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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Best Credit Cards in May 2024

Updated on:
Content was accurate at the time of publication.
Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our

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At LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. Our team of writers and editors follows these key guidelines:
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Citi is an advertising partner.

The best credit cards help you put money back in your wallet just by using them. You can get sign-up bonuses worth hundreds, cash back rewards programs, travel and experience credits and 0% APR periods that save you on interest. We’ve compiled a list of the best credit card offers in 2024 so you can start earning.

28 Top Credit Cards

Best credit card

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

Rewards: 1 – 8% cash back per $1 spent

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases

Annual Fee$0
Intro Purchase APR0% intro on purchases for 15 months
Regular Purchase APR19.99% - 29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Cash back on dining, groceries and entertainment
  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Credit recommended: good/excellent
  • Balance transfer fee applies

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 and rewards credit cards. Its $0 annual fee and high cash back rate make it valuable for almost anyone who spends much on dining, grocery stores and entertainment.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best credit card for gas

Citi Custom Cash® Card

Citi Custom Cash<sup>®</sup> Card Citi Custom Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

Rewards on gas: up to 5% cash back per $1 spent

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Annual Fee$0
Intro Purchase APR0% intro APR for 15 months on Purchases
Regular Purchase APR19.24% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-850
Fair/Good/Excellent
  • 5% cash back on your highest earning category each month
  • Easy-to-earn sign-up bonus
  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Bonus capped at $500 spend each month
  • Only earns 1% cash back on most other purchases

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.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Best credit card for groceries

Blue Cash Preferred® Card from American Express

Blue Cash Preferred<sup>®</sup> Card from American Express Blue Cash Preferred<sup>®</sup> Card from American Express
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Rewards on U.S. supermarkets: 1% – 6% cash back per $1 spent

Earn 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.


Annual Fee$0 intro annual fee for the first year, then $95.
Intro Purchase APR0% on purchases for 12 months
Regular Purchase APR19.24%-29.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • High rate of cash back at U.S. supermarkets
  • Valuable welcome offer
  • Long intro APR period on purchases
  • Capped elevated rewards rate
  • Foreign transaction fees
  • Annual fee after first year

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 or at Amazon.com checkout.

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.

Best credit card sign-up bonus

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
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on Chase's secure site

Sign-up bonus: Up to $750 value

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.49%–28.49% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
  • Generous sign-up bonus
  • Strong travel insurance and protections
  • Flexible rewards
  • $0 foreign transaction fees
  • No complimentary airport lounge access
  • $95 annual fee

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 TravelSM program — which allows you to redeem points with a host of airline and hotel partners.

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best credit card for restaurants

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

Restaurant rewards: 3% cash back on dining per $1 spent

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases

Annual Fee$0
Intro Purchase APR0% intro on purchases for 15 months
Regular Purchase APR19.99% - 29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Cash back on dining, groceries and entertainment
  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Credit recommended: good/excellent
  • Balance transfer fee applies

It’s hard to find a better rewards rate on restaurants with a $0 annual fee than the Capital One SavorOne Cash Rewards Credit Card. Its elevated 3% earning rate is unlimited — other cards will typically cap their highest earning rate.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best low-interest credit card

BECU Visa Credit Card*

BECU Visa Credit Card BECU Visa Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.5
Learn More
on Boeing Employee's Credit Union's secure site

Low ongoing interest rate: 13.24% to 25.24% variable APR


Annual Fee$0
Intro Purchase APR0% intro APR for 12 months on purchases
Regular Purchase APR13.24% to 25.24% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
  • $0 annual fee
  • Extremely low APR
  • No rewards or sign-up bonus
  • Must qualify for BECU

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.

  • No annual fee
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees
  • Choose from four card designs
*The information related to the BECU Visa Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for bad credit/best secured credit card

Discover it® Secured Credit Card

Discover it<sup>®</sup> Secured Credit Card Discover it<sup>®</sup> Secured Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees

Credit needed: Limited/Poor


Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited/Poor
  • Cash back rewards program
  • Sign-up bonus
  • See if you’re preapproved without harming your credit
  • $0 annual fee
  • Security deposit required
  • High interest rates

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 limited/poor credit. Plus, you can see if you’re preapproved without damaging your credit.

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

Easiest unsecured credit card to get

AvantCard Credit Card

AvantCard Credit Card AvantCard Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

2.3
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on Avant's secure site

No deposit required


Annual Fee$59
Intro Purchase APRN/A
Regular Purchase APR35.99%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-660
Limited/Poor/Fair
  • See if you prequalify without affecting your credit score
  • Available to people with limited/poor/fair credit
  • Good for rebuilding credit
  • High APR
  • Annual fee
  • Late payment fee

As far as credit cards go, the AvantCard Credit Card is one of the easiest to get. It’s available to consumers with limited/poor/fair 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.

  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39
  • Checking your eligibility does not affect your credit score

BEST BUSINESS TRAVEL CREDIT CARD

Ink Business Preferred® Credit Card

Ink Business Preferred<sup>®</sup> Credit Card Ink Business Preferred<sup>®</sup> Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Chase's secure site

Rewards: 1x – 3x points per $1 spent

Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR21.24% – 26.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
  • Valuable sign-up bonus
  • Earn points for purchases in common business spending categories
  • Pairs with other Chase cards
  • Annual fee
  • High spending requirement to earn sign-up bonus

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 this card with other Chase cards to pool points and redeem travel rewards.

You’ll also 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 Travel℠, $1,250 toward your next business trip.

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase TravelSM
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase TravelSM
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Best business travel credit card

The Business Platinum Card® from American Express

The Business Platinum Card<sup>®</sup> from American Express The Business Platinum Card<sup>®</sup> from American Express
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Rewards: 1x – 5x points per $1 spent

5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APR19.49% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Valuable welcome offer
  • Access to airport lounges
  • $1,000+ in credits toward travel and business expenses
  • Foreign transaction fee: None
  • High annual fee
  • High spending requirement for welcome offer

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.
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Best cash back business credit card

Ink Business Unlimited® Credit Card

Ink Business Unlimited<sup>®</sup> Credit Card Ink Business Unlimited<sup>®</sup> Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Chase's secure site

Rewards: Earn unlimited 1.5% cash back on every purchase made for your business


Annual Fee$0
Intro Purchase APR0% Intro APR on Purchases for 12 months
Regular Purchase APR18.49% - 24.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Unlimited cash back
  • Valuable sign-up bonus
  • $0 annual fee
  • Foreign transaction fee

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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Best 2% cash back credit card

Wells Fargo Active Cash® Card*

Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
Learn More
on Wells Fargo's secure site

Rewards: 2% cash back per $1 spent

Earn unlimited 2% cash rewards on purchases

Annual Fee$0
Intro Purchase APR0% intro APR for 15 months from account opening
Regular Purchase APR20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • $0 annual fee
  • Unlimited cash back
  • Easy-to-earn sign-up bonus
  • Intro APR on purchases and balance transfers
  • No bonus categories
  • Foreign transaction fee

The Wells Fargo Active Cash® Card is a simple yet valuable cash back card that has a $0 annual fee. Its elevated flat rewards rate can rack up cash back quickly on its own — or complement other cards with different bonus categories.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

5% cash back credit card

Chase Freedom Flex℠*

Chase Freedom Flex℠ Chase Freedom Flex℠
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4.5
Learn More
on Chase's secure site

Rewards: 1 – 5% cash back per $1 spent

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Annual Fee$0
Intro Purchase APR0% intro APR on purchases for 15 months
Regular Purchase APR20.49% - 29.24% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • High cash back rate on quarterly rotating categories
  • Easy-to-earn sign-up bonus
  • Intro APR on purchases and balance transfers
  • $0 annual fee
  • 5% bonus category limited to $1,500 per quarter
  • Must register to activate 5% bonus categories
  • Can’t transfer rewards to hotels or airlines without a premium card

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.

It offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best travel credit card

Chase Sapphire Reserve®

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
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4.9
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Travel rewards: 1x – 10x points per $1 spent

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

Annual Fee$550
Intro Purchase APRN/A
Regular Purchase APR22.49% – 29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
  • Lounge access
  • $300 travel credit
  • TSA PreCheck/NEXUS fee credit
  • Strong travel protections
  • $550 annual fee
  • $75 authorized user fee
  • Sign-up bonus is the same as lower-annual-fee version of the card

The Chase Sapphire Reserve® is one of the most valuable travel credit cards out there. It comes with benefits like a $300 travel credit, lounge access and travel protections that help cover the $550 annual fee. It also earns flexible points that can be transferred to partners like JetBlue, Southwest, United, Marriott and Hyatt at a 1:1 ratio.

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC

Best airline credit card

Delta SkyMiles® Gold American Express Card

Delta SkyMiles<sup>®</sup> Gold American Express Card Delta SkyMiles<sup>®</sup> Gold American Express Card
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3.2
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on American Express's secure site
Rates & Fees
|Terms Apply

Rewards: 1x – 2x miles per $1 spent

Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.

Annual Fee$0 introductory annual fee for the first year, then $150.
Intro Purchase APRN/A
Regular Purchase APR20.99%-29.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Earn miles on every purchase
  • Foreign transaction fee: None
  • First checked bag free on Delta flights
  • Travel insurance and protections
  • Welcome offer
  • Annual fee
  • Potentially high APR

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.
  • Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Terms Apply.

Best hotel credit card

Hilton Honors Aspire Card from American Express*

Hilton Honors Aspire Card from American Express Hilton Honors Aspire Card from American Express
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4.2
Learn More
on American Express's secure site

Rewards: 3x – 14x points per $1 spent

Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants, and 3X for other purchases on your card

Annual Fee$550
Intro Purchase APRN/A
Regular Purchase APR20.99% to 29.99%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Valuable welcome offer
  • Travel and purchase protections
  • Annual Free Night Reward
  • Up to $400 resort credit
  • Hilton Honors Diamond status (enrollment required)
  • High annual fee
  • Hilton Honors points value lower than other rewards 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.

  • 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
  • 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
  • 3X Hilton Honors Bonus Points on other purchases
  • Complimentary Hilton Honors Diamond status
  • One Weekend Night Reward at a hotel or resort in the Hilton portfolio with your new Card and each year of Card Membership
  • A second Weekend Night Reward at a hotel or resort in the Hilton portfolio after spending $60,000 in purchases on the Card in a calendar year
  • Up to $400 Hilton Resort credit
  • Up to $200 flight credit (up to $50 per quarter)
  • Up to $189 CLEAR credit (enrollment required)
  • $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
  • National Car Rental® Emerald Club Executive® Status (enrollment required)
  • Access to 24/7 American Express concierge
  • No foreign transaction fees
  • Terms apply
*The information related to the Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best no-annual-fee travel credit card

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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on Capital One's secure site
Rates & Fees

Rewards: 1.25x – 5x miles per $1 spent

1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel

Annual Fee$0
Intro Purchase APR0% intro on purchases for 15 months
Regular Purchase APR19.99% - 29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • $0 annual fee
  • Foreign transaction fee: None
  • Earn miles on every purchase
  • Credit recommended: good/excellent
  • Balance transfer fee applies

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.

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best credit card for lounge access

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
LendingTree's Review

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4.5
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on American Express's secure site
Rates & Fees
|Terms Apply

Lounge access: Access to more than 1,400 lounges


Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Extensive airport lounge access
  • $1,000+ in travel and experience credits
  • Valuable welcome offer
  • Fee Credit for Global Entry or TSA PreCheck
  • Foreign transaction fee: None
  • Requires good/excellent credit
  • High annual fee

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 $1,000 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.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best credit card for fair credit

Capital One Platinum Credit Card

Capital One Platinum Credit Card Capital One Platinum Credit Card
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4.1
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on Capital One's secure site
Rates & Fees

Automatic reviews: Be considered for a higher credit line in as little as six months


Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Limited/Fair
  • $0 annual fee
  • Unlimited access to your credit score
  • Foreign transaction fees: None
  • No security deposit required
  • No rewards program
  • High APR

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.

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Runner-up, best credit card for fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card
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4.4
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on Capital One's secure site
Rates & Fees

Rewards: 1.5 – 5% cash back per $1 spent

1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

Annual Fee$39
Intro Purchase APRN/A
Regular Purchase APR29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Limited/Fair
  • Cash back on every purchase
  • Automatic consideration for a higher credit line after six months
  • Unlimited access to your credit score
  • Foreign transaction fees: None
  • High APR
  • Annual fee

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 limited/fair credit. Plus, you can safely take this card abroad without worrying about paying foreign exchange fees, as there are none.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Longest 0% APR credit card

Wells Fargo Reflect® Card*

Wells Fargo Reflect<sup>®</sup> Card Wells Fargo Reflect<sup>®</sup> Card
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3.3
Learn More
on Wells Fargo's secure site

Long intro APR on purchases: 0% intro APR 21 months from account opening then a 18.24%, 24.74%, or 29.99% Variable APR applies.


Annual Fee$0
Intro Purchase APR0% intro APR 21 months from account opening
Regular Purchase APR18.24%, 24.74%, or 29.99% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • $0 annual fee
  • Lengthy intro APR on purchases and balance transfers
  • Cellphone protection
  • Balance transfer fee: 5%, min $5
  • No rewards or sign-up bonus

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 then a 18.24%, 24.74%, or 29.99% Variable APR applies.

Balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR applies.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
*The information related to the Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Runner-up, best credit card with a 0% APR

Citi Simplicity® Card*

Citi Simplicity<sup>®</sup> Card Citi Simplicity<sup>®</sup> Card
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4.8
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on Citibank's secure site

Intro APR: 0% intro apr for 12 months on purchases, 0% intro apr for 21 months on balance transfers. Then, a 19.24% - 29.99% (variable) APR applies.


Annual Fee$0
Intro Purchase APR0% intro APR for 12 months on Purchases
Regular Purchase APR19.24% - 29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • Long intro APR periods on balance transfers and purchases
  • $0 annual fee
  • No late fees or penalty APR
  • No rewards program
  • Balance transfer fee
  • No sign-up bonus

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.

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
*The information related to the Citi Simplicity® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for students

Discover it® Student Cash Back

Discover it<sup>®</sup> Student Cash Back Discover it<sup>®</sup> Student Cash Back
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4.9
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees

Rewards: 1 – 5% cash back per $1 spent

Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.


Annual Fee$0
Intro Purchase APR0% Intro APR for 6 months on purchases
Regular Purchase APR18.24% - 27.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Limited/Fair
  • High rate of cash back on categories that rotate quarterly (activation required)
  • Sign-up bonus
  • No credit score is required to apply
  • Bonus cash back is limited to $1,500 spend each quarter
  • Must manually activate bonus categories

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).

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.

Runner-up, best credit card for students

Bank of America® Customized Cash Rewards Credit Card for Students

Bank of America® Customized Cash Rewards Credit Card for Students Bank of America® Customized Cash Rewards Credit Card for Students
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
apply-now-icon Apply Now
on Bank Of America's secure site

Rewards: 1% – 3% cash back per $1 spent

3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.

Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Regular Purchase APR19.24% - 29.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • $0 annual fee
  • Cash back on every purchase
  • Sign-up bonus
  • Foreign transaction fees
  • Penalty APR for late payments

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.

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best credit card to build credit

Capital One Platinum Credit Card

Capital One Platinum Credit Card Capital One Platinum Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

Build credit with no deposit or annual fee


Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Limited/Fair
  • $0 annual fee
  • Unlimited access to your credit score
  • Foreign transaction fees: None
  • No security deposit required
  • No rewards program
  • High APR

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.

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best secured credit card to build credit

Discover it® Secured Credit Card

Discover it<sup>®</sup> Secured Credit Card Discover it<sup>®</sup> Secured Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees

Rewards: 1% – 2% cash back per $1 spent

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited/Poor
  • Cash back rewards program
  • Sign-up bonus
  • See if you’re preapproved without harming your credit
  • $0 annual fee
  • Security deposit required
  • High interest rates

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.

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

Best credit card for balance transfer

Citi Double Cash® Card

Citi Double Cash<sup>®</sup> Card Citi Double Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

Long intro APR on balance transfers: 0% intro APR for 18 months on Balance Transfers. After, a 19.24% - 29.24% (Variable) APR applies.


Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR19.24% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-850
Fair/Good/Excellent
  • Long intro APR on balance transfers
  • Great flat-rate rewards
  • No annual fee
  • Flexible redemption options
  • No intro APR on purchases
  • Foreign transaction fee
  • Must repay purchases to get full 2% cash back

The Citi Double Cash® Card 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.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Runner-up, best credit card for balance transfer

Wells Fargo Reflect® Card*

Wells Fargo Reflect<sup>®</sup> Card Wells Fargo Reflect<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.3
Learn More
on Wells Fargo's secure site

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.


Annual Fee$0
Intro Purchase APR0% intro APR 21 months from account opening
Regular Purchase APR18.24%, 24.74%, or 29.99% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
  • $0 annual fee
  • Lengthy intro APR on purchases and balance transfers
  • Cellphone protection
  • Balance transfer fee: 5%, min $5
  • No rewards or sign-up bonus

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.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
*The information related to the Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

What is the best credit card?

The best card for you will give you more value in benefits and features than it costs you in fees and interest. Common credit card benefits include rewards on everyday purchases, travel insurance/protection, hotel or entertainment credits and concierge service. Many consumers avoid cards with annual fees, but several of our favorite cards make up for charging an annual fee by offering more value in rewards and benefits.

If you’re new to credit or rebuilding your credit, you might not qualify for some of the best rewards credit cards. Look for cards with benefits like low interest rates, availability to people with bad credit and regular account reviews to increase your credit limit.

Read more about our picks for the best credit cards for limited or no credit history.

How to use a credit card

  1. Use your credit card often. Whether you’re using your card to earn rewards or build your credit, you should use it regularly. You won’t get cash back or add points to your credit score if your cards stay in your wallet.
  2. Don’t spend more than you can afford. Aim to pay off your credit card each month. Even if you have a high credit limit, you shouldn’t use more than 30% of it at a time. How much credit you use — also known as your credit utilization ratio — factors into your credit score. Keeping your credit utilization low will positively impact your credit.
  3. Pay off your balance in full and on time. This is the most important factor in maintaining a good credit score. When you pay off your balance every month, you’ll boost your credit and avoid paying interest.
  4. Don’t cancel your credit cards unless you have to. Canceling a credit card can temporarily hurt your credit score. Keep your credit cards — even the ones you don’t use — if they don’t cost you anything. Instead of canceling a card with an annual fee, call the credit card company and ask to remove the fee or downgrade your card to one that doesn’t charge an annual fee.

 Read more about what is a good credit score.

Best credit cards of 2024 recap

Lauren Nicholson

Expertise: Personal finance, personal loans, auto loans, credit cards
Education: New York University

Lauren Nicholson is a staff writer at LendingTree, where she focuses on personal loans, auto loans and 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.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.