Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Which Bank Credit Card is Best?

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

Each bank has a dizzying array of credit cards to choose from. That's why our team of analysts decided to compile a list of the best credit cards available through each major U.S. bank. No matter which bank you choose to do business with, we offer up our thoughts on the best credit card offered by that bank.

Recommended cards

Best forCredit neededAnnual fee
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® CardChaseExcellent$95 ($0 first year)
Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® CardWells FargoGood/Excellent$0
Citi® Double Cash Card
Citi® Double Cash CardCitiGood/Excellent$0
Bank of America® Cash Rewards credit card
Bank of America® Cash Rewards credit cardBank of AmericaGood/Excellent$0
Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit CardCapital OneGood/Excellent$95 ($0 first year)

Below, we discuss the benefits and features of each of the best bank credit cards. You can also skip to our credit card comparison tool at the bottom to see which specific card works best for your spending patterns.

Best Chase Credit Card

On Chase's Secure Website

Chase Sapphire Preferred® Card

On Chase's Secure Website
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Earn 60,000 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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, 60,000 points are worth $750 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
  • Earn 60,000 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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, 60,000 points are worth $750 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
Annual Fee
$95
Regular APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Chase Sapphire Preferred® Card is not only one of the best Chase Bank credit cards; it's flat-out one of the best rewards cards available. That's mainly because Chase Ultimate Rewards®, which is Chase's points program, allows you to transfer points to a variety of airline and hotel partners. This gives cardholders ultimate flexibility when making travel plans with their credit card points.

In exchange for a $95 annual fee, users can earn 2 points for every dollar spent on travel and dining at restaurants and 1 point per dollar spent on all other purchases. Additionally, the card doesn't charge a foreign transaction fee, making it the perfect travel card. Currently, users can earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

Best Wells Fargo Credit Card

On Wells Fargo's Secure Website

Wells Fargo Propel American Express® Card

On Wells Fargo's Secure Website
Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Annual Fee
$0
Regular APR
16.24% to 27.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Wells Fargo Propel American Express® Card is one of the top cash-back credit cards available. While the card doesn't charge users an annual fee, it does offer a lot of points for a variety of purchases. For example, cardholders can earn 3x points for eating out, ordering in, and spending at gas stations, ride-shares and transit purchases. Users also earn 3 points per dollar spent on travel and 1 point per dollar spent on all other purchases.

The card is also highly competitive to other cards when it comes to a sign-up offer. Currently, users can earn 30,000 bonus points when they spend $3,000 in purchases within the first three months of account opening. We estimate 30,000 bonus points to be worth $300. Other cash-back cards typically come equipped with sign-up bonuses with a value in the range of $150 to $200.

Best Citi Credit Card

On Citi's Secure Website

Citi® Double Cash Card

On Citi's Secure Website
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Annual Fee
$0*
Regular APR
15.74% - 25.74%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Citi® Double Cash Card is one of the most versatile cards out there because it awards an effective 2% cash-back rate on all purchases. Users earn 1% cash back when they make a purchase and another 1% back as they pay. This simplicity is great for users who don't want to think about "bonus categories" and simply want a high cash-back rate on every purchase they make.

Cardholders will make a trade-off with this card, as it doesn't come with a sign-up bonus. Other cash-back cards typically offer bonuses valued at more than $100. If you're interested in a cash-back card with a sign-up bonus, we recommend you read more about the Wells Fargo Propel American Express® Card.

Best Bank of America Credit Card

On Bank of America's Secure Website

Bank of America® Cash Rewards credit card

On Bank of America's Secure Website
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR on purchases
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Bank of America® Cash Rewards credit card is a great credit card to have in your wallet if you have predictable expenses. That's because cardholders can earn 3% in the category they choose from the following list:

  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drug stores
  • Home improvement/furnishings

Additionally, users earn 2% back at grocery stores and wholesale clubs all the while earning 1% cash back on all other purchases. The 3% and 2% cash-back rates are limited to the first $2,500 in combined spending in the choice category and purchases at grocery stores and wholesale clubs each quarter. There's no annual fee, making it a great choice for anyone who is budget-conscious.

Best Capital One Credit Card

On Capital One's Secure Website

Capital One® Venture® Rewards Credit Card

On Capital One's Secure Website
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
17.99% - 25.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Capital One® Venture® Rewards Credit Card makes for a fantastic travel credit card, as cardholders earn 2 miles per dollar spent on every purchase. Additionally, it makes traveling a bit better with its $100 application fee credit for Global Entry or TSA Precheck. Both programs allow you to breeze through security checkpoints at airports. Being a member of such programs allows you to keep your laptop in your bag and go through security without having to take your shoes off.

The card charges a $95 annual fee, but it's waived in year one. Furthermore, the card gives users 50,000 bonus miles once they spend $3,000 on purchases within the first three months of account opening. We estimate this bonus to be worth $500, making it a highly competitive credit card sign-up bonus. Overall, the Capital One® Venture® Rewards Credit Card is a fantastic credit card.

Compare Bank Credit Cards

Use our credit card comparison tool to evaluate how each card works for your own spending habits. You can adjust your spending, and the tool will automatically update.

Image
Assumptions based on $1,430 monthly spend
Monthly spending:
$
$
$
$
$
$
$
$
{"cardCategory":"rewards","cardIds":"196,1093,251,163","initialResultsLimit":14,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}
Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).