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
Unlimited Cash BackWells Fargo Cash Wise Visa® card
MilesChase Sapphire Preferred® Card
Hotel RewardsHilton Honors American Express Surpass® Card

Best For Unlimited Cash Back: Wells Fargo Cash Wise Visa® card

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

Wells Fargo Cash Wise Visa® card

APPLY NOWAt Wells Fargo's secure website
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, 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 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 15 months on purchases and qualifying balance transfers

13.99% - 25.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® card gives you a $150 cash rewards bonus after spending $500 in the first 3 months from account opening, earn unlimited 1.5% cash back on all the purchases you make automatically (no activation necessary). Enjoy 1.8% cash rewards on qualified digital wallet purchases (like Apple Pay® or Google Pay™) during the first 12 months from account opening. This cash back card has a $0 annual fee and has a 0% intro APR for 15 months on purchases and qualifying balance transfers, after that a regular 13.99% - 25.99% 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 a 3% intro balance transfer fee for 120 days, 5% after that. Check out our full review of Wells Fargo Cash Wise Visa® card here.

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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
APPLY NOWAt Chase's secure website

N/A

15.99% - 22.99% 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 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

15.74%-24.74% 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.

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