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
Bonus OfferWells Fargo Cash Wise Visa® Card
RewardsBank of America® Premium Rewards® credit card
Gas & GroceriesBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
MilesChase Sapphire Preferred® Card
TravelCapital One® Venture® Rewards Credit Card
Balance TransfersWells Fargo Platinum Visa® Card
Flat Rate Cash BackChase Freedom Unlimited®
Hotel RewardsHilton Honors American Express Ascend Card
Airline RewardsGold Delta SkyMiles® Credit Card from American Express
BusinessCapital One® Spark® Cash for Business

Best Bonus Offer: 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 $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 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% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $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 (fees apply), balance transfers made within 120 days qualify for the intro rate and fee

15.99%-26.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® Card. With this card you can earn unlimited 1.5% cash rewards on every purchase you make, everyday. On top of that, within the first 12 months from account opening you get to enjoy 1.8% cash rewards on qualified mobile wallet purchases like Google PayTM or Apple Pay®. This card comes with a pretty great bonus offer which lets you earn a $200 cash rewards bonus after spending $1,000 in the first 3 months. The cash rewards you earn never expire. This card has a 0% intro APR for 12 months on purchases and balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee) and a 15.99%-26.99% variable APR thereafter. There is a $0 annual fee. Here's our Wells Fargo Cash Wise Visa® Card review.

Best Rewards Card: Bank of America® Premium Rewards® credit card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> credit card

Bank of America® Premium Rewards® credit card

APPLY NOWAt Bank of America's secure website
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don’t expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
APPLY NOWAt Bank of America's secure website

N/A

17.99% - 24.99% Variable APR

$95 annual fee

Excellent/Good

Bank of America® Premium Rewards® credit card has a bonus offer that lets you receive 50,000 bonus points after spending $3,000 on purchases in the first 90 days from account opening. That's a $500 value when you redeem those points. Earn unlimited 2 points on every dollar you spend on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases. If you happen to be a Bank of America Preferred Rewards client, you get a 25%-75% rewards bonus on every purchase. You'll receive up to $200 in combined airline incidental and airport expedited screening statement credits plus valuable travel insurance protections. Bank of America® Premium Rewards® credit card has no foreign transaction fees but has a $95 annual fee. Here's our Bank of America® Premium Rewards® credit card review.

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
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • NEW OFFER: $200 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, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
APPLY NOWAt Bank of America's secure website

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

15.24% - 25.24% Variable APR

$0

Why we like it
  • NEW OFFER: $200 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 - $200 Cash Rewards Offer has no annual fee and you will get a $200 online cash rewards bonus if 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 earn your cash back and 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. You can benefit from 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 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 Lynch® 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 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 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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

17.99% - 24.99% Variable

$0 Intro for 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 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 introductory annual fee of $0 for the first year, then $95.

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; 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
  • 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

14.74% - 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; 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 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 Balance Transfers: Wells Fargo Platinum Visa® Card

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

Wells Fargo Platinum Visa® Card

APPLY NOWAt Wells Fargo's secure website
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 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 Platinum Visa® Credit Card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $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 18 months on purchases and balance transfers (fees apply), balance transfers made within 120 days qualify for the intro rate and fee

13.49%-26.99% (Variable)

$0

Excellent/Good

Wells Fargo Platinum Visa® Card is a great balance transfer card since it has a 0% introductory APR for 18 months on purchases and balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee), after that, a standard 13.49% - 26.99% variable APR applies. This card is password protected to keep you safe from fraudulent activity while you shop online. As a Wells Fargo cardholder, you'll enjoy protection against any liability for unauthorized transactions when you report them promptly. Enjoy free safe access to your online account, online statements and My Money Map. With My Money Map, you can create your very own unique financial plan and oversee your finances. Easily track everything you spend, look at budgeting and savings in user friendly charts and make both short and long-term goals for your budget. A convenient feature that you get with Wells Fargo Platinum Visa® Card is that you can choose your monthly payment due date. This card has a $0 annual fee.

Read our review of Wells Fargo Platinum Visa® Card here.

Best For Flat Rate 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
APPLY NOWAt Chase's secure website

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

16.99% - 25.74% 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 an unlimited flat rate of 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 16.99% - 25.74% 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 balance transfer fee of 5% of the amount transferred, or a $5 minimum. As an extra plus after you spend $500 or more within the first 3 months of opening your new account you receive a $150 bonus! Check out our full review of Chase Freedom Unlimited® here.

Best Hotel Rewards Card: Hilton Honors American Express Ascend Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

APPLY NOWAt American Express' secure website
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend 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

17.74%-26.74% Variable

$95

Good, Excellent

Hilton Honors American Express Ascend 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. Terms apply.

Read our review of Hilton Honors American Express Ascend Card.

Best Airline Rewards Card: Gold Delta SkyMiles® Credit Card from American Express

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit 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
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in 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 on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

17.74%-26.74% Variable

$0 introductory annual fee for the first year, then $95.

Excellent/Good

Gold Delta SkyMiles® Credit Card from American Express, a GET.com advertiser, is a great travel card that lets you earn 2 miles per dollar spent on all your direct 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 as well as a $50 statement credit after you make a Delta purchase in the first 3 months. $0 intro annual fee for the first year, then $95. Terms apply. Read our review of Gold Delta SkyMiles® Credit Card from American Express.

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

  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account. Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

N/A

18.74% (Variable)

$0 intro for first year; $95 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 limited time offer of up to $2,000: earn $500 cash bonus after spending $5,000 on purchases with this card within 3 months from account opening and earn $1,500 after you spend $50,000 in the first 6 months. 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 2018. 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.