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Best credit cards in USA

Top 5/Top 10/Top 17, Rewards Rate, features...

BEST SIGN-UP BONUS CREDIT CARD

BEST SIGN-UP BONUS CREDIT CARD

Chase Sapphire Preferred ® Card

Rewards Rate:

2X - points on travel and dining at restaurants worldwide

1X - 1 point per dollar spent on all other purchases

Credit card features:

The Chase Sapphire Preferred offers a great sign-up bonus of 50,000 points (after $4,000 spend on purchases within first 3 months) and lets you combine points with those earned on other Chase cards. Experienced rewards-card users can find a ton of value in this card.

BEST CASH BACK CREDIT CARD FOR FLAT-RATE REWARDS

BEST CASH BACK CREDIT CARD FOR FLAT-RATE REWARDS

Capital One ® Quicksilver ® Cash Rewards Credit Card

Rewards Rate:

1.5% - Earn unlimited 1.5% cash back on every purchase, every day

Credit card features:

This card's flat-rate offer of 1.5% cash back means that your everyday spending on such items as gas and groceries gets the same treatment as bigger purchases such as car repairs. That means your rewards add up more quickly than it would with the common 1% back on all other purchases that other cards might have.

BEST CASH BACK CREDIT CARD FOR EVERYDAY SPENDING

BEST CASH BACK CREDIT CARD FOR EVERYDAY SPENDING

Discover it ® Cash Back

Rewards Rate:

5% - Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

1% - Earn 1% unlimited cash back on all other purchases – automatically.

Credit card features:

This card offers huge everyday earning potential considering the 5% cash back

Rewards Rate:

on rotating categories like gas, restaurants, wholesale clubs, and more (up to the quarterly max; activation required). Discover will also match all the cash back you earn at the end of your first year, which is a tough cash offer to pass up.

BEST TRAVEL REWARDS CREDIT CARD

BEST TRAVEL REWARDS CREDIT CARD

Capital One ® Venture ® Rewards Credit Card

Rewards Rate:

10X - Earn 10X miles on thousands of hotels; learn more at hotels.com/venture

2X - Earn 2X miles on every purchase, every day

Credit card features:

Straightforward rewards aimed at frequent travelers. With a generous sign-up bonus of 50,000 miles (with $3,000 spend on purchases within the first 3 months) and a high

Rewards Rate:

of two miles per dollar of spending, the Venture Card is a wise choice for simple travel rewards.

BEST REWARDS CREDIT CARD

BEST REWARDS CREDIT CARD

Wells Fargo Propel American Express ® Card

Rewards Rate:

3X - Earn 3X points for eating out and ordering in

3X - Earn 3X points for gas stations, rideshares and transit

3X - Earn 3X points for travel including flights, hotels, homestays and car rentals

1X - Earn 1X points on other purchases

Credit card features:

Wells Fargo's newest card offers 3X points on dining, gas, travel, and select streaming services. That's a big

Rewards Rate:

in more categories than cardholders are used to - plus, the bonus categories include extras like rideshares and rental cars.

BEST 0% APR CREDIT CARD

BEST 0% APR CREDIT CARD

Citi Simplicity ® Card

Rewards Rate:

This card doesn't offer cash back, miles, or points

Credit card features:

Those with the Citi Simplicity ® Card will enjoy the longest intro purchase APR offered by Citi and one of the longest available anywhere. You'll also be happy to know there are no late fees, no penalty rates, and no annual fee.

BEST NO ANNUAL FEE CREDIT CARD

BEST NO ANNUAL FEE CREDIT CARD

Chase Freedom Unlimited ®

Rewards Rate:

1.5% - Unlimited 1.5% cash back on every purchase — it's automatic!

Credit card features:

Cards with no annual fee are often lackluster in their rewards, but not this one. The Chase Freedom Unlimited not only has a respectable sign-up bonus, there's also a 1.5% cash back offer on all purchases.

BEST BALANCE TRANSFER CREDIT CARD

BEST BALANCE TRANSFER CREDIT CARD

Discover it ® Balance Transfer

Rewards Rate:

5% - Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

1% - Earn 1% unlimited cash back on all other purchases – automatically.

Credit card features:

Transfer an existing balance onto this card and you'll have 18 months to pay it off, interest-free (then 13.99% - 24.99% variable APR applies). Discover's first-year cash back match is also in play, meaning you can spend conservatively and still earn a nice reward at the end of your first year.

BEST DINING CREDIT CARD

BEST DINING CREDIT CARD

Capital One ® Savor ® Cash Rewards Credit Card

Rewards Rate:

4% - Earn unlimited 4% cash back on dining and entertainment

2% - Earn 2% at grocery stores

1% - Earn 1% on all other purchases

Credit card features:

The newly-revamped Savor ® Card offers 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. If you dine out often and would rather have simple cash rewards instead of points and miles, you can't go wrong with the new Savor ® reward rates.

BEST GAS CREDIT CARD

BEST GAS CREDIT CARD

Blue Cash Everyday ® Card from American Express

Rewards Rate:

3% - 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)

2% - 2% cash back at U.S. gas stations and at select U.S. department stores

1% - 1% back on other purchases

Credit card features:

The Blue Cash Everyday ® Card from American Express earns 2% cash back at U.S. gas stations, with no annual fee. If you're interested in saving up front and in the long run, this card is an asset when it comes to everyday spending on gas. Terms Apply.

BEST LOW INTEREST CREDIT CARD

BEST LOW INTEREST CREDIT CARD

Capital One ® VentureOne ® Rewards Credit Card

Rewards Rate:

10X - Earn 10X miles on thousands of hotels; learn more at hotels.com/venture

1.25X - Earn 1.25X miles on every purchase, every day and pay no annual fee

Credit card features:

The Capital One ® VentureOne ® Rewards Credit Card and its favorable regular APR is especially nice considering you'll earn 1.25X miles on every purchase. If you're looking to save on interest and earn travel rewards every day, this is your new go-to card.

BEST NO FOREIGN TRANSACTION FEE CREDIT CARD

BEST NO FOREIGN TRANSACTION FEE CREDIT CARD

Bank of America ® Travel Rewards credit card

Rewards Rate:

1.5X - Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire

Credit card features:

This card will net you 1.5 points per dollar spent on all purchases; and there’s no annual fee. The flat-rate rewards structure is especially valuable considering there’s no foreign transaction fee, either. Use it to pay for your vacation and take it with you—you’ll come home to a healthy supply of points.

BEST AIRLINE MILES CREDIT CARD

BEST AIRLINE MILES CREDIT CARD

Citi®/AAdvantage ® Platinum Select ® World Elite™ Mastercard ®

Rewards Rate:

2X - 2 AAdvantage ® miles on eligible American Airlines purchases*

2X - 2 AAdvantage ® miles for every $1 spent at gas stations*

2X - 2 AAdvantage ® miles for every $1 spent at restaurants*

Credit card features:

The large sum of bonus miles is valuable for those who most often fly on American Airlines. Unlike a lot of airline credit cards, you’ll also earn bonus miles on categories beyond airfare—the Citi / AAdvantage Platinum Select World Elite Mastercard yields 2 miles per dollar at gas stations and restaurants, in addition to American Airlines purchases.

BEST BUSINESS CREDIT CARD

BEST BUSINESS CREDIT CARD

Ink Business Unlimited? Credit Card

Rewards Rate:

1.5% - Earn unlimited 1.5% cash back on every purchase made for your business

Credit card features:

You have options with the Ink Business Unlimited Credit Card. Either maintain a simple rewards program for your business, knowing that you are earning 1.5% cash back on every purchase made for your business with the card, or pair it with a premium card like the Ink Business Preferred and convert your cash back into Chase Ultimate Rewards points.

BEST FAIR CREDIT CREDIT CARD

BEST FAIR CREDIT CREDIT CARD

Capital One ® Platinum Credit Card

Rewards Rate:

This card doesn't offer cash back, miles, or points

Credit card features:

Help strengthen your credit while maintaining flexibility. With the Capital One Platinum card, you have the ability to choose the monthly due date that works for you. After five months of on-time payments, your credit line may increase.

BEST CREDIT CARD FOR BAD CREDIT

BEST CREDIT CARD FOR BAD CREDIT

Credit One Bank ® Visa ® Credit Card

Rewards Rate:

1% - Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.

Credit card features:

You’ll have the opportunity to earn 1% cash back on eligible purchases while building your credit. The flexibility to choose your own payment date and set up custom credit limit alerts also makes it easy to track your credit-building progress.

BEST STUDENT CREDIT CARD

BEST STUDENT CREDIT CARD

Discover it ® Student Cash Back

Rewards Rate:

5% - Earn 5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate.

1% - Earn 1% unlimited cash back on all other purchases – automatically.

Credit card features:

College students will love the 5% cash back on rotating categories each quarter like gas stations, grocery stores, restaurants, and Amazon.com upon activation (up to the quarterly max; activation required). Plus they get 1% cash back on non-bonus category purchases.