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
MilesChase Sapphire Preferred® Card
TravelCapital One® Venture® Rewards Credit Card
Bonus OfferWells Fargo Cash Wise Visa® Card
Flat Rate Cash BackBarclaycard CashForward™ World Mastercard®
Bonus Cash BackChase Freedom®
Gas & GroceriesBank of America® Cash Rewards Credit Card
Hotel RewardsIHG® Rewards Club Select Credit Card
Airline RewardsGold Delta SkyMiles® Credit Card from American Express
Low Interest Balance TransfersCiti Simplicity® Card - No Late Fees Ever
BusinessCapital One® Spark® Cash for Business

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
Chase Sapphire Preferred<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • User Rating:
  • 5.00/5
Rate This Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
APPLY NOWAt Chase's secure website

N/A

16.99% - 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

Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.70/5
  • Your Rating:
Rate This Card
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles 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; $59 after that
  • Get a metal Venture Card when you apply today

N/A

13.99% - 23.99% (Variable)

$0 intro for first year; $59 after that

Why we like it
  • Earn unlimited 2X miles per dollar on every purchase, every day.
We least like
  • No low introductory APR period.
Excellent, Good

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

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Best 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
Wells Fargo Cash Wise Visa<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.80/5
  • Your Rating:
Rate This Card
  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android 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, 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 For Flat Rate Cash Back: Barclaycard CashForward™ World Mastercard®

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Barclaycard CashForward™ World Mastercard<sup>®</sup>

Barclaycard CashForward™ World Mastercard®

APPLY NOWAt Barclaycard's secure website
Barclaycard CashForward™ World Mastercard<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
Rate This Card
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness
  • Please note, there is a fee for balance transfers
  • No annual fee
APPLY NOWAt Barclaycard's secure website

0% on purchases and balance transfers for 15 months (on balance transfers made within 45 days of account opening)

15.99%, 20.99% or 25.99% Variable

$0

Why we like it
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.
Excellent

Barclaycard CashForward™ World Mastercard® has no annual fee and lets you earn unlimited 1.5% cash rewards on every purchase. Cash back does not expire and there is no cap on the amount of spending you earn cash back for. There are also no categories to fuss with. You simply earn a flat rate of cash back every time you use this card to pay for a purchase. You get a 5% cash rewards redemption bonus to use toward your next redemption every time you redeem cash back. Get a $200 cash rewards bonus after you spend $1,000 on purchases using your new card in the first 90 days after account opening. Benefit from 0% intro APR for 15 months on purchases and balance transfers made in the first 45 days after account opening, and 15.99%, 20.99% or 25.99% variable APR thereafter. You will pay balance transfer fees equal to 3% of each transaction with a $5 minimum fee. Find out more in our Barclaycard CashForward™ World Mastercard® review.

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
Chase Freedom<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.85/5
  • User Rating:
  • 3.00/5
Rate This Card
  • 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
  • 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

Bank of America<sup>®</sup> Cash Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This 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: IHG® Rewards Club Select Credit Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
IHG<sup>®</sup> Rewards Club Select Credit Card

IHG® Rewards Club Select Credit Card

APPLY NOWAt Chase's secure website
IHG<sup>®</sup> Rewards Club Select Credit Card
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • User Rating:
  • 4.00/5
Rate This Card
  • Earn 80,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year
APPLY NOWAt Chase's secure website

N/A

16.99% - 23.99% Variable

$0 Intro for the First Year, then $49

Why we like it
  • Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide.
Excellent/Good
IHG® Rewards Club Select Credit Card, issued by JPMorgan Chase (JPM), lets you earn 80,000 bonus points after spending $1,000 within the first 3 months of account opening. And earning doesn't end there! Earn 5 points per $1 spent at IHG locations, earn 2 points per $1 on purchases made at gas stations, restaurants, and grocery stores. You can redeem your IHG Rewards Club Bonus points at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®. $0 introductory annual fee the first year, then $49. Global chip and signature technology. No foreign transaction fees. After each account anniversary year you can enjoy a Free Night at over 5,200 hotels worldwide. As long as you're a Select credit cardmember you have Platinum Elite status. 10% points rebate on redemptions (It's automatic!).

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
Gold Delta SkyMiles<sup>®</sup> Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • User Rating:
  • 2.00/5
Rate This Card
  • 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.
  • See Rates & Fees
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. $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 For Low Interest Balance Transfers: Citi Simplicity® Card - No Late Fees Ever

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
Rate This Card
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
APPLY NOWAt Citi's secure website

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

14.49% - 24.49% (Variable)

$0*

Why we like it
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good

Citi Simplicity® Card - No Late Fees Ever, a partner card, is one of our best-rated balance transfer cards. One of this card's main benefits is that it offers a very long introductory low APR period for balance transfers. You get 0% intro APR on purchases and balance transfers for 21 months. After the intro period there is a 14.49% - 24.49% variable APR for purchases and balance transfers, based on your creditworthiness. There is no annual fee. Find out more in our Citi Simplicity® Card - No Late Fees Ever review here.

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

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

Capital One® Spark® Cash for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months 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; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

N/A

17.99% (Variable)

$0 intro for first year; $59 after that

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

Capital One® Spark® Cash for Business lets you earn a one-time $500 cash bonus after spending $4,500 on purchases with this card within 3 months 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, $59 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 2017. You can also take a look at our full selection of the best credit cards or use our tool to compare credit cards.

What Does A Credit Card Offer?

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

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

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

Online Payments

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

Building Credit

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

Saving Money

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

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

Security

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

Benefits

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

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

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

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

How We Rate Credit Cards

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

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