Compare the different offers from our partners and choose the card that is right for you.

With the right credit card, you can improve your financial life by building credit, earning rewards and saving money. But with hundreds of credit cards on the market, finding the ideal credit card for your needs could be a challenge. Consider your budget, spending habits, financial goals and credit rating when choosing a credit card.

    1.  Add to Compare

      On Chase’s Secure Website.

      Recommended for dining rewards.

      Chase Sapphire Preferred® Card

      U.S. NEWS RATING
      CREDIT NEEDED
      Good to Excellent
      670
      850
      ANNUAL FEE
      $95
      APR
      15.99% – 22.99% Variable

      HIGHLIGHTS

      • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®

      • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

      • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.

      • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

      RATES & FEES

      • Credit Needed

        Excellent/Good

      • Annual Fee

        $95

      • APR

        15.99% – 22.99% Variable

      • Penalty APR

        None

      • Balance Transfer Fee

        Either $5 or 5% of the amount of each transfer, whichever is greater.

      • Cash Advance Fee

        Either $10 or 5% of the amount of each transaction, whichever is greater.

      • Foreign Transaction Fee

        $0

      • SEE ALL CREDIT CARD DETAILS
    2.  Add to Compare

      On Chase’s Secure Website.

      Best feature: $300 annual travel credit.

      Chase Sapphire Reserve®

      U.S. NEWS RATING
      CREDIT NEEDED
      Excellent
      740-850
      ANNUAL FEE
      $550
      APR
      16.99% – 23.99% Variable

      HIGHLIGHTS

      • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®

      • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year

      • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.

      • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel

      • 1:1 point transfer to leading airline and hotel loyalty programs

      • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select

      • Up to $100 application fee credit for Global Entry or TSA Pre✓®

      • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

      RATES & FEES

      • Credit Needed

        Excellent Credit

      • Annual Fee

        $550

      • APR

        16.99% – 23.99% Variable

      • Penalty APR

        None

      • Balance Transfer Fee

        Either $5 or 5% of the amount of each balance transfer, whichever is greater

      • Cash Advance Fee

        Either $10 or 5% of the amount of each transaction, whichever is greater.

      • Foreign Transaction Fee

        $0

      • SEE ALL CREDIT CARD DETAILS
    3.  Add to Compare

      On Chase’s Secure Website.

      Best feature: United Airlines rewards.

      United℠ Explorer Card

      CREDIT NEEDED
      Excellent
      740-850
      ANNUAL FEE
      $0 Intro for First Year, then $95
      APR
      16.49% to 23.49% Variable

      HIGHLIGHTS

      • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open

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

      • Earn 2 miles per $1 spent at restaurants and on hotel stays

      • Up to $100 Global Entry or TSA PreCheck™ Fee Credit

      • 25% back on United inflight purchases

      • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket

      • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary

      • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases

      RATES & FEES

      • Credit Needed

        Excellent Credit

      • Annual Fee

        $0 Intro for First Year, then $95

      • APR

        16.49% to 23.49% Variable

      • Penalty APR

        None

      • Balance Transfer Fee

        Either $5 or 5% of the amount of each transfer, whichever is greater.

      • Cash Advance Fee

        Either $10 or 5% of the amount of each transaction, whichever is greater.

      • Foreign Transaction Fee

        $0

      • SEE ALL CREDIT CARD DETAILS

Get Matched With a Card that Works for You

Tell us a little about yourself and we’ll match you with the credit cards that work for you.

This Tool is in partnership with CreditCards.com™ and will redirect you to their site.

  1.  Add to Compare

    On Chase’s Secure Website.

    Best feature: free one night stay annually after your account anniversary.

    Marriott Bonvoy Boundless™ Credit Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $95
    APR
    15.99% – 22.99% Variable

    HIGHLIGHTS

    • Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

    • Earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.

    • 2X Bonvoy points for every $1 spent on all other purchases.

    • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.

    • 15 Elite Night Credits each calendar year.

    • No foreign transaction fees.

    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

    RATES & FEES

    • Credit Needed

      Excellent/Good

    • Annual Fee

      $95

    • APR

      15.99% – 22.99% Variable

    • Penalty APR

      None

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      $0

    • SEE ALL CREDIT CARD DETAILS
  2.  Add to Compare

    On Citi’s Secure Website.

    Recommended for international air travel.

    Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

    U.S. NEWS RATING
    CREDIT NEEDED
    Excellent
    740-850
    ANNUAL FEE
    $99, waived for first 12 months
    APR
    15.99% – 24.99% (Variable)

    HIGHLIGHTS

    • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

    • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants

    • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases

    • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card

    • No Foreign Transaction Fees

    • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation

    • Enjoy preferred boarding on American Airlines flights

    • The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

    RATES & FEES

    • Credit Needed

      Excellent

    • Annual Fee

      $99, waived for first 12 months

    • APR

      15.99% – 24.99% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      0%

    • SEE ALL CREDIT CARD DETAILS
  3.  Add to Compare

    On American Express’ Secure Website.

    Best feature: Cash back on everyday purchases.

    Blue Cash Everyday® Card from American Express

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0
    APR
    12.99% – 23.99% Variable

    HIGHLIGHTS

    • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

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

    • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

    • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.

    • Don’t wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.

    • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

    • No annual fee.

    • Terms Apply.

    RATES & FEES

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      12.99% – 23.99% Variable

    • Penalty APR

      29.24% Variable

    • Purchase Intro APR

      0% on purchases for 15 months

    • Balance Transfer Intro APR

      0% on balance transfers for 15 months

    • Balance Transfer Fee

      Either $5 or 3% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      2.7% of each transaction after conversion to US dollars.

    • SEE ALL CREDIT CARD DETAILS
  4.  Add to Compare

    On American Express’ Secure Website.

    Best feature: Cash back rewards.

    American Express Cash Magnet® Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0
    APR
    12.99% – 23.99% Variable

    HIGHLIGHTS

    • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.

    • Unlimited 1.5% Cash Back on your purchases.

    • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.

    • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.

    • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.

    • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.

    • No Annual Fee.

    • Terms Apply.

    RATES & FEES

    • Credit Needed

      Excellent/Good

    • Annual Fee

      $0

    • APR

      12.99% – 23.99% Variable

    • Penalty APR

      29.24% Variable

    • Purchase Intro APR

      0% on purchases for 15 months

    • Balance Transfer Intro APR

      0% on balance transfers for 15 months

    • Balance Transfer Fee

      Either $5 or 3% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      2.7% of each transaction after conversion to US dollars.

    • SEE ALL CREDIT CARD DETAILS
  5.  Add to Compare

    On American Express’ Secure Website.

    Recommended for hotel purchases.

    Hilton Honors American Express Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0
    APR
    15.74% – 24.74% Variable

    HIGHLIGHTS

    • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.

    • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.

    • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

    • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.

    • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

    • No Annual Fee.

    • Terms Apply.

    RATES & FEES

    • Credit Needed

      Excellent/Good

    • Annual Fee

      $0

    • APR

      15.74% – 24.74% Variable

    • Penalty APR

      29.24% Variable

    • Balance Transfer Fee

      Either $5 or 3% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • SEE ALL CREDIT CARD DETAILS
  6.  Add to Compare

    On American Express’ Secure Website.

    Recommended for cardholder perks.

    The Platinum Card® from American Express

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $550

    HIGHLIGHTS

    • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

    • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.

    • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.

    • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.

    • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.

    • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.

    • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.

    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.

    • $550 annual fee.

    • Terms Apply.

    RATES & FEES

    • Credit Needed

      Excellent/Good

    • Annual Fee

      $550

    • Balance Transfer Fee

      See Terms

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • SEE ALL CREDIT CARD DETAILS
  7.  Add to Compare

    On American Express’ Secure Website.

    Best feature: Delta Air Lines rewards.

    Delta SkyMiles® Gold American Express Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0 introductory annual fee for the first year, then $99.
    APR
    15.74% – 24.74% Variable

    HIGHLIGHTS

    • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

    • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.

    • New! Get ready for your next trip – spend $10,000 in purchases on your Card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.

    • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.

    • Earn 1X Mile on all other eligible purchases.

    • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

    • Enjoy a $0 introductory annual fee for the first year, then $99.

    • Terms Apply.

    RATES & FEES

    • Credit Needed

      Excellent/Good

    • Annual Fee

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

    • APR

      15.74% – 24.74% Variable

    • Penalty APR

      29.24% Variable

    • Balance Transfer Fee

      Either $5 or 3% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • SEE ALL CREDIT CARD DETAILS
  8.  Add to Compare

    The information for the U.S. Bank Cash+™ Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it may be out of date.

    Best feature: 2% cash back on gas.

    U.S. Bank Cash+™ Visa Signature® Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0*
    APR
    13.99% – 23.99%* (Variable)

    HIGHLIGHTS

    • Earn a $150 bonus after you apply online and spend $500 in eligible purchases within the first 90 days of account opening.

    • No Annual Fees

    • 5% Cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.

    • 2% Cash back on one everyday category, like gas stations, grocery stores or restaurants.

    • 1% Cash back on all other eligible purchases.

    • You have the flexibility to choose your cash back categories

    RATES & FEES

    • Credit Needed

      Excellent/Good Credit

    • Annual Fee

      $0*

    • APR

      13.99% – 23.99%* (Variable)

    • Balance Transfer Intro APR

      0%* intro on BTs for 12 months

    • Balance Transfer Fee

      Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

    • Cash Advance Fee

      Convenience Check Cash Advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater. Cash Advance ATM/Cash Advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater Cash Equivalent Advance: Either 4% of the amount of each advance or $20 minimum, whichever is greater

    • Foreign Transaction Fee

      2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

    • SEE ALL CREDIT CARD DETAILS
  9.  Add to Compare

    The information for the Amazon Rewards Visa Signature Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it may be out of date.

    Best feature: Amazon rewards.

    Amazon Rewards Visa Signature Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0
    APR
    14.24% to 22.24%, based on your creditworthiness

    HIGHLIGHTS

    • Get a $50 Amazon Gift Card upon approval

    • No annual credit card fee

    • Earn 3% Back at Amazon.com and Whole Foods Market.

    • Earn 2% Back at restaurants, gas stations and drugstores.

    • Earn 1% Back on all other purchases.

    • No foreign transaction fees

    • Travel and Emergency Assistance

    RATES & FEES

    • Credit Needed

      Good/Excellent

    • Annual Fee

      $0

    • APR

      14.24% to 22.24%, based on your creditworthiness

    • Penalty APR

      None

    • Balance Transfer Fee

      $5 or 5% of the amount of each transfer, whichever is greater

    • Cash Advance Fee

      Either $10 or 5% of the amount of each transaction, whichever is greater

    • Foreign Transaction Fee

      None

    • SEE ALL CREDIT CARD DETAILS
  10.  Add to Compare

    The information for the Wells Fargo Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it may be out of date.

    Best feature: Bonus cash back in the first six months.

    Wells Fargo Visa Signature® Card

    U.S. NEWS RATING
    CREDIT NEEDED
    Good to Excellent
    670
    850
    ANNUAL FEE
    $0
    APR
    12.49% to 25.49%, based on your creditworthiness

    HIGHLIGHTS

    • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases – enjoy 5 years to use the points you earn

    • 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)

    • No annual fee

    • Exceptional Visa Signature privileges including insider access to popular events

    • Free access to your FICO Credit Score with Wells Fargo Online

    • Travel Protections

    • Purchase security

    RATES & FEES

    • Credit Needed

      Good/Excellent

    • Annual Fee

      $0

    • APR

      12.49% to 25.49%, based on your creditworthiness

    • Penalty APR

      None

    • Purchase Intro APR

      0% introductory APR for 15 months

    • Balance Transfer Intro APR

      0% introductory APR for 15 months

    • Balance Transfer Fee

      Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5

    • Cash Advance Fee

      Either $10 or 5% of the amount of each advance, whichever is greater

    • Foreign Transaction Fee

      3% of each transaction converted to U.S. dollars

    • SEE ALL CREDIT CARD DETAILS

The Best Credit Cards Awards of 2020

US News Best Credit Cards 2020 badge

How can you find the credit cards that will give you the most bang for your buck? Look no further than the inaugural U.S. News Best Credit Cards Awards. U.S. News credit card data determined the 2020 award winners from a field of top monthly performers in eight popular card categories. These winners are the best in their class for Airline, Balance Transfer, Business, Cash Back, Rewards, Student, Travel and 0% Introductory Annual Percentage Rate credit cards.

Read our full methodology.

  • The Business Platinum Card® from American Express, Best in Business Credit Cards
  1. 2020 Award Winner

     Add to Compare

    On American Express’ Secure Website.

    Best in Business Credit Cards

    The Business Platinum Card® from American Express

    U.S. NEWS RATING
    CREDIT NEEDED
    Excellent
    740-850
    ANNUAL FEE
    $595

    WHY WE CHOSE THIS:

    • Earns five points per dollar on flights and prepaid hotels booked through American Express Travel, the card issuer’s travel portal

    • Gives cardholders up to a $200 airline fee credit

    • Provides global lounge access

    HIGHLIGHTS

    • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.

    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

    • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.

    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.

    • Terms Apply

    RATES & FEES

READ MORE 

How to Choose the Best Credit Card

If you want to learn how we rank credit cards, take a peek at our U.S. News methodology for a detailed breakdown.

What makes these cards the best? Learn about standout features from each of the best credit cards.

What Are the Best Credit Cards?

Chase Sapphire Preferred Card
Why this credit card is one of the best: With the Chase Sapphire Preferred Card, you will get two points per dollar on travel and dining purchases and one point per dollar on all other purchases. Spend $4,000 within three months of opening the card, and you’ll earn 60,000 bonus points worth $750 when you redeem them for travel through the Chase Ultimate Rewards portal.

Chase Sapphire Reserve
Why this credit card is one of the best: Chase Sapphire Reserve earns three points per dollar on travel purchases and dining at restaurants. The sign-up bonus promises 50,000 points after you spend $4,000 within three months of opening the card. Those points are worth $750 when you redeem them for travel through the Chase Ultimate Rewards portal. Cardholders also get a $300 annual travel credit, which automatically applies to travel purchases.

United Explorer Card
Why this credit card is one of the best: United Explorer Card users earn 2 miles per dollar on United and at restaurants and hotels. You can earn 60,000 bonus points when you spend $3,000 on the card within three months of opening it. When you fly with United, you can check your first bag for free and get priority boarding privileges.

Marriott Bonvoy Boundless Credit Card
Why this credit card is one of the best: The Marriott Bonvoy Boundless Credit Card earns up to six points per dollar and comes with a 100,000-point sign-up bonus when you spend $5,000 within three months of opening the card. Cardholders receive a free night award after each account anniversary and Silver Elite status, which includes benefits such as priority late checkout and bonus points on stays.

Citi / AAdvantage Platinum Select World Elite Mastercard
Why this credit card is one of the best: Earn two points per dollar when you use the Citi / AAdvantage Platinum Select World Elite Mastercard on American Airlines and other qualifying purchases. Cardholders receive travel benefits, including preferred boarding and a free first checked bag. When you spend $2,500 in the first three months, you will earn 50,000 bonus miles.

Blue Cash Everyday Card from American Express
Why this credit card is one of the best: Blue Cash Everyday Card from American Express users earn up to 3% cash back on everyday purchases. The card comes with a $150 statement credit when you spend $1,000 within the first three months. Cardholders can also take advantage of a 15-month 0% APR on purchases and balance transfers.

American Express Cash Magnet Card
Why this credit card is one of the best: The American Express Cash Magnet Card earns 1.5% cash back on all purchases and a $150 statement credit when you spend $1,000 on your card within the first three months. Cardholders also get a 15-month 0% APR on purchases and balance transfers.

Hilton Honors American Express Card
Why this credit card is one of the best: The Hilton Honors American Express Card earns up to seven points per dollar on purchases. You’ll get 75,000 bonus points when you spend $1,000 within three months of opening the card.

The Platinum Card from American Express
Why this credit card is one of the best: The Platinum Card from American Express earns five points per dollar on flights and hotels booked with the American Express travel portal or on flights booked directly with airlines. Cardholders earn one point per dollar on all other purchases and 60,000 points after spending $5,000 on the card within three months of opening it. Card benefits include access to airport lounges and a $200 annual airline fee credit.

Delta SkyMiles Gold American Express Card
Why this credit card is one of the best: The Delta SkyMiles Gold American Express Card rewards you with 2 miles per dollar on Delta purchases, and all other purchases earn 1 mile per dollar. When you spend $10,000 in a calendar year, you can receive a $100 Delta flight credit. Your first checked bag is free, and priority boarding is available for main cabin fares on Delta flights.

U.S. Bank Cash+ Visa Signature Card
Why this credit card is one of the best: The U.S. Bank Cash+ Visa Signature Card charges no annual fee and offers cardholders a three-tiered cash back rewards program as well as a chance to earn a sign-up reward. You’ll earn 5% cash back on the first $2,000 in combined eligible net purchases each quarter and 2% cash back on your choice of one everyday category. All other eligible net purchases earn 1% cash back.

Amazon Rewards Visa Signature Card
Why this credit card is one of the best: You can earn 3% cash back at Amazon.com and Whole Foods Market, 2% at drugstores, gas stations and restaurants, and 1% on all other card purchases. Prime members can increase Amazon.com and Whole Foods earnings to 5%.

Wells Fargo Visa Signature Card
Why this credit card is one of the best: The Wells Fargo Visa Signature Card is designed for everyday spenders. You earn five points per dollar on up to $12,500 in gas, grocery and drugstore purchases in your first six months as a cardholder, and all other purchases earn one point per dollar. The card charges no annual fee and includes Visa Signature benefits, along with free FICO credit score access.

IHG Rewards Club Premier Credit Card
Why this credit card is one of the best: You can get up to 25 points per dollar on purchases with the IHG Rewards Club Premier Credit Card, and you’ll earn 140,000 bonus points after you spend $3,000 within the first three months. Cardholders receive the perks of Platinum Elite IHG status and a free reward night each account anniversary year.

Ask yourself the following questions when you begin shopping for a new credit card:

What Is My Credit Score?

Your credit score is a calculation of your credit risk and how well you use credit. Credit card companies use credit scores to determine creditworthiness. Many creditors use the FICO score. If you have good (670+) or very good (740+) credit, you will qualify for credit cards with better terms. With fair (669 or lower) or poor (579 or lower) credit, you may not qualify for the most attractive card terms. However, there are cards available for those with bad credit.

Credit cards for good to excellent credit

With good to excellent credit, you will be more likely to qualify for the best credit cards, including those with rewards and no annual fees. These cards have the most attractive terms, such as lower APRs, higher credit limits, rewards and cardholder benefits. A good credit score means you’ll have more credit card options to choose from.

Credit cards for bad credit

If you have a FICO score below 580, you are considered very risky by credit card companies. People with FICO scores below 580 typically do not qualify for traditional credit cards, however, there are credit cards available for those with bad credit.

Credit cards for bad credit have terms that offset the risk for lenders. They may require an initial deposit, or have a lower credit limit, an above-average APR or additional monthly fees. There are two types of credit cards for consumers with bad credit: secured credit cards and unsecured credit cards. Secured credit cards require a cash deposit, unsecured credit cards do not. Using credit cards designed for people with bad credit, you can rebuild your credit rating if you use them responsibly.

Compare Credit Cards

You can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply — all in one place.

Secured credit cards

Secured credit cards require a cash deposit on activation, usually between $200 to $500. This amount is typically equal to the card’s credit limit. With a deposit, secured cards are less risky for lenders than unsecured cards, so they have easier approvals and lower APRs.

Secured credit card deposits are not used for payments. Instead, they are used as collateral for the credit card company if you default on your payments. The deposit will be collected by the bank in full or in part if you default on the card agreement or if your account is terminated. As your credit history improves, you can qualify for credit limit increases and a better credit card with more benefits.

Unsecured credit cards for bad credit

Traditional credit cards are unsecured cards that do not require a cash deposit.

Unsecured cards for bad credit often have processing fees or high annual fees, and typically have higher APRs to offset the risk of lending money to someone with a low credit score. They may also lack a grace period for interest charges.

Credit cards for no credit history

Like those with bad credit, people with no credit history can find it difficult to be approved for a traditional unsecured card, which are cards that don’t require a security deposit. Because unsecured cards aren’t backed by collateral, it’s difficult to get approved for one if you have no credit history. However, credit card companies have credit cards designed for college students and other consumers who have not yet established a history of using credit.

Student credit cards can be a good choice for a first credit card. Many offer benefits such as cash back, rewards for good grades and credit score tracking. This type of card can typically be obtained by people with average credit or no credit history, however, many lenders will require proof of income. Additionally, the Credit CARD Act of 2009 requires cardholders to be at least 21 years old, unless you or a co-signer have adequate proof of income.

Do I Have an Existing Credit Card Balance?

Carrying a balance from month to month on a credit card with a high APR can be very costly. If you have an existing balance, there are cards that allow you to move debt to a new account where you won’t have to pay interest on it for a promotional period of time, usually 12 to 18 months.

Balance transfer cards often have transfer fees of 3 to 5 percent of the total balance transferred, usually subject to a minimum of $5 to $10. For example, if you transfer a $10,000 balance with a 3 percent transfer fee, you will pay a $300 balance transfer fee. Some cards waive the balance transfer fee, but this is rare. Some balance transfer cards require that you complete your balance transfer within 60 to 90 days of opening the new account.

With a balance transfer card, you will pay less overall interest than if you leave your balance on a card with high interest charges. However, a balance transfer card can be risky if you’re struggling to control debt; you really shouldn’t charge anything else with the new (or old) card until you pay off that balance. You should also be careful not to miss payments, as there can be significant penalties such as losing your introductory APR.

Consumers who carry credit card debt or plan to make a big purchase can also benefit from low-interest credit cards.

Are Rewards Right for Me?

Rewards credit cards allow you to earn rewards for using your credit card. You’ll earn points, cash back or miles for every dollar you spend. These rewards can be redeemed for travel, cash back or merchandise.

Most cards earn one point for every dollar spent, but some credit cards offer a higher rate of earning for bonus categories like travel, gas, groceries and dining. You’ll earn the most rewards if you choose a card with bonus categories that match where you spend the most. Rewards cards usually redeem rewards at a value of 1 cent per point, but rewards valuations can vary depending on the program and type of card.

Most rewards cards entice new customers with a sign-up bonus. With a sign-up bonus, you will earn bonus points if you spend a certain amount of money within the first few months of opening your account.

Rewards cards can be an excellent choice for people who can pay off their balance every month. They typically offer:

  • The ability to earn cash back and other rewards as you spend
  • Sign-up bonuses worth hundreds that may offset fees
  • Cardholder benefits such as travel insurance, rental car insurance and extended warranties and returns
  • Brand perks such as free checked bags and access to airport lounges

Rewards cards do have drawbacks, however. These often include:

  • Good to excellent credit requirements (a FICO score of 680 or higher)
  • Annual fees and above-average APRs, which can offset your rewards
  • Foreign transaction fees
  • Sign-up bonuses that require at least $500 in spending to earn the bonus reward
  • Caps and limitations on earning rewards or minimum redemption amounts that can put a damper on earning and redeeming rewards

General rewards credit cards

General rewards credit cards earn points or miles that can be redeemed for a variety of rewards including cash back, travel and merchandise. They offer flexibility with multiple redemption options and are typically a good choice if you’re just getting started with rewards cards. Most general rewards cards earn one point per dollar and some programs offer additional points in bonus spending categories such as gas, grocery stores or travel.

Cash back credit cards

Cash back credit cards offer cash back when you spend money on your card. You’ll earn a percentage of your spending as cash back, usually between 1 and 6 percent.

Some cash back credit cards offer a flat rewards rate on every purchase. Other cash back credit cards have bonus rewards categories that allow you to earn a higher rate of rewards.

Airline and hotel rewards credit cards

Cobranded airline or hotel rewards credit cards earn and redeem points or miles with specific brands. Points or miles are typically earned and redeemed at a higher rate when you spend with the brand or in certain bonus categories. Points or miles can be redeemed for rewards with the brand and qualifying partners. They often come with the most valuable cardholder benefits such as free checked bags, priority boarding and airport lounge access.

Am I Willing to Pay an Annual Fee?

Many card issuers charge an annual fee that can range between $25 and $550. Many issuers waive the annual fee for the first year, especially rewards cards.

Cards that charge an annual fee may have features that make paying the annual fee worth it each year. Often, they have the potential to earn rewards that are greater than the cost of the annual fee. Others come with card benefits, such as a free companion flight or free checked bags that have a value greater than the annual fee.

If you don’t earn more in rewards than you pay in fees or you don’t get value from the card’s benefits, a card with a lower fee or no annual fee may be a better choice. Additionally, length of credit history has an influence on your credit score, so it may hurt your credit if you cancel the card because you no longer want to pay the annual fee. A no annual fee card can be a great option for this reason.

Will I Use the Cardholder Benefits?

Most credit cards come with certain benefits for cardholders. Some are limited to basic benefits such as fraud protection or free FICO credit scores. Others, usually rewards cards, have more comprehensive benefits that offer additional value for cardholders. These often include:

  • Auto rental insurance
  • Extended warranties on items purchased
  • Return protection that extends the time limit on returning an item
  • Trip cancellation insurance
  • Waived foreign transaction fees
  • Purchase protection that protects purchases if they are damaged, lost or stolen

Credit cards with the best benefits may have a higher annual fee, higher APR or require good to excellent credit to qualify, but they can save you hundreds or even thousands of dollars per year, especially if you travel.

Travel cards, particularly airline cobranded cards, have some of the best cardholder benefits available. Travel rewards cards often come with travel insurance, roadside assistance and concierge service. With a cobranded travel card, you can expect brand perks such as priority boarding, free baggage, late checkout and complimentary internet access. Some also offer free companion flights. You may want to carry an airline card just to use its cardholder benefits when you book flights with that airline, but put regular spending on a rewards card that earns more.

Do I Need a Credit Card for My Business?

Business credit cards offer flexible and convenient capital for business needs. They make it easy to separate business and personal assets, manage accounting and keep track of tax deductions. Business credit cards are typically easier to obtain than other business funding options, such as small business loans, and may offer better features, particularly business rewards credit cards.

To qualify for a business credit card, you will need to meet certain requirements, usually providing an Employer Identification Number, proof of revenue and/or your personal credit history. Business credit card approvals for startups are often based on the borrower’s personal credit and income, while established businesses are usually assessed against a business credit score.

Business credit cards often come with the same features found with personal credit cards including:

  • Cash back rewards
  • Airline and other travel rewards
  • Sign-up bonuses
  • Introductory incentives such as zero percent APR for new purchases or balance transfers
  • Benefits such as extended warranty, trip cancellation or interruption insurance, or free checked bags

How Many Credit Cards Should I Own?

If you’re able to manage credit responsibly, you may benefit from carrying more than one credit card. With multiple cards, you can maximize rewards and benefits and build a strong credit history. Ask yourself the following questions when considering additional credit cards:

Are you paying your balance in full each month? If you’re not able to keep up with your credit card balance, you shouldn’t open up another credit card account unless you are trying to reduce the interest.

Do you have cards with a long account history? The longer you’ve had a credit card account open, the better that account reflects on your credit history. It’s a good idea to keep older accounts open and active for your credit history, but if your card is no longer competitive with rewards or benefits, a new credit card can provide those advantages.

Are you trying to maximize rewards? Some rewards cards earn the most when you fly with a particular airline, others with bonus categories such as groceries or gas and others have an everyday rate that’s up to double cash back. Combining these cards and using the one that offers the highest rewards rate for each type of purchase you make can maximize your rewards earning.

Do you need additional benefits? With cards that offer benefits such as free checked baggage, trip cancellation insurance and roadside assistance, you can get value from a card even if you’re not earning the most rewards from it. For example, you can use an airline card for airfare purchases to get benefits with that airline, or use a card with extended warranty coverage for a major electronics purchase.

Can you manage multiple cards? Having multiple credit cards only makes sense if you can stay on top of multiple payment due dates and annual fees while making sure your total credit card usage doesn’t exceed your budget. And to maximize rewards, you will need to plan your spending around bonus categories and sign-up bonuses.

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