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Reviews of Best Credit Card Companies

Delve into rates, terms and amounts to compare the best credit card companies and find the right card for you.

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Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Citi offers several reward and low-interest credit cards with no annual fees. The Double Cash card gives 2% cashback on every purchase, and the Custom Cash card offers 5% cashback on up to $500 in purchases in 1 spend category and 1% on all other purchases. Meanwhile, the Diamond Preferred and Simplicity cards offer no interest on new purchases for your first 12 months and no interest on balance transfers for your first 21 months as a cardholder.

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Chime Credit Builder Visa® Credit Card

Chime Credit Builder Visa® Credit Card

Chime is a fintech company established in 2013 to offer low-cost, accessible, banking services. Start spending with the Chime Credit Builder VisaⓇ Credit Card once you deposit money into a secure account. Use these funds to pay your monthly balance, or turn on Safer Credit Building and have your balance paid automatically each month¹. There is no interest or fees. Chime helps you build credit by reporting on-time payment to credit bureaus.

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Citi® Double Cash Card

Citi® Double Cash Card

Citi offers several reward and low-interest credit cards with no annual fees. The Double Cash card gives 2% cashback on every purchase, and the Custom Cash card offers 5% cashback on up to $500 in purchases in 1 spend category and 1% on all other purchases. Meanwhile, the Diamond Preferred and Simplicity cards offer no interest on new purchases for your first 12 months and no interest on balance transfers for your first 21 months as a cardholder.

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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi offers several reward and low-interest credit cards with no annual fees. The Double Cash card gives 2% cashback on every purchase, and the Custom Cash card offers 5% cashback on up to $500 in purchases in 1 spend category and 1% on all other purchases. Meanwhile, the Diamond Preferred and Simplicity cards offer no interest on new purchases for your first 12 months and no interest on balance transfers for your first 21 months as a cardholder.

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Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

Online lending platform Upgrade, founded in 2017, offers the Upgrade Card, which acts as a hybrid between a credit card and a personal loan. It allows borrowers to make charges as they would on a credit card while making monthly repayments at a fixed amount, just like with a personal loan. Borrowers won’t have to pay any monthly fees and will receive an APR of between 8.99% and 29.99%.

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Upgrade Visa® Card with Cash Rewards

Upgrade Visa® Card with Cash Rewards

Online lending platform Upgrade, founded in 2017, offers the Upgrade Card, which acts as a hybrid between a credit card and a personal loan. It allows borrowers to make charges as they would on a credit card while making monthly repayments at a fixed amount, just like with a personal loan. Borrowers won’t have to pay any monthly fees and will receive an APR of between 8.99% and 29.99%.

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Varo Believe

Varo Believe

Varo is an online bank founded in 2015. The Varo Believe credit card is designed to help you safely build credit with no fees or interest rates. The credit card is linked to your Varo bank account and money is automatically set aside every time you make a purchase. At the end of the month, the saved money is used to pay off your credit card statement. Applying for the card won’t impact your credit score and there’s no security deposit required.

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Petal 1

Petal 1

Founded in 2016 in New York, the Petal® 1 card is designed to help customers build credit and spend responsibly. Borrowers can earn up to 10% cashback at select merchants and no minimum credit score is required. Petal® 1 does not have an annual fee and provides access to a full-service app.

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Petal 2

Petal 2

Founded in 2016 in New York, the Petal® 2 card is designed to help customers build credit and spend responsibly. Borrowers can earn up to 10% cashback at select merchants and receive between 1% and 1.5% on all eligible spending. Petal® 2 does not have an annual fee and provides access to a full-service app.

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Laurel Road Student Loan Cashback® Card

Laurel Road Student Loan Cashback® Card

Laurel Road was founded in 2013 to offer student loans, mortgages, and banking services. The company offers a cashback credit card that gives you 2% cashback towards student loans with most US loan servicers.1 There is no annual or foreign transaction fees and there is 0% APR for the first year on balance transfers made in the first 60 days.² Plus, you can earn $300 in cashback rewards when you spend $3,000 in your first 90 days as a cardholder.³

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Avant Credit Card

Avant Credit Card

Avant is an online financial services provider founded in 2012. The company provides access to personal loans, credit cards, and other financial products to help individuals with little to no credit history build their credit. There are no hidden fees and no security deposit required. There is an annual fee of $59, but the Avant Credit Card allows you to build your credit score by making your payments on time.

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Jasper

Jasper

The Jasper Mastercard® is a unique credit card issued by WebBank, member FDIC. It guarantees 1% back on most everyday purchases and you can receive an extra 0.5% back for a full year for every friend you refer, up to 6%. The credit card offers a mobile app and tailored financial advice to help you maintain a healthy financial lifestyle. You can get up to a $5,000 credit limit with no annual fee², and you don’t need a credit history to apply.¹

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SoFi

SoFi

SoFi is a San Francisco-based bank founded in 2011 that offers investment accounts, checking/savings accounts, personal loans, mortgages, student loans, and now a credit card. The SoFi Credit Card carries no annual fee. You can earn 2% cash back on everyday purchases when you redeem into a SoFi savings account, investment account, or loan.

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PenFed Gold

PenFed Gold

PenFed is a national credit union founded in 1935 that offers banking, loans, credit cards, and more. While you need to be a PenFed member to get a credit card, anyone can join by opening a savings account. PenFed has 4 credit cards, all of which come with a 0% promotional APR for balance transfers. Three of the cards offer rewards for spending. You can apply online and get approved in as little as 20 seconds.

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Power Cash Rewards Visa Signature® Card

Power Cash Rewards Visa Signature® Card

PenFed is a national credit union founded in 1935 that offers banking, loans, credit cards, and more. While you need to be a PenFed member to get a credit card, anyone can join by opening a savings account. PenFed has 4 credit cards, all of which come with a 0% promotional APR for balance transfers. Three of the cards offer rewards for spending. You can apply online and get approved in as little as 20 seconds.

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BlockFi

BlockFi

BlockFi is a cryptocurrency exchange and wallet service launched in 2017. The company recently introduced a Bitcoin rewards credit card that offers an unlimited 1.5% back in Bitcoin on every purchase. New users also get a 2% rewards boost for the first 90 days, so you can earn 3.5% back, or up to $100, in Bitcoin. The BlockFi Rewards Credit Card has no annual fee and no foreign transaction fees. Plus, it won’t impact your credit to apply.

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Aspiration Zero Card

Aspiration Zero Card

Aspiration is a socially conscious bank that aims to make personal finance more eco-friendly. The bank launched in 2013 and released its first credit card, the Aspiration Zero, in 2021. With this card, Aspiration will pay to plant a tree for every purchase you make to offset your carbon footprint. When you get to 60 trees planted in a month, Aspiration rewards you with up to 1% cash back.

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Cred.Ai

Cred.Ai

Cred.ai™ is a cutting-edge bank and credit card service founded in 2016. Its metal Unicorn Card charges no annual or transaction fees, or interest under the terms of the cred.ai Guaranty. The card includes groundbreaking features such as self-destructing account numbers, automated fund transfers, and adjustable restrictions for individual merchants. Customer support can be reached 24/7, and its mobile app is available on iOS and Android devices.

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Sable Bank Account And Debit Mastercard®

Sable Bank Account And Debit Mastercard®

Sable is an online bank founded in 2019 to provide banking and credit services to international residents in the US. Sable has two secured cards that you can qualify for without a credit history or social security number. The cards don’t have an annual fee and you can earn 1%-2% cashback on qualifying purchases. Sable reports payments to the major credit agencies monthly, helping cardholders build credit over time.

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One Finance

Founded in 2019 in Sacramento, California, One allows you to manage different areas of your finances via a single app. Its fee-free Credit Builder feature acts as a hybrid between a savings account and a credit card, with the aim of helping those with poor or slim credit histories improve their financial profiles. You can also earn up to $500 through its refer-a-friend scheme and benefit from biometric security features.

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Secured Sable ONE Credit Card

Secured Sable ONE Credit Card

Sable is an online bank founded in 2019 to provide banking and credit services to international residents in the US. Sable has two secured cards that you can qualify for without a credit history or social security number. The cards don’t have an annual fee and you can earn 1%-2% cashback on qualifying purchases. Sable reports payments to the major credit agencies monthly, helping cardholders build credit over time.

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PenFed Pathfinder

PenFed Pathfinder

PenFed is a national credit union founded in 1935 that offers banking, loans, credit cards, and more. While you need to be a PenFed member to get a credit card, anyone can join by opening a savings account. PenFed has 4 credit cards, all of which come with a 0% promotional APR for balance transfers. Three of the cards offer rewards for spending. You can apply online and get approved in as little as 20 seconds.

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OppFiCard

OppFiCard

OppFi Card offers a credit limit of up to $1,000 with no credit check when you apply. It’s an unsecured card, meaning you don’t need to deposit funds to start spending. The card comes with a 35.99% APR and a $99 annual fee, but it doesn’t charge a one-time fee when you open a new account. Overall, OppFi Card is most suitable for individuals with poor credit who want an unsecured credit card.

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American Express Gold Card

American Express Gold Card

American Express is one of the largest credit card companies in the world, with more than 110 million active cards. Among its offerings are the Blue Cash Everyday, a cashback card with no annual fee, and its Blue Cash Preferred, which offers more cashback in exchange for a $95 annual fee. Meanwhile, its Gold Card and Platinum Card are points-based cards that offer perks for travel and dining.

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American Express Blue Cash Prefferred

American Express Blue Cash Prefferred

American Express is one of the largest credit card companies in the world, with more than 110 million active cards. Among its offerings are the Blue Cash Everyday, a cashback card with no annual fee, and its Blue Cash Preferred, which offers more cashback in exchange for a $95 annual fee. Meanwhile, its Gold Card and Platinum Card are points-based cards that offer perks for travel and dining.

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American Express Blue Cash Everyday

American Express Blue Cash Everyday

American Express is one of the largest credit card companies in the world, with more than 110 million active cards. Among its offerings are the Blue Cash Everyday, a cashback card with no annual fee, and its Blue Cash Preferred, which offers more cashback in exchange for a $95 annual fee. Meanwhile, its Gold Card and Platinum Card are points-based cards that offer perks for travel and dining.

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Chase Freedom Unlimited®

Chase Freedom Unlimited®

With origins as early as 1799, Chase provides financial products to almost half of US households. With its Freedom Unlimited card, you can earn up to 5% cashback on purchases made through its reward scheme, while you can earn a 5-fold increase on travel rewards with the Sapphire Preferred and Sapphire Reserve cards. Meanwhile, the Slate Edge Card allows you to lower your interest rates by 2% every year you make your payments on time.

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Chase Sapphire Preferred®

Chase Sapphire Preferred®

With origins as early as 1799, Chase provides financial products to almost half of US households. With its Freedom Unlimited card, you can earn up to 5% cashback on purchases made through its reward scheme, while you can earn a 5-fold increase on travel rewards with the Sapphire Preferred and Sapphire Reserve cards. Meanwhile, the Slate Edge Card allows you to lower your interest rates by 2% every year you make your payments on time.

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Chase Sapphire Reserve®

Chase Sapphire Reserve®

With origins as early as 1799, Chase provides financial products to almost half of US households. With its Freedom Unlimited card, you can earn up to 5% cashback on purchases made through its reward scheme, while you can earn a 5-fold increase on travel rewards with the Sapphire Preferred and Sapphire Reserve cards. Meanwhile, the Slate Edge Card allows you to lower your interest rates by 2% every year you make your payments on time.

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Chase Slate Edge℠

Chase Slate Edge℠

With origins as early as 1799, Chase provides financial products to almost half of US households. With its Freedom Unlimited card, you can earn up to 5% cashback on purchases made through its reward scheme, while you can earn a 5-fold increase on travel rewards with the Sapphire Preferred and Sapphire Reserve cards. Meanwhile, the Slate Edge Card allows you to lower your interest rates by 2% every year you make your payments on time.

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Citi Simplicity® Card

Citi Simplicity® Card

Citi offers several reward and low-interest credit cards with no annual fees. The Double Cash card gives 2% cashback on every purchase, and the Custom Cash card offers 5% cashback on up to $500 in purchases in 1 spend category and 1% on all other purchases. Meanwhile, the Diamond Preferred and Simplicity cards offer no interest on new purchases for your first 12 months and no interest on balance transfers for your first 21 months as a cardholder.

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Wells Fargo Active Cash℠ Card

Wells Fargo Active Cash℠ Card

Wells Fargo today serves more than 70 million clients and 23 million credit cardholders. In the second half of 2021, the bank introduced 2 cards, the Active Cash card and the Reflect card. The Active Cash card provides an unlimited 2% cashback on all purchases, while the Reflect card offers an extended 0% intro APR period of up to 21 months.

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Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Wells Fargo today serves more than 70 million clients and 23 million credit cardholders. In the second half of 2021, the bank introduced 2 cards, the Active Cash card and the Reflect card. The Active Cash card provides an unlimited 2% cashback on all purchases, while the Reflect card offers an extended 0% intro APR period of up to 21 months.

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Capital One Quicksilver Cash Rewards

Capital One Quicksilver Cash Rewards

Founded in 1988 as Oakstone Financial, Capital One is now a Fortune 500 company. And with 62.5 million cardholders, it’s the fourth-largest credit card issuer in the US. As some of the bank’s top cards, the Quicksilver, QuicksilverOne, SavorOne, Venture, and Venture X cards all offer either high-value travel points or unlimited cash back, giving you plenty of rewards and options to optimize your spending.

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Capital One QuicksilverOne

Capital One QuicksilverOne

Founded in 1988 as Oakstone Financial, Capital One is now a Fortune 500 company. And with 62.5 million cardholders, it’s the fourth-largest credit card issuer in the US. As some of the bank’s top cards, the Quicksilver, QuicksilverOne, SavorOne, Venture, and Venture X cards all offer either high-value travel points or unlimited cash back, giving you plenty of rewards and options to optimize your spending.

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Capital One SavorOne

Capital One SavorOne

Founded in 1988 as Oakstone Financial, Capital One is now a Fortune 500 company. And with 62.5 million cardholders, it’s the fourth-largest credit card issuer in the US. As some of the bank’s top cards, the Quicksilver, QuicksilverOne, SavorOne, Venture, and Venture X cards all offer either high-value travel points or unlimited cash back, giving you plenty of rewards and options to optimize your spending.

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Capital One Venture

Capital One Venture

Founded in 1988 as Oakstone Financial, Capital One is now a Fortune 500 company. And with 62.5 million cardholders, it’s the fourth-largest credit card issuer in the US. As some of the bank’s top cards, the Quicksilver, QuicksilverOne, SavorOne, Venture, and Venture X cards all offer either high-value travel points or unlimited cash back, giving you plenty of rewards and options to optimize your spending.

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Capital One Venture X

Capital One Venture X

Founded in 1988 as Oakstone Financial, Capital One is now a Fortune 500 company. And with 62.5 million cardholders, it’s the fourth-largest credit card issuer in the US. As some of the bank’s top cards, the Quicksilver, QuicksilverOne, SavorOne, Venture, and Venture X cards all offer either high-value travel points or unlimited cash back, giving you plenty of rewards and options to optimize your spending.

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Reflex Mastercard®

Reflex Mastercard®

The Reflex Mastercard is a credit card targeted towards borrowers with limited or less-than-perfect credit histories. Developed as a collaboration between subprime credit card marketing company Continental Finance and Salt Lake City-based Celtic Bank, the Reflex card offers cardholders complimentary monthly credit reports, automatic credit line increases, behind-the-scenes reporting to all 3 credit bureaus, and a $0 fraud liability guarantee.

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Discover it® Miles

Discover it® Miles

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Discover it® chrome

Discover it® chrome

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Discover it® Cash Back

Discover it® Cash Back

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Discover it® Student Cash Back

Discover it® Student Cash Back

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Discover it® Student chrome

Discover it® Student chrome

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Discover it® Secured

Discover it® Secured

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Discover it® Balance Transfer

Discover it® Balance Transfer

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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NHL® Discover it® card

NHL® Discover it® card

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

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Bank of America Customized Cash Rewards™ Credit Card

Bank of America Customized Cash Rewards™ Credit Card

Bank of America was founded in 1998 after the merger of BankAmerica and NationsBank. In the 20+ years since, Bank of America has grown to become the United States’ second-largest banking institution, with over 66 million customers and $2.8 trillion in assets. Customers are likely to find a Bank of America credit card that fits their needs, as the bank’s popular cards offer a range of points, cash back, and travel rewards benefits.

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Bank of America Travel Rewards® Credit Card

Bank of America Travel Rewards® Credit Card

Bank of America was founded in 1998 after the merger of BankAmerica and NationsBank. In the 20+ years since, Bank of America has grown to become the United States’ second-largest banking institution, with over 66 million customers and $2.8 trillion in assets. Customers are likely to find a Bank of America credit card that fits their needs, as the bank’s popular cards offer a range of points, cash back, and travel rewards benefits.

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Bank of America Unlimited Cash Rewards Credit Card

Bank of America Unlimited Cash Rewards Credit Card

Bank of America was founded in 1998 after the merger of BankAmerica and NationsBank. In the 20+ years since, Bank of America has grown to become the United States’ second-largest banking institution, with over 66 million customers and $2.8 trillion in assets. Customers are likely to find a Bank of America credit card that fits their needs, as the bank’s popular cards offer a range of points, cash back, and travel rewards benefits.

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BankAmericard® Credit Card

BankAmericard® Credit Card

Bank of America was founded in 1998 after the merger of BankAmerica and NationsBank. In the 20+ years since, Bank of America has grown to become the United States’ second-largest banking institution, with over 66 million customers and $2.8 trillion in assets. Customers are likely to find a Bank of America credit card that fits their needs, as the bank’s popular cards offer a range of points, cash back, and travel rewards benefits.

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Bank of America Premium Rewards® Credit Card

Bank of America Premium Rewards® Credit Card

Bank of America was founded in 1998 after the merger of BankAmerica and NationsBank. In the 20+ years since, Bank of America has grown to become the United States’ second-largest banking institution, with over 66 million customers and $2.8 trillion in assets. Customers are likely to find a Bank of America credit card that fits their needs, as the bank’s popular cards offer a range of points, cash back, and travel rewards benefits.

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The Platinum Card from American Express

The Platinum Card from American Express

American Express is one of the largest credit card companies in the world, with more than 110 million active cards. Among its offerings are the Blue Cash Everyday, a cashback card with no annual fee, and its Blue Cash Preferred, which offers more cashback in exchange for a $95 annual fee. Meanwhile, its Gold Card and Platinum Card are points-based cards that offer perks for travel and dining.

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Chase Sapphire Preferred Card

Chase Sapphire Preferred Card

With origins as early as 1799, Chase provides financial products to almost half of US households. With its Freedom Unlimited card, you can earn up to 5% cashback on purchases made through its reward scheme, while you can earn a 5-fold increase on travel rewards with the Sapphire Preferred and Sapphire Reserve cards. Meanwhile, the Slate Edge Card allows you to lower your interest rates by 2% every year you make your payments on time.

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Prosper Card

Prosper Card

Founded in 2005, Prosper began as the first peer-to-peer lending marketplace in the US. Its recently launched Prosper® Card is an unsecured product aimed at borrowers with a less-than-ideal credit history. The card, which allows you to borrow up to $3,000, doesn’t require a security deposit and offers no cost¹ ATM withdrawals.

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