)

This card is best for

People looking for big rewards in specific categories

badge

Why Apply?

This card offers huge everyday earning potential thanks to its 5% cash back rewards rate on rotating categories like gas, restaurants, and more (up to the quarterly max, then 1%; activation required). Discover will also match all the cash back you earn at the end of your first year, which is an incredible cash offer.

At A Glance

Intro Bonus

Cashback Match™

 

Annual Fee

$0

Regular APR

11.99% – 22.99% variable

See More Details

  • 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.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0

0% for 14 months

11.99% – 22.99% Variable

0% for 14 months

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.5
4.5/5

Rewards Value:

Rewards Flexibility:

4.5

4.2

Customer Experience:

4.1

Best for customized bonus categories

Our rating:
4.2/5
See Rates & Fees, Terms Apply

 

Bank of America® Customized Cash Rewards credit card

Rewards Rate

 

3%      Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

2%      Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

1%      Earn unlimited 1% on all other purchases.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Low interest

badge

Why Apply?

Want the joy of boosted rewards with opportunities to pay less interest? Look no further than the Bank of America® Customized Cash Rewards credit card.

At A Glance

Intro Bonus

100,000 miles

Annual Fee

$95

Regular APR

17.24% – 24.49% variable

See More Details

  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • 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 $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$95

N/A

17.24% – 24.49% (Variable)

N/A

Best credit card for foodies

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.4
4.4/5

Rewards Value:

Rewards Flexibility:

4.2

5.0

Customer Experience:

3.0

Our rating:
4/5


Chase Freedom Unlimited®

Rewards Rate

 

5%      Earn 5% on travel purchased through Chase.

3%      Earn 3% on dining at restaurants and drugstores

1.5%      Earn unlimited 1.5% cash back on all other purchases.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Restaurant-goers seeking cash back

badge

Why Apply?

Even with its sizable annual fee, this pretty product’s rewards and benefits make it one of a kind.

At A Glance

Intro Bonus

$200

 

Annual Fee

$0

Regular APR

14.99% – 23.74% variable

See More Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0

0% Intro APR on Purchases for 15 months

14.99 – 23.74% Variable

N/A

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.5
4.5/5

Rewards Value:

Rewards Flexibility:

5.0

4.4

Customer Experience:

3.0

Best flat-rate cash back credit card

Our rating:
4/5

Citi® Double Cash Card

Rewards Rate

 

2%      Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Good to Excellent
Credit Recommended (670-850)

This card is best for

The cash back enthusiast

badge

Why Apply?

Maximize your earning potential by converting your rewards to Citi ThankYou Points at a 1:1 rate.

At A Glance

Intro Bonus

No current offer

Annual Fee

$0

Regular APR

 
Regular APR13.99% – 23.99% (Variable)

 

See More Details

  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0

N/A

13.24% – 19.24% Variable

0% intro for 18 months on Balance Transfers

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

3.6
3.6/5

Rewards Value:

Rewards Flexibility:

4.0

3.0

Features:

4.0

Best balance transfer credit card
Our rating:
4/5

Citi® Diamond Preferred® Card

Rewards Rate

 

This card doesn’t offer cash back, miles, or points

Good to Excellent
Credit Recommended (670-850)

This card is best for

Paying down debt or financing a large purchase

badge

Why Apply?

The exceptional introductory balance transfer offer is one of the longest on the market.

At A Glance

Intro Bonus

No current offer

Annual Fee

$0

Regular APR

14.74% – 24.74% variable

See More Details

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0

0% for 18 months on Purchases

14.74% – 24.74% (Variable)

0% for 18 months on Balance Transfers

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.6

4.7

Customer Experience:

3.0

Best credit card for foodies

Our rating:
4/5

Capital One Venture Rewards Credit Card

Rewards Rate

 

2X      Earn unlimited 2X miles on every purchase, every day.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Simplicity-seeking travelers

badge

Why Apply?

The user-friendly processes of both earning and redeeming your rewards make this card a favorite among travelers.

At A Glance

Intro Bonus

100,000 miles

Annual Fee

$95

Regular APR

17.24% – 24.49% variable

See More Details

  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • 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 $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$95

N/A

17.24% – 24.49% (Variable)

N/A

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.4
4.1/5

Rewards Value:

Rewards Flexibility:

4.6

4.7

Customer Experience:

3.0

Best rewards credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

American Express® Gold Card

Rewards Rate

 

4X      Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.

4X      Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

3X      Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Good to Excellent
Credit Recommended (670-850)

13.99% – 23.99% variable

This card is best for

No blackout dates

badge

Why Apply?

Even with its sizable annual fee, this pretty product’s rewards and benefits make it one of a kind.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$250

N/A

See Pay Over Time APR

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.5
4.5/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best rewards credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Blue Cash Preferred® Card from American Express

Rewards Rate

 

2%      Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

1%      1% cash back on all eligible purchases after spending $50,000 per calendar year.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Gain access to a plethora of benefits that are useful for financing a business.

At A Glance

Intro Bonus

No current offer

 

Annual Fee

$95, waived first year

Regular APR

13.24% – 19.24% variable

See More Details

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

No annual fee

0% on purchases for 12 months from date of account opening

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best rewards credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Blue Cash Preferred® Card from American Express

Rewards Rate

 

5%      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.

1%      Earn unlimited 1% cash back on all other purchases – automatically.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best Secured credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Secured Mastercard® from Capital One

Rewards Rate

 

This card doesn’t offer cash back, miles, or points

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best premium travel credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Chase Sapphire Reserve®

Rewards Rate

 

6%      6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6%      6% Cash Back on select U.S. streaming subscriptions.

3%      3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

3%      3% Cash Back at U.S. gas stations

1%      1% Cash Back on other purchases

Good to Excellent
Credit Recommended (670-850)

13.99% – 23.99% variable

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best airline miles credit card

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Delta SkyMiles® Gold American Express Card

Rewards Rate

 

6%      6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6%      6% Cash Back on select U.S. streaming subscriptions.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best unsecured credit card for bad credit

Our rating:
4/5
See Rates & Fees, Terms Apply

 

Credit One Bank® Visa® for Rebuilding Credit

Rewards Rate

 

6%      6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6%      6% Cash Back on select U.S. streaming subscriptions.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

See More Details

  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Best for business travelers

Our rating:
4/5
See Rates & Fees, Terms Apply

 

American Express® Business Gold Card

Rewards Rate

 

6%      6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6%      6% Cash Back on select U.S. streaming subscriptions.

Good to Excellent
Credit Recommended (670-850)

This card is best for

Maximizing rewards on everyday spending

badge

Why Apply?

Fantastic rewards rates for everyday essentials put this card a step above the rest in terms of practicality.

At A Glance

Intro Bonus

Up to $350

 

Annual Fee

$95, waived first year

Regular APR

13.99% – 23.99% variable

Rates & Fees

Annual Fee

Intro Purchase APR

Regular APR

Intro Balance Transfers APR

$0 introductory annual fee for the first year, then $95.

0% on purchases for 12 months

13.99%-23.99% Variable

N/A

View All The Platinum Card® from American Express Details

Overall Creditcards.com Rating

credit-card-payment

Cash Back Rating:

4.0
4/5

Rewards Value:

Rewards Flexibility:

4.9

3.0

Customer Experience:

Rewards Flexibility:

3.0

5.0

Our methodology and research

ssearch

3,476

Credit Cards Analyzed

analysis

600

Banks Analyzed

Criteria Used

 

Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

All information about Chase Sapphire Preferred® Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.

A guide to the best credit cards

The best credit cards on the market help you achieve important financial goals or bolster your financial well-being. A good rewards credit card, for instance, can help you earn points, miles or cash back on your purchases, while standout balance transfer credit cards can save you hundreds to thousands of dollars in interest. The best credit card for you, of course, depends on your specific aim and spending habits. Here, we highlight our favorite credit cards across all popular categories, including business, low-interest and travel credit cards, and provide more guidance on how to choose the right one for you.

abccd

Editor’s picks: Best credit card details

Blue Cash Preferred® Card from American Express: Best rewards credit card

Why we picked it: This top American Express credit card is our favorite card for families, offering a lucrative 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%) and best-in-class 6% cash back on select streaming services. You’ll also get 3% cash back on U.S. gas stations and transit, and 1% cash back on general purchases.

Pros: In addition to the solid base rewards, the Blue Cash Preferred touts a long(ish) 12-month 0% introductory APR on new purchases (then 13.99% to 23.99% variable), and a generous welcome offer (a $150 statement credit after spending $3,000 in the first six months and 20% back on Amazon.com purchases on the card in the first 6 months, up to $200 back), making it a great option for families about to make a big purchase.

Cons: There are a few caveats attached to the bonus rewards – namely the $6,000 cap on U.S. supermarket purchases and the fact that the 3% and 6% rewards are only available stateside. The $95 annual fee, though waived the first year, might turn off some applicants.

Who should apply? Families who spend $3,200 or more at U.S. supermarkets will recoup the $95 annual fee, plus some – and likely come out ahead in the long term, given the card’s additional rewards categories.

Who should skip? Families who spend less than $3,200 at U.S. supermarkets might be better served by the Blue Cash Everyday Card from American Express, which offers lower rewards on similar bonus categories for no annual fee. Plus, you’ll need good credit (a score of 670 or higher) to qualify.

Capital One Quicksilver Cash Rewards Credit Card: Best first-time rewards credit card

Why we picked it: This popular Capital One credit card has all the features you should look for in a first rewards credit card: no annual fee, no foreign transaction fees, a straightforward but competitive rewards program, a generous cash back sign-up bonus with a low spending threshold ($200 when you spend $500 in your first three months) and CreditWise, a free credit monitoring service.

Pros: You earn 1.5% cash back on all purchases. More notably, those rewards are quite easy to redeem: Capital One doesn’t impose redemption minimums and you have a bevy of options to choose from, including gift cards, checks and statement credits.

Cons: That 1.5% cash back on all purchases is good, but not exactly best-in-class for flat-rate cash back credit cards. You can earn more with the Citi® Double Cash Card, which offers a full 2% cash back on purchases (1% as you spend; 1% as you pay those charges back).

Who should apply? The straightforward rewards program, minimal fees and free credit monitoring make the Quicksilver an excellent choice if you’re in the market for your very first rewards credit card.

Who should skip? As we intimated, rewards card maximizers can certainly earn more cash back with other cards. If you have fair credit, you will likely have a hard time qualifying for the Quicksilver. You can, however, consider the Capital One QuicksilverOne Cash Rewards Credit Card, which touts similar features, albeit for a $39 annual fee and likely a lower credit limit.

Blue Cash Everyday® Card from American Express: Best for frugal families

Why we picked it: This Blue Cash Preferred alternative lets you earn generous rewards on common everyday expenses while skipping an annual fee. Cardholders earn 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on general purchases.

Pros: The card touts a decent welcome offer (a $100 statement credit when you spend $2,000 in your first six months and 20% back on Amazon.com purchases on the card in the first six months), and a competitive 15-month 0% introductory APR on purchases (then 13.99% to 23.99% variable).

Cons: The bonus rewards are less generous than the Blue Cash Preferred’s, though subject to similar caveats: The 3% cash back caps at $6,000 per year (then 1%) and the bonus categories only kick in stateside. You’ll need to accrue at least $25 in cash back to redeem your rewards. (Learn more about the American Express Membership Rewards program.)

Who should apply? Families who spend less than $3,200 a year at U.S. supermarkets can enjoy the Blue Cash Everyday’s rewards without having to worry about recouping an annual fee.

Who should skip? Conversely, families who spend more than $3,200 a year are probably better off springing for the Blue Cash Preferred.

Best for flat-rate cash back: American Express Cash Magnet® Card

 

Why we picked it: This industry staple essentially set the rules for rotating cash back credit cards: Cardholders receive 5% cash back on rotating categories up to $1,500 in combined purchases each quarter (enrollment required), then 1% cash back on all purchases.

Pros: In addition to the solid rotating cash back rewards program, the Discover it touts a competitive 14-month 0% intro APR on purchases and balance transfers (then 11.99% to 22.99% variable). It also offers a number of consumer-friendly benefits, including a free FICO score, no foreign transaction fees and no fee for a first missed payment (up to $40 for any missed payment after that). As a welcome offer, Discover will also match all the cash back you earned at the end of your first year.

Cons: The 5% cash back is subject to that quarterly cap ($1,500 in combined purchases, then 1%) and you’ll have to enroll in the rotating cash back categories each quarter to get the bonus cash back. See the Discover it Cash Back 2021 calendar for a look at featured categories.

Who should apply? Anyone who doesn’t mind tracking rotating cash back categories will get a lot of value from the Discover it Cash Back, particularly if they’re looking for a card with a strong bonus their first year. Rewards maximizers can also consider adding this card to their plastic arsenal. (Get tips for maximizing the Discover it Cash Back’s benefits.)

Who should skip? The rotating categories change from year to year, so if you’re looking to earn extra cash back on a particular type of purchase, you’re better off going with a more targeted rewards card. And, if you’re looking for a rewards card that’s a bit more low maintenance, consider a flat-rate cash back credit card.

Bank of America® Customized Cash Rewards credit card: Best for customized bonus categories

Why we picked it: This no annual fee Bank of America card lets you pick your own 3% cash back bonus category. Cardholders can choose between gas, online shopping, dining, travel, drug stores or home improvements and furnishing. They also get a competitive 2% cash back on grocery store and wholesale club purchases. The 3% and 2% bonus cash back is limited, however, to $2,500 in combined purchases per quarter.

Pros: The card also touts a competitive sign-up bonus, particularly for a no annual fee card: Cardholders earn $200 in online cash rewards when they spend $1,000 in their first 90 days. (That’s one of the highest traditional cash back offers on the market, though a few other cards, like the Chase Freedom Unlimited®, have a lower $500 spend threshold in the same time frame.) Plus, there’s a lengthy 0% introductory APR on new purchases: 15 billing cycles, then 13.99% to 23.99% variable.

Cons: The bonus 3% and 2% cash back is subject to that $2,500 combined purchase cap each quarter. Your rewards redemption options are limited to cash back options, like statement credits, checks or direct deposit into a Bank of America checking or savings account.

Who should apply? Inconsistent spenders can benefit from the ability to customize that bonus category, especially since you can change your selection each calendar month. And existing Bank of America checking account holders should give some extra weight to this cash back card, since they can earn a 25% to 75% rewards boost if they have $20,000 or more in savings through the Bank of America Preferred Rewards program.

Who should skip? Big spenders and non-Bank of America account holders could earn more with other cash back cards that skip a cap on bonus categories.

Chase Freedom Unlimited®: Best for flat-rate and bonus cash back

Why we picked it: Chase recently revamped its popular no annual fee Freedom Unlimited card to include lucrative bonus categories. In addition to a flat 1.5% cash back on general purchases, cardholders now earn 5% cash back on Lyft purchases (through March 2022), 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back on dining and 3% cash back on drug store purchases.

Pros: The Freedom Unlimited also features a sign-up bonus with one of the lowest spend thresholds on the market: Cardholders earn $200 cash back after spending $500 in their first three months. It also touts a 15-month 0% introductory APR on purchases (then 14.99% to 23.74% variable).

Cons: Depending on your spending habits and your level of commitment, you could conceivably earn more with a rotating bonus category cash back card, like the Chase Freedom Flex. (Learn more about the Chase Freedom Unlimited vs. the Chase Freedom Flex.) You also could potentially earn more, at least in the long term, with the Citi Double Cash Card, which, as we previously mentioned, offers a full 2% cash back on all purchases (1% when you spend; 1% as you pay that spend down).

Who should apply? Anyone seeking a general purpose cash back card with a sign-up bonus will be well-served by the Chase Freedom Unlimited. It’s also a good companion card to people who have other Chase credit cards, given the issuer lets you transfer points between accounts.

Who should skip? This no annual fee rewards credit card requires good credit (scores of 670 or higher), so people with no, fair or bad credit should consider other options. If you’re a student, you can potentially qualify for the Chase Freedom Student credit card, which offers 1% cash back on all purchases, a $50 sign-up bonus if you make a first purchase within three months of account opening and a $20 good standing reward on your account anniversary every year for the first five years.

Citi® Double Cash Card: Best flat-rate cash back credit card

Why we picked it: The Citi Double Cash offers 2% cash back on all purchases (1% as you spend; 1% as you pay purchases down), making it the top flat-rate, no annual fee cash back credit card on the market. (Most flat-rate, no annual fee cash back cards offer around 1.5% back on all purchases.)

Pros: The card also touts an uber-competitive balance transfer offer in the form of an 18-month 0% introductory APR on transferred balances (then 13.99% to 23.99% variable).

Cons: The Citi Double Cash’s biggest drawback is its lack of sign-up bonus – which many 1.5% flat-rate cash back cards, like the Capital One Quicksilver or Chase Freedom Unlimited, do offer – so you’ll sacrifice a short-term boost for longer-term value when you apply. (See how the current 1.5% cash back credit cards compare.)

Who should apply? If you’re looking to transfer a balance, but want a card that ultimately earns rewards, the Citi Double Cash is right for you. Its unique rewards structure, which lets you earn an extra 1% cash back when you pay off purchases, serves as an added bonus for people who want to earn rewards in a way that encourages responsible use.

Who should skip? Anyone in the market for a sign-up bonus will want to look elsewhere.

Citi® Diamond Preferred® Card: Best balance transfer credit card

Why we picked it: This no annual fee credit card from Citi touts one of the longest 0% introductory APRs on balance transfers currently available: 0% for 18 months, then 14.74% to 24.74% variable. Balance transfers must be completed within the first four months of account opening.

Pros: The 18-month 0% introductory APR also extends to purchases (then 14.74% to 24.74% variable). While the card doesn’t offer a traditional rewards program, you will enjoy some popular Citi benefits, including Citi Easy Deals, Citi EntertainmentSM and Citi Flex Plan. Learn more about the best Citi credit cards.

Cons: You’ll pay a balance transfer fee of 3% of your balance or $5, whichever is higher, though, admittedly, no balance transfer fees are exceedingly rare on cards with a 0% introductory APR and the 3% fee bests the Citi Diamond Preferred’s previous offer (5% of the transferred balance).

Who should apply? Someone looking to pay down existing high-interest credit card debt can make a big dent with this standout balance transfer credit card offer. And the card is a great option for people actively avoiding rewards, lest they are tempted to overspend while they are trying to get out of the red.

Who should skip? On the flip, the card’s lack of a traditional rewards program might make it less of a fit for someone looking for longer-term value.

Capital One Venture Rewards Credit Card: Best travel credit card

Why we picked it: Offering 2X miles on all purchases for a $95 annual fee, this Capital One card offers a ton of value to average spenders looking for a travel rewards credit card.

Pros: The Venture Rewards credit card currently touts a sweet sign-up bonus. Cardholders can earn up to 100,000 bonus miles if they spend $20,000 in their first 12 months. That works out to around $1,667 a month, but if that feels like a tall order, don’t pass on the card just yet; you can still earn 50,000 bonus miles if you spend $3,000 in the first three months. The card also touts a number of ancillary travel benefits, including no foreign transaction fees, an up to $100 credit for Global Entry orTSA PreCheck, travel accident insurance and car rental insurance.

Cons: The biggest drawback is Capital One’s relatively thin list of transfer partners, which, most notably, doesn’t include a major U.S. airline.

Who should apply? Frequent travelers looking to avoid the pricey $150 to $550 annual fees associated with other standout cards in the travel category can consider the Venture Rewards a great match.

Who should skip? Strategic spenders and luxury travelers are likely better served by a premium travel credit card like the Chase Sapphire Reserve or The Platinum Card® from American Express. If your credit is fair, your Venture approval odds are low, but you can consider the Capital One VentureOne Rewards Credit Card, which offers lower rewards (1.25X miles per purchase), but has a lower barrier to entry.

American Express® Gold Card: Best credit card for foodies

Why we picked it: If you’re looking for the credit card that offers the most rewards for food purchases, well, look no further: The Amex Gold Card offers 4X points at restaurants worldwide and on Uber Eats purchases and 4X points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1X points). Cardholders also receive 3X points on flights booked directly with airlines or amextravel.com, and 1X points on general purchases.

Pros: The card currently carries its highest welcome offer to date: Cardholders receive 60,000 Membership Rewards points if they spend $4,000 in their first six months. We estimate the welcome offer is worth around $600 when you book through Amextravel.com. There are also a number of generous credits that can help you recoup the card’s steep $250 annual fee, including up to $10 per month in statement credits at participating restaurant partners, including Grubhub, The Cheesecake Factory and participating Shake Shack locations.

Cons: While you can recoup the $250 through the card’s ancillary benefits, many of the credits come with a number of caveats that can make them a bit tricky to keep track of. For instance, you can get a $100 hotel credit to spend on qualifying dining, spa and resort activities when you book a two-night stay through The Hotel Collection.

Who should skip? In addition to determining whether or not your spending justifies the high annual fee, you’ll need good to excellent credit to qualify for this card.

Who should skip? Strategic spenders and luxury travelers are likely better served by a premium travel credit card like the Chase Sapphire Reserve or The Platinum Card® from American Express. If your credit is fair, your Venture approval odds are low, but you can consider the Capital One VentureOne Rewards Credit Card, which offers lower rewards (1.25X miles per purchase), but has a lower barrier to entry.

American Express Blue Business Cash™ Card: Best business credit card

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Discover it® Student Cash Back: Best student credit card

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Secured Mastercard® from Capital One: Best secured credit card

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Chase Sapphire Reserve® Card: Best premium travel credit card

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Delta Skymiles® Gold American Express Card: Best airline miles credit card

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Credit One Bank® Visa® for Rebuilding Credit: Best unsecured credit card for bad credit

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

American Express® Business Gold Card: Best for business travelers

Why we picked it: The Amex Blue Business Cash Card is arguably the best business credit card on the market: It offers a generous 2% cash back on your first $50,000 in eligible purchases each calendar year (1% cash back thereafter) – for no annual fee.

Pros: The card also offers a number of cash-flow solutions. Cardholders enjoy a 0% introductory APR on new purchases for their first 12 months of card membership (then 13.24% to 19.24% variable). They also get access to Expanded Buying Power, an Amex feature that lets you spend beyond your credit limit based on certain factors (and earn rewards on that spending), along with Working Capital Terms, which helps with vendor payment management, after six months of card membership (terms apply).

Cons: As we mentioned, there’s that $50,000-in-purchases cap on the 2% cash back rate (then 1%) and there’s no welcome offer. As such, you can conceivably earn more, at least in the short term, with the Capital One Spark Cash for Business, which offers 2% cash back on all purchases (with no cap) and a generous sign-up bonus ($500 after spending $4,500 in your first three months), albeit for a $95 annual fee, waived the first year.

Who should apply? Business owners looking for cash flow solutions, along with business owners who spend less than $50,000 each year, should consider this card a top option.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Best American Express Credit Cards of 2021 – Expert Ratings

Credit Card

Best Use

Annual Fee

CreditCards.com Rating

Blue Cash Preferred® Card from American Express

High cash back rates

$0 introductory annual fee for the first year, then $95.

American Express® Green Card

Travel

$150

Blue Cash Preferred® Card from American Express

Tiered cash back

$0

American Express Cash Magnet® Card

Flat-rate cash back

$0

The Platinum Card® from American Express

Luxury travel perks

$550

American Express Blue Business CashTM Card

Cash back rewards for business

No annual fee

American Express® Gold Card

Dining rewards

$250

Hilton Honors American Express Surpass® Card

Hilton hotel stays

$95

The Blue Business® Plus Credit Card from American Express

Business rewards with no annual fee

No annual fee

Delta SkyMiles® Gold American Express Card

Airline miles

$0 introductory annual fee for the first year, then $99

How we picked the best credit cards

Different types of credit cards are designed to help you achieve different financial goals. As a result, comparing cards across categories can be difficult. The best rewards credit card, for instance, will be characterized by a solid base rewards program, generous sign-up bonus and ancillary benefits, while the best balance transfer credit card would depend on the length of its balance transfer offer, its balance transfer fee and what its APR might be once the balance transfer expires. Having said that, we picked the best credit cards in our database by considering the following criteria.

  • Standout terms in the card’s category: We assessed whether a card’s terms and conditions were competitive when stacked against other cards in its respective category. For instance, for a rewards card, we looked at its rate of return on spending and evaluated whether that return was competitive, compared to other cards in the rewards category.
  • Reasonable costs: We looked at the major costs associated with most credit cards (purchase APR, balance transfer APR, penalty APR, annual fee, foreign transaction fees, etc.) to determine if a card’s offer was competitive in its category.
  • Overall value: If a card did carry certain fees, could those fees be justified by its other benefits? For instance, could you recoup an annual fee via the card’s rewards program? Could you still save on a balance transfer offer paying the balance transfer fee if you paid your balance off in the introductory 0% interest period?

Remember, the right credit card for you will vary, depending on your spending profile and financial goals. Learn more about picking the best credit card.

How credit cards work

In simple terms, credit cards are financial products that allow you to borrow money (usually) without collateral. Here’s how credit cards work: You present your card or account number to a merchant when you want to make a purchase. You get a bill each month, by email or online, for all of your purchase charges and any interest charges. If you don’t carry a balance month to month, then you don’t pay interest. Carry a balance, and the interest starts accumulating. There are ways to mitigate those charges, which we’ll get into in a bit.

Credit cards are designed for short-term borrowing. If you plan on borrowing long term with a credit card, you are destined to pay hundreds, even thousands of dollars in interest charges, particularly if you only pay the minimum each month. What you pay in interest depends on the amount you borrow, how long you borrow and the interest rate you are assigned. (Learn how credit card APRs work.) There are ways to avoid paying any interest, however, and ways to make credit cards benefit your whole financial picture.

Types of credit cards

Different credit cards are designed with different financial goals in mind. Continue reading for expert information on the types of credit cards currently on the market to help you select the best one for you.

Low interest credit cards

Low interest credit cards feature APRs that are lower than the current industry average. (Per our Weekly Credit Card Rate Report, the average credit card interest rate is around 16.15%.) Low interest credit cards are a great option for revolvers – that is, people who are prone to carrying a balance from time to time. Beyond standard low interest credit cards, some cards carry promotional APR offers that let you pay low or, even, zero percent interest for a set period of time on purchases or balance transfers.

Balance transfer credit cards

As of late 2020, the average American carried a credit card balance of $5,897. That sort of debt can quickly become difficult to manage depending on your interest rate. A balance transfer credit card can help. Balance transfer credit cards let you transfer an existing balance over to a new credit card that carries a 0% introductory APR for a set period of time, typically between six to 18 months before the regular variable APR kicks in. There is usually a fee (between 3% to 5% of the balance) to make the transfer. However, a few cards do charge no balance transfer fee. Balance transfer credit cards are a good option for people currently carrying high-interest debt on another credit card as they can save you significantly on interest.

Learn more about the best balance transfer credit cards.

Zero interest credit cards

Some zero interest credit cards don’t offer a 0% introductory APR on balance transfers. Instead, they offer a 0% introductory APR on purchases. (A few cards offer 0% introductory APRs on both.) A zero interest credit card offering a 0% introductory APR on purchases is a good option if you’re looking for some short-term liquidity – that is, you need to make a large purchase that you’ll need a few months to pay off. (Think new fridges or emergency car repairs.) Zero percent intro APR cards typically offer that rate for 6 months to 18 months before the regular variable APR applies.

Learn more about the best zero interest credit cards.

Rewards credit cards

A rewards credit card is one of the few payment methods that net you a return, usually in the form of points, miles or cash back, on your spending. The best rewards credit cards also offer ancillary benefits, like price protection, extended warranties, airport lounge access or certain travel insurance. Many rewards credit cards tout lucrative sign-up bonuses, which allow new cardholders to earn extra points, miles or cash back for spending a certain amount in a set time period, usually the first three months. Some of these benefits come at the expense of an annual fee, though there are quite a few rewards credit cards that don’t charge one. There are a few different types of rewards credit cards to choose from.

Cash back credit cards

Why we picked it: Offering 2X miles on all purchases for a $95 annual fee, this Capital One card offers a ton of value to average spenders looking for a travel rewards credit card.

Cash back credits let you earn and redeem cash, usually in the form of statement credits, gift cards, checks or, even, direct deposits into your bank account. They generally fall into three categories:

  • Flat-rate cash back cards: These cards offer a competitive rate of return (usually between 1% and 2% cash back) on general purchases. They’re best-suited to people who don’t want to think too long or hard about maximizing rewards since you earn the same amount of rewards with each swipe. Suggested card: Citi Double Cash Card, which offers a best-in-class 2% cash back on all purchases (1% when you spend; 1% as you pay those purchases back)
  • Tiered bonus category cash back cards: These cards offer a competitive rate of return (usually between 2% and 6% cash back) in a specific spending category or a few specific spending categories, like dining, gas or groceries. They’re best-suited to people who spend a lot in their particular bonus category or as a supplement to a flat-rate cash back card. Suggested card: Blue Cash Preferred Card from American Express, which offers a competitive rate of cash back in three popular bonus categories, including 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%)
  • Rotating bonus category cash back cards: The cards offer a higher rate of return (usually 2% to 5% cash back) on rotating quarterly spending categories up to a set amount (usually $1,000 to $1,500). They’re generally a bit more high maintenance than flat-rate or tired bonus category cash back cards, given you need to enroll in the bonus categories each quarter, but they are a good fit for rewards maximizers, particularly those that carry more than one card in their wallet. Suggested card: Discover it Cash Back, one of the original rotating bonus category cash back cards, which offers 5% cash back on up to $1,500 in purchases per quarter in various categories throughout the year (then 1%, enrollment required) along with 1% cash back on general purchases

Learn more about the best cash back credit cards.

Travel credit cards

Travel credit cards let you earn points, miles or rewards that you can use, at least primarily, to book future trips. They often tout additional travel benefits, like no foreign transaction fees, airline or hotel upgrades, travel-centric statement credits and supplemental travel insurance. As with cash back cards, there are several types of travel rewards credit cards.

  • General purpose travel credit cards: These cards let you earn points or miles on general purchases (usually at a rate of 1X to 2X rewards), which can be redeemed for a variety of travel purchases, including airfare, hotel stays or, even, car rentals. They’re best-suited to the traveler who craves flexibility or doesn’t tend to frequent a particular travel service provider. Suggested card: Capital One Venture Rewards Credit Card, which offers a generous 2X miles on every purchases for a $95 annual fee
  • Airline travel credit cards: These cards let you earn miles and special perks at a specific carrier. These perks can include a free checked bag, priority boarding, lounge access and seat upgrades. Airline credit cards are a good fit for people who frequently fly the same carrier, at least several times a year. Suggested card: United℠ Explorer Card, which offers a bevy of United benefits, including free first checked bag (when you purchase your ticket using the card), priority boarding privileges with two one-time passes to the United Club℠ each year for your anniversary
  • Hotel travel credit cards: These cards let you earn points and special perks at a specific hotel brand. These perks can include free nights, free amenities (like in-room Wi-Fi) and room upgrades. Hotel credit cards are a good fit for people who frequently travel and stay at the same hotel chain several times a year. Suggested card: Hilton Honors American Express Surpass® Card, which offers, among other things, a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.

Learn more about the best travel credit cards.

Credit-building credit cards

You may have heard that getting a credit card is one of the best ways to start building or rebuilding your credit. That’s because there are credit cards designed specifically to help people with no, fair or, even, bad credit do just that.

Secured credit cards

Secured credit cards require applicants to put down an upfront refundable deposit (typically between $200 to $1,000), which serves as the card’s credit limit. They’re reserved for people with bad credit or no credit who can’t qualify for a traditional, unsecured credit card. The best secured credit cards feature low deposit minimums, reasonable fees (relative to this category) and opportunities to transition to an unsecured credit card and increase your credit limit after a short period of time (generally six to eight months of responsible use). They might also provide access to credit monitoring or financial literacy services.

Learn more about the best secured credit cards.

Starter credit cards

The term “starter credit card” is a catch-all for products that are beginner-friendly. The type of starter credit card you can qualify will vary, depending on your personal profile and credit history.

Learn more about starter credit cards.

Other types of credit cards

Business credit cards

Business credit cards are designed for entrepreneurs, business owners, gig workers and freelancers. They broadly feature rewards for common business needs, like office supplies or internet services, higher credit limits and flexible financing offers, like promotional APRs. Keep in mind, business cards aren’t required to offer the legal protections of consumer cards. That said, the features of a business card may outweigh those considerations.

Learn more about the best business credit cards.

Credit cards without certain fees

While all credit cards carry certain costs (most notably, the interest you’re required to pay if you do carry a balance), some cards appeal to a general audience by foregoing common fees. These include:

  • No annual fee credit cards: These cards skip the annual charge common among luxury travel credit cards or premium rewards credit cards. No annual fee credit cards are a good fit for anyone who wants to earn rewards or take advantage of an introductory interest offer without incurring a charge, particularly in the long term. Suggested card: Blue Cash Everyday Card from American Express, a no annual fee rewards credit card which offers 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on general purchases
  • No foreign transaction fee credit cards: These cards don’t charge fees when you make a purchase overseas or through a foreign merchant. Foreign transaction fees typically cost between 1% and 3% of each transaction. Many of the best travel credit cards skip foreign transaction fees, but there are general purpose no foreign transaction fee credit cards. For instance, all Capital One and Discover credit cards waive foreign transaction fees. That’s why some of their cards are a great fit for credit card newbies who want to ensure they don’t incur charges they might not be familiar with. Suggested card: Capital One Quicksilver Cash Rewards Credit Card, which also carries no annual fee and offers 1.5% cash back on general purchases

How to choose a credit card

You now understand how credit cards work and why they are important, but how do you choose one? We recommend asking these questions as you narrow your search.

  • What’s your credit score? Card issuers primarily look at your credit score and income to determine approvals, so a big first step in choosing a credit card involves checking your credit. Typically, the higher the score, the better the benefits and rewards. (Our CardMatch tool can help you determine which cards you may prequalify for without impacting your credit score.)
  • Do you tend to carry a balance? If so, a low interest or non-rewards zero interest credit card is a better choice than a rewards credit card, given you’re likely to lose any points, miles or cash back you earn to interest.
  • Are you currently carrying high-interest credit card debt? If so, opt for a balance transfer credit card with a long 0% introductory APR window or a waived balance transfer fee.
  • Are you a transactor? That means you charge most purchases to a credit card, but pay them off in full each month. If so, a rewards credit card is the best way to get a return on your spending.
  • Can you recoup an annual fee? If you charge a lot (and pay your balances in full each month), don’t necessarily forego a card with an annual fee. They tend to carry the most lucrative benefits and big transactors are likely to recoup the charge. (Learn when a credit card annual fee is worth it.)
  • Are you looking to earn cash back or miles? Travel credit cards offering points or miles can be quite lucrative, but cash back cards are generally very easy to leverage, particularly when it comes time to redeem.
  • Do you favor a certain airline, hotel or retailer? Co-branded cards tend to carry a good return on those specific purchases, plus extra perks that make them a worthwhile addition to your wallet.
  • Are you looking for a sign-up bonus? These offers let you earn bonus rewards in your first year if you spend a certain amount of money in a set time frame (usually within your first 90 days). See the best credit card sign-up bonuses.
  • Do you already have a credit card? It’s common to carry more than one credit card, given your financial profile and goals change over time. And, in fact, rewards maximizers tend to pair flat-rate cards with bonus category or travel-specific credit cards to get even more bang from their buck. If you’re a disciplined spender, consider this strategy. Here are some other tips for maximizing rewards.

How to apply for a credit card

Once you’ve determined exactly what it is you’re looking for in a credit card, it’s time to apply. There are a number of ways to go about this. You might choose to apply by mail or you can apply online directly through the issuer’s site. Another possibility: if you like its card offerings, you could decide to apply through your financial institution, either online or in-person at a branch. Chances are you’ll receive more favorable terms as an existing client. For applicants with so-so credit, your bank may be willing to approve you for cards you might not qualify for elsewhere, assuming you’ve maintained a relatively unblemished account history.

Whichever route you choose to go, the credit card application process is fairly standard. You’ll be asked to provide basic personal information such as name, address, telephone number and Social Security number along with details on your employment status, annual income, as well as how much you spend monthly on housing, loan repayments and any other financial obligations you might have.

In many cases, your online application is processed right then and there, giving you an answer in a matter of seconds. Once approved, your new card will typically be mailed out to you within a week or two. Other times, the process may take a bit longer and you may receive a later decision by email, snail mail, or telephone.

What happens if your credit card application is denied?

As many Americans continue to struggle financially as a result of the pandemic, card issuers have been quick to tighten requirements for approval, resulting in a decline in overall credit card ownership. If your credit card application has been rejected, the issuer must provide you with an explanation for its decision, which is usually sent by email or sometimes snail mail.

There are a number of reasons why an issuer might choose to reject an application. If your credit report includes derogatory marks and shows multiple accounts in collection, excessive debt and insufficient income, an issuer will most likely deny your application. Likewise, if you’ve applied for multiple cards in a short span of time, the issuer will view this as risky behavior.

Applying for a credit card results in what is known as a hard pull on your credit, which temporarily dings your score each time. For that reason, you don’t want to apply for another card immediately after you’ve been denied. Issuers will interpret this as risky behavior.

It’s a good idea to have a sense of your approval odds before you apply. Our CardMatch tool may help direct you to credit card offers that best align with your credit profile without impacting your credit score.

Who should skip? If you routinely spend over $50,000 a year or are in the market for a welcome bonus, you could come out ahead with a different business credit card, like the aforementioned Capital One Spark Cash for Business or the Ink Business Unlimited® Credit Card, which offers 1.5% on every purchase for no annual fee, along with a $750 bonus cash back after you spend $7,500 on purchases within three months of account opening.

Frequently Asked Questions

A credit card is a payment method that allows you to make purchases with a line of credit provided by a financial institution. It’s also a powerful spending tool that can help you pay down debts, earn rewards and achieve other financial goals. 

The number of credit cards you should have varies, depending on your financial profile, goals and spending habits. For instance, if you’re not a disciplined spender, you might want to limit the amount of credit cards at your disposal. If you’re looking to maximize rewards, you may want two or more credit cards in your wallet. 

Advertiser disclosure

Advertiser disclosure

Advertiser disclosure

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the „Apply Now“ button, you can review the credit card terms and conditions on the issuer’s web site.

As seen on:

By providing my email address, I agree to CreditCards.com’s Privacy Policy

Follow us:

Site

Privacy Policy

Cookie Settings

Do Not Sell My Info

Terms of Use

Site Map

About

Overview

Media Center

Careers

Contact

Customer Support

Partnership Opportunities

Business Development

Media Relations

Contact Us

Related Sites

CardMatch™