The search for the best credit cards in the U.S. is over. After meticulously researching hundreds of credit card offers in the market, we at GET.com have put together a selection of 10 best credit cards that are excellent for cash back, rewards, 0% balance transfers, travel, business, and hotel. All cards come with different pros and cons, hence we recommend that you get more than one type of card in order to maximize rewards on your different types of spending. For example, if you're looking for a 0% balance transfer card to transfer your existing balance, you should get a good balance transfer card just to pay off your balance, and use other rewards cards for your other spending. Read on to see the top 10 credit cards in the U.S. this season:

10 Best Credit Cards - GET.com's Picks

Best ForCredit Card
TravelGold Delta SkyMiles® Credit Card from American Express
Cash BackChase Freedom Unlimited℠
Signing BonusChase Sapphire Preferred® Card
Travel With BonusBankAmericard Travel Rewards® Credit Card
Airline BonusBritish Airways Visa Signature® Card
Low Interest Balance TransfersCiti Simplicity® Card - No Late Fees Ever
Hotel Rewards CardHilton Honors™ Card from American Express
BusinessCapital One® Spark® Cash for Business
MilesCapital One® Venture® Rewards Credit Card
Cash RewardsBankAmericard Cash Rewards™ Credit Card

Best Flat-Rate Travel Card: Gold Delta SkyMiles® Credit Card from American Express

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Gold Delta SkyMiles<sup>®</sup> Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

APPLY NOWAt American Express' secure website
Gold Delta SkyMiles<sup>®</sup> Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • User Rating:
  • 2.00/5
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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

16.49%-25.49% Variable

$0 intro annual fee for the first year, then $95

Why we like it
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Excellent/Good
Gold Delta SkyMiles® Credit Card from American Express is a great travel card that lets you earn 2 miles per dollar spent on all your Delta purchases and 1 mile for every dollar you spend on other eligible purchases. You get to check your first bag for free on every Delta flight and you also get to enjoy Priority boarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within the first 3 months, and after you make a Delta purchase with this Card within the first 3 months of Card Membership get a $50 statement credit. $0 intro annual fee for the first year, then $95. Terms and Conditions apply. Read our review of Gold Delta SkyMiles® Credit Card from American Express.

Best Cash Back Card: Chase Freedom Unlimited℠

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

APPLY NOWAt Chase's secure website
Chase Freedom Unlimited℠
  • Our Rating:
  • Our Rating:
  • 4.90/5
  • User Rating:
  • 3.00/5
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  • 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 15.74-24.49%. 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

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

15.74% - 24.49% 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 many benefits and great cash back. Earn a $150 Bonus after spending just $500 on purchases within the first 3 months of account opening. Earn unlimited 1.5% cash back on every purchase automatically. No annual fee. Your cash back rewards do not expire while your account is open, and you enjoy a 0% intro APR for 15 months from account opening on purchases and balance transfers, 15.74% - 24.49% variable APR thereafter. You pay a balance transfer fee (either $5 or 5% of the amount of each transfer, whichever is greater). Here's our Chase Freedom Unlimited℠ review.

Best Signup Bonus: Chase Sapphire Preferred® Card

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
  • Your Rating:
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  • 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

N/A

16.74% - 23.74% 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®. You can also earn 5,000 bonus points after adding your first authorized user and making a purchase within the first 3 months from opening your account. Earn 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases worldwide. Here's our Chase Sapphire Preferred® Card review. There is an intro annual fee of $0 for the first year, then $95.

Best Travel Rewards With No Annual Fee: BankAmericard Travel Rewards® Credit Card

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

BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards<sup>®</sup> Credit Card
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
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  • 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 15.74% - 23.74% 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

15.74% - 23.74% 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
BankAmericard Travel Rewards® credit card is a pretty cool card that lets you earn 1.5 unlimited points for every $1 you spend on all purchases. New signups can earn 20,000 online bonus points after spending at least $1,000 in purchases within the first 90 days of account opening. These points can be a $200 statement credit towards travel purchases. To use your points toward travel, just book as usual and then go online or call to redeem your points for a statement credit toward all or part of your travel purchases. Redeem points for different types of travel purchases with no blackout dates. If you are already a Bank of America customer (with an active checking or savings account), you can earn an additional 10% customer points bonus on every purchase and you can increase that bonus to 25%-75% by becoming a Preferred Rewards client (click "Apply Now" for more on Preferred Rewards). Points don't expire and there is no limit to the number of points you can earn. Here's our BankAmericard Travel Rewards® credit card review. This card has no foreign transaction fee and no annual fee.

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Best Airline Bonus Card: British Airways Visa Signature® Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
British Airways Visa Signature<sup>®</sup> Card

British Airways Visa Signature® Card

APPLY NOWAt Chase's secure website
British Airways Visa Signature<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
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  • Earn up to 100,000 bonus Avios: 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening, plus an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year from account opening, and 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening.
  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening.
  • Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year from account opening for a total of 75,000 bonus Avios.
  • Earn a further 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening for a total of 100,000 bonus Avios.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
APPLY NOWAt Chase's secure website

N/A

16.74% - 23.74% Variable

$95

Why we like it
  • Pay no foreign transaction fees when you travel abroad.
  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening.
Excellent Credit
British Airways Visa Signature® Card lets you earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. After you spend $10,000 total on purchases within your first year from account opening you can earn an additional 25,000 bonus Avios for a total of 75,000 bonus Avios. You can earn a further 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening for a total of 100,000 bonus Avios. Earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases. When traveling abroad you will pay no foreign transaction fees. You'll also earn a Travel Together Ticket good for two years each calendar year that you make $30,000 in purchases on your card. This card comes with Chip technology and you don't have to pay foreign transaction fees when you make purchases abroad. $95 annual fee.

Read our review of British Airways Visa Signature® Card.

Low Interest Balance Transfers: Citi Simplicity® Card - No Late Fees Ever

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:
Rate This Card
  • 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 14.24% - 24.24% 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

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

14.24% - 24.24% (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 14.24% - 24.24% based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good
Citi Simplicity® Card - No Late Fees Ever, a partner card, is one of our best-rated balance transfer cards. One of this card's main benefits is that it offers a very long introductory low APR period for balance transfers. You get 0% intro APR on purchases and balance transfers for 21 months. After the intro period there is a 14.24% - 24.24% variable APR for purchases and balance transfers, based on your creditworthiness. There is no annual fee. Find out more in our Citi Simplicity® Card - No Late Fees Ever review here.

Best Hotel Rewards Card: Hilton Honors™ Card from American Express

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Hilton Honors™ Card from American Express

Hilton Honors™ Card from American Express

APPLY NOWAt American Express' secure website
Hilton Honors™ Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
Rate This Card
  • Limited Time Offer: Earn 80,000 Hilton HonorsTM Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership. Offer ends 05/31/2017.
  • Earn 7X 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 5X 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. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HonorsTM Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.99%-19.99% Variable

$0

Why we like it
  • Enjoy complimentary Silver status with your Hilton HonorsTM Card.
  • Earn 5X 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™ Card from American Express, a GET.com advertiser. With this card you get a limited time bonus offer of 80,000 Hilton Honors™ Bonus Points after you charge purchases worth $2,000 or more to this Card in your first 3 months of owning this card, offer ends 05/31/2017. Earn 7X Hilton Honors Bonus Points for each $1 of eligible purchases made directly with participating hotels or resorts within the Hilton Portfolio and charged to your Card when you use this card to pay for purchases. You also earn 5X Hilton Honors Bonus Points for every dollar spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3 Hilton Honors Bonus Points per $1 for every other eligible purchase you charge to this Card. If you are a Hilton Honors™ Card member, enjoy complimentary Silver status. Spend $20,000 on eligible purchases using your Card in one calendar year and you can enjoy Honors Gold status right through the end of the next calendar year. Benefits include complimentary travel accident insurance, a baggage insurance plan, return protection and car rental loss and damage insurance. Terms Apply. This card has no annual fee.

Best Business Credit Card: Capital One® Spark® Cash for Business

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

Capital One® Spark® Cash for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval.
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

N/A

17.74% (Variable)

$0 intro for first year; $59 after that

Why we like it
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business.
Excellent, Good

Capital One® Spark® Cash for Business lets you earn a one-time $500 cash bonus after spending $4,500 on purchases with this card within 3 months of approval. This bonus offer is very rewarding, and so is the unlimited 2% cash back that you earn on every purchase you make, every day. This flat-rate cash back makes it really easy to calculate your rewards and you won't have to worry about changing categories or spending caps. For example, if you spend $100,000 on this card on your yearly business purchases, then you earn $2,000 cash back. Another very useful perk is that your cash rewards don't expire, and you can redeem them in different ways. There are no foreign transaction fees, and you can get free employee cards. This card also comes with Spark privileges like a $0 fraud liability policy, purchase security and extended protection, downloadable purchase records (including QuickBooksTM Quicken®, Excel®), and quarterly and year-end summaries. There is a $0 intro annual fee for the first year, $59 after that, but depending on your spending, the cash back you earn can more than compensate.

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Best Air Miles Card: Capital One® Venture® Rewards Credit Card

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
  • Your Rating:
Rate This Card
  • 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
  • Limited Time Offer: Get a metal Venture Card when you apply today

N/A

13.74% - 23.74% (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 after spending $3,000 on purchases within 3 months of approval. These 40,000 bonus miles are worth $400 in travel. You earn 2 miles for every $1 spent on purchases, so you earn miles really quickly. Miles don't expire and there is no limit to the amount you can earn. You'll be able to fly anytime, on any airline, with no blackout dates. This card has no foreign transaction fees. Here's our Capital One® Venture® Rewards Credit Card review. Capital One® Venture® Rewards Credit Card has $0 intro annual fee for the first year; $59 after that.

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Best Cash Rewards Credit Card: BankAmericard Cash Rewards™ Credit Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 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 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, 13.74% - 23.74% 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

13.74% - 23.74% Variable APR

No annual fee

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 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.
Excellent/Good
BankAmericard Cash Rewards™ credit card has a combination of high cash back for gas and grocery store spending with no annual fee. This card lets you earn 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs on the first $2,500 you spend on combined grocery store, wholesale clubs and gas purchases every quarter. You will earn 1% cash back on all other purchases. Earn a $100 online cash rewards bonus after you make at least $500 in purchases in the first 90 days of opening your account. No need to enroll in a rewards program in order to earn cash back, no changing categories. Cash back never expires. Redeem cash back as a statement credit or get a 10% customer bonus by redeeming 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%. There is a 0% intro APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then 13.74% - 23.74% variable APR. (See terms and conditions for more information). Here is our BankAmericard Cash Rewards™ credit card review.

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So there you go - our top 10 credit card deals of 2017. You can also take a look at our full selection of the best credit cards or use our tool to compare credit cards.

What Does A Credit Card Offer?

Most of us think of a credit card as a way to make payments without carrying around a lot of cash. Credit cards do serve this purpose well and are often a safer and more hassle-free alternative than dealing with cash.

Using credit cards to make payments on credit and get easy loans is also popular, though not recommended unless you make your payments in full on time.

Those basics are good and well, but credit cards have come a long way since. There are many benefits that you enjoy when you use the right credit card to pay for purchases. We at GET.com have listed some of the key benefits here:

Online Payments

The internet is loaded with some of the best deals you will find anywhere. Even if you prefer shopping in brick and mortar shops, from time to time you will probably want something that is not available in stores near you. Finding cheap deal on flights and hotels is also easier to do online. Using a credit card is one of the easiest ways to pay for online purchases.

Building Credit

The US runs on credit, and even if you pay everything up front, it's difficult to get around without a good credit history. Even if you save up and pay for your car and house up front, you will usually need a good credit score in order to get a phone or electricity contract. Using a credit card to pay for at least some of your purchases, and then making your credit card payments on time (ideally in full) is one of the easiest ways to build good credit.

Saving Money

Many popular credit cards now let you earn rewards for at least some of the purchases you charge to your card. Depending on how you want to save, you can choose from cards that let you earn store rewards, airline miles, cash back, and points that you can redeem for merchandise, hotel stays, and even gift cards.

If you use a no annual fee credit card, these rewards are pretty much straight savings. Payment networks like Visa and MasterCard also let you get automatic discounts when you pay for purchases at their partner merchants.

Security

Your liability for fraudulent transaction on your credit card is limited to $50. Many credit card companies offer $0 liability for fraudulent transactions, so as long as you report a lost or stolen card in a timely manner, you won't have to pay for any stolen money.

Benefits

Probably the best argument for using a credit card to pay for purchases is that many credit cards give you added value in the form of benefits. For example, when you use the right card to pay for a travel purchase, you could get complimentary travel insurance.

Complimentary auto rental insurance is also a common benefit. Perks like purchase protection which covers your purchases against theft or accidental damage, and price protection (lets you get reimbursed for the if you find an item you purchased for a lower price) are examples of shopping benefits you can get with some cards.

Other possible benefits you can get, depending on the card you use, are VIP privileges at hotels, airlines, shops and restaurants.

There are many other benefits that you can get from using credit cards. Even if you prefer using cash and avoid credit like the plague, you should consider using a card to pay for certain purchases in order to take advantage of benefits and savings.

How We Rate Credit Cards

Cards are rated by GET.com's staff based on the added value they offer in relation to card fees. We place a strong emphasis on bonus offers and rewards, and also take benefits like travel and purchase insurance, discounts, unique card benefits, card fee waivers and introductory APR periods into account.

We also rate cards based on their flexibility and usability both in the US and internationally. Potential card fees that we take into account include annual fees, penalty fees, foreign transaction fees, purchase and balance transfer APRs and penalty APR. Through careful research we strive to provide a clear summary of benefits and disadvantages in our ratings.