Rewards: 1 – 8% cash back
The Capital One SavorOne Cash Rewards Credit Card is our pick for best credit card, as it offers high rates of cash back on three common spending categories: dining, groceries and entertainment. Whether you’re a foodie, a sports fan or a home chef, you’ll get a lot of value out of this card — all for a $0 annual fee.
Rewards: 3 – 5% cash back
Rewards on gas: 5% cash back
You can earn up to $300 back on gas purchases in a year with the Citi Custom Cash® Card if you max out the $500 spending cap every month. So if you’re looking to earn as much as you can at the pump with a dedicated gas card, you’d be hard pressed to find a better option.
Rewards on U.S. supermarkets: 1% – 6% cash back
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. Terms apply. Cash back is redeemable for statement credits.
The Blue Cash Preferred® Card from American Express offers one of the best earning rates on U.S. supermarket purchases. If you max out the spending cap, you’ll earn $360 cash back on those purchases alone each year. It’s our pick for the best everyday credit card, as it offers high rates of cash back on common categories like gas, transit and select U.S. streaming subscriptions. Plus, you can easily redeem your cash back for statement credits.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
Sign-up bonus: $750 value
If you want to earn a sign-up bonus that can cover the cost of your next flight (or two), take a look at the Chase Sapphire Preferred® Card. Jetsetters will love the travel protections, as well as the access to the Chase Ultimate Rewards® program — which allows you to redeem points with a host of airline and hotel partners.
Restaurant rewards: 3% cash back on dining
Restaurant regulars will have a hard time finding a card with better rewards than the Capital One SavorOne Cash Rewards Credit Card. You’ll earn 3% cash back on dining and takeout, and you won’t have to cough up an annual fee — it’s just $0.
Low ongoing interest rate: 13.24% to 25.24% variable APR
If you need to carry a balance from month to month and are looking for the best credit card interest rates, we recommend the BECU Visa Credit Card. It offers one of the lowest APRs of any credit card — 13.24% to 25.24% variable APR. Plus, you’ll get introductory APRs for purchases and balance transfers, which can make paying off credit card debt more affordable.
Credit needed: Poor/Limited
The Discover it® Secured Credit Card is our pick for the top secured credit card because it offers perks like cash back rewards and a valuable sign-up bonus — rare features for a card geared toward consumers with poor/limited credit. Plus, you can see if you’re preapproved without damaging your credit.
No deposit required
As far as credit cards go, the AvantCard Credit Card is one of the easiest to get. It’s available to consumers with fair/poor/limited credit and allows you to check if you prequalify without damaging your credit with a hard pull. If you aren’t able to pay off your card every month, though, the high interest rates and late payment fees will make this card an expensive addition to your wallet.
Rewards: 1x – 3x points
With the Ink Business Preferred® Credit Card, you’ll earn valuable Chase Ultimate Rewards® points for purchases in common business spending categories like shipping, advertising and travel. Plus, you can pair your card with other Chase cards to pool points and redeem travel rewards.
And the Ink Business Preferred® Credit Card’s sign-up bonus is nothing to sneeze at. You’ll earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 in cash back — or, if you redeem for travel through Chase Ultimate Rewards®, $1,250 toward your next business trip.
Rewards: Unlimited 1.5% cash back on all purchases
Our pick for best secured business card is the Business Advantage Unlimited Cash Rewards Secured credit card, because it offers a rare perk for a secured credit card: unlimited cash rewards. Note that you’ll need to put up a minimum security deposit of $1,000 in order to get the card, but you’re off the hook when it comes to an annual fee — it’s $0.
Rewards: 1x – 5x points
Frequent flyers will find a lot to love about The Business Platinum Card® from American Express. You’ll get airport lounge access, valuable travel and business credits, as well as the ability to earn a welcome offer that can offset the cost of your next business trip (or two). Plus, you won’t have to worry about foreign exchange fees when you use your card abroad — this card charges none.
To see rates & fees for The Business Platinum Card® from American Express please click here.
Rewards: Earn unlimited 1.5% cash back on every purchase made for your business
Busy business owners will appreciate the ease of using the Ink Business Unlimited® Credit Card. You’ll earn unlimited cash back rewards on every purchase, so you won’t have to track bonus categories or spending caps. Plus, you can earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards: 1% – 8% cash back
The Capital One SavorOne Cash Rewards Credit Card offers up to 8% cash back in a variety of popular spending categories, making it our top pick for cash back credit cards. You won’t have to worry about an annual fee, either — it’s $0.
Rewards: 1% – 5% cash back
The Chase Freedom Flex℠ is our favorite 5% cash back credit card — it offers new bonus categories every quarter, allowing savvy cardholders to maximize their rewards when they pair it with other Chase cards.
Travel rewards: 2X-5X on travel
The Chase Sapphire Preferred® Card will take you far on your next trip. It offers a valuable sign-up bonus, flexible rewards, a reasonable annual fee and various travel protections and credits. Points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards® — plus, you can also transfer your points to a number of travel partners.
Rewards: 1x – 2x miles
The Delta SkyMiles® Gold American Express Card offers rewards and perks that any frequent flyer will love. You’ll get free checked bags, baggage and car rental insurance and access to the Global Assist® Hotline for travel emergencies.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
Rewards: 3x – 14x points
If you’re looking for an elite card that’ll help you travel in style, the Hilton Honors Aspire Card from American Express fits the bill. You’ll get Hilton Honors Diamond status (enrollment required), Hilton credits, a valuable welcome offer and high rewards rates on a variety of purchases. Note, however, that these perks and benefits come with a hefty annual fee of $550.
Rewards: 1.25x – 5x miles
The Capital One VentureOne Rewards Credit Card allows you to earn miles on every purchase while paying $0 in annual fees. If you want a travel card that allows you to redeem miles for travel, but you don’t want to pay an annual fee in exchange for more valuable perks and benefits, you’d have a hard time finding a better option.
Lounge access: Access to more than 1,400 lounges
With fee credits for Global Entry or TSA PreCheck and access to over 1,400 airport lounges, The Platinum Card® from American Express can make your next trip more comfortable. And the benefits don’t stop at the airport — you’ll get more than $1,500 in travel and experience credits, too. Further, cardmembers can also enjoy elevated perks at high-end hotels, as well as higher elite status with Hilton and Marriott’s programs through their cards (enrollment required).
To see rates & fees for The Platinum Card® from American Express please click here.
Automatic reviews: Be considered for a higher credit line in as little as six months
With the Capital One Platinum Credit Card, you’ll get free access to your credit score and pay $0 in annual fees while you build your credit. Plus, you won’t have to put down a security deposit to get the card.
Rewards: 1.5 – 5% cash back
If you’re willing to pay a $39 annual fee in exchange for earning cash back on every purchase, consider the Capital One QuicksilverOne Cash Rewards Credit Card. The cash back rates are excellent, considering that the card is available to consumers with fair/limited credit. Plus, you can safely take this card abroad without worrying about paying foreign exchange fees, as there are none.
Long intro APR on purchases: 0% intro APR 21 months from account opening . 18.24%, 24.74%, or 29.99% Variable APR.
The Wells Fargo Reflect® Card offers one of the longest intro APRs on the market — you’ll have almost two years to pay off a big purchase or balance transfer without accruing any interest.
Purchase APR: 0% intro APR 21 months from account opening . 18.24%, 24.74%, or 29.99% Variable APR.
Balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers. 18.24%, 24.74%, or 29.99% Variable APR.
Intro APR: 0% for 12 months on purchases, 0% for 21 months on balance transfers. Then, a 19.24% - 29.99% (variable) APR applies.
The Citi Simplicity® Card is a solid pick for consumers looking for a simple card with long intro APR periods on balance transfers and purchases. You won’t pay much in fees with this card — there are no late fees or penalty APRs — but you also won’t get cash back in the form of rewards or a sign-up bonus.
Rewards: 1 – 5% cash back
If you’re a student beginning your credit journey, the Discover it® Student Cash Back offers the opportunity to build your credit while earning cash back on every purchase — for a $0 annual fee. Plus, if you need to make a large purchase (like a laptop or school books) and pay it off over time, you’ll get a 0% Intro APR for 6 months on purchases (then 18.24% - 27.24% Variable APR).
Rewards: 1 – 3% cash back
The Bank of America® Customized Cash Rewards Credit Card for Students is a solid choice if you’re a student on the lookout for cash back rewards you can tailor to your spending. You’ll earn cash back on all purchases, including up to 3% cash back in certain popular categories. Still, note that you’ll need to pay your bill on time if you want to avoid high interest rates — the card charges a penalty APR for late payments.
Build credit with no deposit or annual fee
The Capital One Platinum Credit Card reports your credit usage to the three major credit bureaus (Equifax, Experian and TransUnion) and automatically begins reviewing your account at six months to see if you qualify for a higher credit limit. Not every card for fair credit offers automatic reviews, so this is an especially helpful feature if you want to build your credit.
Rewards: 1 – 2% cash back
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
The Discover it® Secured Credit Card offers a slew of perks and features for people who want to build credit. You can check your FICO Score for free. In addition, Discover starts conducting monthly account reviews to determine if you’re eligible for an upgrade to an unsecured card after just seven months. In the meantime, you’ll earn cash back rewards and pay $0 in annual fees.
Long intro APR on balance transfers: 0% Intro APR for 18 months. After, a 17.24% - 28.24% Variable APR applies.
The Discover it® Balance Transfer has an intro APR that gives you more than a year to pay off your balance transfer. Plus, it has a rewards program, which makes the card worth having in your wallet for years to come.
Intro APR on balance transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers. After, a 18.24%, 24.74%, or 29.99% Variable APR applies.
The Wells Fargo Reflect® Card is an excellent choice if you’re looking for a card that’ll give you the most time possible to pay off your balance transfer. You’ll have almost two years to pay off your balance, but you won’t have to pay anything in annual fees — the card charges $0.
Expertise: Credit cards
Education: New York University
Lauren Nicholson is a staff writer at LendingTree, where she focuses on credit cards.
Before joining LendingTree, she worked in the education sector as a college counselor and marketing associate. Lauren is passionate about using clear, concise language to empower readers in times of transition, whether they’re making decisions about their finances or their education.
Lauren has a master’s degree in English from New York University.Read More
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.