We regularly look at the landscape of cards in each category and pick our favorites. Pick a category to see our top picks, and why we chose them.
- Best Cash Back Rewards Credit Cards
- Best Travel Credit Cards
- Best Balance Transfer Offers
- Best 0% Intro APR Offers
- Best Credit Cards for Gas
- Best Airline Credit Cards
- Best Hotel Credit Cards
- Best Credit Cards for Fair Credit
- Best Secured Credit Cards for Bad Credit
- Best Unsecured Credit Cards for Bad Credit
- Best Student Credit Cards
- Best Study Abroad Credit Cards for Students
- Best Credit Cards for Young Professionals
- Best Business Credit and Charge Cards
- Best Credit Cards for Freelancers
- Best Military Credit Cards
There are many credit card offers out there, so if you’re looking for the best credit card it depends on what you want and your credit history.
If you’re considering a card for rewards, there’s a wide variety of options. Are you willing to pay an annual fee? Do you want a travel rewards card that will earn points, like Chase Ultimate Rewards points, that you can transfer as airline miles, or to another rewards program? Or do you want a simpler card that earns unlimited cash rewards back as statement credit based on how much you spend? Many rewards cards and travel cards will earn you more on certain bonus categories, like gas stations, grocery stores, or wholesale clubs. Choose wisely according to your spending habits.
Consider the sign-up bonuses that many rewards cards offer. Credit card issuers will often give you bonus points when you spend a certain amount within the first few months of account opening.
Are you looking for a credit card that will help you build credit? In that case, you may want one that provides a free credit score, so you can monitor one of your FICO scores to track your progress. If you have bad credit, you might have to pay an annual fee or get a secured card. Would you be better off becoming an authorized user on someone else’s credit card first, to help you establish some credit history?
Maybe you have some credit card debt you’re trying to pay off faster with a balance transfer. In that case, the best balance transfer card for you would have no balance transfer fee.
Make sure you’re also considering the additional benefits cards offer, too. Some cards have a high annual fee, but the value of benefits and rewards can outweigh that fee. If you’re travel outside the country often, consider whether a card has foreign transaction fees, or benefits like car rental and travel insurance. You may also want to look for a Visa or Mastercard, since American Express and Discover cards may not be as widely accepted abroad.