The Best Credit Cards of 2019 (Updated for August)

These are the best credit card offers currently available. Continue below to see our top picks along with an explanation of each card's benefits and any potential things to watch out for before applying.

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1. Chase Sapphire Preferred® Card

Why we like it: The Chase Sapphire Preferred® Card has one of the best earning structures of any credit card on the market. Cardholders earn 2 points per dollar spent on dining and travel purchases and 1 point per dollar spent on all other purchases. What makes the card special is that the points you earn are part of the Chase Ultimate Rewards program, which is considered by some as the premier card rewards program. Within the program, users can transfer their points to 12 travel programs, ranging from United Airlines to Marriott Bonvoy hotels.

If you're thinking about applying for this card, now may be the perfect time to do so, as the card is offering an unusually high sign-up bonus. Cardholders can earn 60,000 bonus points, if they meet a certain spending requirement, but the offer previously stood at 50,000 points. There's no telling how long Chase will offer the 60,000-point sign-up bonus.

Things to watch out for: You'll need to have excellent credit to qualify for the Chase Sapphire Preferred® Card. The card also comes equipped with a $95 annual fee. We imagine that most people will earn enough rewards to offset that annual fee.

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2. Discover it® Cash Back

Why we like it: Most credit cards in the cash-back space only offer up to 1.5% cash back when they charge no annual fee. Unlike those cards, the Discover it® Cash Back offers cardholders up to 5% cash back in quarterly categories that apply on up to $1,500 in spending each quarter. Cardholders will have to activate the categories in their account, and any spending that falls outside of the quarterly categories will earn 1% cash back.

Another great thing about the Discover it® Cash Back is that Discover is currently matching the cash back you earn in the first year. This means, at worst, you'll earn 2% cash back on most purchases during your first year and 10% cash back on purchases in the bonus categories. Even some of the best cash-back credit cards fail to reward users within that range. If you're interested in other cash-back options, make sure to read our in-depth guide.

Things to watch out for: There are two main things to watch out for here: category activation and the rotating calendar. Activating the 5% categories on the Discover it® Cash Back is pretty straightforward and you can do it online, but if you forget to do so, you'll only earn 1% cash back for the quarter. Before applying, make sure your spending aligns with the cash-back calendar; otherwise, you won't be able to maximize your cash-back rewards.

If you typically spend in different categories, consider opting for the Chase Freedom®, a similar card with a different cash-back calendar. One thing worth noting is that Target and Walmart.com were recently added to the 5% cashback bonus calendar. Since they are available in the 4th quarter, this addition could help you save money on the upcoming holiday season.

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3. American Express® Gold Card

Why we like it: The American Express® Gold Card is one of the best premium cards on the market due to its high rewards-earning potential. Cardholders earn 4 points per dollar spent at U.S. supermarkets (up to $25,000 per year), 4 points per dollar spent at restaurants worldwide, 3 points per dollar spent on flights booked directly with the airline or on amextravel.com, and 1 point per dollar spent elsewhere.

On top of a great rewards structure, the American Express® Gold Card also offers worthwhile perks. Cardholders get a $100 airline fee credit every calendar year and a monthly $10 in statement credits when you use the card for purchases at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. When you combine the statement credits with the high points potential, it becomes obvious this is one of the best credit cards for foodies.

Things to watch out for: In the past, this card has offered a 50,000-point bonus, but it's currently offering just 35,000 points after spending $2,000 within three months from account opening. There's no telling whether the 50,000-point welcome bonus will come back. Regardless, the card offers a strong enough rewards structure to justify applying even with a relatively low welcome bonus.

For rates and fees of the American Express® Gold Card, click here.

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4. Uber Visa Card

The information related to the Uber Visa Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Why we like it: The no-fee Uber Visa Card is one of the best credit cards available—with or without an annual fee. The card offers an extremely competitive earning structure with 4% on dining—which includes restaurants, UberEATS, takeout and bars—3% on hotels, vacation home rentals and airfare, 2% on online purchases and 1% on everything else.

The online purchases category on the Uber Visa Card is particularly interesting because it's a relatively uncommon credit card spending bonus category. If you pay your bills with a credit card or make monthly payments to multiple streaming services, then you'll find even more value in this card.

Things to watch out for: The $100 sign-up bonus on this card is weak compared to some of the other top rewards cards. However, it's hard to complain about the small sign-up bonus when you'll be getting consistent long-term value with no yearly fee. Pick this card if you want a jack-of-all-trades and don't care about earning transferable rewards points.

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5. Capital One® Venture® Rewards Credit Card

Why we like it: With the Capital One® Venture® Rewards Credit Card, cardholders earn an unlimited 2 miles on every dollar spent, which is great if you want a simple yet high-earning travel rewards credit card. The miles you earn with this card can be transferred to 14 travel loyalty programs, meaning you can get a higher value for your miles. Capital One is also offering 10 miles per dollar spent at hotels.com/venture through January 2020.

The Capital One® Venture® Rewards Credit Card is one of the only cards to offer an application fee credit for TSA Precheck/Global Entry at this price point. For reference, most other cards that offer a TSA Precheck or Global Entry voucher charge an annual fee of more than $200. Therefore, if you're already considering applying for one of those programs, then it could make sense to apply for this card and use it to apply for one of those programs.

In addition, Capital One just announced that JetBlue is a new transfer partner for Capital One® Venture® Rewards Credit Card cardholders. Until May 31, 2019, you'll be able to transfer your points at a 2:1.5 ratio. After this date, the transfer ratio falls to 2:1. While the transfer partners in the Capital One program still aren't as strong as those in the Chase and Amex programs, the JetBlue news is a positive development for Capital One cardholders.

Things to watch out for: There aren't many downsides with this card, especially if you plan to redeem your miles for travel. That said, if you're interested in cash-back rewards, we would suggest a different card. When you redeem miles for cash using the Capital One® Venture® Rewards Credit Card, they may be less valuable.

If you'd like a card that offers strong cash-back rewards along with travel points, then we suggest applying for the Chase Sapphire Preferred® Card.

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6. Chase Sapphire Reserve®

Why we like it: Hands down, the Chase Sapphire Reserve® is one of the most talked-about cards of 2019—and for good reason. The Chase Sapphire Reserve® offers 3 points for every dollar spent on dining and travel purchases, 1 point per dollar spent elsewhere, and a $300 annual travel credit. The 3 points on travel applies directly after earning the entire $300 travel credit. Currently, cardholders can also get 50,000 bonus points after spending $4,000 within three months of account opening. Points are worth 50% more when you redeem through the Chase Ultimate Rewards portal, meaning the sign-up bonus can be worth $750 when redeemed for travel.

The Chase Sapphire Reserve® also grants cardholders access to Priority Pass airport lounges. It's worth noting that many recent travelers have complained about lounges rejecting them due to capacity constraints, so we wouldn't recommend this card if you're primarily interested in lounge access. The best reason to get this card is if you want to transfer miles to airline or hotel partners and maximize the value of your points.

Things to watch out for: There's no denying that a $450 annual fee is hard to stomach. To make matters worse, the $450 will be due with your first billing statement. But if you typically spend at least $300 in travel per year, then the card's annual fee is effectively just $150. While the Chase Sapphire Reserve® definitely offers a lot of value, it's still one of the highest annual fees around.

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7. Chase Freedom Unlimited®

Why we like it: The worst cash-back rate you can earn with the Chase Freedom Unlimited® is 1.5%, which is in line with some of the best cash-back cards. During your first year with the card, you can earn 3% cash back on the first $20,000 you spend; anything above that threshold will earn you 1.5% cash back. The card doesn't have categories to activate, making it ideal for someone who just wants a flat-out competitive rate but doesn't want to think about rotating categories.

Things to watch out for: The most disappointing feature about the Chase Freedom Unlimited® is that it doesn't offer a sign-up bonus. Most no-annual-fee cash-back cards offer enticing bonuses that can be worth $150 to $300 for meeting a minimum spending threshold. Regardless, the temporary 3% cash-back rate can be just as enticing and valuable as a welcome bonus.

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8. Citi Simplicity® Card

Why we like it: The Citi Simplicity® Card is one of the best options for anyone looking to pay down existing credit card debt. That's because the card comes with a 21-month 0% introductory APR on balance transfers and a 12-month 0% intro APR on purchases. After the intro period, your APR will be 16.74% - 26.74%* (Variable), depending on your creditworthiness. The intro offer on this card is one of the most competitive balance transfer offers that we've seen.

Things to watch out for: While the card does come with a 0% intro APR on balance transfers, there's also a balance transfer fee of $5 or 5% (whichever is greater) on each transfer. While some balance transfer cards don’t charge this fee, their introductory periods are typically much shorter than 21 months. Despite the balance transfer fee, most people will come out ahead if they save enough on interest costs.

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9. Capital One® QuicksilverOne® Cash Rewards Credit Card

Why we like it: The Capital One® QuicksilverOne® Cash Rewards Credit Card is one of the few great cards available to those with a fair or average credit score. We consider it among the best cards because it offers a strong 1.5% cash-back rate on all purchases, when most competitors typically provide meager cash-back rates and charge high fees for people with low credit scores.

Things to watch out for: Don't confuse this card with the significantly better Capital One® Quicksilver® Cash Rewards Credit Card. The two have similar names, but the Capital One® Quicksilver® Cash Rewards Credit Card is only available to those with excellent credit. If your credit score improves with the Capital One® QuicksilverOne® Cash Rewards Credit Card, we suggest you upgrade your card to take advantage of the sizable cash-back bonus and $0 annual fee.

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10. Citi® Double Cash Card

Why we like it: The Citi® Double Cash Card is our top pick for users who simply want a highly rewarding card that doesn't require much additional thought. That's because the Citi® Double Cash Card offers 1% cash back twice (for an effective 2% rate), while most other cash-back cards top out at 1.5% cash back. You'll get 1% cash back when you make a purchase and an additional 1% back as you pay for your purchases. While other cards can get you higher cash-back rates, they require you to keep track of rotating categories.

Things to watch out for: There are two main drawbacks to the Citi® Double Cash Card: It charges a foreign transaction fee and doesn't offer a sign-up bonus. Most other cash-back cards offer cardholders the opportunity to earn sign-up bonuses ranging from $150 to $300 for meeting certain spending requirements. Unfortunately, that's not the case with the Citi® Double Cash Card. Furthermore, you'll pay a 3% foreign transaction fee anytime you use the card while abroad. If you can get over those hiccups, then the Citi® Double Cash Card can prove one of the best cash-back credit cards on the market.

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11. Amazon Prime Rewards Visa Signature Card

The information related to the Amazon Prime Rewards Visa Signature Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Why we like it: The Amazon Prime Rewards Visa Signature Card is a winner for Prime loyalists. This card can't be beat with a year-round rate of unlimited 5% back on Amazon.com and Whole Foods, plus 2% on restaurants, gas stations and drugstores and 1% on everything else. For comparison, the other cards that earn bonus rewards on Amazon purchases limit them to one quarter per year with a spending cap of $1,500. In addition, this is a great card for travel as it charges zero foreign transaction fees.

Amazon's recent announcement that the company is moving to one-day shipping as the standard for all Prime customers gives this card even more value. If you're not currently a Prime subscriber, this would be a great time to take the leap; one-day shipping and 5% on all purchases with the Amazon Prime Rewards Visa Signature Card is competitive with any other retail offer available.

Things to watch out for: Compared to other top no-fee options, the $70 Amazon gift card sign up bonus is just average. Regardless, the ongoing spending rewards you'll get with this card far outweigh the weak welcome offer. Consider that you'll get roughly $400 cash back per year if you spend $500 at Amazon and Whole Foods per month, $500 at restaurants, gas stations and drugstores per month and $300 on other purchases per month.

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12. Blue Cash Preferred® Card from American Express

Why we like it: The Blue Cash Preferred® Card from American Express is one of the best cards for shopping at U.S. supermarkets. The card offers 6% cash back in said category on up to $6,000 in purchases per year and 1% thereafter.

In addition to a strong rewards rate at U.S. supermarkets, the card offers 3% cash back at U.S. gas stations, 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, and 1% cash back on all other purchases. While the card does charge an annual fee, we suspect most users will earn enough cash-back rewards to offset the cost.

Things to watch out for: There's not much to dislike about the Blue Cash Preferred® Card from American Express. If we were forced to nitpick, we'd say the welcome offer could be stronger for a card with an annual fee. Still, this is one of the best cards around for earning cash-back rewards, specifically if you spend a lot at U.S. supermarkets, streaming services, tolls, and gas stations.

For rates and fees on the Blue Cash Preferred® Card from American Express, click here.

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Summary of the Best Credit Cards of 2019

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Honorable Mentions: More of the Best Credit Cards of 2019

Bank of America® Cash Rewards credit card

Why we like it: The Bank of America® Cash Rewards credit card is one of the most robust cash-back rewards cards that's available. You'll earn 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back everywhere else. The 3% and 2% cash-back rates are restricted to the first $2,500 you spend in the category of your choice and at grocery stores and wholesale clubs combined every quarter. After that, you'll earn 1% cash back in these categories until the next quarter begins.

Why it missed our list: While the cash-back rewards are quite high, the $2,500 spending cap is actually quite low. For example, assuming you maxed out the $2,500 limit in the 3% category, you would only earn $75 in cash-back rewards every quarter. Some readers may fare better with a simpler card, like the Citi® Double Cash Card, which offers 2% cash back on all purchases with no spending cap.

Here are your choices for the 3% category:

Capital One® Savor® Cash Rewards Credit Card

Why we like it: The Capital One® Savor® Cash Rewards Credit Card offers 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases, making it a premier cash-back credit card. On top of that, the card doesn't charge users a foreign transaction fee, so you’ll earn competitive rewards abroad without paying extra.

Why it missed our list: The only real downside to this card is its $95 annual fee. That said, it does redeem itself in its first year because the annual fee is waived. To get the most out of this card, you'll have to be sure your budget constantly hits certain categories, like dining, entertainment and grocery expenses.

FAQs About Credit Cards

Before you apply for any credit card, we always recommend you research and compare options. Below are some questions many of our readers have about credit cards.

1. What are the easiest credit cards to get approved for?

The easiest credit cards to get approved for are usually secured cards or credit cards geared toward people with no or limited credit histories. Secured credit card holders pay a deposit upfront, which acts as the credit line and protects the card issuer in case the cardholder defaults. Below, we provide our thoughts on the best credit cards for people with no or limited credit.

2. What is a good number of credit cards to have?

There's no rule of thumb for how many credit cards you should have. The average person has 3.1 credit cards, but you should focus on how you use and manage them. You can have a great credit score whether you have one or a dozen credit cards.

3. How do I compare credit cards?

The best way to compare credit cards is to consider the rewards, benefits and costs of each card. To help readers in their search for a credit card, our team developed a credit card comparison tool. It shows the rewards you stand to earn with each card over a two-year period. It's also fully customizable to your spending. You can use the tool here.

4. Which credit cards give the best travel rewards?

The Chase Sapphire Preferred® Card and the American Express® Gold Card are the best travel rewards cards for most people. With the Chase Sapphire Preferred® Card, you'll earn 2x Ultimate Rewards points per dollar on dining and travel. With the American Express® Gold Card, you'll earn 4x Membership Rewards points on U.S. restaurant and supermarket purchases and 3x points on flights booked directly with airlines. The Chase Ultimate Rewards program and American Express Membership Rewards program both allow you to transfer your rewards to numerous travel loyalty programs, which is why these cards provide outsized value.

5. Are points credit cards worth it?

Points are worth it for responsible credit cardholders who pay their bill on time every month and don't rack up interest charges. Earning points is a great way to get free rewards on your everyday spending, but it shouldn't cause you to go into debt. It's important to note that you should only open a card with an annual fee if the benefits and points-earning potential make it worth it for you.

6. What is the best Visa credit card?

Both Visa and Mastercard are widely accepted around the world, so you shouldn't choose your credit card based on the network it operates on. However, Visa is the card network for a host of options on this list, including the Chase Sapphire Preferred® Card, Uber Visa Card and Chase Sapphire Reserve®. For most people, we recommend the Chase Sapphire Preferred® Card, which comes with a moderate annual fee of $95, a welcome bonus of 60,000 points after spending $4,000 in the first three months and earns 2x points on dining and travel purchases.

7. What is the best Mastercard credit card?

While credit card network isn't all that important due to Mastercard and Visa's widespread acceptance, you may still want a card on a specific network for a certain benefit. If you're looking for a Mastercard, we recommend the Citi® Double Cash Card. This card provides an effective 2% back on every purchase (1% when you make a purchase and 1% when you pay your bill) and comes with no annual fee.