Finding the best credit card for your needs can be daunting. Here we've compiled a list of some of our favourite partner credit cards that are excellent for cash back, rewards, 0% balance transfers, travel, business, and hotels.

All cards come with different pros and cons, and the cards on this list might not be the best for your individual needs. You can use our credit card comparison tool to get a more detailed comparison of credit cards based on your needs and spending. We also recommend that you get more than one type of card in order to maximize rewards on your different types of spending.

10 Best Credit Cards - GET.com's Picks

Best ForCredit Card
Gas & GroceriesBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
TravelCapital One® Venture® Rewards Credit Card
RestaurantsCapital One® SavorOne® Cash Rewards Credit Card
Unlimited Cash BackChase Freedom Unlimited®
Balance TransfersBankAmericard® credit card
$300 Cash BonusCapital One® Savor® Cash Rewards Credit Card
MilesChase Sapphire Preferred® Card
5% Cash Back Rotating CategoriesChase Freedom®
$0 Annual FeeCapital One® VentureOne® Rewards Credit Card
Hotel RewardsHilton Honors American Express Surpass® Card
BusinessCapital One® Spark® Cash for Business

Best For Unlimited Cash Back: Chase Freedom Unlimited®

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

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
APPLY NOWAt Chase's secure website

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

16.74% - 25.49% Variable

$0

Why we like it
  • 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 a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, earn unlimited 1.5% cash back on all the purchases you make automatically (no quarterly activation necessary). This cash back card has no annual fee and has a 0% intro APR for 15 months from account opening on purchases and balance transfers, after that a regular 16.74% - 25.49% variable APR will apply. The introductory period is one of the reasons this is a good card to transfer your credit card debt onto, so if you want you can pay it off during that intro low-APR period. Just as a reminder there is an intro balance transfer fee of 3% when you transfer during the first 60 days of account opening, with a minimum of $5. After that, either $5 or 5% of the amount of each transfer, whichever is greater.. Check out our full review of Chase Freedom Unlimited® here.

Best Card For Gas & Groceries: Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards credit card - $200 Cash Rewards Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

APPLY NOWAt Bank of America's secure website
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days

15.74% - 25.74% Variable APR

$0

Why we like it
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer has no annual fee and you will get a $200 online cash rewards bonus if you make at least $1,000 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 your choice category (choose between gas, online shopping, dining, travel, drug stores, or home improvement /furnishings) on the first $2,500 you spend in combined grocery store, wholesale clubs and your choice category each quarter. You can update your choice category for future purchases once each calendar month or leave it the same. 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 earn your cash back. 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. If you're a Preferred Rewards client you can increase that bonus amount to 25%-75%. Preferred Rewards has 3 tiers, your tier will be based on the combined balances in your Bank of America® banking and/or Merrill Edge® and Merrill® investing and trading accounts. As your qualifying balances grow, you'll see your benefits grow too. Once you've enrolled, you automatically get moved up once your balances qualify you for the next rewards tier.

Read our review of Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer.

Best Travel Card: Capital One® Venture® Rewards Credit Card

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

Capital One® Venture® Rewards Credit Card

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

N/A

17.49% - 24.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture.
We least like
  • No low introductory APR period.
Excellent, Good

Capital One® Venture® Rewards Credit Card lets you earn a one-time bonus of 50,000 miles after spending $3,000 on purchases within 3 months from account opening. These 50,000 bonus miles are worth $500 in travel. You earn 2X miles for every $1 spent on purchases and earn 10X miles on thousands of hotels through January 2020, 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; $95 after that.

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Best For Restaurants: Capital One® SavorOne® Cash Rewards Credit Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> SavorOne<sup>®</sup> Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

15.74% - 25.74% (Variable)

$0

Excellent, Good

Capital One® SavorOne® Cash Rewards Credit Card lets you start earning cash back from the very start with a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. This is an excellent card for those who enjoy eating out regularly since you earn unlimited 3% cash back on dining and entertainment. You also earn 2% at grocery stores and 1% on all your other purchases. These are great categories to earn cash back on since you can make day to day purchases on your card while earning cash back that won't expire! This $0 annual fee card also offers a 0% intro APR on purchases and balance transfers for 15 months (15.74% - 25.74% variable APR after that) and no foreign transaction fees.

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Best For Balance Transfers: BankAmericard® credit card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
BankAmericard<sup>®</sup> credit card

BankAmericard® credit card

APPLY NOWAt Bank of America's secure website
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days

14.74% - 24.74% Variable APR

$0

Excellent/Good

BankAmericard® credit card is the card to get if you want a 0% intro APR on qualifying balance transfers for a longer period of time. You'll enjoy 0% intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, there is a 14.74% - 24.74% variable APR. Enjoy a balance transfer fee of 3% of the amount of each transaction or $10, whichever is greater. This card also comes with $0 Liability Guarantee so you won't be responsible for fraudulent purchases made with your card. Chip technology provides enhanced security when you use your card at chip-enabled terminals. You also get to access your FICO® Score for free online or on your Mobile Banking app. No annual fee.

Best Bonus Offer: Capital One® Savor® Cash Rewards Credit Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Savor<sup>®</sup> Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

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

N/A

16.24% - 25.24% (Variable)

$0 intro for first year; $95 after that

Excellent, Good

Capital One® Savor® Cash Rewards Credit Card has an excellent one time $300 cash bonus that you receive after you spend $3000 on purchases within the first 3 months of card ownership. Earn unlimited 4% cash back on entertainment and dining, 2% on purchases at grocery stores and 1% on all other purchases you make. Additionally, earn 8% cash back on tickets at Vivid Seats through May 2020. The cash back you earn won't expire for as long as your account is open and there is no limit to how much you can earn. No sign-ups needed to earn your cash rewards. As a Capital One cardholder you will also get access to premium experiences in entertainment, dining and more. There is a $0 intro annual fee for the first year, $95 after that.

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Best Miles Card: Chase Sapphire Preferred® Card

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

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
APPLY NOWAt Chase's secure website

N/A

17.74% - 24.74% Variable

$95

Why we like it
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Excellent/Good

Chase Sapphire Preferred® Card lets you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 in travel when you redeem through Chase Ultimate Rewards®. 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 a $95 annual fee.

Best for 5% Cash Back Rotating Categories: Chase Freedom®

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

Chase Freedom®

APPLY NOWAt Chase's secure website
  • 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!
  • 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 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
APPLY NOWAt Chase's secure website

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

16.74% - 25.49% 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 - it's automatic.
Excellent/Good

Chase Freedom® is a rewarding cash back credit card that comes with no annual fee. Earn 5% cash back on up to $1,500 of combined purchases you make in bonus categories each quarter, these 5% cash back categories change every 3 months. Earn unlimited 1% cash back on every other purchase. As a welcome offer earn a $150 bonus after spending $500 on purchases within your first 3 months after account opening. There is a 0% intro APR for 15 months for purchases and balance transfers (balance transfer fee is 3% (min. $5) when you transfer during the first 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater), with a 16.74% - 25.49% variable APR for balance transfers and purchases after that. Read our full Chase Freedom® review to find out more.

Best For $0 Annual Fee: Capital One® VentureOne® Rewards Credit Card

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

Capital One® VentureOne® Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

0% intro on purchases for 12 months

13.74% - 23.74% (Variable)

$0

Why we like it
  • Earn 1.25X miles on every purchase, every day.
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
Excellent, Good

Capital One® VentureOne® Rewards Credit Card is a $0 annual fee that lets you earn 20,000 bonus miles after you spend $1,000 on purchases within the 3 months from account opening - this can be redeemed as $200 in travel. Earn 1.25X miles per dollar on every purchase and an additional 10X miles on thousands of hotels through January 2020 (learn more at hotels.com/venture). The miles you earn won't expire as long as your account is open and in good standing and there is no limit to the amount you can earn. Benefit from a 0% intro APR on purchases for 12 months with 13.74% - 23.74% variable APR thereafter.

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Best Hotel Rewards Card: Hilton Honors American Express Surpass® Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Hilton Honors American Express Surpass<sup>®</sup> Card

Hilton Honors American Express Surpass® Card

APPLY NOWAt American Express' secure website
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a 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.
  • 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.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

17.24% - 26.24% Variable

$95

Good, Excellent

Hilton Honors American Express Surpass® Card has a bonus offer that lets you earn 125,000 Bonus Points after you make $2,000 in purchases on your new card within the first 3 months. You can also earn 12X Hilton Honors Bonus Points for every 1 dollar of eligible purchases you spend directly with a participating hotel or resort within the Hilton Portfolio, 6X Hilton Honors Bonus Points for every dollar of eligible purchases spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations and 3X Hilton Honors Bonus Points for all your other eligible purchases. Get a free Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year. This card has a $95 annual fee (See Rates & Fees). Terms apply.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
Read our review of Hilton Honors American Express Surpass® Card.

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

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

Capital One® Spark® Cash for Business

  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good

Capital One® Spark® Cash for Business lets you earn a limited time offer of up to $2,000. Earn $500 cash bonus when you spend $5,000 in the first 3 months and another $1,500 when you spend $50,000 in the first 6 months of your account opening. 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, $95 after that, but depending on your spending, the cash back you earn can more than compensate.

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So there you go - our top 10 credit card deals of 2019. 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.