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The best 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 best card for your financial needs.
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Rewards Rate:
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores and 1% on all other purchases
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
Welcome Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Intro APR: 0% intro APR on purchases for 15 months
Rewards Rate:
Earn unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn unlimited 2X miles on every purchase, every day
Welcome Bonus: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.
Intro APR: N/A
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 19.24% - 29.24%
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, 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
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 for 18 months on balance transfers
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, 19.24% to 29.99% variable APR.
Terms Apply, See Rates & Fees
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 20.49% - 29.24%
Rewards Rate:
1x points on rent payments without the transaction fee (up to 100,000 points in a calendar year)
2x points on travel
3x points on dining
1x points on other purchases
Use the card 5 times each statement period to earn points
Welcome Bonus: N/A
Intro APR: N/A
Select 'Learn More' to learn more about the product features, terms and conditions
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% intro APR for 12 months on purchases and balance transfers
Terms Apply, See Rates & Fees
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 spending $1,500 within the first 3 months of account opening
Intro APR: 0% intro APR for 15 months on purchases and balance transfers
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 19.24%-29.24%, based on your creditworthiness
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 for 15 months on purchases
visited a credit card site this month
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.
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.
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.
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.
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 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.
There are a number of different card types to consider based upon your needs, some of these include:
There are a number of potential benefits to having a credit card. These include:
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.
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.
