What Are The Best Credit Cards of 2018?

Our team sorted through 401 credit cards to identify the top ones available today. For the 4th straight year, the Chase Sapphire Preferred® Card ranks as the number one choice for most consumers due to its industry-leading rewards and terms. For readers who have more specific needs, like dealing with outstanding debt or limited credit score, we've also included our recommendations for more niche card categories.

Click on the categories below to learn more about our rationale for picking these as the top cards, and to better understand how these cards can serve your personal goals. We also build a one of its kind credit card comparison tool that calculates the value of each card based on how you use it.

Table of Contents

In-Depth Reviews of The Best Credit Cards

Here we'll show you why each card is the best-in-class for each consumer category. Our analysts constructed models and read through hundreds of card agreements, so we could identify cards that provided superior value, either in earning rewards or cutting down interest payments. Because your credit score limits what offers are available to you, we made sure to make recommendations for all credit brackets (poor, average, good and excellent).

Best Credit Card for Most People: Chase Sapphire Preferred® Card

Apply Now

Annual Fee

$0 Intro for the First Year, then $95

Purchase APR

17.74% - 24.74% Variable

more details hide details

Credit Needed

Excellent Credit

Details

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. 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 travel 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

The Chase Sapphire Preferred® Card is the best credit card available for frequent travelers collecting rewards and points due to its amazing ability to yield up to a 2.5% rewards rate on travel purchases. To really appreciate how high of a rewards rate that is you'll have to know that most travel cards' rewards rate will hover around the 2% mark. What makes the card even better is that the points you earn offer unparalleled convenience since they can be transferred to hotel and airline loyalty programs on a 1:1 basis. Some of those programs include major brands like British Airways, Marriott Rewards, and World of Hyatt. This flexibility makes Chase Ultimate Rewards the best credit card points program on the market.

The card has many features that make it the ultimate card for travelers. For instance, your points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards. This essentially means you'll always get a minimum rewards rate of 1.25% as long as you're redeeming your points for travel through the program. This added boost to point values is something that's quite uncommon. It's worth noting that the Chase Sapphire Reserve® can be just as good, if not better than the Chase Sapphire Preferred® Card for travelers frequently on the road. However, the card carries a hefty $450 annual fee because it's equipped with extra premium features. Therefore, for most people the Chase Sapphire Preferred® Card will likely make the most sense.

Top Credit Card for Cash Back (No Annual Fee): Discover it® Cash Back

Apply Now

Annual Fee

$0

Purchase APR

13.74% - 24.74% Variable

more details hide details

Credit Needed

Excellent, Good

Details

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Redeem cash back any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout. Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. No annual fee. Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Among cards without an annual fee, the Discover it® Cash Back offers the highest cash rewards, making it our top choice in this category. The card awards cardholders an amazing 5% cash back in different categories throughout the year, up to $1,500 in spending. Other leading cash back cards merely offer 2% cash back, albeit across all spending. If your spending aligns with the card's limited-time categories, which in the past have included gas stations, grocery stores and restaurants, you'll be best off with the Discover it® Cash Back.

What takes this card to the next level among its competitors is Discover's cash back match, which offers a value nearly no other card can match. At the end of your first year, Discover will match all the cash back you've earned. So, if you earned $250 in cash back rewards, Discover would award you an additional $250. This benefit essentially ensures that for your first year, you'll receive an outstanding cash back rate ranging from 2% to 10%. That's better than any credit card can offer.

Best Co-Branded Airline Credit Card: Alaska Airlines Visa Signature® Credit Card

Apply Now

Annual Fee

$75

Purchase APR

16.74% - 24.74% Variable

more details hide details

Credit Needed	Good
Details	First Checked Bag Free for you and up to 6 companions booked on your reservation Coach Companion Fare from $121 ($99 base fare plus taxes and fees from $22)

The Alaska Airlines Visa Signature® Credit Card offers competitive rewards when you use it for purchases, but its the card's highly valuable travel savings makes it the best co-branded airline card. For every year that you have the card you'll be awarded a Companion Fare certificate, which is one of the most lucrative airline perks on any card. Let's say you booked a $461 trip from Miami to Seattle, you'd only have to pay $99 (plus taxes and fees) for the ability to bring an extra passenger along. In this scenario, the certificate would provide over $300 in value—which is great by any standard.

Similar to other airline cards the Alaska Airlines Visa Signature® Credit Card comes with an annual fee in the amount of $75. However, the card makes it extremely easy to make back that annual fee when you take advantage of its many benefits. For instance, overpackers can save $25 every time they fly since the card allows you to check a bag for free. Use this feature just three times and you're breaking even. The miles you earn with the card can be used to fly with Alaska Airlines, or with one of its partners which include Korean Air, Aer Lingus, Japan Airlines and Emirates. When compared to what other airline cards offer, this is quite a diverse set of airline partners.

Best Credit Card for Balance Transfers: Chase Slate®

This card is not available through ValuePenguin.

Annual Fee

No Annual Fee

Purchase APR

16.74% - 25.49% Variable

more details hide details

Credit Needed	Good
Details	Transfer balances with an introductory fee of $0 during the first 60 days your account is open. After that, the fee is 5% of the amount transferred with a minimum of $5 0% intro APR for 15 months on purchases and balance transfers and after that 16.74%-25.49% variable APR FICO score for free No annual fee and no penalty APR

The Chase Slate® is the best resource for someone who has credit card debt and needs interest payment relief. That's because you'll get a longer than average intro period to save hundreds, if not thousands, on interest expense. Even among most balance transfer cards, 15 months of no interest is quite long. While most balance-transfer credit cards charge a 3% to 5% fee for each transfer, the Chase Slate® gives you some breathing room with no balance-transfer fees if you move the debt during the first 60 days your account is open.

Keep in mind that balance transfer cards offer very little value beyond their 0% intro APR period. In other words, most don't offer rewards and have very few worthwhile perks and benefits. While there are some credit cards that offer rewards and a 0% intro APR period, they'll typically come with a costly balance transfer fee.

Best Credit Card for Students: Discover it® Student Cash Back

Apply Now

Annual Fee

$0

Purchase APR

14.74% - 23.74% Variable

more details hide details

Credit Needed

Fair

Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. No annual fee. No late fee on first late payment. No APR change for paying late. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds. Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%. Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

We’ve picked the Discover it® Student Cash Back as the best credit card option for students for its above-average rewards—even when we compare it to ordinary non-student credit cards. The Discover it® Student Cash Back offers 5% cash back on different categories throughout the year, up to a quarterly maximum—just like its older brother, the Discover it® Cash Back. This high of a rewards rate is a far cry from the typical meager rates offered by most cards targeted towards students.

Another reason this is our top student pick is the promo offer to double rewards rates, which is the most lucrative bonus available on a student credit card. New cardmembers will have their total cash back rewards doubled at the end of their first year, which means you'll earn an effective rewards rate anywhere from 2% to 10% for that first year. That represents one of the highest rewards rate available across all cards (both student and non-student).

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

Apply Now

Annual Fee

$0 intro for first year; $95 after that

Purchase APR

18.74% (Variable)

more details hide details

Credit Needed	Excellent, Good
Details	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
Note: The information in this box was provided by Capital One and is not part of our independent analysis.

The Capital One® Spark® Cash for Business offers the best mix of high rewards and versatility among the business credit cards we surveyed. That's because the card offers a high cash back 2% rate on every single purchase. Most other business cards target high rewards rates in specific types of expense, such as travel or office supplies. But most small business owners face expenditures that don't always fit a particular mold. Therefore, business owners who don't want to fidget with their spending to match categories would be better suited by a card that offers a flat, but great cash back rate on all purchases, like the Capital One® Spark® Cash for Business.

Keep in mind that the card has a $95 annual fee, which is waived for the first year. Therefore, this card is only worth applying for if your business spends more than $19,000 per year. If you spend any less than that, you should consider opting for the Capital One® Spark® Cash Select for Business. The Capital One® Spark® Cash Select for Business offers a lower, but still decent cash back rate of 1.5%. More importantly for companies with low expenses, the card doesn't charge an annual fee.

Best Credit Card for Bad Credit: Discover it® Secured

Apply Now

Annual Fee

$0

Purchase APR

24.74% Variable

more details hide details

Credit Needed

Please refer to issuer's website

Details

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use. Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit. We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically. INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

The Discover it® Secured offers the highest rewards among secured credit cards, making it our top winner for people with poor credit (FICO below 600). Cardholders can receive 2% cash back on up to $1,000 of dining or gas expenses each quarter. That's an extremely lucrative offer when you consider that most secured credit cards usually don't offer rewards. As with all secured credit cards, the Discover it® Secured requires a security deposit of at least $200, which is well within the normal range of $200 to $500.

Another reason why the Discover it® Secured earns our recommendation, is that it's one of the few credit cards for bad credit to have no annual fee. It's common for cards in this category to charge users $25 or more, per year, on top of the security deposit.

Best Credit Card for Average Credit: Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Now

Annual Fee

$39

Purchase APR

24.99% (Variable)

more details hide details

Credit Needed	Average, Fair, Limited
Details	Earn unlimited 1.5% cash back on every purchase, every day Earn cash rewards without signing up for rotating categories Get access to a higher credit line after making your first 5 monthly payments on time Monitor your credit profile with the CreditWise® app, free for everyone $0 fraud liability if your card is ever lost or stolen No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account Help strengthen your credit for the future with responsible card use Get customized alerts and manage your account with the Capital One mobile app
Note: The information in this box was provided by Capital One and is not part of our independent analysis.

The Capital One® QuicksilverOne® Cash Rewards Credit Card is one of the few great cards for people with credit scores in the 620 to 670 range. We rank it well because it offers a decent 1.5% cash back on all purchases, when most competitors typically provide meager cash back rates and charge extremely high fees.

Don't confuse this card with the significantly better Capital One® Quicksilver® Card. The two have similar names, but the Capital One® Quicksilver® 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 lower interest rates, sizable cash back bonus and no annual fee.

Credit Card Comparison Tool

Use our tool below to find out which credit card is best for your spending habits. Enter your estimated monthly spending per category, and we'll calculate which credit cards will yield you the highest returns. This tool compares rewards cards, so if you want to compare low-interest and balance-transfer credit cards, head to our other comparison tool here.

2-yr Rewards Value Net Rewards Rate APR Annual Fee Bonus Value Rewards By Month Rewards Rate By Month

Name

Savings Through (Through 24 Months)	Rewards	Dollars

Assumptions Based On Monthly Spend of: $1,430 Edit

General:

U.S. Gas Stations:

U.S. Supermarkets:

Airlines:

Hotel:

U.S. Restaurants:

Office:

Utilities:

Computing:

Card	Annual Fee	2-yr Net Rewards Rate The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated. The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).	Bonus Value The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit). The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.	2-yr Rewards Value The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit). The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
Southwest Rapid Rewards® Premier Credit Card
	$99	3.40%	$782 Get 40,000 points after you spend $1,000 on purchases in the first 3 months of opening your account	$1,167
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 34,320 x $0.017 = $583 Bonuses 40,000 x $0.017 = $680 6,000 x $0.017 = $102 Less Annual Fees -$198 Total Net Estimated Rewards Through 24 Months 1,167 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $99 APR 17.74% - 24.74% Variable Card Details Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. 6,000 bonus points after your Cardmember anniversary 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases 1 point per $1 spent on all other purchases Earn unlimited points that don't expire as long as your card account is open No foreign transaction fees No blackout dates or seat restrictions, Bags fly free® and no change fees Redeem your points for flights, hotel stays, gift cards, access to events and more
Chase Sapphire Preferred® Card
	$0 Intro for the First Year, then $95	3.00%	$625 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening	$1,028
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 39,840 x $0.013 = $498 Bonuses 50,000 x $0.013 = $625 Less Annual Fees -$95 Total Net Estimated Rewards Through 24 Months 1,028 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 Intro for the First Year, then $95 APR 17.74% - 24.74% Variable Card Details 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. 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 travel 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
Capital One® Spark® Cash for Business
	$0 intro for first year; $95 after that	1.72%	$0 Earn a $500 bonus once you spend $4,500 on purchases in the first 3 months	$591
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 686 x $1 = $686 Less Annual Fees -$95 Total Net Estimated Rewards Through 24 Months 591 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 intro for first year; $95 after that APR 18.74% (Variable) Card Details 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 Note: The information in this box was provided by Capital One® and is not part of our independent analysis.
Alaska Airlines Visa Signature® Credit Card
	$75	2.94%	$540 Get 30,000 bonus miles after qualifying purchases	$1,008
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 34,320 x $0.018 = $618 Bonuses 30,000 x $0.018 = $540 Less Annual Fees -$150 Total Net Estimated Rewards Through 24 Months 1,008 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $75 APR 16.74% - 24.74% Variable Card Details First Checked Bag Free for you and up to 6 companions booked on your reservation Coach Companion Fare from $121 ($99 base fare plus taxes and fees from $22)
Chase Sapphire Reserve®
	$450	1.55%	$750 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $750 in travel when you redeem through Chase Ultimate Rewards®	$530
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 45,360 x $0.015 = $680 Bonuses 50,000 x $0.015 = $750 Less Annual Fees -$900 Total Net Estimated Rewards Through 24 Months 530 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $450 APR 17.74% - 24.74% Variable Card Details Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year Named a ‘Best Travel Credit Card for 2017’ by MONEY® Magazine 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel 1:1 point transfer to leading airline and hotel loyalty programs Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select Up to $100 application fee credit for Global Entry or TSA Pre✓®
Capital One® Spark® Cash Select for Business
	$0	2.08%	$200 One time bonus of $200 once you spend $3,000 in the first 3 months	$715
Apply Now	Graph Card		More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 515 x $1 = $515 Bonuses 0 x $1 = $200 Total Net Estimated Rewards Through 24 Months 715 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 APR 14.74% - 22.74% (Variable) Card Details Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that No annual fee Use Spark Cash Select across all your business spend, with no categories to limit your purchasing 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 Note: The information in this box was provided by Capital One® and is not part of our independent analysis.
Capital One® Quicksilver® Card
	$0	1.94%	$150 Get $150 bonus after spending $500 within the first 3 months	$665
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 515 x $1 = $515 Bonuses 0 x $1 = $150 Total Net Estimated Rewards Through 24 Months 665 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 APR 14.74% - 24.74% (Variable) Card Details One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening Earn unlimited 1.5% cash back on every purchase, every day No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months Pay no annual fee or foreign transaction fees Note: The information in this box was provided by Capital One® and is not part of our independent analysis.
Discover it® Cash Back
	$0	1.50%	$171 INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.	$514
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 343 x $1 = $343 Bonuses 171 x $1 = $171 Total Net Estimated Rewards Through 24 Months 514 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 APR 13.74% - 24.74% Variable Card Details Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Redeem cash back any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout. Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. No annual fee. Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Student Cash Back
	$0	1.50%	$171 INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.	$514
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 343 x $1 = $343 Bonuses 171 x $1 = $171 Total Net Estimated Rewards Through 24 Months 514 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 APR 14.74% - 23.74% Variable Card Details INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. No annual fee. No late fee on first late payment. No APR change for paying late. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds. Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%. Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Secured
	$0	1.50%	$171 INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.	$514
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 343 x $1 = $343 Bonuses 171 x $1 = $171 Total Net Estimated Rewards Through 24 Months 514 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $0 APR 24.74% Variable Card Details No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use. Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit. We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically. INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One® QuicksilverOne® Cash Rewards Credit Card
	$39	1.27%	$0	$437
Apply Now	Graph Card	Read Review	More Details and Value Calculation
Estimated Rewards Through 24 Months Card Rewards Estimated Rewards Value Dollars* Spending Rewards 515 x $1 = $515 Less Annual Fees -$78 Total Net Estimated Rewards Through 24 Months 437 *The value estimate is calculated using ValuePenguin.com rewards point value. Annual Fee $39 APR 24.99% (Variable) Card Details Earn unlimited 1.5% cash back on every purchase, every day Earn cash rewards without signing up for rotating categories Get access to a higher credit line after making your first 5 monthly payments on time Monitor your credit profile with the CreditWise® app, free for everyone $0 fraud liability if your card is ever lost or stolen No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account Help strengthen your credit for the future with responsible card use Get customized alerts and manage your account with the Capital One mobile app Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

How to Choose the Best Credit Card

Your credit score is the biggest determining factor in what credit card you can get, so that should be the first place you start. If you have a FICO score above 720+ and a credit history longer than 2 years, you'll likely qualify for most offers. If you have a worse credit score, make sure to look above for our card recommendations that cater to a specific credit score; no credit (student), bad credit (FICO below 620), or average credit (FICO between 620 and 680).

Second, if you carry a balance on your credit card from month to month, you should get a low interest credit card (such as a balance transfer card). Prioritize this over rewards. No amount of rewards you earn can make up for a credit card's high interest rates. For most people, the Chase Slate® will be the best option.

If you never carry a balance, you should get a rewards credit card. The average consumer that spends $1,000 or less on their card each month will get the best results with a cash back credit card. These typically have no annual fees, are extremely simple to use, and put the most money back in your pocket on everyday purchases like gas, groceries and restaurant dining.

Individuals spending over $1,000 should consider a travel credit card. While these charge annual fees, at that level of spending travel cards typically produce the best net returns. They have significantly bigger bonuses (worth hundreds of dollars) that can offset the cost of the annual fee for up to 5 years. Anyone spending over $1,000 monthly will have no trouble qualifying for these bonuses.

You should only get a co-branded airline or hotel credit card if you are a loyal customer of that particular brand. These cards have the richest rewards of any credit card on the market. However, they also come with the most restrictions, which are usually a deal breaker for a casual consumer that just wants to occasionally get cash back or pay for a flight with points/miles. Co-branded cards are worth it if you're looking to enhance your relationship with a brand you already support.

How We Arrived at Our Picks

In an effort to provide readers with the most comprehensive list of best-in-class credit cards, our research team started with a database of 401 credit cards. We've been collecting data on credit cards for the last five years, meticulously cataloging interest rates, rewards, bonuses, features and fees. Our credit card database contains products from America's top 10 largest banks and credit unions. We also include the most popular credit cards from smaller, regional banks and financial institutions. Lastly, we're also always on a lookout for stellar cards that are under the radar, which we find by going through online message boards, blogs and review sites.

Once we had a comprehensive list of cards, we began to narrow down the list by identifying cards that were worse than the industry average in specific categories, like fees and rewards. We did this for each of the popular consumer categories (like airline, travel, rewards, cash back, balance transfer, etc.). Once we identified the top 5% in each group, we modeled and pitted the cards in 1v1 comparisons to each other to see which ones win out on both quantitative and qualitative features.

For 2018, we're using a new grading system that allowed us to judge cards within each category based on rigorous criteria. The new methodology gave us a better, more well rounded look at each card and what it offered.

Selection Criteria

Rewards rates above 2%. Among the most outstanding credit cards, consumers should be able to get above a 2% return on their most important shopping categories. For example, if most of your monthly expenses go towards gas and groceries, the best credit card you can get in this category should give you 2% back or more on every one of these types of purchases. Anything lower will not be the best credit card for you.

Net 2-year rewards and 2-year savings. We considered average consumer spending and average credit card debt, based on data from the Bureau of Labor Statistics and the Federal Reserve. For each, we modeled the returns consumers can expect from cards over a 2-year period. We’ve calculated that consumers should be walking away with no less than $700 in net rewards with the best card options. A balance transfer credit card ought to translate to a savings of around $300 over two years.

Fees. Our team evaluated the merit of each card’s fees (foreign transaction, annual membership, etc.). We considered whether these fees were reasonable given the specific category a card was in, relative to what consumers were getting out of it. For example, it may be appropriate for a good credit card to charge a $450 annual fee given that it provides a $300 travel credit, and a extremely high rewards compared to other cards.

Interest Rates and Promotions. Interest rates and promotions were used when evaluating balance transfer credit credit cards. The average interest rate among all credit cards is 15%, but so long as a card charges less than 20% it still falls within the normal parameters. Interest rates are less important when it comes to rewards credit cards, because any rewards card user should never carry a balance on their credit card.

Point Transferability and Flexibility. We believe the strongest credit cards should not restrict its users unduly. Our analysts looked through each card rewards programs’ redemption flexibility. For example, we'd give strong preference to a card that allows users to use its points to book airfare with 10 different airlines as opposed to a card that only allows you to book flights with one.

Credit Cards that Missed the Cut

Citi® Double Cash Card: The Citi® Double Cash Card is one of the better cards for earning cash back rewards as it awards 1% cash back on purchases and then another 1% back as you pay for those purchases. However, the card suffers from its lack of sign-up bonus, which is a feature that's present in most cash back cards. Even cards that don't offer a sign-up bonus have some way to compensate, such as a first-year match. Ultimately, we felt the Discover it® Cash Back offered more value to most consumers since it wouldn't take much spending it its rotating categories to outearn the cash back offered by the Citi® Double Cash Card.

Chase Sapphire Reserve®: This is an excellent travel card, but unfortunately, its high annual fee means that this card won't be worthwhile for everybody. Yes, the Chase Sapphire Reserve® offers greater rewards than the Chase Sapphire Preferred® Card, but the $450 annual fee means users will have to spend a lot of money on the card and use the $300 annual travel every year to break even on the fee. Both cards are some of the best when it comes to travel rewards and points, but if we were forced to pick one, we'd prefer the lower annual fee option.

Southwest Rapid Rewards® Premier Credit Card: The Southwest Rapid Rewards® Premier Credit Card card offers one of the top sign-up bonuses and excellent rewards on travel, but only for Southwest frequent flyers. Unfortunately, the card comes with a few restrictions that hold it back. The points you earn can't be transferred to other airlines, so it’s usefulness is limited. Since Southwest doesn't have a wide selection of international destinations, it limits the card's utility to domestic travelers.