The best credit cards are those which match your lifestyle needs. We at GET.com research and review hundreds of the latest credit card offers in the US, taking into account the rewards, benefits, APR and fees, to come up with our list of Best Credit Cards for 2017 in different categories: Rewards, 0% balance transfer, cash back, hotel & airline, business, student. We will also reveal our best credit cards for bad credit. When you click 'Apply Now', we send you off to the card issuer's official online application. Start your search for the best credit card now.

GET.com's best credit cards

Best ForCredit Card
Unlimited Cash BackChase Freedom Unlimited℠
5% Cash BackDiscover it® Cashback Match™
Travel RewardsChase Sapphire Preferred® Card
Balance TransferChase Slate®
Repairing CreditDiscover it® Secured Credit Card - No Annual Fee

Best Credit Cards With Cash Back

Cash back credit cards give you back a certain percentage of what you spend in the form of cash rebates which is cold, hard cash. It is like getting a discount every time you spend on your card. Most of the cash back cards below have no annual fee.

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    Why we like it
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Unlimited 1.5% cash back on every purchase - it's automatic.
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum.
    • Redeem for cash — any amount, anytime.
    • Cash Back rewards do not expire as long as your account is open.
    • No annual fee.
    APPLY NOWAt Chase's secure website

    Intro APR

    0% Intro APR for 15 months from account opening on purchases and balance transfers

    Regular APR

    14.24%-23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Unlimited 1.5% cash back on every purchase - it's automatic.
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    Intro APR

    0% Intro APR for 15 months from account opening on purchases and balance transfers

    Regular APR

    14.24%-23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Unlimited 1.5% cash back on every purchase - it's automatic.
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum.
    • Redeem for cash — any amount, anytime.
    • Cash Back rewards do not expire as long as your account is open.
    • No annual fee.
    APPLY NOWAt Chase's secure website

Chase Freedom Unlimited℠ gives you unlimited 1.5% cash back automatically on every purchase you make, and you can redeem any amount for cash anytime. You earn a $150 Bonus after charging $500 of purchases to this card within your first 3 months after account opening. That makes this a very solid credit card for flat rate cash back on all your purchases. 0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24% applies. The balance transfer fee is 5% of the amount transferred, $5 minimum. This card can help you avoid wasting money on interest for a long period of time. Best of all, it has no annual fee.

Read our detailed Chase Freedom Unlimited℠ review here.

  • You could turn $200 into $400 with Cashback MatchTM. Discover will automatically match all the cash back you earn at the end of your first year. New cardmembers only.

    Why we like it
    • You could turn $200 into $400 with Cashback MatchTM. Discover will automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases and balance transfers for 14 months

    Regular APR

    11.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • You could turn $200 into $400 with Cashback MatchTM. Discover will automatically match all the cash back you earn at the end of your first year. New cardmembers only.

    Intro APR

    0% on purchases and balance transfers for 14 months

    Regular APR

    11.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • You could turn $200 into $400 with Cashback MatchTM. Discover will automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

Discover it® Cashback Match™ is a cash back credit card. This Discover card gives you 5% cash back on purchases in bonus categories that change each quarter after you sign up for 5% cash back, up to $1,500 in combined category purchases each quarter. You get unlimited 1% cash back automatically on everything else you purchase. Offer only for new cardmembers: All the cash back you've earned at the end of the first year will be matched automatically. Discover it® Cashback Match™ offers a 0% intro APR on purchases and balance transfers for the first 14 months (11.24% - 23.24% variable APR after). It has a 3% fee for balance transfers. No annual fee.

Click here to read our detailed review of Discover it® Cashback Match™.

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

    Why we like it
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • No categories to track, no caps on cash back, no annual fee*
    APPLY NOWAt Citi's secure website

    Intro APR

    0% intro APR on balance transfers for 18 months

    Regular APR

    13.24% - 23.24%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good, Excellent
    APPLY NOWAt Citi's secure website
    Why we like it
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Introductory APR offer.

    Intro APR

    0% intro APR on balance transfers for 18 months

    Regular APR

    13.24% - 23.24%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good, Excellent
    Why we like it
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • No categories to track, no caps on cash back, no annual fee*
    APPLY NOWAt Citi's secure website

With Citi® Double Cash Card – 18 month BT offer, a partner card, you can earn cash back twice: you will earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To be eligible for the second cash back you will need to make at least the minimum required payment. There is no cap on the amount of cash back you can earn and you don't have to enroll in any program in order to earn it. You can redeem your cash back for statement credit, gift cards, or checks. You will benefit from a 0% intro APR on balance transfers for 18 months. After the intro period is over, the regular 13.24% - 23.24% variable APR (depending on your creditworthiness) applies. Click on the 'Apply Now' button to see the applicable balance transfer fee and learn about how making a balance transfer impacts interest on purchases directly on the secure Citi website. This card has no annual fee.

Read our review of Citi® Double Cash Card – 18 month BT offer here.

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.

    Why we like it
    • No annual fee
    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%.
    APPLY NOWAt Bank of America's secure website
    or Call 800-508-2933 or Call 866-349-6262

    Intro APR

    0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

    Regular APR

    13.24% - 23.24% Variable APR on purchases and balance transfers

    Annual Fee

    No annual fee

    Credit Required

    Excellent
    APPLY NOWAt Bank of America's secure website
    or Call 800-508-2933 or Call 866-349-6262
    Why we like it
    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
    • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
    We least like
    • Foreign transaction fee.

    Intro APR

    0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

    Regular APR

    13.24% - 23.24% Variable APR on purchases and balance transfers

    Annual Fee

    No annual fee

    Credit Required

    Excellent
    Why we like it
    • No annual fee
    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%.
    APPLY NOWAt Bank of America's secure website
    or Call 800-508-2933 or Call 866-349-6262

BankAmericard Cash Rewards™ credit card is a cash rewards credit card with no annual fee for those of you who like to earn cash rewards when you make purchases. With this card, you will earn a $100 online cash rewards bonus after you make at least $500 in purchases in the first 90 days. As for cash rewards, you will earn 2% cash back at grocery stores and wholesale clubs and 3% cash back on gas on the first $2,500 you spend in combined grocery store, wholesale clubs and gas purchases each quarter. For all other purchases, you will earn 1% cash back. Unlike many other credit cards, you don't have to enroll in any rewards program to receive your cash back & there are no changing categories. Your cash back doesn't expire, and you can choose to redeem it in the form of a statement credit, check, or directly into a Bank of America® checking or savings account. Balance transfer fees equal 3% of each transaction (minimum $10). Bank of America customers can earn a 10% customer bonus each time you redeem cash back into a Bank of America® savings or checking account. That bonus can be increased to 25%-75% if you are a Preferred Rewards client (Click "Apply Now" to learn more about Preferred Rewards). You'll enjoy 0% intro APR for 12 billing cycles on purchases and for any balance transfers made in the first 60 days. After that, 13.24% - 23.24% variable APR on purchases and balance transfers. See Terms.

Click here to read our detailed review of BankAmericard Cash Rewards™ credit card.

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.

    Why we like it
    • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
    • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    Intro APR

    0% on purchases and balance transfers for 12 months

    Regular APR

    13.24%-23.24% Variable

    Annual Fee

    $95

    Credit Required

    Excellent
    APPLY NOWAt American Express' secure website

    Intro APR

    0% on purchases and balance transfers for 12 months

    Regular APR

    13.24%-23.24% Variable

    Annual Fee

    $95

    Credit Required

    Excellent
    Why we like it
    • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
    • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

Blue Cash Preferred® Card from American Express, a GET.com advertiser. Earn $150 back as statement credit when you make $1,000 in purchases with your new card within the first 3 months of card membership. Earn 6% cash back on up to $6,000 spent per year in purchases you make at U.S. supermarkets (then 1% cash back after you hit that cap). You also earn 10% cash back on purchases at Amazon.com in the first 6 months (when you apply by 1/11/2017), up to $200, earn 3% cash back on purchases from U.S. gas stations and select U.S. department stores. The rest of your eligible purchases earn 1% cash back. Terms and limitations apply. You will receive this ongoing cash back in the form of Reward Dollars. Benefit from a 0% intro APR on purchases and balance transfers for 12 months based on your creditworthiness and other factors. Terms and conditions apply. This card has a $95 annual fee, but if you use it as your primary spending card for everyday purchases, the cash back you could earn can make this a rewarding credit card.

Read our full review of Blue Cash Preferred® Card from American Express here.

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 3 months.

    Why we like it
    • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
    • Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S gas stations; 1% on other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    Intro APR

    0% on purchases and balance transfers for 12 months

    Regular APR

    13.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Excellent
    APPLY NOWAt American Express' secure website

    Intro APR

    0% on purchases and balance transfers for 12 months

    Regular APR

    13.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Excellent
    Why we like it
    • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
    • Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S gas stations; 1% on other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

Blue Cash Everyday® Card from American Express, a GET.com advertiser, is a cash back credit card with which you can earn 10% cash back on purchases made at Amazon.com in the first 6 months of cardmembership, up to $200, if you apply by 1/11/2017. Plus, earn $100 back after spending $1,000 in purchases on your new Card in your first 3 months. You'll receive this $100 back in the form of a statement credit. Earn 3% cash back at U.S. supermarkets (on up to $6,000 spent in purchases per year, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on your other purchases (terms and limitations apply). No enrollment is required to earn cash back and you will receive it in the form of Reward Dollars. Enjoy 0% intro APR on purchases and balance transfers for 12 months (after that there is a 13.24% - 23.24% variable APR on purchases and balance transfers, based on your creditworthiness as well as other factors). No annual fee. Terms and conditions apply.

Read our review of Blue Cash Everyday® Card from American Express.

Best Credit Cards For Travel

Hotel and airline credit cards not only let you earn points when you stay at a particular brand of hotel or fly on a particular airline, they also give you points on your everyday spending, which you can later use to redeem for air tickets or hotel stays.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®.

    Why we like it
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
    APPLY NOWAt Chase's secure website

    Regular APR

    16.24%-23.24% Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95

    Credit Required

    Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
    • 1:1 point transfer to leading airline and hotel loyalty programs.

    Regular APR

    16.24%-23.24% Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95

    Credit Required

    Excellent
    Why we like it
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
    APPLY NOWAt Chase's secure website
Chase Sapphire Preferred® Card lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®. Earn 5,000 bonus points after you add the first authorized user to your account and make a purchase, both within 3 months of account opening. Enjoy 1:1 point transfer to leading airline and hotel loyalty programas at full value. Get 20% off travel when you redeem your points for airfare, hotel stays, car rentals or cruise bookings through the Ultimate Rewards program. Earn 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases worldwide. This card has $0 foreign transaction fees. Chase Sapphire Preferred® Card has an introductory annual fee of $0 for the first year, then $95.

Read our Chase Sapphire Preferred® Card review here.

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel.

    Why we like it
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that

    Regular APR

    13.24% - 23.24% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good
    Why we like it
    • Earn unlimited 2X miles per dollar on every purchase, every day.
    We least like
    • No low introductory APR period.

    Regular APR

    13.24% - 23.24% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good
    Why we like it
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that

Capital One® Venture® Rewards Credit Card lets you earn a one time bonus of 40,000 miles (worth $400 in travel) when spending $3,000 on purchases within 3 months of approval as well as 2 miles per dollar spent on any purchase, which means that your mileage will increase twice as fast! Use your miles to travel whenever you want, with no blackout dates. There is a $0 intro annual fee for the first year; $59 after that!

Click here to read our detailed Capital One® Venture® Rewards Credit Card review.

  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases.

    Why we like it
    • 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
    • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 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
    • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%.
    APPLY NOWAt Bank of America's secure website
    or Call 800-335-4319 or Call 866-408-2765

    Intro APR

    0% Introductory APR for 12 billing cycles on purchases

    Regular APR

    15.24% - 23.24% Variable APR on purchases and balance transfers

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Bank of America's secure website
    or Call 800-335-4319 or Call 866-408-2765
    Why we like it
    • 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.

    Intro APR

    0% Introductory APR for 12 billing cycles on purchases

    Regular APR

    15.24% - 23.24% Variable APR on purchases and balance transfers

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • 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
    • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 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
    • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%.
    APPLY NOWAt Bank of America's secure website
    or Call 800-335-4319 or Call 866-408-2765

BankAmericard Travel Rewards® credit card could work for you if you like to earn points that can easily be redeemed towards travel purchases. Earn 20,000 online bonus points after you use your new credit card account to make at least $1,000 in purchases within 90 days of the account opening date. That can be a $200 statement credit towards travel purchases. This card lets you earn 1.5 unlimited points per 1 dollar spent on all purchases. If you are a Bank of America customer with an active Bank of America® checking or savings account, you will benefit from an additional 10% customer points bonus on every purchase. That bonus can increase to 25% - 75% if you're a Preferred Rewards client (click "Apply Now" to learn more about Preferred Rewards). There is no limit to the total amount of points you can earn, and points do not expire. Just book travel as you would normally, and then call or go online to redeem your points for a statement credit toward all or part of your travel purchases. Enjoy a 0% intro APR for 12 billing cycles on purchases, 15.24% - 23.24% variable APR thereafter. Make purchases outside of the US with no foreign transaction fees. No annual fee. See Terms.

Read our review of BankAmericard Travel Rewards® credit card.

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Portfolio after you make $2,500 in purchases within 4 months of account opening*

    Why we like it
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Portfolio after you make $2,500 in purchases within 4 months of account opening*
    • Earn 10 Hilton HHonors Bonus Points per $1 spent on hotel stays within the Hilton Portfolio*  
    • Earn 5 Hilton HHonors Bonus Points per $1 spent on airline and car rental purchases* 
    • Earn 3 Hilton HHonors Bonus Points per $1 spent on all other purchases* 
    • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
    • No foreign transaction fees on purchases*
    • Travel with ease and enjoy global acceptance with your Citi chip credit card
    APPLY NOWAt Citi's secure website

    Regular APR

    15.49% (Variable)

    Annual Fee

    $95

    Credit Required

    Excellent
    APPLY NOWAt Citi's secure website
    Why we like it
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Portfolio after you make $2,500 in purchases within 4 months of account opening*.
    We least like
    • No Introductory APR offer.

    Regular APR

    15.49% (Variable)

    Annual Fee

    $95

    Credit Required

    Excellent
    Why we like it
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Portfolio after you make $2,500 in purchases within 4 months of account opening*
    • Earn 10 Hilton HHonors Bonus Points per $1 spent on hotel stays within the Hilton Portfolio*  
    • Earn 5 Hilton HHonors Bonus Points per $1 spent on airline and car rental purchases* 
    • Earn 3 Hilton HHonors Bonus Points per $1 spent on all other purchases* 
    • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
    • No foreign transaction fees on purchases*
    • Travel with ease and enjoy global acceptance with your Citi chip credit card
    APPLY NOWAt Citi's secure website

Citi® Hilton HHonors™  Reserve Card lets you earn 2 weekend night certificates valid at select resorts and hotels in the Hilton Portfolio after you make $2,500 in purchases within the first 4 months of card membership. Earn 10 HHonors Bonus Points per dollar for hotel stays within the Hilton Portfolio and 5 HHonors Bonus Points for each $1 you spend on airline and car rental purchases. You will earn 3 HHonors Bonus Points per dollar on all your other eligible purchases. Enjoy travel benefits like no foreign transaction fees on purchases and chip technology. Enjoy HHonors Gold status for as long as you are a Citi® Hilton HHonors™  Reserve Card cardmember. This Hilton credit card has a $95 annual fee.

Read our full Citi® Hilton HHonors™  Reserve Card review here.

Best Credit Cards With 0% Balance Transfer

Got an existing credit card or store card debt? Consolidate all your high-interest debt by moving it to another card that offers 0% interest on balance transfers for a specific period of time so that you can pay off your existing debt interest-free during that period. All the 0% balance transfer cards below don't have any annual fee.

  • Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Why we like it
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    APPLY NOWAt Chase's secure website

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    13.24%-23.24% Variable APR

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    13.24%-23.24% Variable APR

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    APPLY NOWAt Chase's secure website

Chase Slate® is a balance transfer card that lets you transfer a balance within the first 60 days after account opening with a $0 intro balance transfer fee. After those 60 days are over, there is a 5% balance transfer fee on the amount transferred or a $5 minimum, whichever is greater. The majority of credit cards usually charge a 3-5% balance transfer fee right from the start, so this intro offer is a good benefit for those who need to transfer a balance. You will also enjoy a 0% introductory APR for 15 months on purchases and balance transfers. After that, there is a 13.24%-23.24% variable APR on purchases and balance transfers, based on your credit score. There is a $0 annual fee.

Find out more in our detailed review of Chase Slate® here.

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

    Why we like it
    • You could turn $200 into $400 with Cashback MatchTM. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases for 6 months and 0% on balance transfers for 18 months

    Regular APR

    11.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • You get a long introductory APR period for balance transfers.

    Intro APR

    0% on purchases for 6 months and 0% on balance transfers for 18 months

    Regular APR

    11.24% - 23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • You could turn $200 into $400 with Cashback MatchTM. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

Discover it® Cash Card - 18 Month Balance Transfer Offer has a longer intro period for balance transfers. For new sign-ups who apply, you get 0% introductory APR on balance transfers for 18 months. That means you can have up to 18 months to pay off your existing card debts at no interest. You still have to pay a balance transfer fee of 3% even though you pay no interest. This card also offers a 0% intro APR on purchases for the first 6 months of card membership (11.24% - 23.24% variable purchase APR thereafter). As it is also a rewards card, it lets you earn 5% cash back (up to a quarterly maximum) in categories that change each quarter when you sign up for 5% categories. On all your other purchases you will earn 1% cash back, giving you more savings on your spending. Offer for new cardmembers only: All the cash back you've earned will be matched automatically at the end of the first year.

Here's our review of Discover it® Cash Card - 18 Month Balance Transfer Offer.

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.

    Why we like it
    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% 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.
    APPLY NOWAt Citi's secure website

    Intro APR

    0%* intro APR on purchases* and balance transfers* for 21 months

    Regular APR

    13.24% - 23.24% (Variable)

    Annual Fee

    $0*

    Credit Required

    Excellent
    APPLY NOWAt Citi's secure website
    Why we like it
    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    We least like
    • No rewards program.

    Intro APR

    0%* intro APR on purchases* and balance transfers* for 21 months

    Regular APR

    13.24% - 23.24% (Variable)

    Annual Fee

    $0*

    Credit Required

    Excellent
    Why we like it
    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% 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.
    APPLY NOWAt Citi's secure website

Citi Simplicity® Card is one of our top rated 0% balance transfer cards as it offers one of the longest duration of 0% intro APR on purchases and balance transfers for 21 months. After this introductory period there will be a 13.24% - 23.24% variable APR. For each balance transfer, you pay just 3% of the amount you transfer as fees, or $5 minimum. Some credit cards charge up to 5% balance transfer fee. This card doesn't have any rewards program though.

Click here to read our detailed Citi Simplicity® Card review.

Best Credit Cards With Rewards And No Annual Fee (Including Travel)

Rewards credit cards let you earn points on your spending so that you can later redeem all those points for rewards ranging from free air tickets, hotel stays to merchandise, gift cards or even cash.

  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

    Why we like it
    • 0% intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
    • 1 ThankYou Point on other purchases
    • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
    APPLY NOWAt Citi's secure website

    Intro APR

    0%* on purchases and balance transfers for 15 months*

    Regular APR

    13.24% - 23.24%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Excellent
    APPLY NOWAt Citi's secure website
    Why we like it
    • 0% intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*.

    Intro APR

    0%* on purchases and balance transfers for 15 months*

    Regular APR

    13.24% - 23.24%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Excellent
    Why we like it
    • 0% intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
    • 1 ThankYou Point on other purchases
    • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
    APPLY NOWAt Citi's secure website

Citi ThankYou® Preferred Card is one of our top rated no-fee rewards card that rewards you on your spending. It gives you 2 points for each dollar spent dining at restaurants and on entertainment purchases as well as 1 point for every $1 you spend on all your other purchases. You can redeem your points for cash, gift cards, flights, hotels, merchandise, or even towards your student loans or mortgage.

Here's our Citi ThankYou® Preferred Card review.

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel.

    Why we like it
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire and there's no limit to how many you can earn

    Intro APR

    0% intro on purchases for 12 months

    Regular APR

    12.24% - 22.24% (Variable)

    Annual Fee

    $0 annual fee

    Credit Required

    Good
    Why we like it
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel.

    Intro APR

    0% intro on purchases for 12 months

    Regular APR

    12.24% - 22.24% (Variable)

    Annual Fee

    $0 annual fee

    Credit Required

    Good
    Why we like it
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire and there's no limit to how many you can earn

Capital One® VentureOne® Rewards Credit Card offers a one-time bonus of 20,000 miles after you spend $1,000 on purchases within the first 3 months of approval. These bonus miles are equal to $200 in travel! You will also earn 1.25 miles on every purchase you make, every day, and you can earn unlimited miles. There are no blackout dates when you redeem your miles for travel, and there are no foreign transaction fees when you make purchases in another currency or while you're abroad. Benefit from 0% intro on purchases for 12 months, then 12.24% - 22.24% (Variable). $0 annual fee.

Read our review of Capital One® VentureOne® Rewards Credit Card.

Best Credit Cards For Businesses With No Annual Fee

Are you an entrepreneur or a small business owner? Business credit cards are useful as they not only give you a line of credit for your business expenses, they also reward you when you spend on your card.

  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval.

    Why we like it
    • Earn 1.5 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
    • Miles don't expire, and there are no categories to limit where or what you buy
    • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • There's no limit to the amount of miles you can earn and miles don't expire
    • Fly on any airline, anytime, with no blackout dates or seat restrictions

    Intro APR

    0% on purchases for 9 months

    Regular APR

    13.24% - 21.24% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • Earn 1.5 miles per $1 on every purchase, every day.

    Intro APR

    0% on purchases for 9 months

    Regular APR

    13.24% - 21.24% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • Earn 1.5 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
    • Miles don't expire, and there are no categories to limit where or what you buy
    • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • There's no limit to the amount of miles you can earn and miles don't expire
    • Fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Spark® Miles Select for Business is a good business credit card for travel savings, as it gives you 1.5 miles for every dollar you spend on all your purchases, and offers a 0% intro APR on purchases for 9 months (after the intro period there is a standard 13.24% - 21.24% variable APR). You will also receive a one-time bonus of 20,000 miles if you spend $3,000 within the first 3 months of approval. There's no limit to the amount of miles you can earn, and your miles don't expire. You can get your miles whenever you want. You can get additional credit cards for your employees for free and set spending limits on them so that you can keep tabs on your employees. You also get $0 fraud liability protection if your card is lost or stolen, and a free itemized year-end summary. No foreign transaction fees or annual fees. This Capital One® Spark® Miles Select for Business card is ideal for new business owners.

Here is our Capital One® Spark® Miles Select for Business review.

Best Credit Cards For Students

Unlike debit cards, student credit cards can help you establish a credit history, and if you make purchases with it and pay your bills on time, you would build a good credit score over time, which is important when you find employment in the future or apply for loans. All the student cards below have no annual fee.

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.

    Why we like it
    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% intro APR* on purchases for 6 months

    Regular APR

    13.24% - 22.24% Variable*

    Annual Fee

    $0

    Credit Required

    Fair
    APPLY NOWAt Discover's secure website
    Why we like it
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    We least like
    • No 0% intro APR for balance transfers.

    Intro APR

    0% intro APR* on purchases for 6 months

    Regular APR

    13.24% - 22.24% Variable*

    Annual Fee

    $0

    Credit Required

    Fair
    Why we like it
    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
    • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

Discover it® for Students is an excellent choice of card for students as it gives you 5% cash back in quarterly rotating bonus categories (such as gas, restaurants, Amazon.com, etc.) on up to the quarterly maximum when you sign up for 5% cash back. You get automatic 1% cash back for every other purchase you make. Enjoy 0% intro APR on purchases for 6 months and 10.99% intro APR on balance transfers for the first 6 months (13.24% - 22.24% variable purchase APR thereafter). There is no limit to the total amount of cash back you can earn, and cash back doesn't expire. Receive $20 cash back each school year as a reward for your good grades when your GPA is 3.0 or higher.

Here's our Discover it® for Students review.

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.

    Why we like it
    • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
    • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
    • 1 ThankYou® Point on other purchases.
    • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
    APPLY NOWAt Citi's secure website

    Intro APR

    0% intro APR on purchases for 7 months

    Regular APR

    14.24% - 24.24%* (Variable)

    Annual Fee

    No annual fee

    Credit Required

    Good
    APPLY NOWAt Citi's secure website
    Why we like it
    • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
    We least like
    • No introductory APR offer on balance transfers.

    Intro APR

    0% intro APR on purchases for 7 months

    Regular APR

    14.24% - 24.24%* (Variable)

    Annual Fee

    No annual fee

    Credit Required

    Good
    Why we like it
    • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
    • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
    • 1 ThankYou® Point on other purchases.
    • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
    APPLY NOWAt Citi's secure website

Citi ThankYou® Preferred Card for College Students is our best rated student card for those who like earning rewards, as you can earn 2,500 bonus ThankYou points when you spend $500 in purchases within the first 3 months. Every dollar you spend dining at restaurants and on entertainment will earn you 2 points, and you'll earn 1 point for each dollar you spend on other purchases. You'll also enjoy 0% intro APR on purchases for 7 months, and a 14.24% - 24.24% variable APR thereafter.

Here is our detailed review of Citi ThankYou® Preferred Card for College Students.

Best Credit Cards For Repairing Credit

If you have a bad credit score or don't have any credit history, you can rebuild or establish your credit with a secured credit card, which is an actual credit card, not a prepaid debit card (debit cards do not help build credit). You can apply for it even with bad or no credit.

  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.

    Why we like it
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
    • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
    • No late fee on your first late payment. And paying late won't raise your APR.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    10.99% on balance transfers for 6 months

    Regular APR

    23.24% Variable

    Annual Fee

    $0

    Credit Required

    Fair
    APPLY NOWAt Discover's secure website
    Why we like it
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • No annual fee. No late fee on your first late payment. Paying late won't raise your APR.

    Intro APR

    10.99% on balance transfers for 6 months

    Regular APR

    23.24% Variable

    Annual Fee

    $0

    Credit Required

    Fair
    Why we like it
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
    • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
    • No late fee on your first late payment. And paying late won't raise your APR.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    APPLY NOWAt Discover's secure website

Discover it® Secured Credit Card - No Annual Fee is a solid secured credit card from Discover that lets you earn cash back on all you purchases. Earn 2% cash back at gas stations and restaurants, for the first $1,000 of combined purchases you make in these categories every quarter. You earn 1% cash back for other purchases you make. Discover automatically matches all the cash back you've earned at the end of your first year as a cardmember (for new cardmembers only). The security deposit you put down (minimum $200) establishes your line of credit, up to the amount Discover can approve. Discover reviews your creditworthiness monthly, starting at 7 months, to see if you are eligible to get your security deposit back while still enjoying all card benefits. Discover reports to the 3 biggest credit bureaus, so you can build or rebuild your credit if you use this card responsibly. Perks include free access to see your FICO® Credit Score online or on your monthly statements, access to Discover Deals, and the Freeze It® on/off switch which lets you prevent new purchases, cash advances and balance transfers on your misplaced or stolen card in moments by mobile or online (and unfreeze your account just as quickly). This card has 23.24% variable APR, which you can avoid by making your payments in full by the due date every monthly billing period. Benefit from no foreign transaction fee and a no annual fee.

Read our full review of Discover it® Secured Credit Card - No Annual Fee here.

  • No annual fee.

    Why we like it
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
    • Easily manage your account 24/7 with online access, by phone, or using our mobile app
    • It's a credit card accepted at millions of locations worldwide

    Regular APR

    24.99% (Variable)

    Annual Fee

    $0

    Credit Required

    Bad
    Why we like it
    • No annual fee.

    Regular APR

    24.99% (Variable)

    Annual Fee

    $0

    Credit Required

    Bad
    Why we like it
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
    • Easily manage your account 24/7 with online access, by phone, or using our mobile app
    • It's a credit card accepted at millions of locations worldwide

Capital One® Secured MasterCard® is our choice of credit card to get if you want to rebuild or build your credit. The minimum refundable security deposit is $49, $99 or $200 depending on your credit score. This minimum security deposit gives you a $200 credit line, but credit lines of up to $3,000 are available. You may get access to higher amounts of credit without increasing your deposit based on your creditworthiness and payment history. As this is an actual credit card, your payment information is reported to the 3 major US credit bureaus, so if you pay on time each month, your credit should improve. As long as you make your payments in full by the due date each month, you can avoid the 24.99% variable APR. No annual fee.

Here's our Capital One® Secured MasterCard® review.

How To Choose The Best Credit Card

On the outside, most credit cards look almost identical. A sliver of plastic, decorated with various logos and designs. You can usually tell if it's a Visa, MasterCard, Amex or Discover, but what does that really mean?

Here we list the most important things to consider when choosing a credit card:

1. What's The APR?

Credit cards provide a flexible payment solution, because you can buy the things you need even if you don't have immediately-available cash. If you don't pay off your credit card bill in full each month, you will have to pay the Annual Percentage Rate (APR).

You should always know exactly what your APR is. Different credit cards have different APRs, and most of them have a range of APRs (e.g: 12.99% - 22.99% APR) that depend on your creditworthiness. That means that if you have a better credit score you could end up paying less APR. The lower your APR, the less interest you will pay if you carry a balance. Some cards have a 0% intro APR period, these cards are good for big ticket purchases or balance transfers.

2. Does It Have A Low Introductory APR Period?

Some credit cards give you a special introductory period during which you have a lower APR, or even a 0% APR. Sometimes this intro period applies to balance transfers, sometimes to purchases, and sometimes both.

Cards with long introductory low balance transfer APR periods are very useful if you have a credit card balance that you would like to pay off. These cards are generally referred to as balance transfer credit cards. For example, if your card has an 18 month 0% intro APR on balance transfers, that would give you 18 months to pay off your debt, interest free. Make sure to pay off your debt in full before the 0% intro APR period ends, or you will have to pay the ongoing APR on the balance that you still haven't paid off.

If a credit card offers a 0% intro APR period for purchases, you can use the card to make purchases and avoid paying any interest on them during that time period. These low interest credit cards are useful if you plan to make a large purchase and pay it off during the intro period. Just remember to pay your balance off in full before the intro APR period ends to avoid paying the ongoing APR.

3. Can You Earn Rewards?

Many credit cards now offer rewards when you use them to make purchases. This is really like getting part of what you spend back, and you can save a lot of money by using a rewards credit card that lets you earn rewards that you really use. These rewards may be in the form of points, miles, or even cash back. Earning rewards is one of the biggest advantages of using a credit card.

Discover credit cards are good examples of solid rewards cards.

4. Does It Come With A Bonus Offer?

Many credit cards let you earn a bonus when you successfully apply. You will usually have to make a certain amount of purchases with your new card within a limited time after account opening.

But in some cases, you may only have to make a single purchase, add an authorized user, or fulfil some other requirement to get this bonus. Some cards let you earn several bonus offers, by fulfilling different requirements.

For example, Chase Sapphire Preferred® Card lets you earn 50,000 bonus points after spending $4,000 on purchases within the first 3 months after account opening. That bonus is worth $625 in travel when you redeem through Chase Ultimate Rewards®. You can earn 5,000 bonus points after you add the first authorized user and make a purchase within the first 3 months after account opening, so altogether you could earn 55,000 bonus points.

You can earn a lot of rewards just by taking advantage of these bonus offers. If the card has an annual fee, check if the bonus offer is large enough to make up for it. Many times issuers offer a bonus which is worth much more than the annual fee.

5. What Benefits Does It Offer?

Credit card companies often provide special benefits when you make purchases using their credit cards. Benefits may include travel insurance like trip cancellation/interruption insurance, baggage insurance and travel accident insurance.

Some cards also let you benefit from shopping perks like extended warranties, price protection (if you find a cheaper price somewhere else), return guarantee and purchase protection (get reimbursed if something you buy is damaged or stolen).

Some credit cards give customers of specific companies unique benefits. For example, United MileagePlus® Explorer Card lets you check your first bag and the first bag of a traveling companion on the same reservation for free (save up to $100 per round trip for standard bags) and enjoy priority boarding privileges. You also get two one-time-use passes to United Club airport lounges every year.

6. What Payment Network Does It Use?

No matter which bank your credit card is issued by, the payment network will determine where you can use it. For example, if you have a Visa credit card, you will only be able to use it at merchants or ATMs that accept Visa.

Both Visa and MasterCard have very large networks, and you will find merchants and banks that accept these cards in almost every country in the world. American Express and Discover are widely accepted in the US.

Each payment network also provides it's own set of benefits, like insurance coverage, discounts, hotel or dining privileges, or even concierge services. These perks make a nice addition to the benefits you get from the credit card issuer (bank or credit union).

Visa and MasterCard give you different levels of benefits depending on what type of card you have. Visa Signature gives you more benefits than a regular Visa card. World MasterCard gives you more perks than a regular MasterCard. Discover gives many of the same benefits to all cardholders. American Express perks vary from card to card.

7. What Fees Does It Charge?

Some credit cards have an annual fee, and you should carefully consider whether the benefits you get outweigh the fee you pay to use the card. Usually cards with an annual fee offer benefits that make paying that annual fee worth your while.

With some cards, the annual fee is waived if you make a certain amount of purchases with your card every year. Other cards have the annual fee waived for a certain period of time (usually a year).

A lot of good cards do not charge an annual fee, but still offer solid benefits. For example Chase Freedom® has no annual fee. And it's one of our best rated cash back credit cards.

Other fees you should look out for are foreign transactions fees (when you use your card to pay outside of the US), balance transfer fees and late payment fees. If you're looking for a travel credit card you should shoot for a no foreign transaction fee credit card to avoid paying fees when using your card abroad.

Chase Sapphire Preferred® Card is an example of a credit card that charges $0 on foreign transaction fees. Chase Slate® has a $0 introductory balance transfer fee for transfers you make during the first 60 days of account opening. That means you can avoid the 3% - 5% balance transfer fees that you pay with most cards.

Most cards charge you a late payment fee (usually $20 - $30) when you make a late payment. Discover it® Cashback Match™ doesn't charge you a late payment fee for your first late payment. This card does not have any overlimit fee, so unlike many other credit cards, you won't pay a fee when you go over your credit limit.

8. Choose The Right Card For Your Lifestyle

When choosing a credit card it's important to pick a card that will suit your spending. For example, if you spend most of your money on groceries and gas, you will want to look for a card that rewards you for those specific types of purchases. Or if you travel a lot you might prefer to get a card that lets you earn and redeem rewards for plane tickets or hotel stays.

Some credit cards reward you the same on all purchases, and others let you earn extra rewards (points, cash back, miles) on different types of spending. Some cards have rotating bonus categories that change every quarter (three months).

Apart from picking a card that lets you earn the most rewards for your lifestyle, you also want a card that lets you redeem those rewards for useful things. Some cards only let you redeem your rewards for specific things like flights from a specific airline, or gift cards and merchandise. Other cards (the most flexible ones) let you redeem your points for a lot of different things, and sometimes even for cold hard cash.

If you're not quite sure about the kind of rewards that are right for you, it may be a good idea to get a cash back credit card that lets you redeem your rewards for cold hard cash (real money). Because you can use that money to buy anything you want.

Not all cards offer rewards, some cards are especially made to transfer balances. If you're paying a crushing APR on your current cards and struggling to get rid of credit card debt, you can consolidate your debt in a single balance transfer card.

Balance transfer cards generally offer a 0% introductory APR on balance transfers for a certain period of time. For example, if your card comes with a 0% intro APR on balance transfers for 12 months, it means that you have a whole year to pay off your balance interest free. This is one of the best ways to get rid of credit card debt.

There are other cards that are specially made for students. Student cards generally help college students build their credit scores. Some of them even offer rewards and special perks.

If you own a business, you can save money by using a business credit card that offers rewards or cash back on your spending. Some of these cards even offer no-annual-fee employee cards.

As a general rule, it's a good idea to get a no-annual-fee card, unless the card offers benefits and rewards that make the fee worth it. Although there are some top tier cards with high annual fees that also come with benefits to match (like concierge services, travel insurance, car rental insurance, special access to events, etc).

The next thing to consider is the APR. Check if the card comes with a low intro APR (shoot for 0%) for a certain period of time. This is useful if you need to make a large purchase and pay it off little by little. Just make sure to pay off your purchase in full before the intro APR period ends or you will have to start paying the standard APR.

One of the most important things to remember when using a credit card is to pay your balance off in full before the due date. If you stick to this rule, you will benefit from everything that credit cards have to offer without falling into debt. Using a credit card responsibly is the best way to improve your credit score.

Your credit score affects your life significantly - an excellent credit score can open many doors (better chance of getting loans, a good job, renting a house or paying less for insurance), and a poor credit score can hinder your possibilities of employment or make you pay higher insurance premiums or higher interest rates on your credit cards.

To sum it up, when looking for a credit card, make sure to analyze your spending habits and choose a card that suits them. Sometimes it's a good idea to have several cards that reward you for different types of purchases. This way you can maximize your rewards. Always check the fees, the APR and the potential benefits that the card offers. It's a smart idea to get a card with no annual fee, then all rewards are pure savings. Your balance should always be paid off in full before the due date to avoid paying the APR.

How We Rate Credit Cards

At GET.com, we rate credit cards based on value for money. We look at rewards, benefits, bonus offers, introductory low APR periods, and flexibility (how and where the card can be used, how rewards can be redeemed, etc). We also look at the annual fee, standard APR, and other card fees. Our ratings are based on the value that we feel a card gives you compared to the potential cost of using the card.