Best Credit Cards

Selected by CardHub Editors from 1,000+ credit cards — Updated July 29, 2016

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

Citi® Diamond Preferred® Card

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  • Purchase intro APR 0% for 21 months
  • Transfer intro APR 0% for 21 months
    Transfer Fee: 3% (min $5)
  • Regular APR 12.24% - 22.24% (V)
  • Annual Fee $0*
  • Rewards None

Best For New-Purchase Financing. The Diamond Preferred Card from Citi (one of our advertising partners) offers the longest 0% introductory term on the general-consumer credit card market, at 21 months. While the 0% rate applies to balance transfers as well as new transactions, it’s best suited to the latter purpose in light of a 3% balance transfer fee. To maximize this card’s value, use a credit card calculator to determine the monthly payments you’ll need to make in order to pay off your balance before regular rates begin to eat away at your savings. You can also check out our full review of the Citi Diamond Preferred Card for more information.

Chase Slate®

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  • Purchase intro APR 0% for 15 months
  • Transfer intro APR 0% for 15 months
    Transfer Fee: $0 Intro
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee $0
  • Rewards None

Best For Balance Transfers. The Slate Card from Chase (one of our advertisers) 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 (for the first 60 days) nor an annual fee. These unusually attractive terms stand to save the average consumer as much as $1,000 in fees and finance charges while expediting the timeline to debt freedom. A credit card calculator can give you a more-exact sense of how valuable the Slate Card will be in your particular situation. For more information, check out our full review of the Chase Slate Card.

Capital One® Venture® Rewards Credit Card

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  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee $0 for 1st yr, $59 after
  • Rewards Rate 2 miles / $1
  • Rewards Bonus 40,000 miles

Best For Rewards. The Capital One Venture Card is travel rewards royalty. The 40,000 bonus miles you get after spending $3,000 during the first three months can be redeemed for a $400 statement credit applicable to any travel-related charges that post to your account. And the 2 points per $1 spent that you will earn on a recurring basis equates to 2% cash back on all purchases, provided that you redeem for travel statement credits. That might be all you need to know before adding Venture to your wallet, but if not, check out our full-length review. For full disclosure, Capital One is one of our advertising partners.

Barclaycard Arrival Plus™ World Elite MasterCard®

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  • Purchase intro APR N/A
  • Transfer intro APR 0% for 12 months
    Transfer Fee: 3%
  • Regular APR 16.24% - 20.24% (V)
  • Annual Fee None 1st yr, $89 after
  • Rewards Rate 2 miles / $1
  • Rewards Bonus 40,000 miles

Best For Rewards. The Barclaycard Arrival Plus World Elite MasterCard is one of a select few offers providing consumers with the opportunity to earn a $400 initial rewards bonus, which itself provides a great deal of flexibility given that it can be applied to any travel-related expense. This card also follows the very successful Venture Card model, providing the miles equivalent of 2% cash back across all purchases as long as users redeem for travel. As a result, this is a great option for travel-minded consumers who will be able to meet the card’s $3,000 initial spending requirement within the first 90 days. Note: Barclays is one of our advertisers.

Citi® Double Cash Card – 18 month BT offer

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  • Purchase intro APR N/A
  • Transfer intro APR 0% for 18 months
    Transfer Fee: 3% (min $5)
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee $0*
  • Rewards Rate 1% + 1% Cash Back
  • Rewards Bonus None

Best For Cash Back Rewards. The Double Cash Credit Card from Citi (one of our advertising partners) is one of the best everyday rewards cards on the market, offering 1% cash back on what you spend and another 1% cash back on what you pay. Plus, Citi had the good sense not to ruin the cash back party by charging an annual fee. To learn more, check out our full Double Cash review."

Club Carlson℠ Premier Rewards Visa Signature® Card

  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 14.24% - 23.24% (V)
  • Annual Fee $75
  • Rewards Rate 5 - 10 points / $1
  • Rewards Bonus 85,000 points

Best For Hotel Rewards. While some people might be turned off by this card’s $75 annual fee, that fixed cost pales in comparison to the value cardholders can unlock by spending $2,500 during the first 90 days. The 85,000 bonus points that you earn by doing so can be used to book up to nine free nights at properties such as Radisson, Park Plaza and Country Inns & Suites. And the additional 40,000 bonus points that you’ll receive each year just for being a cardholder can be redeemed for another four nights. With 13 free nights the first year and at least four nights every year thereafter in your back pocket, it would be tough not to sleep soundly. Note: The card is one of our advertisers.

Citi® / AAdvantage® Platinum Select® MasterCard®

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  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 14.24% - 22.24% (V)
  • Annual Fee None 1st yr, $95 after
  • Rewards Rate 1 - 2 miles / $1
  • Rewards Bonus 30,000 miles

Best For Airline Rewards. An excellent deal for anyone who can commit to American Airlines, this card offers a 30,000-mile initial bonus, for spending at least $1,000 in the first three months after account opening. When you factor in the 2 miles per $1 earned on American Airlines purchases, the 10% redemption rebate and the fact that the $95 annual fee is waived for the first year, this card would yield nearly $1,680 in net rewards value over the first two years of use, based on the average person’s spending habits. Suffice it to say that the AAdvantage Platinum Select MasterCard is the best American Airlines credit card available. Note: Citi is one of our advertising partners. To learn more about how we came to that determination, check out our full review.

good Credit

Capital One® Quicksilver® Cash Rewards Credit Card

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  • Purchase intro APR 0% for 9 months
  • Transfer intro APR 0% for 9 months
    Transfer Fee: 3%
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee None
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus $100

Best For Rewards. A great everyday credit card for people with good credit, Quicksilver brings value and simplicity to the rewards process, providing 1.5% cash back across all purchases, in addition to a $100 initial bonus for spending at least $500 during the first three months. The fact that this card does not charge an annual fee serves as the cherry on top of this attractive deal. Note: Capital One is one of our advertising partners. To learn more, check out our full review of the Quicksilver Card.

Frontier Airlines Credit Card

  • Purchase intro APR N/A
  • Transfer intro APR 0% for 15 months
    Transfer Fee: 3%
  • Regular APR 16.24% - 25.24% (V)
  • Annual Fee $69
  • Rewards Rate 1 - 2 miles / $1
  • Rewards Bonus 40,000 miles

Best For Airline Rewards. The Frontier Airlines World MasterCard is an interesting option for opportunistic travelers, as the 40,000 bonus miles it provides in return for you spending at least $500 in the first 90 days you have your card are redeemable for two round-trip domestic airline flights. Opening this card is therefore a great way to drastically reduce the cost of a vacation for two. This card’s bonus perks are also more accessible than many of the other initially-rewarding credit cards on the market, which tend to require that you spend $3,000 - $4,000 in order to benefit.

IHG® Rewards Club Select Credit Card

  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 16.24% - 23.24% (V)
  • Annual Fee None 1st yr, $49 after
  • Rewards Rate 1 - 5 points / $1
  • Rewards Bonus 60,000 points

Best For Hotel Rewards. The 60,000 bonus points that you stand to receive after spending at least $1,000 during the first three months you have this card are worth up to 12 free nights at IHG hotels, which include the Holiday Inn family and Crowne Plaza, among others. This initial bonus is especially beneficial considering that the card’s $49 annual fee is waived for the first year. Your ability to earn does not stop there, however, as you will earn 5 points per $1 spent at IHG locations; 2 points per $1 spent at gas stations, grocery stores and restaurants; and 1 point/$1 everywhere else. Plus, you’ll get an annual rebate for 10,000 of the points that you redeem and an additional free night each year on your account anniversary. There is no foreign transaction either, which means you can travel internationally without incurring extra costs. Note: The card is one of our advertisers. More information about this offer can be found in our full-length review.

Chase Slate®

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  • Purchase intro APR 0% for 15 months
  • Transfer intro APR 0% for 15 months
    Transfer Fee: $0 Intro
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee $0
  • Rewards None

Best For Balance Transfers. The Slate Card from Chase (one of our advertisers) 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 (for the first 60 days) nor an annual fee. These unusually attractive terms stand to save the average consumer as much as $1,000 in fees and finance charges while expediting the timeline to debt freedom. A credit card calculator can give you a more-exact sense of how valuable the Slate Card will be in your particular situation. For more information, check out our full review of the Chase Slate Card.

fair Credit

Barclaycard Rewards MasterCard®

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  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 25.24% (V)
  • Annual Fee None
  • Rewards Rate 1 - 2 points / $1
  • Rewards Bonus None

Best For Low-Cost Credit Improvement. This card offers exactly what most people with fair credit are looking for: no annual fee (which enables free credit building) and a bit of rewards (which help subsidize spending as long as you pay your bill in full every month). It is therefore a clear leader in this credit segment and a great stepping stone to some of the elite cards on the market. Barclays is one of our advertisers.

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Purchase intro APR 0% for 9 months
  • Transfer intro APR 0% for 9 months
    Transfer Fee: None
  • Regular APR 23.24% (V)
  • Annual Fee $39
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus None

Best For Rewards. The QuicksilverOne Cash Rewards Card from Capital One (one of our advertising partners) represents the absolute best rewards-earning option available to people with fair or limited credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases for 9 months makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

limited Credit

Capital One® Platinum Credit Card

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  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 24.99% (V)
  • Annual Fee None
  • Rewards None

Best For Low-Cost Credit Improvement. Given that it does not charge an annual fee, the Capital One Platinum Credit Card can serve as a viable low-cost credit building tool for consumers who have yet to establish much credit history. While this offer does not include rewards or a 0% introductory interest rate, such perks aren't available on any other no annual fee credit card for fair or limited credit either. It was possible for applicants to find cards offering such an attractive collection of terms in years past, but market dynamics have conspired to eliminate their availability. Note: Capital One is an advertising partner.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Now
  • Purchase intro APR 0% for 9 months
  • Transfer intro APR 0% for 9 months
    Transfer Fee: None
  • Regular APR 23.24% (V)
  • Annual Fee $39
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus None

Best For Rewards. The QuicksilverOne Cash Rewards Card from Capital One (one of our advertising partners) represents the absolute best rewards-earning option available to people with fair or limited credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases for 9 months makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

Journey® Student Rewards from Capital One®

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For College Students

  • Purchase intro APR N/A
  • Transfer intro APR N/A
  • Regular APR 20.24% (V)
  • Annual Fee None
  • Rewards Rate 1 - 1.25% Cash Back
  • Rewards Bonus None

Best Cash Back Rewards For College Students. Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards without charging an annual fee, it also promotes good habits. You get a 25% rewards bonus each month you make an on-time payment, and getting in the habit of paying for what you spend early in your credit career will put you on the path to excellent credit as well as save you a lot of money in interest in the years to come (assuming you pay your bill in full as well as on time, which we highly recommend). Note: Capital One is an advertising partner.

BankAmericard Cash Rewards™ for Students Credit Card

For College Students

  • Purchase intro APR 0% for 12 months
  • Transfer intro APR 0% for 12 months
    Transfer Fee: 3%
  • Regular APR 13.24% - 23.24% (V)
  • Annual Fee None
  • Rewards Rate 1 - 3% Cash Back
  • Rewards Bonus $100

Best For Student Financing. This card is capable of meeting the needs of various types of college students, from those who wish to earn rewards on everyday expenses like gas and groceries to those who need help paying for big-ticket expenses like textbooks. The fact that it doesn’t charge an annual fee and actually pays you $100 just for spending $500 in the first 90 days you have it just makes things sweeter, The one thing you don’t want to do with this card is use it overseas, as it charges a 3% foreign transaction fee. So, if you plan on studying abroad or doing some international travel, you may want to consider a card from Capital One (none of its offer charge foreign fees).

BankAmericard Travel Rewards® for Students Credit Card

For College Students

  • Purchase intro APR 0% for 12 months
  • Transfer intro APR N/A
  • Regular APR 15.24% - 23.24% (V)
  • Annual Fee None
  • Rewards Rate 1.5 - 3 points / $1
  • Rewards Bonus 20,000 points

Best Travel Rewards For College Students. If you’re a student who spends at least $334 per month and has some travel planned, this offer from Bank of America could prove quite rewarding. Spending at least $1,000 in the first 90 days after account opening triggers a 20,000-point initial bonus, redeemable for a $200 travel statement credit. This card, which does not charge an annual fee, also offers 3 points per $1 on airfare booked through the Bank of America Travel Center each year, in addition to 1.5 points per $1 spent on everything else. Crucially for those of you with an overseas backpacking trip in your future, there are no foreign transaction fees either.

bad Credit

Capital One® Secured MasterCard®

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Secured Card

  • Min Deposit $49, $99 or $200
  • Annual Fee None
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 24.99% (V)

Best Partially-Secured Card. The fact that the Capital One Secured MasterCard does not charge an annual fee and has the potential to be partially-secured makes it quite attractive for many people. With a partially-secured credit card, your credit line may exceed the amount of your security deposit, thereby providing you with an emergency line of credit, if needed, and enabling you to maximize your available credit. The more credit you have available, the faster your credit standing will improve. The Secured MasterCard Credit Card from Capital One (one of our advertisers) is therefore an option that at least merits consideration if you have bad or limited credit. To learn more about this helpful credit-building tool, check out our full review.

Harley-Davidson® Secured Credit Card

Secured Card

  • Min Deposit $300
  • Annual Fee None
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 23.24% (V)

Best Fully-Secured Card. Don’t let the branding fool you, the Harley Davidson Secured Credit Card is one of the best secured cards on the market in light of the fact that it doesn’t charge an annual fee. Secured cards are most commonly used by people who have damaged or little credit, and the most important thing to look for in either situation is a card with low fixed costs for which you can qualify. Low interest rates and rewards are of lesser concern because secured cards don’t tend to offer them. The fact that the Harley Card does offer some rewards therefore makes it that much more attractive.

SunTrust Secured Credit Card

Secured Card

  • Min Deposit $300
  • Annual Fee $32
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 20.24% (V)

Best Rewards Secured Card. Even though this card has a $32 annual fee, its rewards structure can easily make that a cost worth paying if you’re planning to spend more than $260 per month. Users earn 2% cash back on the first $6,000 spent annually on gas and groceries and 1% cash back on everything else. It can therefore serve as a great way to make low-cost credit building a bit more fun.

Credit One Bank® Visa® with Credit Line Increase Reviews

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  • Annual Fee $0 - $99
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 15.65% - 24.15% (V)

Best Unsecured Card For Bad Credit. We tend not to recommend unsecured credit cards for bad credit given the prohibitive costs and low credit lines typical of the genre. If you truly need an emergency loan, however, this Credit One Bank Visa Card is your best bet. It charges a relatively modest annual fee of $0 - $75 the first year, depending on your credit standing, and $0 to $99 each year thereafter. And it even offers 1% cash back on gas and grocery purchases.

Expert Answers

What is the best credit card to have?

By: Odysseas Papadimitriou, CardHub CEO

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, Personal Finance Editor

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, CardHub CEO

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

Ask a question or help others find the best credit cards by sharing some tips.

Jul 26, 2016
Photo of Charlene M.
Jul 26, 2016
What is the best card or best loan that I can get to pay off my card balance?
Jul 13, 2016
Photo of Laura B.
Jul 13, 2016
What credit card can I get without putting money down in order to improve my score?
Jul 17, 2016
Photo of Card H.
Jul 17, 2016
You can check our editors’ picks for the best “bad-credit” credit cards here: cardhub.com/best-credit-cards-for-bad-credit/ .
If you absolutely need an unsecured credit line for emergency purposes, the Credit One Visa is a solid choice ( cardhub.com/d/credit-one-credit-card-676c/ ). But the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) is a better option to consider, as it does not charge an annual fee and has the potential to be “partially-secured.” That means your spending limit could be higher than the amount of your refundable security deposit.

It’s also important to note that you can check your credit score and full credit report on our sister site WalletHub -- the only website more
Jul 13, 2016
Photo of Felicia W.
Jul 13, 2016
How can I get a credit card to improve my credit score if they all keep rejecting me?
Jul 17, 2016
Photo of Card H.
Jul 17, 2016
You can check our editors’ picks for the best “bad-credit” credit cards here: cardhub.com/best-credit-cards-for-bad-credit/ .
If you absolutely need an unsecured credit line for emergency purposes, the Credit One Visa is a solid choice ( cardhub.com/d/credit-one-credit-card-676c/ ). But the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) is a better option to consider, as it does not charge an annual fee and has the potential to be “partially-secured.” That means your spending limit could be higher than the amount of your refundable security deposit.

It’s also important to note that you can check your credit score and full credit report on our sister site WalletHub -- the only website more
Jul 10, 2016
Photo of Echo G.
Jul 10, 2016
Is there a credit card you don't have to pay a deposit first for?
Jul 17, 2016
Photo of Card H.
Jul 17, 2016
You can check our editors’ picks for the best “bad-credit” credit cards here: cardhub.com/best-credit-cards-for-bad-credit/ .
If you absolutely need an unsecured credit line for emergency purposes, the Credit One Visa is a solid choice ( cardhub.com/d/credit-one-credit-card-676c/ ). But the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) is a better option to consider, as it does not charge an annual fee and has the potential to be “partially-secured.” That means your spending limit could be higher than the amount of your refundable security deposit.

It’s also important to note that you can check your credit score and full credit report on our sister site WalletHub -- the only website more
Jul 4, 2016
Photo of Linda M.
Jul 4, 2016
Why do I need a bank account for applying for a credit card?
Jul 25, 2016
Photo of Card H.
Jul 25, 2016
Some secured credit cards require you to have a bank account in order to fund the security deposit, the amount of which doubles as your line of credit. When you close your account, you will get the full deposit amount back, minus any outstanding balances.

You can learn more about how secured cards work in our Secured Credit Card Guide: cardhub.com/edu/secured-cards/ .
Jul 2, 2016
Photo of Shawn G.
Jul 2, 2016
Any suggestions on getting an unsecured card?
Jul 17, 2016
Photo of Card H.
Jul 17, 2016
You can check our editors’ picks for the best “bad-credit” credit cards here: cardhub.com/best-credit-cards-for-bad-credit/ .
If you absolutely need an unsecured credit line for emergency purposes, the Credit One Visa is a solid choice ( cardhub.com/d/credit-one-credit-card-676c/ ). But the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) is a better option to consider, as it does not charge an annual fee and has the potential to be “partially-secured.” That means your spending limit could be higher than the amount of your refundable security deposit.

It’s also important to note that you can check your credit score and full credit report on our sister site WalletHub -- the only website more
Jun 16, 2016
Photo of Melvin B.
Jun 16, 2016
I need to get an apartment and furniture. What is the best card for me?
May 28, 2016
Photo of Peter K.
May 28, 2016
I'm looking for the best gas credit card I can get for vacation and overall work this summer.
Jun 4, 2016
Photo of Card H.
Jun 4, 2016
You can check our editors’ picks for the best gas credit cards here: cardhub.com/best-gas-credit-cards/ or try our CardAdvisor tool, which will provide a customized recommendation based on your answers to a few simple, anonymous questions.
It can be found here: cardhub.com/cardadvisor/ .

It’s also important to note that your options will largely depend on your credit standing. So checking your credit score is a good way to refine your search. You can do so for free on WalletHub: https://wallethub.com/free-credit-score/ . Hope this helps!
May 7, 2016
Photo of Mary H.
May 7, 2016
I have a Capital One Quicksilver Credit Card. I have paid first 6 months on or before time. Will I get an automatic credit line increase or do I have to require?
May 26, 2016
Photo of Marleen S.
May 26, 2016
I have a Quicksilver card and requested an increase after 5 months and got instant approval online. Go to the website and request one.
May 6, 2016
Photo of Gary H.
May 6, 2016
How can I build my credit?
May 10, 2016
Photo of Card H.
May 10, 2016
Your first step should be to open a credit card account and pay your bill on time every month. This will result in a steady flow of positive information into your credit reports. You can compare offers tailored to people with no previous credit experience here: cardhub.com/credit-cards/no-credit/ .

We also have a few guides that you may find helpful:

https://wallethub.com/edu/how-to-establish-credit/21172/
https://wallethub.com/edu/how-to-build-credit/20579/
https://wallethub.com/edu/how-long-does-it-take-to-build-credit/19454/

Finally, you can check your credit score and full credit report for free on WalletHub -- the only website that offers daily updates to both: https://wallethub.com/free-credit-score/ .
Hope this helps. Best of luck! more
May 2, 2016
Photo of Marie L.
May 2, 2016
What do I need to do to get the Capital One Secured?
May 3, 2016
Photo of Card H.
May 3, 2016
You just need to apply and place a refundable security deposit, which could be $49, $99 or $200, depending on your creditworthiness. Your corresponding spending limit will be $200 to $3,000, which means this card could be either fully or partially secured. For more information, you can check out our in-depth Capital One Secured Card review: cardhub.com/edu/capital-one-secured-credit-card-review/ . You can also submit an application here: cardhub.com/d/capital-one-secured-credit-card-383c/ .
Apr 25, 2016
Photo of Vickey W.
Apr 25, 2016
I'm trying to improve my credit score. I need a credit card with no processing fee.
Apr 27, 2016
Photo of Jessy R.
Apr 27, 2016
I need a card with no fee. I really want to improve my credit.
Apr 26, 2016
Photo of Card H.
Apr 26, 2016
You can check our editors’ picks for the best “bad-credit” credit cards here: cardhub.com/best-credit-cards-for-bad-credit/ .
If you absolutely need an unsecured credit line for emergency purposes, the Credit One Visa is a solid choice ( cardhub.com/d/credit-one-credit-card-676c/ ). But the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) is a better option to consider, as it does not charge an annual fee and has the potential to be “partially-secured.” That means your spending limit could be higher than the amount of your refundable security deposit.

It’s also important to note that you can check your credit score and full credit report on our sister site WalletHub -- the only website more
Apr 21, 2016
Photo of Pamela C.
Apr 21, 2016
I never had a credit card. Can you direct me to a unsecured card? Also a card that I could get ASAP.
Apr 22, 2016
Photo of Card H.
Apr 22, 2016
You can compare offers tailored to people with no previous credit experience here: cardhub.com/credit-cards/no-credit/ . Two good options to consider are the Capital One Platinum Card ( cardhub.com/d/capital-one-platinum-83c/ ) and the Capital One QuicksilverOne Card ( cardhub.com/d/quicksilverone-rewards-75c/ ) . Platinum doesn’t charge an annual fee, and QuicksilverOne charges $39 per year but also gives you 1.5% cash back.
You can also try our CardAdvisor tool, which will provide a customized recommendation based on your priorities and spending habits: cardhub.com/cardadvisor/ .

In addition, you can keep tabs on your credit standing by signing up for a free account with our sister site WalletHub, which is the first and only more
Apr 15, 2016
Photo of Sherry P.
Apr 15, 2016
What gas credit card can be used to rebuild credit?
Apr 19, 2016
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Apr 19, 2016
Unfortunately you will need at least Limited/Fair credit (i.e. a score over 620) to qualify for a gas credit card. If you need a card with which to rebuild bad credit, we recommend a secured card such as the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ), as it does not charge an annual fee and has the potential to be “partially-secured.” That means your spending limit could be higher than the amount of your refundable security deposit.

If you absolutely need an unsecured credit line for emergency purposes (as opposed to just the convenience of plastic), the Credit One Visa is a solid choice. But take note that it charges more
Apr 11, 2016
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Apr 11, 2016
What are the best cards for getting a high limit with an excellent credit score?
Apr 13, 2016
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Apr 13, 2016
It’s hard to say with any certainty, as issuer policies regularly change. Your credit limit ultimately is a product of your credit standing, your disposable income and issuer underwriting standards. So the better your credit score and debt-to-income ratio are, the higher you can expect your credit limit to be.

You can check your credit score for free on our sister site WalletHub, which is the first and only site to offer free credit scores and full credit reports that are updated on a daily basis: https://wallethub.com/free-credit-score/ . Sorry we could not provide more-detailed information.
Apr 10, 2016
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Apr 10, 2016
I have never had a credit card. My credit is not so good. Nobody will give me a chance to build my credit.
Apr 13, 2016
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Apr 13, 2016
We’re very sorry to hear that. Fortunately, you shouldn’t have a problem obtaining a secured credit card as long as you’re at least 18 years old and you have the $200 or so needed to replace a refundable security deposit. Our favorite offers are the Capital One Secured Card ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) and the Harley-Davidson Secured Card ( cardhub.com/d/harley-davidson-secured-credit-card-444c/ ) because neither charges an annual fee. Either could therefore serve as your free ticket to a better credit score.

You may also want to check out our sister site WalletHub, as it is the first and only site to offer free credit scores and full credit reports that are more
Apr 9, 2016
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Apr 9, 2016
Right now my Capital One Platinum has been a good card to me it has really helped build my credit and open up other opportunities for a better card. In 6 months I got an application for Barclays Cash Forward World credit card and went from 24 % APR to 0%. Anyone building credit, this is the card I recommend. Just remember to make payments on time and never max your card out no matter the available credit line. You have to always make sure your used credit is less then your credit line.
May 5, 2016
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May 5, 2016
@Lois Caron: This card was designed for people who are new to the credit game, so you should have a good shot at approval as long as you don’t have bad credit, which you can find out for free on WalletHub: https://wallethub.com/free-credit-score/ . If that’s the case, you can easily submit an application online by clicking “Apply Now” on the card’s details page: cardhub.com/d/capital-one-platinum-83c/ .

You can also get additional recommendations from our Card Advisor tool: cardhub.com/cardadvisor/ . Best of luck! more
May 3, 2016
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May 3, 2016
So can I get this card?
Jan 5, 2016
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Jan 5, 2016
What is the best credit card to get if I'm trying to build credit back up?
Mar 16, 2016
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Mar 16, 2016
I have the Capital One Secured MasterCard. I love it!!! They are pretty awesome, and flexible. Within 3 month my credit score has gone from a 0 to a whopping 658! A whole lotta awesomeness!!!
Jan 16, 2016
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Jan 16, 2016
The best type is undoubtedly a secured credit card. They’re a lot easier to get approved for than unsecured credit cards for people with damaged credit, and they tend to be a lot cheaper as well. That’s because you are required to place a refundable security deposit, the amount of which typically serves as your spending limit. You get this deposit back when you close your account, minus any unpaid balance, but in the interim it shields the card’s issuer from risk.

With that being said, the best two offers to consider are the Capital One Secured MasterCard ( cardhub.com/d/capital-one-secured-credit-card-383c/ ) and the Harley-Davidson Secured Visa ( cardhub.com/d/harley-davidson-secured-credit-card-444c/ ). more
Jan 5, 2016
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Jan 5, 2016
The Citi Double Cash Card is my pick of the best credit cards to have. The 2% back in rewards is the highest of all credit cards on the market right now. That is even a better deal than you get with any miles card. Their sign up process is easy, and getting your credit limit increased is the easiest process I have had thus far with any credit card. You can do it straight from the website and get it approved within 5 seconds. I have not had any problems with the card or transactions, so I have no experience with their customer service staff. The card itself has more
Nov 23, 2015
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Nov 23, 2015
I got the Chase Sapphire Preferred credit card which right now is giving a bonus of 50k points which is equivalent to around 700$ if you redeem those! It's very good to get a round trip flight ticket for free at least once every year.
Oct 1, 2015
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Oct 1, 2015
I was approved for the Capital One Quicksilver card 6 months ago and I am very pleased with my experience so far. I have had challenged credit and this card has given me a chance to rebuild my credit rating. I managed to make my first five payments on time and per the stipulations of the card was able to increase my credit line. I have also received cash back on all my purchases made which were promptly applied to my account upon request. I am very glad I chose this card as I am sure it will help to further improve my credit worthiness and increase my spending power.
Oct 1, 2015
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Oct 1, 2015
I feel the best possible card on the market place at the moment is the DiscoverIT card. They are the most generous I've seen with cashback promotions. Their 5% cashback on things is intelligent, during the big movie season (summer) you get it there, during Christmas shopping, you get it on Amazon. It makes sense, that aside the other feature I really enjoy about this card, is my ability to simply switch it off on a website. No calling is necessary at any point really, their online support is next to none.
Sep 2, 2015
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Sep 2, 2015
I definitely agree with the editor's pick of Capital One's Platinum card for people with bad credit. They start you out with a small spending limit, so it's really hard to go overboard with spending. Their statements are clear and easy to understand. Also they provide a credit tracker so you can see how your score is doing.
Aug 26, 2015
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Aug 26, 2015
What is the best credit card for a college student?
Aug 31, 2015
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Aug 31, 2015
You can find CardHub’s editor’s picks for 2015’s best college student credit cards here: cardhub.com/best-credit-cards-for-college-students/
Aug 10, 2015
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Aug 10, 2015
While comparing all the cards on the site, I believe that the Citi Diamond Preferred Card looks to be the best card available as long as you have great credit. The card offers 21 months of no interest on both purchases and transfers.

The 3% transfer fee is well worth the money you will save in paying interest on the other card. For purchases and transfers, this can save a person thousands of dollars! Although they do not have a rewards program, they do not really need one because of the features of the card. According to the site, the card also does not have an annual fee. In my opinion, more
Jun 18, 2015
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Jun 18, 2015
What credit card could I get with bad credit and no min deposit.
Apr 28, 2016
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Apr 28, 2016
@Card Hub: bad credit
Jun 18, 2015
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Jun 18, 2015
You can compare the unsecured credit cards for bad credit that are available, here: cardhub.com/credit-cards/bad-credit-unsecured/. Keep in mind that these offers are likely to be far more expensive than a secured credit card.
May 23, 2015
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May 23, 2015
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
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May 5, 2015
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
Photo of Brad S.
Apr 16, 2015
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
Photo of Sam B.
Mar 27, 2015
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 more
Mar 21, 2015
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Mar 21, 2015
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
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Mar 4, 2015
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
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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 more
Feb 17, 2015
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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
Photo of Emi I.
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 more
Jan 14, 2015
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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 more
Jan 1, 2015
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Jan 1, 2015
What do I do next to get the Harley davidson card
Dec 24, 2014
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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 more
Oct 23, 2014
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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 more
Oct 6, 2014
Photo of Joseph A.
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 more