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. Here, we also reveal the 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
Bonus Cash BackWells Fargo Cash Wise Visa® Card
Gas RewardsBank of America® Cash Rewards Credit Card
Airline MilesChase Sapphire Preferred® Card
Travel RewardsCapital One® Venture® Rewards Credit Card
Long Intro APR PeriodCiti Simplicity® Card - No Late Fees Ever
HotelIHG® Rewards Club Select Credit Card
BusinessCapital One® Spark® Miles Select for Business
StudentCiti ThankYou® Preferred Card for College Students
Repairing Bad CreditCapital One® Secured Mastercard®

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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Wells Fargo Cash Wise Visa<sup>®</sup> Card

Wells Fargo Cash Wise Visa® Card

APPLY NOWAt Wells Fargo's secure website
Wells Fargo Cash Wise Visa<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.80/5
  • Your Rating:
Rate This Card
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android PayTM, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% intro APR for 12 months on purchases and balance transfers

13.99%-25.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® Card lets you earn $200 cash rewards bonus after spending $1,000 in the first 3 months. During the first 12 months earn 1.8% cash rewards on Android PayTM or Apple Pay® mobile wallet purchases. This card also lets you earn an unlimited flat rate of 1.5% cash rewards on everyday purchases. As an extra perk, these cash rewards don't expire! You can get up to $600 protection on your cell phone (subject to $25 deductible) on covered damage or if your phone gets stolen if you pay your monthly phone bill with Wells Fargo Cash Wise Visa® Card. Enjoy 0% intro APR for 12 months on purchases and balance transfers and 13.99% - 25.99% variable APR thereafter; balance transfer fees apply. $0 annual fee.

Read our review of Wells Fargo Cash Wise Visa® Card.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Barclaycard CashForward™ World Mastercard<sup>®</sup>

Barclaycard CashForward™ World Mastercard®

APPLY NOWAt Barclaycard's secure website
Barclaycard CashForward™ World Mastercard<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
Rate This Card
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee
APPLY NOWAt Barclaycard's secure website

0% on purchases and balance transfers for 15 months (on balance transfers made within 45 days of account opening)

15.99%, 20.99% or 25.99% Variable

$0

Why we like it
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption.
Excellent

Barclaycard CashForward™ World Mastercard® lets you earn unlimited 1.5% cash rewards on every purchase. Cash back does not expire and there is no cap on the amount of spending you earn cash back for. This card has no annual fee and you can get a $200 cash rewards bonus after you spend $1,000 on purchases using your new card in the first 90 days after account opening. You get a 5% cash rewards redemption bonus to use toward your next redemption every time you redeem cash back. Benefit from 0% intro APR for 15 months on purchases and balance transfers made in the first 45 days after account opening, and 15.99%, 20.99% or 25.99% variable APR thereafter. You will pay balance transfer fees equal to 3% of each transaction with a $5 minimum fee.

Read our review of Barclaycard CashForward™ World Mastercard®.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Bank of America<sup>®</sup> Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

Bank of America<sup>®</sup> Cash Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • $150 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 wholesale clubs, and 3% on gas for 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, 13.99% - 23.99% 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%

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

13.99% - 23.99% Variable APR on purchases and balance transfers

No annual fee

Why we like it
  • $150 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 wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Bank of America® 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 $150 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. You'll enjoy 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. After that, 13.99% - 23.99% Variable APR.

Click here to read our detailed review of Bank of America® Cash Rewards credit card.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
Citi<sup>®</sup> Double Cash Card – 18 month BT offer
  • Our Rating:
  • Our Rating:
  • 4.75/5
  • Your Rating:
Rate This Card
  • 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 14.49% - 24.49% 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

0% Intro APR on Balance Transfers for 18 months

14.49% - 24.49%* (Variable)

$0*

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.
Excellent, Good

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 for 18 months on Balance Transfers. After the intro period is over, the regular 14.49% - 24.49% 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
Chase Freedom Unlimited<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.90/5
  • User Rating:
  • 3.00/5
Rate This Card
  • 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
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
APPLY NOWAt Chase's secure website

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

15.99%-24.74% Variable

$0

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.
Excellent/Good

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, there is a 15.99% - 24.74% variable APR. 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
Chase Freedom<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.85/5
  • User Rating:
  • 3.00/5
Rate This Card
  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
APPLY NOWAt Chase's secure website

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

15.99%-24.74% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
We least like
  • 5% cash back on combined purchases in bonus categories capped at $1,500 per quarter.
  • Has foreign transaction fees.
Excellent/Good

Chase Freedom® is a solid cash back card for those who like earning in different categories as it lets you earn 5% cash back in quarterly changing categories (you need to activate each quarter), up to $1,500 in combined purchases each quarter. On all other purchases you earn an unlimited 1% cash back. Cash back rewards do not expire. The card has a good bonus for new cardmembers: Earn a $150 Bonus after you spend $500 on purchases within the first 3 months of account opening, and a $25 Bonus after you make a purchase and add an authorized user in this same 3-month period. Chase Freedom® offers 0% intro APR for 15 months for purchases and balance transfers, 15.99% - 24.74% variable APR thereafter. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. No annual fee.

Here's our Chase Freedom® review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Blue Cash Everyday<sup>®</sup> Card from American Express

Blue Cash Everyday® Card from American Express

APPLY NOWAt American Express' secure website
Blue Cash Everyday<sup>®</sup> Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
Rate This Card
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% for 15 months on Purchases and Balance Transfers

13.99%-24.99% Variable

$0

Excellent, Good

Blue Cash Everyday® Card from American Express, a GET.com advertiser, is a cash back credit card with which you can earn $150 back after spending $1,000 in purchases on your new Card in your first 3 months. You'll receive this $150 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 1% cash back on your other purchases. 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 15 months (after that there is a 13.99% - 24.99% variable APR on purchases and balance transfers, based on your creditworthiness as well as other factors). No annual fee. Terms apply.

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

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

APPLY NOWAt American Express' secure website
Blue Cash Preferred<sup>®</sup> Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% for 12 months on purchases and balance transfers

13.99%-24.99% Variable

$95

Excellent/Good

Blue Cash Preferred® Card from American Express, a GET.com advertiser. Earn $200 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 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. You will receive this ongoing cash back in the form of Reward Dollars. Enjoy a 0% intro APR for 12 months on purchases and balance transfers with a 13.99% - 24.99% variable APR after that. 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. Terms apply.

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

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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
Chase Sapphire Preferred<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • User Rating:
  • 5.00/5
Rate This Card
  • 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®
  • 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

N/A

16.99% - 23.99% Variable

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

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.
Excellent Credit

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 25% more value 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.70/5
  • User Rating:
  • 3.00/5
Rate This Card
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, 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 won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today

N/A

13.99% - 23.99% (Variable)

$0 intro for first year; $59 after that

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

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 from account opening 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.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Bank of America<sup>®</sup> Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

Bank of America<sup>®</sup> Travel Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • User Rating:
  • 5.00/5
Rate This Card
  • 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
  • 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 15.99% - 23.99% 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%.

0% Introductory APR for 12 billing cycles for purchases

15.99% - 23.99% Variable APR

$0

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.
Excellent/Good

Bank of America® 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. 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. Make purchases outside of the US with no foreign transaction fees. No annual fee.

Read our review of Bank of America® Travel Rewards credit card.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
Rate This Card
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

0% intro on purchases for 12 months

12.99% - 22.99% (Variable)

$0

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 from account opening, equal to $200 in travel.
Excellent, Good

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 from account opening. 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 APR on purchases for 12 months, then a 12.99% - 22.99% variable APR. $0 annual fee.

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

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Best Credit Cards For Hotels

If you stay at hotels often while traveling, then having a hotel card is a great way to save money and also benefit from the perks and privileges they have to offer.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
IHG<sup>®</sup> Rewards Club Select Credit Card

IHG® Rewards Club Select Credit Card

APPLY NOWAt Chase's secure website
IHG<sup>®</sup> Rewards Club Select Credit Card
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • User Rating:
  • 4.00/5
Rate This Card
  • Earn 80,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year
APPLY NOWAt Chase's secure website

N/A

16.99% - 23.99% Variable

$0 Intro for the First Year, then $49

Why we like it
  • Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide.
Excellent/Good

IHG® Rewards Club Select Credit Card now lets you earn 80,000 bonus points after you spend just $1,000 within the first 3 months after opening your account. Receive an Free Night every account anniversary year. You can redeem this night at over 5,200 hotels anywhere in the world, just be sure to opt in to receive IHG® Rewards Club e-communications in order to receive communications regarding your Anniversary Free Night. Earn 5 points for each $1 spent at IHG hotels and 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants. You also earn 1 point for each $1 spent on other purchases, so just using this card for your purchases will help you get hotel nights. You get automatic platinum elite status for as long as you remain a Select credit cardmember, which is a big plus. This card also has no foreign transaction fees. There is a $0 introductory annual fee the first year, then $49.

Read our IHG® Rewards Club Select Credit Card review here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Limited time offer expires 10/4/2017
Hilton Honors™ Surpass<sup>®</sup> Card from American Express

Hilton Honors™ Surpass® Card from American Express

Limited time offer expires 10/4/2017
APPLY NOWAt American Express' secure website
Hilton Honors™ Surpass<sup>®</sup> Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
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  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer expires on 10/4/2017.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

16.24%-20.24% Variable

$75

Why we like it
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Excellent/Good

Hilton Honors™ Surpass® Card from American Express, a GET.com advertiser, has a great limited time offer in which you can earn 100,000 Hilton Honors™ Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership. You can also earn a free weekend night award after your first anniversary of Card Membership. This limited time offer expires on 10/4/2017. This card lets you earn points fast since you can earn 12X Hilton Honors Bonus Points for every $1 of eligible purchases charged to your Card directly with a participating hotel or resort within the Hilton portfolio, 6X Hilton Honors Bonus Points for each $1 of eligible purchases at U.S. gas stations, U.S. restaurants and U.S. supermarkets charged to your Card, and 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. You get Hilton Honors Gold status automatically as a card holder, which entitles you to many special privileges and a 25% bonus on all the Honors Base Points you earn. If you charge $40,000 on eligible purchases on your Card in a calendar year, you can earn Honors Diamond status through the end of the next calendar year, which gives you additional privileges and a 50% bonus on all the Honors Base Points you earn. Terms apply. This card has a $75 annual fee.

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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
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  • 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 14.99% - 24.99% 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

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

14.99% - 24.99% (Variable)

$0*

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 14.99% - 24.99% based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good

Citi Simplicity® Card - No Late Fees Ever 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 14.99% - 24.99% 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 - No Late Fees Ever 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi ThankYou<sup>®</sup> Preferred Card

Citi ThankYou® Preferred Card

APPLY NOWAt Citi's secure website
Citi ThankYou<sup>®</sup> Preferred Card
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
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  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.49% - 24.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
APPLY NOWAt Citi's secure website

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

14.49% - 24.49%* (Variable)

$0*

Excellent

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

Here's our Citi ThankYou® Preferred Card review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
GM BuyPower Card from Capital One<sup>®</sup>

GM BuyPower Card from Capital One®

GM BuyPower Card from Capital One<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.25/5
  • Your Rating:
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  • Earn $250 after spending $5,000 each year (5% Earnings).
  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.90% - 23.90% variable APR on purchases will apply

0% on purchases for 12 months

13.90% - 23.90% (V)

$0

Excellent/Good

GM BuyPower Card from Capital One® is a great card for earning rewards fast! Earn up to $250 after spending $5,000 each year (5% Earnings on the first $5,000 you spend annually), on every purchase after that you also get unlimited 2% Earnings! You can redeem these Earnings when you buy or lease a new Chevrolet, Buick, GMC or Cadillac. Your Earnings never expire and have no redemption limit. This card has a 0% intro APR on purchases for 12 months, after that, a 13.90% - 23.90% variable APR will apply. There are no foreign transaction fees and no annual fee.

Read our review of GM BuyPower Card from Capital One®.

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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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business
  • Our Rating:
  • Our Rating:
  • 4.20/5
  • Your Rating:
Rate This Card
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • 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 from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% 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
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% intro on purchases for 9 months

13.99% - 21.99% (Variable)

$0

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

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 13.99% - 21.99% variable APR). You will also receive a one-time bonus of 20,000 miles if you spend $3,000 within the first 3 months from account opening. 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 and no annual fee. 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.

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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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi ThankYou<sup>®</sup> Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

APPLY NOWAt Citi's secure website
Citi ThankYou<sup>®</sup> Preferred Card for College Students
  • Our Rating:
  • Our Rating:
  • 4.00/5
  • Your Rating:
Rate This Card
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
APPLY NOWAt Citi's secure website

0% intro APR for 7 months on Purchases*

15.49% - 25.49%* (Variable)

No annual fee

Why we like it
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*.
We least like
  • No introductory APR offer on balance transfers.
Good

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 points when you spend $500 in purchases within the first 3 months of account opening. Every dollar you spend dining at restaurants and on entertainment will earn you 2x points, and you'll earn 1x point for each dollar you spend on other purchases. You'll also enjoy 0% intro APR on purchases for 7 months, and a 15.49% - 25.49% 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Secured Mastercard<sup>®</sup>

Capital One® Secured Mastercard®

Capital One<sup>®</sup> Secured Mastercard<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 3.50/5
  • Your Rating:
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  • 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

N/A

24.99% (Variable)

$0

Why we like it
  • No annual fee, and all the credit building benefits with responsible card use.
Limited, Bad

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, but what does that really mean?

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

  1. 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. 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. 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.

  4. 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. 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).

  6. 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 is 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. American Express perks vary from card to card.

  7. 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.

  8. 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.