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Best Credit Cards

Last update: Feb 26, 2015

best credit card deals The best credit cards are those that stand out from their peers in a given category or niche – whether that is 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 (some of which are issued by CardHub advertising partners). This includes 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 Simplicity® Card

citi simplicity credit card Apply Now

  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: 0% for 18 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Simplicity Card offers the longest 0% introductory period on the market, at 18 months. The 0% rate is applicable to both new purchases and bmore
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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™ World Elite MasterCard®

barclaycard arrival world mastercard credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months
    • Transfer Fee: 3%
  • 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
  • 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 rewards credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 13.9% - 20.9% (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 World MasterCard®

frontier airlines credit card Apply Now

  • 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® 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
  • 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 credit card Apply Now

  • Purchase Intro APR: 0% until May 2016
  • Transfer Intro APR: 0% until May 2016
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 18.9% (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 cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • Transfer Intro APR: 0% until November 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: 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

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • Transfer Intro APR: 0% until November 2015
    • 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
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: 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 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: 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

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • Transfer Intro APR: 0% until November 2015
    • 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: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (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 Apply Now

  • 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.)

 
Feb 26, 2015
By:

--Comment from Brandi Alexa--

Feb 26, 2015
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:

--Comment from Daniel Carta--

Feb 17, 2015
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:

--Comment from Emi Ikeda--

Jan 23, 2015
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:

--Comment from Terrance Mills--

Jan 14, 2015
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:

--Comment from Laurie Pink--

Jan 1, 2015
What do I do next to get the Harley davidson card
Dec 24, 2014
By:

--Comment from Joe Miele--

Dec 24, 2014
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:

--Comment from Anoop Raghavan--

Oct 23, 2014
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:

--Comment from Joseph Alston--

Oct 6, 2014
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:

--Comment from Kelly Mok--

Sep 27, 2014
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.
Aug 2, 2014
By:

--Comment from Aloysius Chien--

Aug 2, 2014
The Amex Blue Cash is amazing. I get cash back on all my purchases, which more than pays off the $75 yearly fee within months especially because I pile my gas and groceries on there. The 6% max cash back is also much higher than many other credit cards out there. Highly recommended.
Jul 18, 2014
By:

--Comment from Brian Bartone--

Jul 18, 2014
I have been using my Capital One Platinum card now for several years and have had really no issues with it. I don't think anyone would as long as they pay their minimum monthly payment. There really aren't any hidden fees, but hey will slap a "payment protection plan", that you can easily cancel. Their minimum monthly payment is pretty low, and it goes directly towards your balance. The only notes for anyone possibly interested in signing up for a Capital One card is ALWAYS be sure to pay your bill on time, because they will charge a late fee very soon after the due date has expired, and NEVER OVER-DRAFT. They can be very aggressive with phone calls. Basically, just pay your bill on time, use the card wisely, and it will be a great card to have for developing your credit.
Jul 7, 2014
By:

--Comment from Jon Marshall--

Jul 7, 2014
CAPITAL ONE HAS THE WORST CUSTOMER SERVICE! They closed my account without notifying me and in turn I lost all of my cashback points! I would recommend NOT getting involved with a company like this because their business practices are absolutely NOT about the customer! Oh yea and the reason why they shut my account down was for the best interest of CAPITAL ONE. Yea makes sense because they got to keep 700 bucks from me. I never write bad reviews because I hate taking the time out of my day but they were literally the worst experience I have had with a customer service department.
Jun 28, 2014
By:

--Comment from Sarah Malpass--

Jun 28, 2014
The best credit card I've had so far has been the paypal extras MasterCard. The transactions are very secure and everything is processed through paypal. Making payments are quick and easy, you can even use your paypal balance. There is also a nice rewards system which is great for people who make lots of online purchases.
Jun 5, 2014
By:

--Comment from Aldric Alfonso--

Jun 5, 2014
To me, the best credit card on the market is the Capital One® Quicksilver® Cash Rewards Credit Card. It is the credit care that I always use. It has no annual fee and I love the cash back rewards.
May 28, 2014
By:

--Comment from Jonathan Morgan--

May 28, 2014
The best credit card I have used was the Capital One Platinum Credit Card. There is no annual 0 interest till February 2015. I love it. I have been using it for sometime now. They are also really good on the phone if you have any troubles. I see my self having this card for years and will enjoy seeing it grow and helping my credit. I may try to get another one in a year.
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