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Best Credit Cards in May 2025
Content was accurate at the time of publication.
Citi is an advertising partner.
Key Takeaways
- Our top card picks can put hundreds or even thousands of dollars back in your wallet. You’ll get benefits like sign-up bonuses, no annual fees, cash back, travel rewards and low interest rates.
- Cash back credit cards offer flexibility while travel rewards cards typically offer better value.
- Credit cards with 0% intro APR offers help you save interest and pay off debt faster.
- The best credit card for you depends on how you use credit. There’s no one-size-fits-all credit card. You should think about the type of card that’s best for you to narrow down your options.
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28 Top Credit Cards
If you are interested in a specific type of card, select the related topic below to jump to our best cards for that category:
Related Topics:
Best credit card offers
Best credit card for gas
Citi Custom Cash® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards on gas: up to 5% cash back per $1 spent
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.
- 5% cash back on your highest earning category each month
- Easy-to-earn sign-up bonus
- $0 annual fee
- Intro APR on purchases and balance transfers
- Bonus capped at $500 spend each month
- Only earns 1% cash back on most other purchases
You can earn up to $300 back on gas purchases in a year with the Citi Custom Cash® Card if you max out the $500 spending cap every month. So if you’re looking to earn as much as you can at the pump with a dedicated gas card, you’d be hard pressed to find a better option.
- 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness.
- 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
*The information related to the Citi Custom Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card for groceries
Blue Cash Preferred® Card from American Express*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards on U.S. supermarkets: 1% – 6% cash back per $1 spent
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. Cash back is redeemable for statement credits.
- High rate of cash back at U.S. supermarkets
- Valuable welcome offer
- Long intro APR period on purchases
- Capped elevated rewards rate
- Foreign transaction fees
- Annual fee after first year
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
*The information related to the Blue Cash Preferred® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card sign-up bonus
Chase Sapphire Preferred® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Up to $750 value
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Generous sign-up bonus
- Strong travel insurance and protections
- Flexible rewards
- $0 foreign transaction fees
- No complimentary airport lounge access
- $95 annual fee
If you want to earn a sign-up bonus that can cover the cost of your next flight (or two), take a look at the Chase Sapphire Preferred® Card. Jetsetters will love the travel protections, as well as the access to the Chase TravelSM program — which allows you to redeem points with a host of airline and hotel partners.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 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
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
*The information related to the Chase Sapphire Preferred® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best low-interest credit card
BECU Visa Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Low ongoing interest rate: 12.74% to 23.74% Variable APR
- $0 annual fee
- Extremely low APR
- No rewards or sign-up bonus
- Must qualify for BECU
If you need to carry a balance from month to month and are looking for the best credit card interest rates, we recommend the BECU Visa Credit Card. It offers one of the lowest APRs of any credit card — 12.74% to 23.74% Variable APR. Plus, you’ll get introductory APRs for purchases and balance transfers, which can make paying off credit card debt more affordable.
- No annual fee
- No balance transfer fees
- No cash advance fees
- No foreign transaction fees
- Choose from four card designs
*The information related to the BECU Visa Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Credit cards for bad credit
Best credit card for bad credit/best secured credit card
Discover it® Secured Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit needed: Limited / Poor
- Cash back rewards program
- Sign-up bonus
- See if you’re preapproved without harming your credit
- $0 annual fee
- Security deposit required
- High interest rates
The Discover it® Secured Credit Card is our pick for the top secured credit card because it offers perks like cash back rewards and a valuable sign-up bonus — rare features for a card geared toward consumers with limited / poor credit. Plus, you can see if you’re preapproved without damaging your credit.
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Get an alert if we find your Social Security number on the dark web. Activate for free.
- Terms and conditions apply.
*The information related to the Discover it® Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Easiest unsecured credit card to get
AvantCard Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.No deposit required.
- See if you prequalify without affecting your credit score
- Available to people with limited / poor / fair credit
- Good for rebuilding credit
- High APR
- Annual fee
- Late payment fee
As far as credit cards go, the AvantCard Credit Card is one of the easiest to get. It’s available to consumers with limited / poor / fair credit and allows you to check if you prequalify without damaging your credit with a hard pull. If you aren’t able to pay off your card every month, though, the high interest rates and late payment fees will make this card an expensive addition to your wallet.
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
*The information related to the AvantCard Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Business credit cards
BEST BUSINESS TRAVEL CREDIT CARD
Ink Business Preferred® Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x – 3x points per $1 spent
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
- Valuable sign-up bonus
- Earn points for purchases in common business spending categories
- Pairs with other Chase cards
- Annual fee
- High spending requirement to earn sign-up bonus
With the Ink Business Preferred® Credit Card, you’ll earn valuable Chase Ultimate Rewards® points for purchases in common business spending categories like shipping, advertising and travel. Plus, you can pair this card with other Chase cards to pool points and redeem travel rewards.
You’ll also earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 in cash back — or, if you redeem for travel through Chase Travel℠, $1,250 toward your next business trip.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
*The information related to the Ink Business Preferred® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best business travel credit card
The Business Platinum Card® from American Express*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x – 5x points per $1 spent
Earn 5X points on flights and prepaid hotels booked on AmexTravel.com. Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 1X points on other eligible purchases
- Valuable welcome offer
- Access to airport lounges
- $1,000+ in credits toward travel and business expenses
- Foreign transaction fee: None
- High annual fee
- High spending requirement for welcome offer
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
*The information related to the The Business Platinum Card® from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best cash back business credit card
Ink Business Unlimited® Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: Earn unlimited 1.5% cash back on every purchase made for your business
- Unlimited cash back
- Valuable sign-up bonus
- $0 annual fee
- Foreign transaction fee
Busy business owners will appreciate the ease of using the Ink Business Unlimited® Credit Card. You’ll earn unlimited cash back rewards on every purchase, so you won’t have to track bonus categories or spending caps. Plus, you can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
*The information related to the Ink Business Unlimited® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best cash back credit cards
Best 2% cash back credit card
Wells Fargo Active Cash® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 2% cash back per $1 spent
Earn unlimited 2% cash rewards on purchases.
- $0 annual fee
- Unlimited cash back
- Easy-to-earn sign-up bonus
- Intro APR on purchases and balance transfers
- No bonus categories
- Foreign transaction fee
The Wells Fargo Active Cash® Card is a simple yet valuable cash back card that has a $0 annual fee. Its elevated flat rewards rate can rack up cash back quickly on its own — or complement other cards with different bonus categories.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
5% cash back credit card
Chase Freedom Flex®*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1 – 5% cash back per $1 spent
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
- High cash back rate on quarterly rotating categories
- Easy-to-earn sign-up bonus
- Intro APR on purchases and balance transfers
- $0 annual fee
- 5% bonus category limited to $1,500 per quarter
- Must register to activate 5% bonus categories
- Can’t transfer rewards to hotels or airlines without a premium card
The Chase Freedom Flex® is our favorite 5% cash back credit card — it offers new bonus categories every quarter, allowing savvy cardholders to maximize their rewards when they pair it with other Chase cards.
It offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 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
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
*The information related to the Chase Freedom Flex® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best travel credit cards
Best travel credit card
Chase Sapphire Reserve®*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: 1x – 10x points per $1 spent
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- Lounge access
- $300 travel credit
- TSA PreCheck/NEXUS fee credit
- Strong travel protections
- $795 annual fee
- $75 authorized user fee
- Sign-up bonus is the same as lower-annual-fee version of the card
The Chase Sapphire Reserve® is one of the most valuable travel credit cards out there. It comes with benefits like a $300 travel credit, lounge access and travel protections that help cover the $795 annual fee. It also earns flexible points that can be transferred to partners like JetBlue, Southwest, United, Marriott and Hyatt at a 1:1 ratio.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
*The information related to the Chase Sapphire Reserve® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best airline credit card
Delta SkyMiles® Gold American Express Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1x – 2x miles per $1 spent
Earn 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases.
- Earn miles on every purchase
- Foreign transaction fee: None
- First checked bag free on Delta flights
- Travel insurance and protections
- Welcome offer
- Annual fee
- Potentially high APR
- You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Enjoy a $0 introductory annual fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- Receive Zone 5 Priority Boarding on Delta flights
- board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
*The information related to the Delta SkyMiles® Gold American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best hotel credit card
Hilton Honors Aspire Card from American Express*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 3x – 14x points per $1 spent
14X points on eligible purchases at hotels or resorts in the Hilton Portfolio, 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants and 3X points on other purchases
- Valuable welcome offer
- Travel and purchase protections
- Annual Free Night Reward
- Up to $400 resort credit
- Hilton Honors Diamond status (enrollment required)
- High annual fee
- Hilton Honors points value lower than other rewards points
- 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
- 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
- 3X Hilton Honors Bonus Points on other purchases
- Complimentary Hilton Honors Diamond status (enrollment required)
- One Free Night Reward in your first year of Card Membership and every year upon Card renewal
- Up to $400 Hilton Resort credit (up to $200 semi-annually)
- Up to $200 flight credit (up to $50 per quarter, enrollment required)
- Up to $209 CLEAR credit (enrollment required)
- $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
- National Car Rental® Emerald Club Executive® Status (enrollment required)
- Access to 24/7 American Express concierge
- No foreign transaction fees
- Terms apply
*The information related to the Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best no-annual-fee travel credit card
Capital One VentureOne Rewards Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1.25x – 5x miles per $1 spent
1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- $0 annual fee
- Foreign transaction fee: None
- Earn miles on every purchase
- Credit recommended: good / excellent
- Balance transfer fee applies
The Capital One VentureOne Rewards Credit Card allows you to earn miles on every purchase while paying $0 in annual fees. If you want a travel card that allows you to redeem miles for travel, but you don’t want to pay an annual fee in exchange for more valuable perks and benefits, you’d have a hard time finding a better option.
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One VentureOne Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit card for lounge access
American Express Platinum Card®*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Lounge access: Access to more than 1,400 lounges
- Extensive airport lounge access
- $1,000+ in travel and experience credits
- Valuable welcome offer
- Fee Credit for Global Entry or TSA PreCheck
- Foreign transaction fee: None
- Requires good / excellent credit
- High annual fee
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
*The information related to the American Express Platinum Card® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Credit cards for fair credit
Best credit card for fair credit
Capital One Platinum Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Automatic reviews: Be considered for a higher credit line in as little as six months
- $0 annual fee
- Unlimited access to your credit score
- Foreign transaction fees: None
- No security deposit required
- No rewards program
- High APR
With the Capital One Platinum Credit Card, you’ll get free access to your credit score and pay $0 in annual fees while you build your credit. Plus, you won’t have to put down a security deposit to get the card.
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Runner-up, best credit card for fair credit
Capital One QuicksilverOne Cash Rewards Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1.5 – 5% cash back per $1 spent
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Cash back on every purchase
- Automatic consideration for a higher credit line after six months
- Unlimited access to your credit score
- Foreign transaction fees: None
- High APR
- Annual fee
If you’re willing to pay a $39 annual fee in exchange for earning cash back on every purchase, consider the Capital One QuicksilverOne Cash Rewards Credit Card. The cash back rates are excellent, considering that the card is available to consumers with limited / fair credit. Plus, you can safely take this card abroad without worrying about paying foreign exchange fees, as there are none.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One QuicksilverOne Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
0% APR credit cards
Longest 0% APR credit card
Wells Fargo Reflect® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Long intro APR on purchases: 0% intro APR for 21 months from account opening on purchases then a 17.49%, 23.99%, or 28.24% Variable APR applies.
- $0 annual fee
- Lengthy intro APR on purchases and balance transfers
- Cellphone protection
- Balance transfer fee: 5%, min: $5
- No rewards or sign-up bonus
The Wells Fargo Reflect® Card offers one of the longest intro APRs on the market — you’ll have almost two years to pay off a big purchase or balance transfer without accruing any interest.
Purchase APR: 0% intro APR for 21 months from account opening on purchases then a 17.49%, 23.99%, or 28.24% Variable APR applies.
Balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers, then a 17.49%, 23.99%, or 28.24% Variable APR applies.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
*The information related to the Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Runner-up, best credit card with a 0% APR
Citi Simplicity® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro APR: 0% intro apr for 18 months on purchases, 0% intro apr for 18 months on balance transfers. Then, a 17.49% - 28.24% (variable) APR applies.
- Long intro APR periods on balance transfers and purchases
- $0 annual fee
- No late fees or penalty APR
- No rewards program
- Balance transfer fee
- No sign-up bonus
The Citi Simplicity® Card is a solid pick for consumers looking for a simple card with long intro APR periods on balance transfers and purchases. You won’t pay much in fees with this card — there are no late fees or penalty APRs — but you also won’t get cash back in the form of rewards or a sign-up bonus.
- 0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability on unauthorized charges.
*The information related to the Citi Simplicity® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Student credit cards
Runner-up, best credit card for students
Bank of America® Customized Cash Rewards Credit Card for Students*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1% – 3% cash back per $1 spent
6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $0 annual fee
- Cash back on every purchase
- Sign-up bonus
- Foreign transaction fees
- Penalty APR for late payments
The Bank of America® Customized Cash Rewards Credit Card for Students is a solid choice if you’re a student on the lookout for cash back rewards you can tailor to your spending. You’ll earn cash back on all purchases, including up to 3% cash back in certain popular categories. Still, note that you’ll need to pay your bill on time if you want to avoid high interest rates — the card charges a penalty APR for late payments.
- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
*The information related to the Bank of America® Customized Cash Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit cards to build credit
Best credit card to build credit
Capital One Platinum Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Build credit with no deposit or annual fee
- $0 annual fee
- Unlimited access to your credit score
- Foreign transaction fees: None
- No security deposit required
- No rewards program
- High APR
The Capital One Platinum Credit Card reports your credit usage to the three major credit bureaus (Equifax, Experian and TransUnion) and automatically begins reviewing your account at six months to see if you qualify for a higher credit limit. Not every card for fair credit offers automatic reviews, so this is an especially helpful feature if you want to build your credit.
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
*The information related to the Capital One Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best secured credit card to build credit
Discover it® Secured Credit Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: 1% – 2% cash back per $1 spent
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- Cash back rewards program
- Sign-up bonus
- See if you’re preapproved without harming your credit
- $0 annual fee
- Security deposit required
- High interest rates
The Discover it® Secured Credit Card offers a slew of perks and features for people who want to build credit. You can check your FICO Score for free. In addition, Discover starts conducting monthly account reviews to determine if you’re eligible for an upgrade to an unsecured card after just seven months. In the meantime, you’ll earn cash back rewards and pay $0 in annual fees.
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Get an alert if we find your Social Security number on the dark web. Activate for free.
- Terms and conditions apply.
*The information related to the Discover it® Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Balance transfer credit cards
Best credit card for balance transfer
Citi Double Cash® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Long intro APR on balance transfers: 0% intro APR for 18 months on Balance Transfers. After, a 17.49% - 27.49% (Variable) APR applies.
- Long intro APR on balance transfers
- Great flat-rate rewards
- No annual fee
- Flexible redemption options
- No intro APR on purchases
- Foreign transaction fee
- Must repay purchases to get full 2% cash back
The Citi Double Cash® Card has an intro APR that gives you more than a year to pay off your balance transfer. Plus, it has a rewards program, which makes the card worth having in your wallet for years to come.
- 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.
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- 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).
*The information related to the Citi Double Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Runner-up, best credit card for balance transfer
Wells Fargo Reflect® Card*
LendingTree's Review
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro APR on balance transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers. After, a 17.49%, 23.99%, or 28.24% Variable APR applies.
- $0 annual fee
- Lengthy intro APR on purchases and balance transfers
- Cellphone protection
- Balance transfer fee: 5%, min: $5
- No rewards or sign-up bonus
The Wells Fargo Reflect® Card is an excellent choice if you’re looking for a card that’ll give you the most time possible to pay off your balance transfer. You’ll have almost two years to pay off your balance, but you won’t have to pay anything in annual fees — the card charges $0.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
*The information related to the Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best credit cards comparison
| Credit Cards | Our Ratings | Rewards Rate | Annual Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
|
Citi Custom Cash® Card*
|
Best credit card for gas
|
1% - 5% cash back
| $0 | Good / Excellent | |
|
Blue Cash Preferred® Card from American Express*
|
Best credit card for groceries
|
1% - 6% cash back
| $0 intro annual fee for the first year, then $95. | Good / Excellent | |
|
Chase Sapphire Preferred® Card*
|
Best credit card sign-up bonus
|
1X - 5X points
| $95 | Excellent | |
|
BECU Visa Credit Card*
|
Best low-interest credit card
|
N/A | $0 | N/A | |
|
Discover it® Secured Credit Card*
|
Best credit card for bad credit, best secured credit card to build credit
|
1% - 2% cash back
| $0 | Limited / Poor | |
|
AvantCard Credit Card*
|
Easiest unsecured credit card to get
|
N/A | $59 | Limited / Poor / Fair | |
|
Ink Business Preferred® Credit Card*
|
Best business travel credit card
|
1X - 3X points
| $95 | Excellent | |
|
The Business Platinum Card® from American Express*
|
Best business travel credit card
|
1X - 5X points
| $895 | Good / Excellent | |
|
Ink Business Unlimited® Credit Card*
|
Best cash back business credit card
|
1.5% cash back
Earn unlimited 1.5% cash back on every purchase made for your business
| $0 | Good / Excellent | |
|
Wells Fargo Active Cash® Card*
|
2% cash back credit card
|
2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases.
| $0 | Good / Excellent | |
|
Chase Freedom Flex®*
|
5% cash back credit card
|
1% - 5% cash back
| $0 | Good / Excellent | |
|
Chase Sapphire Reserve®*
|
Best travel credit card
|
1X - 8X points
| $795 | Excellent | |
|
Delta SkyMiles® Gold American Express Card*
|
Best airline credit card
|
1X - 2X miles
| $0 introductory annual fee for the first year, then $150. | Good / Excellent | |
|
Hilton Honors Aspire Card from American Express*
|
Best hotel credit card
|
3X - 14X points
| $550 | Good / Excellent | |
|
Capital One VentureOne Rewards Credit Card*
|
Best no-annual-fee travel credit card
|
1.25X - 5X Miles
| $0 | Good / Excellent | |
|
American Express Platinum Card®*
|
Best credit card for lounge access
|
5X points
| $895 | Good / Excellent | |
|
Capital One Platinum Credit Card*
|
Best credit card for fair credit
|
N/A | $0 | Limited / Fair | |
|
Capital One QuicksilverOne Cash Rewards Credit Card*
|
Runner-up, Best credit card for fair credit
|
1.5% - 5% Cash Back
| $39 | Limited / Fair |
*The information related to the Citi Custom Cash® Card, Blue Cash Preferred® Card from American Express, Chase Sapphire Preferred® Card, BECU Visa Credit Card, Discover it® Secured Credit Card, AvantCard Credit Card, Ink Business Preferred® Credit Card, The Business Platinum Card® from American Express, Ink Business Unlimited® Credit Card, Wells Fargo Active Cash® Card, Chase Freedom Flex®, Chase Sapphire Reserve®, Delta SkyMiles® Gold American Express Card, Hilton Honors Aspire Card from American Express, Capital One VentureOne Rewards Credit Card, American Express Platinum Card®, Capital One Platinum Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
| Credit Cards | Our Ratings | Rewards Rate | Annual Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
|
Wells Fargo Reflect® Card*
|
Longest 0% APR credit card
|
N/A | $0 | Good / Excellent | |
|
Citi Simplicity® Card*
|
Runner-up, best credit card with a 0% APR
|
N/A | $0 | Good / Excellent | |
|
Bank of America® Customized Cash Rewards Credit Card for Students*
|
Runner-up, best credit card for students
|
1% - 6% cash back
| $0 | Good / Excellent | |
|
Capital One Platinum Credit Card*
|
Best credit card to build credit
|
N/A | $0 | Limited / Fair | |
|
Discover it® Secured Credit Card*
|
Best secured credit card to build credit
|
1% - 2% cash back
| $0 | Limited / Poor | |
|
Citi Double Cash® Card*
|
Best credit card for balance transfer
|
2% - 5% cash back
| $0 | Good / Excellent | |
|
Wells Fargo Reflect® Card*
|
Runner-up, best credit card for balance transfer
|
N/A | $0 | Good / Excellent |
*The information related to the Wells Fargo Reflect® Card, Citi Simplicity® Card, Bank of America® Customized Cash Rewards Credit Card for Students, Capital One Platinum Credit Card, Discover it® Secured Credit Card, Citi Double Cash® Card and Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Compare credit cards
When comparing credit cards, consider which benefits and features matter most to you and which drawbacks — like fees and high interest rates — you can live with.
Common benefits
Rewards: Most people can benefit from credit cards that earn rewards in the form of cash back or points. When comparing credit cards, choose a card that offers rewards for spending money on categories that make up a large chunk of your monthly budget. If you’re choosing a card for building credit like a secured or student credit card, having a rewards rate at all is a major plus.
Sign-up bonuses: Many credit cards offer bonuses in the form of cash or points in order to get more people to apply for the card. You’ll likely have to spend a specified amount of money within the first three to six months in order to earn the sign-up bonus.
Travel insurance/protection: Travel cards often offer benefits that reimburse you for your trouble when something goes wrong on your trip. Common benefits include trip cancellation/interruption insurance, baggage delay insurance and emergency assistance services.
Concierge service: Concierge services can help you make arrangements for travel, restaurants, entertainment and more.
$0 fraud liability: If your card is stolen and used to purchase something, you won’t be held liable for the charge when your card has this feature.
Purchase protection: Cards with purchase protection will reimburse you if a purchase you made with your card is damaged or stolen. This protection is typically limited to a certain period of time and up to a particular amount.
You can check the card issuer’s website or the card’s terms and conditions to see if a particular card offers any of these benefits.
Common credit card fees and drawbacks
Annual fee: This is the fee you pay every year for having the card. Some cards don’t have an annual fee, but the ones that do typically charge between $95 and $695. In order to get some of the best benefits listed above, you might have to pay an annual fee.
High APRs: Annual percent rates (APRs) are what cards charge you when you don’t pay your entire credit card balance every month — think of them as the cost of borrowing money. Interest rates may not be an important factor for you if you pay off your card every month. However, if you plan to carry a balance, you should choose a card with low interest rates.
Foreign transaction fee: Some credit cards charge a fee for using your card outside of the U.S. Cards that have foreign transaction fees typically charge 3% to 5% of each transaction.
Balance transfer fee: This is the fee for transferring a balance onto a new card — it’s typically 3% to 5% of the balance, with a minimum of $5 to $10.
Cash advance fee: This is the fee for using your credit card to get cash, typically 5% of each cash advance. You also may be subject to a cash advance APR, which is higher than regular interest rates.
Authorized user fee: When you add authorized users to your account, they’ll be able to make charges. Some cards allow you to add your first few authorized users for free, then charge a fee per authorized user after you pass that number.
Before you apply for a card, you can check the terms and conditions on the issuer’s website. You should also make sure that your credit score makes you likely to qualify for the card you’re interested in.
What is the best credit card?
The best card for you will give you more value in benefits and features than it costs you in fees and interest. Common credit card benefits include rewards on everyday purchases, travel insurance/protection, hotel or entertainment credits and concierge service. Many consumers avoid cards with annual fees, but several of our favorite cards make up for charging an annual fee by offering more value in rewards and benefits.
If you’re new to credit or rebuilding your credit, you might not qualify for some of the best rewards credit cards. Look for cards with benefits like low interest rates, availability to people with bad credit and regular account reviews to increase your credit limit.
Read more about our picks for the best credit cards for limited or no credit history.
Test Card
REDcard*
N/A
*The information related to the REDcard has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Citi Custom Cash® Card, Blue Cash Preferred® Card from American Express, Chase Sapphire Preferred® Card, BECU Visa Credit Card, Discover it® Secured Credit Card, AvantCard Credit Card, Ink Business Preferred® Credit Card, The Business Platinum Card® from American Express, Ink Business Unlimited® Credit Card, Wells Fargo Active Cash® Card, Chase Freedom Flex®, Chase Sapphire Reserve®, Delta SkyMiles® Gold American Express Card, Hilton Honors Aspire Card from American Express, Capital One VentureOne Rewards Credit Card, American Express Platinum Card®, Capital One Platinum Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, Wells Fargo Reflect® Card, Citi Simplicity® Card, Bank of America® Customized Cash Rewards Credit Card for Students, Citi Double Cash® Card, Discover it® Student Cash Back and REDcard has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
