Best Credit Cards

Last update: Apr 23, 2014

best credit cards People often ask, "What is the best credit card?" The truth is that the best credit card depends on the exact purpose you intend to use it for (day-to-day purchases, balance transfers, etc.). Still, some cards do stand out overall. Our editors believe that the credit card offers listed below are among the best in combining most (or all) of the following features: 0% purchase intro rate, a low balance transfer intro rate, and great rewards for every dollar spent. Read more about our Editor's Picks for the Best Credit Cards.

Excellent Credit Best Credit Cards for Excellent Credit
Chase Slate®

slate credit card 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: The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory rate and charges neither a balance transfer fee more
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Citi® Diamond Preferred® Card

citi diamond preferred card Apply Now

  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: 0% for 18 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 18 months. While the 0% rate applies to balancemore
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Chase Sapphire Preferred® Card

chase sapphire preferred credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3%
  • Regular APR: 15.99% (V)
  • Annual Fee: None 1st yr, $95 after
  • Rewards: Points
    • Bonus: 40,000
    • Base Earn: 1 point / $1
    • Max Earn: 3 points / $1
  • Editor's Notes: While you might be able to find an initial bonus that offers more points/miles than the Chase Sapphire Preferred Card, it’s hard to argue against thismore
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Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

barclaycard arrival world mastercard credit card Apply Now

  • Purchase Intro APR: 0% for 12 months
  • Transfer Intro APR: 0% for 12 months
    • Transfer Fee: 4%
  • Regular APR: 14.99% or 18.99%
  • Annual Fee: None 1st yr, $89 after
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 2 miles/$1
    • Max Earn: 2 miles/$1
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Blue Cash Preferred® from American Express

Blue Cash Credit Card Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: 3%
  • Regular APR: 12.99%-21.99% (V)
  • Annual Fee: $75
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1%
    • Max Earn: 6%
  • Editor's Notes: The Blue Cash Preferred Card from Amex is one of the best everyday rewards cards on the market given its exceptional earning rates in important spendimore
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Frontier Airlines World MasterCard®

frontier airlines credit card Apply Now

  • Purchase Intro APR: 0% for 12 months
  • Transfer Intro APR: 0% for 12 months
    • Transfer Fee: 3%
  • Regular APR: 15.99% - 24.99% (V)
  • Annual Fee: $69
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 1 mile / $1
    • Max Earn: 2 miles / $1
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Club CarlsonSM Premier Rewards Visa Signature® Credit Card

club carlson premier rewards visa signature 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
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Good Credit Best Credit Cards for Good Credit
Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Purchase Intro APR: 0% until July 2015
  • Transfer Intro APR: 0% until July 2015
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 18.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing and wish to minimize the cost of big-timore
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Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until January 2015
  • Transfer Intro APR: 0% until January 2015
    • 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: The newly-branded Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s rewards earning arsenal. Its 1.5% cmore
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Fair Credit Best Credit Cards for Fair Credit
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: Given that it does not charge an annual fee during the first year, the Capital One Platinum Credit Card can serve as a viable low-cost credit buildingmore
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Capital One® QuicksilverOneSM Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until January 2015
  • Transfer Intro APR: 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: Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a stramore
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Limited History Best Credit Cards for Limited History
College Students
JourneySM 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: Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards without charging an annual fee, it also promotes gmore
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BankAmericard® for Students Credit Card

bank of america student platinum plus visa credit card Apply Now

  • 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: It’s rare for a student credit card to offer terms comparable to the best credit cards on the market, but the 15-month 0% intro term that the Student 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: Given that it does not charge an annual fee during the first year, the Capital One Platinum Credit Card can serve as a viable low-cost credit buildingmore
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Capital One® QuicksilverOneSM Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until January 2015
  • Transfer Intro APR: 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: Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a stramore
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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: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (V)
  • Editor's Notes: While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its class, the fact that it can be a partially-securemore
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Harley-Davidson® Secured Credit Card

harley davidson secured credit card Apply Now

  • Min Deposit: $300
  • Annual Fee: None
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.99% (V)
  • Editor's Notes: Don’t let the branding fool you, the Harley Davidson Secured Credit Card is one of the best secured cards on the market given that it doesn’t charge amore
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Unsecured Card
Credit One Bank® Credit Card with Gas Rewards

credit one credit card Apply Now

  • Annual Fee: $35 - $99
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 17.9% - 23.9% (V)
  • Learn More »
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. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable. 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.

Ask our Experts
EXPERT’S ANSWERS

What is the best credit card to have?

By: Odysseas Papadimitriou While 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 Our 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 First 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.)

 
March 25, 2014
Photo of Krystal S.
By: Krystal Smyth
The best credit card that I have ever used is my Amazon Chase Visa credit card. I love that credit card. You rack up points for anything that you purchase. If you purchase items at a grocery store, you get 1 point for every dollar spent. If you purchase gas, you get two points for every dollar spent. If you purchase items on amazon, you get 3 points for every dollar spent. After you accumulate a certain amount of points, you can cash out for either a check or you can cash out for gift cards. They actually have it available now where you can use the points that you have accumulated towards amazon.com purchases. I like to pay my cell phone bill, light bill, etc with the card and then pay the amount off on my credit card just to get the points. I usually save up for the $50 check! I have actually had this card since my freshman year at college! It really helped out when I needed to buy my school books on amazon.
March 19, 2014
Photo of David P.
By: David Price
In my opinion, the best card is the Chase Sapphire Preferred. While other cards offer a greater percentage for cash back, the Chase Ultimate Rewards program is one of the best out there. They offer tremendous service and the points are very versatile. Also, there is no foreign transaction fee and if you are a big spender, then the annual fee is worth it.
March 12, 2014
Photo of Garrett L.
By: Garrett Lee
If you don't travel a lot, cash back is fine (at least you're getting something). But if you are any sort of leisure or frequent traveller, I don't understand why you would redeem your points for cash. The return is awful. It doesn't even take that much work. Example: you get the Chase Sapphire Preferred with the 40,000 point bonus. Spend enough to get to 60,000 points (at a minimum $20k, but it happens much quicker than that based on spend bonuses for dining and travel). You could transfer those 60,000 points to Hyatt and redeem them for two FREE nights at any Park Hyatt (or for many more free nights in a lower category hotel). Park Hyatt Vendome in Paris goes for around €1000-€1500 per night. Right there your return is almost 7 cents per mile instead of the horrible 1cpm or 2cpm that everyone on this site is raving about. I understand that this is only worthwhile if you value things like staying at nice hotels or traveling for free, but money is being left on the table. All of that being said, I've applied (and been approved for) most of the "high end" cards that require excellent credit, while being denied for some of these mid-level cards. My experience has been easiest with Chase and American Express, and most difficult with Barclay's and Capital One. It seems to be the opposite of what many websites say.
February 6, 2014
Photo of Jared B.
By: Jared Bissonnette
It is hard to decide which credit card is best because it all depends on what you are looking for, but I would have to go with the Capital One Quicksilver Cash Rewards credit card. It has no annual fee, which is the first thing I look to avoid, and it has a low APR rate. But what I really love about this card is all the bonuses they offer. There is an initial bonus of $100, plus they give you a 1.5% bonus after that. There is an opportunity to save a lot of money there, which is perfect for everyone.
February 2, 2014
Photo of Daru K.
By: Daru Kruppe
I think Chase Freedom is the best credit card for me because it fits my needs perfectly. It has 5% cash back on rotating categories and has a $100 cash back bonus after spending $500 within the first three months of opening the account. There are many other benefits, check it out!
January 16, 2014
Photo of James L.
By: James LeGrand
The best credit card on the market would, in my opinion, have to be the Slate credit card from Chase. You need excellent credit to get in but once you do the savings are incredible. If you're looking for a new card this is the one.
January 11, 2014
Photo of Brandon H.
By: Brandon Hellman
The best credit card on the market now is the Blue Cash Preferred card from American Express. It is the best cash back card available now. While it does have a somewhat high annual fee, it is not high enough to turn you off of the benefits of the card. It is the perfect card for you to earn some cash back on what you already spend money on. The best part is you don't even have to enroll in a program for it, the cash back program is included.
January 8, 2014
Photo of Pam P.
By: Pam Powell-Nicolosi
I like my USAA MasterCard. 7.75% APR. Cash back to your balance. Best customer service ever as well.
January 2, 2014
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By: Nicole Bedard
The best credit card that I have ever used is the Cash Back, BankAmericard from Bank of America. This card is really perfect for me, and for people like me, who are attempting to build up or re-establish their credit. There are so many perks to this credit card. The card allows you to earn cash back on small purchases, and you gain a wide variety of bonuses for using the card in day to day places such as grocery stores and gas stations. This card additionally has a very low rate, and also has a low APR so there's no need to worry too much about that. The customer service at Bank of America is always fantastic and I've never had any issues when dealing with them. Additionally, their online system is very simple and easy to use, and has a clean navigation on the website. Overall, this is my go to card of choice for every day purchases. Bank of America is my favorite bank, and I personally bank with them, so opening up this line of credit was really a painless decision for me.
December 26, 2013
Photo of Chip S.
By: Chip Song
The best credit card that I know of and am currently using to my benefit is the Chase Freedom card. Not only do you get your usual 1 point for every dollar spent, there are also special bonus points for specific months of the year for various goods. The bonus points are an additional 5 points per dollar, and specific bonus areas can be on gas, Amazon purchases, etc. A lot of these bonus points add up to give you amazing cash back rewards. Another great factor is the fact that there are no annual fees. Essentially, you are getting free cash back for every dollar spent which is fantastic. As for the APR and other standard features of a credit card, they are all up to par if not better. The customer service is fantastic and overall, the card can be perfect for everyday use!
December 19, 2013
Photo of Frederick C.
By: Frederick Chon
The Bank of America BankAmericard for Students is one of the best credit cards out there, for students. While I think there are maybe a few better credit cards out there, the BankAmericard has rates comparable to some of the other top credit cards and it is for students. The 0% intro APR for the first 15 months is almost unheard of and as a student, it is a definitely a great bonus to getting this card. Overall the BankAmericard is an excellent credit card for students that need a significant grace period where they won’t get demolished by high APR rates. I would recommend this card to any students out there looking to get their first credit card!
December 9, 2013
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By: Ronny Guy
The best card I know about is the Capital One Secured Mastercard. I destroyed my credit shortly after I turned 21 and have been trying to rebuild it ever since. I found out about the capital one card and deposited the money to receive the new card to help rebuild credit. So far I have used it for normal purchases and immediately paid it off. The payments post quick and the money becomes available almost immediately after payment. I would definitely recommend it for anyone who is trying to rebuild credit. It's been great for me!
December 4, 2013
Photo of Deborah A.
By: Deborah Austin
I have the Capital One Platinum Prestige Credit Card. It gave me 15 months of 0% interest on new purchases. My interest rate is 10.9% after the 15 months are up. I have excellent credit and this card gave me an extremely high balance limit. I can pretty much buy anything that I want with this card. I have had other cards with them for a long period of time. This is how I earned the high limit that I currently have. This company has been good to me. This is the best card that I have. The staff is very friendly and helpful if you need to talk to them. They have helped me several times and I have had only good experiences with them over the years.
December 3, 2013
Photo of David C.
By: David Chau
The best credit card in my personal experience is the Chase Sapphire Preferred card. I received a great APR on the card and the sign up bonus was amazing. Although there is an annual fee, I have far surpassed any costs I would have related to it, as the amount of points I build up from this great card far outweigh the annual fee I have to pay for the card. I have had some unfortunate circumstances with retailers not delivering on goods or services, and I have never had an issue fixing the problem after talking to customer service. This card makes me feel secure and proud to use, and I get great benefits out of it.
November 26, 2013
Photo of Nicole W.
By: Nicole Williams
The best credit card is, in my experience, The Bank of America Cash Back Bank Americard. It has a low rate, no annual fee, and you earn cash back for your purchases. I think this card is especially good for people trying to build credit, and it allows you to earn cash back on small purchases, with an incentive to use the card at gas stations and grocery stores to earn even more cash back. I think the online interface is super easy to use.
November 24, 2013
Photo of John D.
By: John Dancear
The Capital One Secured Mastercard is by far, the best credit card for those with bad credit. If you are looking to rebuild your credit, you should immediately look into this card. There are NO processing fees, application fees, or monthly fees for this card. I think that is a HUGE plus. Once you make your initial deposit, which they inform you of when you sign up, you are ready to use the most efficient credit card for those with bad credit.
November 13, 2013
Photo of Ashley F.
By: Ashley Fraiser
I just got the BankAmericard for Students Credit Card because, although I have a little bit of credit built up from two previous credit cards that I'd gotten, I wanted to help further build my credit without doing to much. I love this card because I have a bit of a period where I don't have to worry about paying any interest because of the 0 APR for the first few months. That means I can save myself money because I only have to worry about paying back what I've spent on it so far.
November 1, 2013
Photo of Andy I.
By: Andy Ing
I love my BECU Visa credit card. The benefits are great and the APR is pretty low. The rewards program is very neat. One benefit I like is that they will call you when they think someone might be using your credit card. I never had any other credit card company do that for me and it was a great reassurance. The grace period is also better than other credit cards I have used in the past as well.
October 30, 2013
Photo of Shan A.
By: Shan Armstrong
I love the Capital One Visa student card. I received the card while as I was a student majoring in pre-law at the University of SC. One of the features that I loved was that the card offered low monthly payments. This proved to be extremely beneficial because some months my cash flow was extremely low. I was able to pay off the balance extremely fast. Capital One's customer service department was extremely friendly and helpful. Once I graduated I had the option to receive another card. However, because of the change in the economy I preferred to only use my bank card. I would highly recommend Capital One to anyone.
October 22, 2013
Photo of Amy F.
By: Amy Fisher
The BankAmericard Cash Rewards Credit Card is the best credit card out right now. It's a cash rewards credit card with no annual fee. You can get cash back on groceries, gas and more. Your cash back never expires either, and there's lots of ways to redeem it. The APR is pretty low too, so if you have a balance to transfer, this is the card to use.
October 14, 2013
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By: Constantina Hauser
It took me a long time to get approved for this card but after years of building credit I was finally approved for Citi Diamond Preferred Card. This card provides great perks and a good interest rate that is below all my other cards. Another thing I like about this card is the %0 percent introductory term. I am still in the introductory period but the rates even after that period are quite reasonable. Citibank provides great customer service and I have never had any issues with whether credit card or banking accounts.
October 14, 2013
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By: Ruth Henne
I have the Capital One quick silver cash rewards card and it is the best card I do believe. I didn't think I would get one as I thought my bankruptcy would stop it. The payments are low and the cash back is great. This is the only card that I have or need, I was approved for $1000 right away and no interest till sometime next year.
October 7, 2013
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By: Jeremy Arotsky
Another favorite of mine is Discover It. This card has an amazing reward system, with 5% quarterly categories, and 1% on everything else. The cash back rewards can be redeemed as credit, cash for your bank account, statement credit, and also can be used on ShopDiscover. The card also has an introductory 0% APR period.
October 6, 2013
Photo of Jeremy A.
By: Jeremy Arotsky
My personal favorite card is the Chase Sapphire Preferred. Of course number one at face value, you get a cool looking sapphire colored metal card. That's beside the point. With this card you earn two points to the dollar for travel and food, two very common purchasing categories. I go out to eat all the time, whether it's at a restaurant or fast food, and with my Sapphire I get two points to the dollar for food no matter what. Those points can be used through Ultimate Rewards to shop, book flights, hotel stays, cash back, gift cards, and much more. This is definitely my go-to card.
October 3, 2013
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By: Diana Meszaros
have none
September 23, 2013
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By: Chris Bova
The Amazon.com Rewards Visa card from Chase is my personal favorite card. You can get it without a long credit history, which is nice. If you shop on Amazon all the time, you're losing money by not having this card. It provides a whopping 3% cash back on all purchases from Amazon, as well as 1-2% back on other purchases. For an entry level card, you simply can't beat that. You also get $30 off your first purchase, so it's great to get if you're strapped for cash during the holidays and still have shopping to do.
September 11, 2013
Photo of Marcia L.
By: Marcia Loyd
My favorite credit card has been the NFL My Points Credit Card. When I obtained this card my crediting rating was at a cross roads between bad and fair. They gave me a chance with this card and it is appreciated. It has really helped my credit score. The point rewards are a huge perk. I save them up and use them to pay on my bill when I have accumulated enough. They also have a six month period with zero interest which is a fantastic perk that you do not see everyday.
September 3, 2013
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By: Vadim Adler
The Journey Student Rewards Credit Card from Capital One is one of my favorite credit cards. It helps me to improve my credit, which is important since I do not have that much in the way of credit in the first place! It will help me for when I actually need my credit for something while being easy to use and maintain.
August 27, 2013
Photo of Daniel M.
By: Daniel McKinney
My favorite card by far is the American Express Blue Cash Preferred. Most of my credit spending is on groceries and it's impossible to beat the 6% cash back that the BCP gives. The annual fee pays for itself very quickly. Additionally, you get 3% back on gas purchases and 3% on select department stores, 1% on everything else, and flexibility in terms of how you redeem your earnings. You can get your earnings back in cash, apply as a statement credit, or use it on merchandise. I have been impressed with the customer service offered by American Express; all dealings have been quick and painless. I'd highly recommend this card.
August 21, 2013
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By: Owen Masterson
The BankAmericard Credit Card for Students is one of the best credit cards out there for college students. I co-signed for this credit card so my little sister could begin to understand and establish credit for herself, all while having a safety blanket should she need it. There is no annual fee and she had a 0% APR for over the first 15 months. She learned the importance of only charging what she could afford to pay off during that time. Once the introductory period was over and she started to accrue interest, she learned the importance of paying things off in a timely manner. This is a great card. Now, there aren't a ton of bells and whistles, but that doesn't matter for a young person like herself.
August 20, 2013
Photo of Nick M.
By: Nick Martocello
After building up some credit from a dinky low fund, high APR/interest card, I've been able to move up to a card like Capitol One Quick Silver, it has a high cash back rewards of 1.5% and since I pay my bill on time and have a good score, i'm snug at a 12% APR. People complain about their customer service, but the one time I personally had to deal with them, they helped me with a weird charge.
August 20, 2013
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By: Stuart Goldstein
The best card on the market is the Chase Sapphire Preferred card. This card features a great APR, incredible sky-miles and point rewards, and other incentives that make the card worth it on it's own. Compounded with the fact that Chase is highly reputable and accepted in more locations that some other cards, applying for this card is a no-brainer.
May 27, 2013
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By: Katie Hayse
How much does Capital One pay to be so preferred on this site? Do they own the site? Crapital One is terrible. How is it the most recommended?
June 5, 2013
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Card Hub
CardHub.com is independently owned and our editor's rankings are based solely on the value of the cards for their respective users. Capital One currently has a very strong lineup of credit cards across all credit tiers and that is why they have strong ratings here.
September 29, 2013
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Sandra Frazier
I agree capital one is terrible!
April 29, 2013
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By: Sophie Ogasawara-Neko
My choice for best card has to do with the context in which I have it. This is why I pick the Harley Davidson secured card. When my credit was really terrible (medical bills!) I really did not have many options, but I needed something, not only to act as an emergency stopgap, but also to begin rebuilding my credit score as I paid off my bills. The Harley Davidson secured credit card was perfect for me, as it punished me less for my credit score than several other cards I considered. Not having to pay an annual fee was wonderful, and the interest rate I got was somewhat better than I was offered from other companies. The nice thing was, while using it for emergencies and such, I accrued benefits, which is certainly rare for my class of credit. The hardest time I had using this card was figuring out what to do with them!
April 29, 2013
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By: Kraig Lasher
When declaring a card to be the best I must take into account the availability of a card. Sure, a Chase Sapphire Preferred Card has tons of perks and is great to have. The problem is only a small percentage of us can qualify for it so how could I call it the best? I will select a card that people with fair credit can make use of. It allows them to build to better credit into the good and excellent ranges just by using it and paying it on time as well. The Capital One Cash Rewards for Newcomers card is the best in my opinion because it benefits those who do not necessarily have good credit. They are still able to enjoy perks with cash back on purchases and there is no annual fee. While the name references new credit card users it is not restricted to them. People can qualify with little credit history or fair and better. They just can't use it if they have bad credit, basically. So the demographics for people whom may use this card are far more open for people than the premium cards. Overall, this is a great card for people who are trying to build credit, or for who are trying to climb in terms of their credit rating. This makes it the best card to me as it may benefit such a large group of people.
April 29, 2013
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By: Michael Lamb
The best credit card I can think of (and that I actually use most everyday) is the Discover More card. I am really into rebates so Discover's quarterly program of 5% back in a number of buying categories can really add up fast to a big number for me. To make the deal even more attractive, Discover has a couple partner deals that you can combine for even larger rebates: As an example, ShopDiscover is part of the Discover card website. This offers an additional 5% to 20% rebate (this is on top of the usual rebates the card has.) Also if you use your rebates to buy a merchant gift card (and there are a good many stores to choose from at Discover) then Discover adds another $5 to the value of the gift card you get from them! That is more than 5% more buying power than if you were to buy that same value gift card from the merchants store!
April 29, 2013
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By: Loni S. Pratten
I believe that the best credit card is the Capital One Venture card. It gives you 2% back on every single purchase that you make which is pretty big for a credit card. Plus if you frequently travel to other countries you can take advantage of their no foreign transaction fees. This card does have an annual fee, but you'll quickly find out that the rewards far outweigh the fee, as you'll very quickly break even with the fee that you pay and the rewards that you earn. If you are the type of person that puts everything on a single credit card and pays it off every month for the rewards, this is the card fro you.
April 29, 2013
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By: Alana Aagaard
The best card I know hands down, the Chase Freedom Visa Credit Card. I had acquired a modest balance with another institution whose recent policy changes left me disgruntled and decided to look around for another card. Despite looking at many others, I ended up coming back to the first one I looked into-- the Chase Freedom Visa Card. Their balance transfer interest was 0% and they had a $100 cash back promotion running at the time. They offer a 0% APR for the first year or so, then they offer a more individualized rate (and mine is very fair and competitive). Additionally, I get rewards points, 1% at a minimum on everything. They run different promotions that give the earner a higher percentage back on certain things too.
April 22, 2013
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By: Mike Kaduce
The best card I know about is the Discover Miles card. I was skeptical at first due to the lack of an annual fee - usually that's a failsafe way to determine whether something is too good to be true or not. They downgraded me to this card after I switched from my Discover Escape card due to the aforementioned annual fee. What they didn't tell me when they 'downgraded' me is the rewards system between the two cards is virtually identical, all other terms and rules of the card are the same. It's a Discover, so it's not usable everywhere, but the ease of use of the card makes it my favorite. It's the first one I reach for every time I need to make a purchase. I love this card!
April 22, 2013
Photo of Sophie O.
By: Sophie Ogasawara-Neko
Bank of America, as a banking conglomerate, is sketchy and I'd never get a mortgage with them, but the BankAmericard for Students was, without a doubt, the best among the multitude of credit card offers I got when I turned 18. Even my parents were impressed, that someone with no credit like me could get a card with APR and terms every bit as good as the card they have with their established and good credit history. There are no rewards, but I don't care about that. What I care about is the relatively generous interest rate and the lack of fees. I think it is the best card on the market for a single, simple reason: I can't find a card (even for those with better credit) which strikes me as a better replacement. I love this card!