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Last updatedDecember 2024

Our Best Credit Cards

December 2024

Credit cards offer a combination of valuable rewards, low interest rates, and flexible terms to suit your spending habits. Look for cards with high cash-back percentages, generous sign-up bonuses, minimal fees, or attractive balance transfer terms to maximize your benefits. Explore our cards today to find the right card for your financial needs.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
Our Best
Cash Back
Balance Transfer
Travel
Rewards
No Annual Fee
Low Interest
citi-double-cash-card credit card logo
9.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Double Cash® Card
Credit Score
580-850 (Fair to Excellent)
Annual Fee
$0
Regular APR
18.49%-28.49% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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, a special travel offer, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25

Welcome Bonus: 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

Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.

See Rates & Fees

Learn more about Citi Double Cash® Card
chase-freedom-unlimited credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.2
Learn More
on chase.com site
Chase Freedom Unlimited®
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases

Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)

Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

Learn more about Chase Freedom Unlimited® card
bank-of-america-customized-cash-rewards-credit-card credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.8
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.6
Learn More
on Bank of America's application
Bank of America® Customized Cash Rewards credit card
Credit Score
670+
Annual Fee
$0
Regular APR
18.49% - 28.49% variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% cash back in your choice category
2% at grocery stores/wholesale clubs
1% on all other purchases
3% and 2% cash back on up to $2,500 in combined quarterly purchases

Welcome Bonus: $200 online cash rewards bonus after you spend at least $1,000 on purchases within the first 90 days of opening your account

Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers then, a variable APR of 18.49% - 28.49%

Learn more about Bank of America® Customized Cash Rewards credit card
blue-cash-everyday-card-from-american-express credit card logo
8.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.0
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Everyday® Card from American Express
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0
Regular APR
18.49%-29.49% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%
(Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)

Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months

Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.

Terms Apply, See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express card
blue-cash-preferred-card-from-american-express credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Preferred® Card from American Express
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
18.49%-29.49% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
6% Cash Back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% Cash Back on select U.S. streaming subscriptions
3% Cash Back on U.S. gas stations and 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.)

Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months

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 18.49% - 29.49%.

Terms Apply, See Rates & Fees

Learn more about Blue Cash Preferred® Card from American Express card
citi-rewards-card credit card logo
8.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.3
Learn More
on Citi's application
Citi Rewards+® Card
Credit Score
690-850 (Good to Excellent)
Annual Fee
$0
Regular APR
17.99%-27.99% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
Earn 1X ThankYou® Points on all other purchases
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025

Welcome Bonus: Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Intro APR: 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99%-27.99%, based on your creditworthiness. 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).

See Rates & Fees

Learn more about Citi Rewards+® Card
citi-custom-cash-card credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.8
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Custom Cash® Card
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0
Regular APR
18.49%-28.49% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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.

Welcome Bonus: 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

Intro APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.

See Rates & Fees

Learn more about Citi Custom Cash® Card
capital-one-quicksilver-cash-rewards-credit-card credit card logo
9.2
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on creditcards.com site
Capital One Quicksilver Cash Rewards Credit Card
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on every purchase you make

Welcome Bonus: $200 when you spend $500 within the first 3 months

Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies

Learn more about Capital One Quicksilver Cash Rewards Credit Card

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Editorial Reviews
Citi Double Cash® Card
Citi Double Cash® Card
Read Review
View all reviews

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Everything You Need to Know About Applying for a Credit Card Online

Applying for a credit card online offers a number of advantages over the other application methods that include applying by phone, mailing a written application, or in person.

First, you can apply anytime you wish 24/7 from the convenience of your home. If you are shopping around for the best credit card deal on a credit card comparison site you can move right to the application process once you reach your decision as to the best card for your needs.

If you apply in person at your bank or credit union this involves getting dressed in decent clothes and physically going there. Applying by phone may mean a limited time window during the week in which to apply. Mailing the application means a time lag in having your application reviewed and there is always the chance your application could get lost.

How to Choose the Right Card for You

When looking for a credit card, there are a few things you should do to help guide you to the right card for your situation.

Check your credit

Be sure that you’ve checked your credit and that you are up to speed on your score. Some cards may be better than others for applicants with your credit score and history than others.

Identify the type of card that you need

Before applying for a card, identify the features in a card that are important to you. Are you looking for a card that offers cash back rewards or perhaps one that offers travel rewards? Are you looking for a card that is suitable for those with poor credit? If there are special attributes that you are looking for in a credit card it's recommended to identify these attributes before starting the application process.

Get the card that provides the most value for you

Once you’ve checked your credit and have done your homework to decide the right type of card for your situation, research the cards that will be the best fit and apply for one or more of them.

Credit Cards 101

Credit cards can be a misunderstood topic as there are a lot of aspects to know about them. Here are some basics that you should understand when applying for a new card.

Card types

There are a number of different card types to consider based upon your needs, some of these include:

  • Balance transfer cards are those that encourage the consolidation of one or more balances from other cards. Balance transfer cards may offer low or even zero interest for a period of time as an incentive.
  • Low interest rate cards may offer a very low or 0% interest for an introductory period and then a low interest rate thereafter. These cards are best for those cardholders who carry a balance on their card.
  • Cards for those with poor or bad credit are those that will accept applicants with lower credit scores. The definition of a low credit score will vary among card issuers. These cards can help the cardholder rebuild their credit score. The interest rate on these cards, as well as other terms, may be less favorable than for cards for borrowers with good credit scores.
  • Rewards cards are credit cards that offer rewards for purchases in the form of cash back or travel rewards. As long as the other terms and conditions of the card are favorable to you, these cards can be advantageous.


Benefits of having a credit card

There are a number of potential benefits to having a credit card. These include:

  • Building your credit by making transactions and paying off the balance in a timely fashion.
  • Providing purchasing power for making larger purchases with the card and then paying them off. Using a credit card also can provide recourse in case there are problems with a larger purchase.
  • With some cards the cardholder can earn travel or cashback rewards which provide extra value.
  • This eliminates the need to carry cash or to use a checkbook when shopping.

FAQs

Here are some FAQs about credit cards with answers to these questions.

What does the application process look like?

While the process might be a bit different for each card issuer, there are some basics that are common among virtually all credit card companies. They will ask for your basic information including your Social Security number.

They will want to know about your income and where it's derived from. If you are employed they may ask for information about your employer as well.

They will want to know about where you live and if you own or rent. They may ask how long you’ve lived there.

Can I have more than one credit card?

You can absolutely have more than one credit card. There is no rule against this. However, a credit card issuer will look at the level of your outstanding credit as a potential consideration deciding whether or not to issue you their card, and if so in determining your credit limit on the card.

In some cases, having credit cards that have no balance or that haven’t been used recently can be an adverse mark on your credit history in that some card issuers may look at these additional cards in terms of the total available credit that you could potentially use.

If you have cards that have not been used in a while, you might find that the issuer of these cards will cancel them on you unexpectedly.

How do I choose the right type of credit card?

As with any financial decision, choosing the right type of credit card for you is a function of your situation. Look at your credit score, how and how often you will use the card, if you travel perhaps a travel reward card might be appropriate.

If you have some balances on other cards that you’d like to consolidate, perhaps a card that offers incentives on balance transfers is right for you. If your credit score is low, a card that indicates that they will accept those with lower credit scores could be the right answer.


Disclosures

Bank of America

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.