Best Credit Cards

BEST SIGN-UP BONUS CREDIT CARD

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Chase Sapphire Preferred® Card

7,818 Reviews

Chase Sapphire Preferred® Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Chase’s Secure SiteRewards Rate2X2X points on travel and dining at restaurants worldwide 
1X1 point per dollar spent on all other purchases 

THIS CARD IS BEST FOR

Travelers seeking flexibe rewards

Why Apply?

Avid travelers will enjoy earning 2X points on travel and dining. Chase also allows you to transfer points to a number of frequent flyer programs at a 1:1 ratio. You can further maximize value by transferring points from many of your other Chase cards.

At A Glance

Intro Bonus60,000 points?Annual Fee$95Regular APR17.99% – 24.99% variable

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  • 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.
  • No foreign transaction fees

Rates & Fees

Annual Fee$95Intro Purchase APRN/ARegular APR17.99% – 24.99% VariableIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:3.9of 5

Rewards Value:3.4Rewards Flexibility:4.9Additional Features:3.0Customer Experience:3.7Ratings Policy

BEST ROTATING CASH BACK CREDIT CARD

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Discover it® Cash Back

26,257 Reviews

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Discover it® Cash Back

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Discover’s Secure SiteRewards Rate5%Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. 
1%Earn 1% unlimited cash back on all other purchases – automatically. 

THIS CARD IS BEST FOR

People looking for big rewards in specific categories

Why Apply?

This card offers huge everyday earning potential thanks to its 5% cash back rewards rate on rotating categories like gas, restaurants, and more (up to the quarterly max, then 1%; activation required). Discover will also match all the cash back you earn at the end of your first year, which is an incredible cash offer.

At A Glance

Intro BonusCashback Match™?Annual Fee$0Regular APR14.24% – 25.24% variable

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  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 14 monthsRegular APR14.24% – 25.24% VariableIntro Balance Transfers APR0% for 14 months

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Overall Creditcards.com Rating

Cash Back Rating:4.3of 5

Rewards Value:4.5Annual Percentage Rate:4.2Rewards Flexibility :4.1Customer Experience:4.9Ratings Policy

BEST TRAVEL REWARDS CREDIT CARD

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Capital One® Venture® Rewards Credit Card

10,147 Reviews

Capital One® Venture® Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate10XEarn 10X miles on thousands of hotels; learn more at hotels.com/venture 
2XEarn 2X miles on every purchase, every day 

THIS CARD IS BEST FOR

Travelers who want to earn unlimited miles

Why Apply?

A 50K mile sign-up bonus after spending $3,000 in the first 3 months will set you well on your way toward your next vacation. Earning 2X miles on every purchase means there’s no need to track your spending in particular categories. Miles are redeemable for travel statement credits, and you’re free to book through discount travel sites.

At A Glance

Intro Bonus50,000 miles?Annual Fee$95, waived first yearRegular APR17.99% – 25.24% variable

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  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card’ by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Rates & Fees

Annual Fee$0 intro for first year; $95 after thatIntro Purchase APRN/ARegular APR17.99% – 25.24% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:4.2of 5

Rewards Value:3.7Annual Percentage Rate:2.0Rewards Flexibility:5.0Customer Experience:3.7Ratings Policy

BEST REWARDS CREDIT CARD

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Wells Fargo Propel American Express® card

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Wells Fargo Propel American Express® card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Wells Fargo’s Secure SiteRewards Rate3XEarn 3X points on eating out and ordering in 
3XEarn 3X points on travel including flights, hotels, homestays and car rentals 
3XEarn 3X points on gas stations, rideshares and transit 
3XEarn 3X points on popular streaming services 
1XEarn 1X points on other purchases 

THIS CARD IS BEST FOR

Consumers seeking high rewards with no annual fee

Why Apply?

This Wells Fargo card offers 3X points on dining, gas stations, and travel. That’s a big rewards rate in multiple categories. These bonus categories even include expenses like rideshares and rental cars.

At A Glance

Intro Bonus30,000 points?Annual Fee$0Regular APR15.99% – 27.99% variable

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  • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select “Apply Now” to learn more about the product features, terms and conditions

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 12 monthsRegular APR15.99%-27.99% (Variable)Intro Balance Transfers APR0% for 12 months on qualifying balance transfers

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Overall Creditcards.com Rating

Rewards Rating:3.5of 5

Rewards Value:3.1Annual Percentage Rate:3.6Rewards Flexibility :4.3Features:3.0Ratings Policy

BEST FLAT-RATE CASH BACK CREDIT CARD

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Capital One® Quicksilver® Cash Rewards Credit Card

6,054 Reviews

Capital One® Quicksilver® Cash Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate1.5%Earn unlimited 1.5% cash back on every purchase, every day 

THIS CARD IS BEST FOR

Someone that wants steady cash back without worrying about spending categories

Why Apply?

The Quicksilver is a very well rounded flat-rate cash back card. In addition to receiving 1.5% cash back on all purchases, there is a $150 sign up bonus for spending only $500 within 3 months of opening the account.

At A Glance

Intro Bonus$150?Annual Fee$0Regular APR16.24% – 26.24% variable

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  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Rates & Fees

Annual Fee$0Intro Purchase APR0% intro on purchases for 15 monthsRegular APR16.24% – 26.24% (Variable)Intro Balance Transfers APR0% intro on balance transfers for 15 months

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Overall Creditcards.com Rating

Cash Back Rating:3.4of 5

Rewards Value:1.9Annual Percentage Rate:0.9Rewards Flexibility:4.8Features:4.0Ratings Policy

BEST LOW INTEREST CREDIT CARD

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Discover it® Balance Transfer

26,257 Reviews

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Discover it® Balance Transfer

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Discover’s Secure SiteRewards Rate5%Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. 
1%Earn 1% unlimited cash back on all other purchases – automatically. 

THIS CARD IS BEST FOR

Consumers who want to avoid high interest payments on purchases

Why Apply?

After the 0% intro APR (18 months on balance transfers and 6 months for purchases), you can save on interest with a low on-going APR of 14.24% – 25.24% (variable).

At A Glance

Intro BonusCashback Match™?Annual Fee$0Regular APR14.24% – 25.24% variable

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  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 6 monthsRegular APR14.24% – 25.24% VariableIntro Balance Transfers APR0% for 18 months

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Overall Creditcards.com Rating

Balance Transfer:4.5of 5

Introductory Offer:4.7Net Value:3.6Features:2.0Customer Experience:4.9Ratings Policy

BEST NO ANNUAL FEE CREDIT CARD

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Capital One® VentureOne® Rewards Credit Card

6,296 Reviews

Capital One® VentureOne® Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate10XEarn 10X miles on thousands of hotels; learn more at hotels.com/venture 
1.25XEarn 1.25X miles on every purchase, every day 

THIS CARD IS BEST FOR

Consumers looking for a flexible no-annual-fee card

Why Apply?

This card’s welcome offer is top notch. If you travel often, you’ll probably enjoy the best-in-class hotel rewards program too, with a whopping 10X miles per dollar when you book and pay for hotels via hotels.com/venture.

At A Glance

Intro Bonus20,000 miles?Annual Fee$0Regular APR14.24% – 24.24% variable

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  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% – 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn

Rates & Fees

Annual Fee$0Intro Purchase APR0% intro on purchases for 12 monthsRegular APR14.24% – 24.24% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Low Interest:3of 5

Rates, Fees, Penalties:2.6Rewards:2.9Features:4.0Customer Experience:3.7Ratings Policy

BEST DINING REWARDS CREDIT CARD

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Capital One® Savor® Cash Rewards Credit Card

990 Reviews

Capital One® Savor® Cash Rewards Credit Card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Capital One’s Secure SiteRewards Rate4%Earn unlimited 4% cash back on dining and entertainment 
2%Earn 2% at grocery stores 
1%Earn 1% on all other purchases 

THIS CARD IS BEST FOR

Shoppers that eat at restaurants frequently 

Why Apply?

The revamped Savor Card offers 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. If you dine out often and would rather have simple cash rewards instead of points and miles, you can’t go wrong with the Savor.

At A Glance

Intro Bonus$300?Annual Fee$95, waived first yearRegular APR16.74% – 25.74% variable

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  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Rates & Fees

Annual Fee$0 intro for first year; $95 after thatIntro Purchase APRN/ARegular APR16.74% – 25.74% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Cash Back Rating:4.8of 5

Rewards Value:4.8Annual Percentage Rate:0.8Rewards Flexibility:4.9Features:3.0Ratings Policy

BEST GAS CREDIT CARD

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Blue Cash Preferred® Card from American Express

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Blue Cash Preferred® Card from American Express

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat American Express’s Secure SiteRewards Rate6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) 
6%6% Cash Back on select U.S. streaming subscriptions 
3%3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more 
3%3% Cash Back at U.S. gas stations 
1%1% Cash Back on other purchases 

THIS CARD IS BEST FOR

Those with a long commute 

Why Apply?

The Blue Cash Preferred Card from American Express earns 3% cash back at U.S. gas stations. If you’re interested in saving up front and in the long run, this card is an asset when it comes to everyday spending on gas. Terms Apply.

At A Glance

Intro Bonus$250?Annual Fee$95Regular APR14.99% – 25.99% variable

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  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • $95 annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee$95Intro Purchase APR0% on purchases for 12 monthsRegular APR14.99%-25.99% VariableIntro Balance Transfers APR0% on balance transfers for 12 months

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Overall Creditcards.com Rating

Cash Back Rating:4.3of 5

Rewards Value:4.7Rewards Flexibility:3.4Additional Features:3.0Customer Experience:4.5Ratings Policy

BEST BALANCE TRANSFER CREDIT CARD

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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card – No Late Fees Ever

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Citi’s Secure SiteRewards RateThis card doesn’t offer cash back, miles, or points 

THIS CARD IS BEST FOR

Someone who currently pays high interest on debt

Why Apply?

This card offers an exceptionally long introductory period on balance transfers. Transfer an existing balance onto this card and you’ll have 21 months to pay it off, interest-free (then 16.74% – 26.74% variable APR applies). 

At A Glance

Intro BonusNo current offerAnnual Fee$0*Regular APR16.74% – 26.74%* (Variable)

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  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% – 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% – 26.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day — just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Rates & Fees

Annual Fee$0*Intro Purchase APR0%* 12 months on Purchases*Regular APR16.74% – 26.74%* (Variable)Intro Balance Transfers APR0%* 21 months on Balance Transfers*

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Overall Creditcards.com Rating

Balance Transfer Rating:3.7of 5

Introductory Offer:3.6Net Value:3.9Features:3.0Customer Experience:2.7Ratings Policy

BEST 0% INTEREST CREDIT CARD

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Wells Fargo Platinum card

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Wells Fargo Platinum card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Wells Fargo’s Secure SiteRewards RateThis card doesn’t offer cash back, miles, or points 

THIS CARD IS BEST FOR

Long 0% intro APR period

Why Apply?

This card offers a lengthy intro APR period on balance transfers and purchases and has no annual fee. 

At A Glance

Intro BonusNo current offerAnnual Fee$0Regular APR17.49% – 26.99% variable

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  • Apply and take control of your credit health with Wells Fargo’s longest intro APR
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select “Apply Now” to learn more about the product features, terms and conditions

Rates & Fees

Annual Fee$0Intro Purchase APR0% for 18 monthsRegular APR17.49%-26.99% (Variable)Intro Balance Transfers APR0% for 18 months on qualifying balance transfers

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Overall Creditcards.com Rating

Balance Transfer Rating:4.4of 5

Introductory Offer:4.7Net Value:2.8Features:3.0Customer Experience:2.1Ratings Policy

BEST NO FOREIGN TRANSACTION FEE CREDIT CARD

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Bank of America® Travel Rewards credit card

25,754 Reviews

Bank of America® Travel Rewards credit card

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat Bank of America’s Secure SiteRewards Rate1.5XEarn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire 

THIS CARD IS BEST FOR

Travelers going on international trips

Why Apply?

This card will net you 1.5 points per dollar spent on all purchases; and there’s no annual fee. The flat-rate rewards structure is especially valuable considering there’s no foreign transaction fee, either. Use it to pay for your travels and take it with you—you’ll come home to a healthy supply of points.

At A Glance

Intro Bonus25,000 points?Annual Fee$0Regular APRSee Terms

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  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase

Rates & Fees

Annual Fee$0Intro Purchase APRSee terms for 12 billing cyclesRegular APRSee TermsIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:3.4of 5

Rewards Value:2.6Annual Percentage Rate:3.3Rewards Flexibility:4.6Ratings Policy

BEST AIRLINE MILES CREDIT CARD

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Gold Delta SkyMiles® Credit Card from American Express

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Gold Delta SkyMiles® Credit Card from American Express

 Good to ExcellentCredit Recommended (670-850) ?Apply Nowat American Express’s Secure SiteRewards Rate2XEarn 2 miles for every dollar spent on eligible purchases made directly with Delta. 
1XEarn one mile for every eligible dollar you spend on other purchases. 

THIS CARD IS BEST FOR

Frequent flyers who want to upgrade their Delta experience

Why Apply?

The Gold Delta Card offers two introductory bonuses: 30,000 miles after you spend $1,000 in the first three months and a $50 statement credit after you make a Delta purchase with your new card during the same time period. Delta loyalists can count on both of these bonuses in addition to a number of signature American Express perks to make the Gold Delta card a solid play.

At A Glance

Intro Bonus30,000 Miles?Annual Fee$0 introductory annual fee for the first year, then $95.Regular APR17.74% – 26.74% variable

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  • Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on other purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Rates & Fees

Annual Fee$0 introductory annual fee for the first year, then $95.Intro Purchase APRN/ARegular APR17.74%-26.74% VariableIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Rewards Rating:3.6of 5

Rewards Value:3.1Rewards Flexibility:4.4Features:3.0Customer Experience:4.6Ratings Policy

BEST SMALL BUSINESS CREDIT CARD

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Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

 ExcellentCredit Recommended (740-850) ?Apply Nowat Chase’s Secure SiteRewards Rate1.5%Earn unlimited 1.5% cash back on every purchase made for your business 

THIS CARD IS BEST FOR

Small business owners who can use cash back to save on expenses

Why Apply?

You have options with the Ink Business Unlimited Credit Card. Either maintain a simple rewards program for your business, knowing that you are earning 1.5% cash back on every purchase made for your business with the card, or pair it with a premium card like the Ink Business Preferred and convert your cash back into Chase Ultimate Rewards points.

At A Glance

Intro Bonus$500?Annual Fee$0Regular APR15.24% – 21.24% variable

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  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Rates & Fees

Annual Fee$0Intro Purchase APR0% Intro APR on Purchases for 12 MonthsRegular APR15.24% – 21.24% VariableIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Business Rating:3.5of 5

Rewards Value:3.1Rewards Flexibility:4.1Features:2.3Customer Experience:3.6Ratings Policy

BEST CREDIT CARD FOR FAIR CREDIT

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Capital One® Platinum Credit Card

8,834 Reviews

Capital One® Platinum Credit Card

 Fair to GoodCredit Recommended (580-740) ?Apply Nowat Capital One’s Secure SiteRewards RateThis card doesn’t offer cash back, miles, or points 

THIS CARD IS BEST FOR

People looking to improve their average credit

Why Apply?

Help strengthen your credit while maintaining flexibility. With the Capital One Platinum card, you have the ability to choose the monthly due date that works for you. After five months of on-time payments, your credit line may increase.

At A Glance

Intro BonusNo current offerAnnual Fee$0Regular APR26.96% variable

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  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Rates & Fees

Annual Fee$0Intro Purchase APRN/ARegular APR26.96% (Variable)Intro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Credit Building Rating:3.7of 5

Cost of Membership:3.8Ease of Building Credit:4.0APR:1Features:2.5Ratings Policy

BEST CREDIT CARD FOR BAD CREDIT

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Credit One Bank® Visa® Credit Card

4,616 Reviews

Credit One Bank® Visa® Credit Card

 Bad to FairCredit Recommended (300-670) ?Apply Nowat Credit One Bank’s Secure SiteRewards Rate1%Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply. 

THIS CARD IS BEST FOR

People with bad credit who are getting back on their feet

Why Apply?

You’ll have the opportunity to earn 1% cash back on eligible purchases while building your credit. The flexibility to choose your own payment date and set up custom credit limit alerts also makes it easy to track your credit-building progress.

At A Glance

Intro BonusNo current offerAnnual Fee$0 – $99Regular APR20.24% – 26.24% variable

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  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you’ll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.

Rates & Fees

Annual Fee$0 – $99Intro Purchase APRN/ARegular APR20.24% – 26.24% VariableIntro Balance Transfers APRN/A

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Overall Creditcards.com Rating

Credit Building Rating:2.2of 5

Cost of Membership:1.3Ease of Building Credit:3.2APR:2.8fEATURES:2.5Ratings Policy

BEST CREDIT CARD FOR STUDENTS

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Discover it® Student Cash Back

1,099 Reviews

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Discover it® Student Cash Back

 No Credit HistoryApply Nowat Discover’s Secure SiteRewards Rate5%Earn 5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. 
1%Earn 1% unlimited cash back on all other purchases – automatically. 

THIS CARD IS BEST FOR

Students applying for their first credit card

Why Apply?

This card offers the ability to earn generous rewards while improving your credit in school.