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Best Credit Cards

Last update: May 28, 2015

best credit card deals The best credit cards are those that stand out from their peers in a given category– whether that’s interest rates, rewards or tools to rebuild damaged credit. After all, there is no single credit card that offers the best possible terms across the board. Below you will find CardHub’s editors picks for the best cards in each credit segment, selected from more than 1,200 overall offers. While advertising status played no role in our selection of these cards, certain sponsored offers may be included.

This list contains a mixture of credit cards offering lucrative initial rewards bonuses, high regular rewards earning rates, and 0% introductory periods on both purchases and balance transfers. To see our best card picks arranged by type of benefit (e.g. best rewards cards or best balance transfer cards), use the drop down menu to the right.

Excellent Credit Best Credit Cards for Excellent Credit
Citi® Diamond Preferred® Card

citi diamond preferred card Apply Now

  • Purchase Intro APR: 0% for 21 months
  • Transfer Intro APR: 0% for 21 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 11.99% - 21.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Diamond Preferred Card offers the longest 0% introductory term on the credit card market, at 21 months. While the 0% rate applies to balancemore
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Chase Slate®

chase slate Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: None
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0
  • Rewards: None
  • Editor's Notes: Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory ratmore
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Barclaycard Arrival Plus™ Credit Card

barclaycard arrival plus

  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months
    • Transfer Fee: 3%
  • Regular APR: 15.99% - 19.99% (V)
  • Annual Fee: None 1st yr, $89 after
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 2 miles/$1
    • Max Earn: 2 miles/$1
  • Editor's Notes: Best for Rewards. The Barclaycard Arrival Plus World Elite MasterCard is one of a select few offers providing consumers with the oppomore
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Capital One® Venture® Rewards Credit Card

capital one venture Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 12.9% - 22.9% (V)
  • Annual Fee: $0 for 1st yr, $59 after
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 2 miles / $1
    • Max Earn: 2 miles / $1
  • Editor's Notes: Best for Rewards. The Capital One Venture Rewards Credit Card has one of the best rewards on the market. The 40,000 bonus miles you gmore
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Citi® Double Cash Card

citi double cash card Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0*
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 2%
  • Editor's Notes: Best for Cash Back Rewards. The Citi Double Cash Card is one of the best everyday rewards cards on the market given that it will earnmore
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Frontier Airlines Credit Card

frontier airlines credit card

  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: 3%
  • Regular APR: 15.99% - 24.99% (V)
  • Annual Fee: $69
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 1 miles / $1
    • Max Earn: 2 miles / $1
  • Editor's Notes: Best for Free Flights. The Frontier Airlines World MasterCard is an interesting option for opportunistic travelers, as the 40,000 bonmore
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Club CarlsonSM Premier Rewards Visa Signature® Card

club carlson premier credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3%
  • Regular APR: 13.99% - 22.99% (V)
  • Annual Fee: $75
  • Rewards: Points
    • Bonus: 85,000 points
    • Base Earn: 5 points /$1
    • Max Earn: 10 points /$1
  • Editor's Notes: Best for Free Hotel Stays. While some people might be turned off by this card’s $75 annual fee, that fixed cost pales in comparison tmore
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Good Credit Best Credit Cards for Good Credit
Capital One® Platinum Prestige Credit Card

capital one platinum prestige Apply Now

  • Purchase Intro APR: 0% until August 2016
  • Transfer Intro APR: 0% until August 2016
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 20.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing anmore
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Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver Apply Now

  • Purchase Intro APR: 0% until February 2016
  • Transfer Intro APR: N/A N/A
    • Transfer Fee: 3%
  • Regular APR: 12.9% - 22.9% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. The relatively new Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s more
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Fair Credit Best Credit Cards for Fair Credit
Barclaycard® Rewards MasterCard®

barclaycard credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3%
  • Regular APR: 24.99% (V)
  • Annual Fee: None
  • Rewards: Points
    • Bonus: None
    • Base Earn: 1 point/$1
    • Max Earn: 2 points/$1
  • Editor's Notes: Best for Low Cost Credit Improvement. This card offers exactly what most people with fair credit are looking for: no annual fee (whimore
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Capital One® QuicksilverOne® Cash Rewards Credit Card

quicksilverone rewards Apply Now

  • Purchase Intro APR: 0% until February 2016
  • Transfer Intro APR: N/A N/A
    • Transfer Fee: None
  • Regular APR: 22.9% (V)
  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Limited History Best Credit Cards for Limited History
College Students
Journey® Student Rewards from Capital One®

capital one student rewards credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 19.8% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 1.25%
  • Editor's Notes: Best for College Students. Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards withoumore
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BankAmericard® for Students Credit Card

bank of america student platinum plus visa credit card

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: 3%
  • Regular APR: 10.99% - 20.99% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for College Students. It’s rare for a student credit card to offer terms comparable to the best credit cards on the market, but more
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Non-College Students
Capital One® Platinum Credit Card

capital one standard platinum Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 24.9% (V)
  • Annual Fee: $0 for 1st yr, $19 after
  • Rewards: None
  • Editor's Notes: Best for Low Cost Credit Improvement. Given that it does not charge an annual fee during the first year, the Capital One Platinum Cremore
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Capital One® QuicksilverOne® Cash Rewards Credit Card

quicksilverone rewards Apply Now

  • Purchase Intro APR: 0% until February 2016
  • Transfer Intro APR: N/A N/A
    • Transfer Fee: None
  • Regular APR: 22.9% (V)
  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Bad Credit Best Credit Cards for Bad Credit
Secured Card
Capital One® Secured MasterCard®

capital one secured credit card Apply Now

  • Min Deposit: $49, $99 or $200
  • Annual Fee: None
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 24.9% (V)
  • Editor's Notes: Best Partially Secured Card. While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its clamore
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Harley-Davidson® Secured Credit Card

harley davidson secured credit card

  • Min Deposit: $300
  • Annual Fee: None
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.99% (V)
  • Editor's Notes: Best Fully Secured Card. Don’t let the branding fool you, the Harley Davidson Secured Credit Card is one of the best secured cards onmore
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About our Editor's Picks

Our editors' recommendations for the Best Credit Cards are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

What is the best credit card to have?

By: Odysseas Papadimitriou, CardHub CEOWhile some credit cards do provide great overall options, it's easiest to determine the best credit card for you as an individual if you know exactly what you will be using the card for. Card Hub's Island Approach recommends having individual credit cards for different purposes, such as earning rewards on everyday purchases, making balance transfers, etc. By concentrating on getting the best credit cards for individual transaction-types, you'll likely be able to get a better combination of rates and rewards than that found on any individual credit card.

How often do the best credit cards change?

By: John Kiernan, Personal Finance EditorOur editors add appropriate offers to this page as soon as they are introduced. Credit card companies change the terms and rewards associated with their products regularly, and as such, the best credit card offers may change regularly as well. Therefore, the Best Credit Cards 2010 will almost certainly differ from the Best Credit Cards 2011. The cards listed on this page also fluctuate based on the rules governing the credit card industry. For example, the best credit cards for college students and young adults changed drastically after the passage of the Credit CARD Act since anyone under the age of 21 now needs a co-signer or proof of income to open a credit card.

What are the best credit card companies?

By: Odysseas Papadimitriou, CardHub CEOFirst of all, it's important to make the distinction between credit card companies and credit card networks. Credit card companies issue credit cards, set rates, charge fees and hold your accounts. A card's network simply dictates where you can use it. The best credit card company for you is simply the one with the best offers. Determining the best credit card deals is far easier now because the Credit CARD Act improved the transparency of the credit card industry and increased the reliability of credit card terms. Now, if a credit card offer looks to be the best, you can be sure it is. The most widely accepted credit card networks are VISA and MasterCard. Still, this does not mean you should go out looking for the best Visa credit card or the best MasterCard offering. All four major networks (Discover and American Express included) have wide coverage in the U.S., so don't limit your search unless you have a very good reason to get a card on a particular network.
COMMUNITY DISCUSSION

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
May 23, 2015
By:
My favorite credit card is the Citi Double Cash card. I get 2% cash back on every purchase, so I use this card for nearly every purchase. In addition to all the cash back I earn, I'm still on a 0% APR introductory offer for a year and there's no annual fee. Once the introductory period is over, I'll pay off the full balance every month so I don't incur any fees. This is a great card for anyone who pays off their monthly bill in full every time. I highly recommend this card. You can't get anything better than 2% cash back on every purchase.
May 5, 2015
By:
The best credit card I own is the Capital One Quicksilver Cash Rewards Credit Card. Since I have owned it I had great experiences with it! The customer service is fantastic, Every issue I've had has been resolved in minutes. And speaking of issues, I've only had one or two. the APR is low, and there are no annual fees. I highly recommend checking it out if you are looking for a good credit card with low interest. You wont regret it. I only have two credit cards and by far I am the most happiest with my Quicksilver Cash Rewards Credit Card.
Apr 16, 2015
By:
The best Credit I've owned thus far was through Chase. I researched around for cards that had cash back opportunities and air miles. Like everyone else, I use debit/credit cards almost daily, and this card just seemed to make the most sense for me. I pay it off monthly and rinse and repeat, while my getting cash back and piling up the air miles.
Mar 27, 2015
By:
Hands down the best credit card I have ever owned is my Capital One QuickSilver cash REWARDS credit card. What really sells me in regards to credit cards is NO annual fee, and this one sold me. No annual fee ever and you receive rewards for the purchases you make with the credit card? Count me in, totally sold. I've had this card for 3 years now and not only has it saved me loads of money because I don't have to pay annual fees, but I also accumulate rewards that I can redeem with the credit card as purchase vouchers AND of course I have built my credit score up, naturally. Looking for a credit card? Look for no annual fees, comfortable rewards, and hassle free purchases.
Mar 21, 2015
By:
The best credit card that I have used has been the Chase Freedom credit card. They have excellent customer service and have waived late fees for me the few times that I have been late. The fraud protection is almost instant, as I had my card stolen once. The interest rate is quite fair. You also have the 5% cash back bonus is great! You accumulate the bonus with everyday purchases, such as gas and groceries, and you can use the bonus as a statement credit or for rewards. I also have low minimum monthly payments and I was able to pick my due date for payments.
Mar 4, 2015
By:
I think the BankAmericard for Students credit card is the best because it has 0% purchase and transfer into APR for 15 months, which is great for me because I’m a student and cannot afford these expenses immediately. There is no annual fee which is also really convenient. The main drawback is that there are no rewards but that is alright with me because I like to keep it simple. After the initial 15 months is up the APR rises to 10.99%-20.99% which still isn’t bad at all.
Feb 26, 2015
By:
I think the Chase Freedom Cash Back Credit Card is one of the best cards out there. It is easy to use and easy to redeem the cash back. Depending on how much you use this card, you can earn a quite a bit of cash back since it’s a 5% cash back rate. I use this card for all my every day purchases, like I would cash or a debit card, and I use it for larger purchases such as airfare, hotels, large shopping trips. I don’t like paying interest fees, and while the APR is low on this card, I’m sure to still pay it off in full each month. I love that I am spending and earning money at the same time! I would recommend this card for anyone looking for a new credit card.
Feb 17, 2015
By:
My favorite credit card has been the Bank of America card I had when I used the online banking service. I don’t know about other credit cards but this one seemed to work fine for me. It handled my needs very well and I was easily able to see the balance. Making payments was simple online and Bank of America provided me support when I needed it. This was done with an account with little to no fees because I chose online only. I was overall satisfied about this card however I have not used another card since having that card.
Jan 23, 2015
By:
My favorite credit card is my Amazon Rewards Card from Chase. I almost exclusively shop on Amazon, so the 3% back I get from Amazon purchases really adds up. The 2% back from gas stations, restaurants, and drug stores is nice too. All other purchases are 1% back, but even that adds up. The interest rate is fairly high, but as long as you pay off the balance monthly there is no interest charge. There is also no annual fee, so as long as you are on time with your payments and pay off the balance, the card and the rewards come at no cost to you. You can use your rewards points as soon as your statement closes, regardless of the amount, so there is no waiting to receive gift cards, or waiting to accrue enough points to use. I also discovered that while you can shop on Amazon with your points, there are many other ways you can "spend" your points. I like to apply my points to my statement balance every month (this option does require a minimum of 2000 points, but that is not a problem for me). That way when I shop on Amazon I still get my 3% back, which I do not get when I shop with points.
Jan 14, 2015
By:
The best credit card that I have ever used is the American Express Blue Cash rewards card. First, it is American Express - their customer service in my opinion is the top out of all the companies. They are very reponsive to problems - a week after we got our cards, my wife's card stopped working – the electronic strip was messed up. This was a Friday – I called them, and they shipped a new card overnight via UPS – on a Saturday, which I know is very expensive. The Blue Cash rewards card gives you points on virtually everything, but the one thing I like is that it gives you 5% back on groceries and gas. However, the 5% doesn't work at Walmart/Target or warehouse places like Costco, so if you do a lot of your shopping there it might not be worth it. Also, if you get the card, there are always sign-up bonuses. When I got mine, it was $250 back when you spend your first $1000 in the first three months – which is a VERY good deal. It was pretty much like a free $250 in our pocket. Also, the interest rate is good and there is no annual fee.
Jan 1, 2015
By:
What do I do next to get the Harley davidson card
Dec 24, 2014
By:
The best credit card for me is the Chase Signature Rewards Visa card, specifically the Amazon reward card offered by Chase. Honestly, this may not be the best card for everyone, but for me, it is excellent. The biggest negative aspect of this is the interest rate. At over 19% APR there are hundreds of other cards on the market with lower interest rates. If anyone is looking for a low rate credit card, this one is not for you. The positive aspects of the card are what really drew me to it. I found this card a few months ago while shopping on Amazon. They offered an instant $70 gift card upon approval. I signed up and within minutes, I had a $70 credit in my Amazon account. I pay off my card debt every month and never carry a balance so the interest rate was irrelevant to me. The other huge positive is they offer 3% back on all purchases on Amazon. Since I do a great deal of business on Amazon, I have switched all payments to using this card and I am earing 3% on basically everything. They do offer 1% on other purchases, but that is pretty standard in the industry, it is the 3% that is going to keep me coming back and using this card on all my Amazon purchases.
Oct 23, 2014
By:
The best credit which I have is my BOA VISA Cash reward credit card. I have been using this since 2010. This has a bit high interest rate compared to my other cards.
But one thing I like about this card is cash rewards. Whatever I buy, i get cash rewards. I get minimum of $25 in a billing cycle and I am not paying that much interest to this card. Another positive point about BOA cards is the customer service and on how they care their customer when he/she find out suspicious or fraud transactions. They themself called me and said we are sending you new card as they found somebody tried to use it suspicioulsy
Oct 6, 2014
By:
I used the Capitol One Secured MasterCard, and I found it to be a fantastic card for first time credit card users. Because it is a secured card, you can't go over the limit since what you pay into the card is what your limit is. The APR is a bit high, but if you manager you budget right, and you do not go over your limit, this card can be a great way to build credit for people with bad credit or no credit. I used this card when I was in college, and I used it to buy small items and paid the balance off immediately. Doing that allowed me to build a great credit record by the time I was 25 years old while not being in credit card debt.
Sep 27, 2014
By:
I really like the Chase Freedom credit card. They have a bunch of bonuses like earning $100 after spending $500 in your first 3 months and 5% cash back for 3 months.
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