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
Bonus OfferWells Fargo Cash Wise Visa® Card
MilesChase Sapphire Preferred® Card
TravelCapital One® Venture® Rewards Credit Card
Balance TransfersChase Slate®
Flat Rate Cash BackChase Freedom Unlimited®
Bonus Cash BackChase Freedom®
Gas & GroceriesBank of America® Cash Rewards Credit Card
Hotel RewardsStarwood Preferred Guest® Credit Card from American Express
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 liket_cc_credit_requiredRelated links
Wells Fargo Cash Wise Visa<sup>®</sup> Card

Wells Fargo Cash Wise Visa® Card

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

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

13.99%-25.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® Card. 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 Android PayTM or Apple Pay® mobile wallet purchases. 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 and a 13.99% - 25.99% variable APR thereafter (balance transfer fees apply). There is a $0 annual fee. Here's our Wells Fargo Cash Wise Visa® Card review.

Best Miles Card: 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
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
APPLY NOWAt Chase's secure website

N/A

16.99% - 23.99% Variable

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

Why we like it
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
Excellent Credit

Chase Sapphire Preferred® Card lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®. 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 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 liket_cc_credit_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 unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today

N/A

13.99% - 23.99% (Variable)

$0 intro for first year; $95 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 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 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; $95 after that.

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Best For Balance Transfers: Chase Slate®

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

Chase Slate®

APPLY NOWAt Chase's secure website
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
APPLY NOWAt Chase's secure website

0% Introductory APR for 15 months on purchases and balance transfers

15.99% - 24.74% Variable

$0

Why we like it
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening.
Excellent/Good

Chase Slate® is a balance transfer card that lets you transfer a balance within the first 60 days after account opening with a $0 intro balance transfer fee. After those 60 days are over, there is a 5% balance transfer fee on the amount transferred or a $5 minimum, whichever is greater. The majority of credit cards usually charge a 3-5% balance transfer fee right from the start, so this intro offer is a good benefit for those who need to transfer a balance. You will also enjoy a 0% introductory APR for 15 months on purchases and balance transfers. After that, there is a 15.99% - 24.74% variable APR on purchases and balance transfers, based on your credit score. There is a $0 annual fee. Here's our Chase Slate® review.

Best For Flat Rate Cash Back: Chase Freedom Unlimited®

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

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
APPLY NOWAt Chase's secure website

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

15.99%-24.74% Variable

$0

Why we like it
  • Unlimited 1.5% cash back on every purchase - it's automatic.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Excellent/Good

Chase Freedom Unlimited® gives you 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 15.99% - 24.74% 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 Bonus Cash Back Card: Chase Freedom®

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

Chase Freedom®

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

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

15.99%-24.74% Variable

$0

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

Chase Freedom® is one of the most popular cash back cards in America because it lets you earn 5% cash back in quarterly changing categories, up to $1,500 in combined purchases each quarter you activate. You earn an unlimited 1% cash back on all other purchases. Cash back rewards do not expire. Chase Freedom® offers a 0% intro APR for 15 months for purchases and balance transfers. After that, there's a 15.99% - 24.74% variable APR on both balance transfers and purchases. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. No annual fee. This card has a great signup bonus for new cardmembers: Earn a $150 Bonus after you spend $500 on purchases within the first 3 months of account opening, and a $25 Bonus after you make a purchase and add an authorized user in this same 3-month period. Here's our Chase Freedom® review.

Best Card For Gas & Groceries: Bank of America® Cash Rewards credit card

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

Bank of America® Cash Rewards Credit Card

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

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

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

No annual fee

Why we like it
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Bank of America® Cash Rewards credit card has no annual fee and you will get a $150 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%. See Terms.

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

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Best Hotel Rewards Card: Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express is a Starwood credit card for people who often stay at the Starwood chain of hotels ( include St Regis, Le Meridien, Westin, Sheraton, etc). As a new cardmember earn 25,000 Starpoints® after you use this card to make $3,000 in purchases within the first 3 months of cardmembership. You earn up to 5 points per dollar spent on purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest program, and 1 point per dollar spent on all other eligible purchases. Receive a free Uber ride (up to $30) when you enter the promo code UBERAMEX when you use Starwood Preferred Guest® Credit Card from American Express as the payment method. The promo code must be applied to your Uber account prior to taking your first Uber ride and is valid on all vehicle options except uberT. This offer is available in the U.S. only and expires on July 31, 2018. This card has no foreign transaction fees. Receive complimentary in-room, premium Internet access while staying with SPG® Participating Hotels. $0 annual fee for the first year, then $95. Terms apply. Read our review of Starwood Preferred Guest® Credit Card from American Express here.

Best Airline Rewards 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
  • 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 every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
APPLY NOWAt American Express' secure website

N/A

16.74%-25.74% Variable

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

Why we like it
  • 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.
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, and after you make a Delta purchase with this Card within the first 3 months of Card Membership get a $50 statement credit. Get a free Uber ride (up to $30) if you are a new Uber app user. Just enter the promo code UBERAMEX when you use Gold Delta SkyMiles® Credit Card from American Express as the payment method. Keep in mind that this offer is available in the U.S. only and expires on July 31, 2018. $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 liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • 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 from account opening
  • 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

17.99% (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 one-time $500 cash bonus after spending $4,500 on purchases with this card within 3 months from 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 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.