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Last updatedMay 2024

Best Credit Cards of May 2024

Turn spending into savings

Whether it's increasing your credit or maximizing rewards, our top credit cards cater to a variety of needs. Find the right credit card today.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
1
chase-sapphire-preferred credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.6
Learn More
on chase.com site
Chase Sapphire Preferred
Credit Score
700+
Annual Fee
$95
Regular APR
21.49%-28.49%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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

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

Intro APR: N/A

Learn more about Chase Sapphire Preferred card
2
chase-sapphire-reserve credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.4
Learn More
on chase.com site
Chase Sapphire Reserve
Credit Score
720+
Annual Fee
$550 plus $75 for each authorized user
Regular APR
22.49%-29.49%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
$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 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

Welcome Bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠

Intro APR: N/A

Learn more about Chase Sapphire Reserve card
3
blue-cash-everyday-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
9.7
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Everyday® Card from American Express
Credit Score
670+
Annual Fee
$0
Regular APR
19.24% - 29.99%
Summary
Editor's Review
Card Features
Pros & Cons

The American Express Blue Cash Everyday Card grants generous cash back rewards at U.S. supermarkets and U.S. gas stations. With no annual fee for cardholders, its benefits accumulate rapidly if you commute to work or have expensive grocery bills.

With this card, you’ll earn 3% cash back rewards at U.S. supermarkets and U.S. gas stations (up to $6,000 annually for each category, after which you’ll get a 1% return). Terms Apply.
See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express card
4
capital-one-quicksilver-cash-rewards-credit-card 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
Learn More
on creditcards.com site
Capital One Quicksilver Cash Rewards Credit Card
Credit Score
670-850
Annual Fee
$0
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

If you're looking for easy cash back, look no further than the Quicksilver Cash Rewards Credit Card. You'll earn rewards at the same flat rate on every purchase, no matter where you shop or what you buy. In addition, this card offers a one-time $200 cash bonus, after spending $500 on purchases within 3 months of opening an account.

Learn more about Capital One Quicksilver Cash Rewards Credit Card
5
american-express-gold-card credit card logo
8.5
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.4
American Express® Gold Card
Credit Score
670+
Annual Fee
$250
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

It’s easy to earn rewards with AMEX Gold Card’s exceptional rewards and benefits for a variety of purchasing categories. You’ll earn 3X points on flights if you book on amextravel.com or with the airline itself, and 4X the points at restaurants and U.S. supermarkets, up to $25,000 every calendar year, at which point your rewards decrease to 1X.

There’s a modest introductory offer of 60,000 points if you make $4,000 in purchases within the first 6 months after opening the card. You may also earn an annual meal credit of $120 (up to $10 in monthly statement credits) at specified restaurants if you enroll in this additional program. Terms Apply.
See Rates & Fees

Learn more about American Express® Gold Card
6
capital-one-venture-x-rewards-credit-card credit card logo
8.6
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
9.4
Learn More
on creditcards.com site
Capital One Venture X Rewards Credit Card
Credit Score
740+
Annual Fee
$395
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Looking to earn some serious travel rewards? With the Venture X Rewards Credit Card, you'll get unlimited 10X miles on hotels and rental cars and 5X miles on flights when you book through Capital One Travel, plus unlimited 2X miles on all other purchases.

This card offers plenty of perks including an exceptional welcome bonus, lounge access, and up to $100 in credits for TSA Precheck or Global Entry. The Venture X Rewards card is also the only venture card that offers an annual bonus of 10,000 miles (worth $100 toward travel) starting on your first card anniversary, and annual statement credits worth up to $300 when you book travel through Capital One Travel. Although it does come with a $395 annual fee, its impressive rewards and benefits can easily offset this charge.

Learn more about Capital One Venture X Rewards Credit Card
7
the-platinum-card-from-american-express credit card logo
8.5
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.4
The Platinum Card® from American Express
Credit Score
670+
Annual Fee
$695
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel

Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on 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

Intro APR: N/A

Terms Apply, See Rates & Fees

Learn more about The Platinum Card® from American Express card
8
capital-one-quicksilverone-cash-rewards-credit-card credit card logo
7.2
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
4.0
Learn More
on creditcards.com site
Capital One QuicksilverOne Cash Rewards Credit Card
Credit Score
580+
Annual Fee
$39
Regular APR
30.49% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Looking to earn cash back but don't have the best credit score? The QuickSilverOne Cash Rewards Credit Card helps you earn money back on purchases while allowing you to build your credit. And even better, it doesn't require a security deposit. If you have a limited credit history or a score that needs a boost, this card is definitely a great choice.

Learn more about Capital One QuicksilverOne Cash Rewards Credit Card
9
secured-chime-credit-builder-visa-credit-card credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.4
Features & Benefits
Based on our editorial reviews
9.8
Apply Now
On Chime's application
Secured Chime Credit Builder Visa® Credit Card
Credit Score
No minimum credit score
Annual Fee
$0
Regular APR
N/A
Summary
Editor's Review
Card Features
Pros & Cons

The Chime Secured Credit Builder Visa® Credit Card offers a better way to build credit.* There's no credit check, no annual fee, and no minimum security deposit** to worry about. Your spending limit is based on the amount you transfer from your Chime® checking account. Chime® reports your on-time payments to all three major credit bureaus so you can boost your credit score faster.***

Learn more about Secured Chime Credit Builder Visa® Credit Card
10
varo-believe credit card logo
8.4
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.0
Features & Benefits
Based on our editorial reviews
9.8
Varo Believe
Credit Score
No minimum credit score
Annual Fee
$0
Regular APR
N/A
Summary
Editor's Review
Card Features
Pros & Cons

The Varo Believe card offers a unique way to safely build credit. You choose how much money to add from your bank account to set how much you can spend on the card. That money will automatically be used to pay off your spending balance each month if you have Safe Pay turned on, or you can also make the payment manually.

Varo reports payment activity to the credit bureaus each month to help build your credit, and you can track your score in the Varo app. Best of all, applying for the card won’t impact your credit score and no security deposit is required.

Learn more about Varo Believe 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, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand's Products & Services Score, it will not be included in its calculation.
Editorial Reviews
Chase Sapphire Preferred
Chase Sapphire Preferred
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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.