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What is the best credit card?

Introducing the TOP 16 Best Credit Cards by Category. Our rating lists are made by regular people who want to share their opinion on certain credit cards with the internet. In other words, our rankings are based on the “wisdom of the crowd”. With every vote, any credit card’s score can either go up or down. It is all up to the people.

Top 16 Credit Cards by Category

Blue Cash Everyday Card from American Express

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1 - 3% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 13.99% - 23.99% (V)

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Good Credit

372
VOTERS
98%
6
2%
Ranking: #1
0% APR Category
star-ratings
4,9

With Blue Cash Everyday card you can earn cash back at supermarkets, gas stations, select department stores, and other purchases. Earn Up to $300 Back. Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

Delta SkyMiles Gold American Express Card

Annual Fee: $0 - 1st yr, $99 after

Purchase Intro APR: N/A

Rewards Rate: 1 - 2 miles / $1 | Bonus 50,000 miles

Transfer Intro APR: N/A

Regular APR: 15.74% - 24.74% (V)

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Good Credit

158
VOTERS
95%
8
5%
Ranking: #1
Airline Category
star-ratings
4,7

Earn 50,000 bonus miles after spending $2,000 in purchases on your Card in your first 3 months of Card Membership. Earn rewards for your at-home tasting adventures with 2X miles at restaurants, including takeout and delivery, and U.S. supermarkets – then redeem them when you’re ready to travel. Contactless Cards allow you to make quick, secure payments without touching the screen.

Citi Diamond Preferred Card

Annual Fee: $0

Purchase Intro APR: None

Rewards Rate: None

Transfer Intro APR: 0% for 18 months | Transfer Fee: 3% (min $5)

Regular APR: 14.74% - 24.74% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

153
VOTERS
95%
7
5%
Ranking: #1
Balance Transfer Category
star-ratings
4,8

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
You’re completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

Ink Business Cash Credit Card

Annual Fee: Annual Fee: $0

Purchase Intro APR: Purchase Intro APR: 0% for 12 months

Rewards Rate: Rewards Rate: 1 - 5% Cash Back | Bonus $500

Transfer Intro APR: Transfer Intro APR: N/A

Regular APR: Regular APR: 13.24% - 19.24%

Card Issuer: Chase Credit Cards

Credit Score: Best Credit Cards for Good Credit

174
VOTERS
97%
5
3%
Ranking: #1
Business Category
star-ratings
4,9
  • 5% cash back in select business categories
    plus earn rewards on every purchase made for your business – with this no annual fee credit card.
  • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.

Costco Anywhere Visa Card by Citi

Annual Fee: $0

Purchase Intro APR: N/A

Rewards Rate: 1 - 4% Cash Back

Transfer Intro APR: N/A

Regular APR: 15.24% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

262
VOTERS
98%
4
2%
Ranking: #1
Cash Back Category
star-ratings
4,9

Make every day more rewarding with the Costco Anywhere Visa® Card by Citi. Earn up to 4% in cash back rewards on eligible purchases anywhere Visa is accepted. A Costco membership is required to apply. Join Costco today.
Redeeming Costco Cash Rewards. Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses.

Capital One Quicksilver Cash Rewards Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1.5% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 15.49% - 25.49%

Card Issuer: Capital One Credit Cards

Credit Score: Best Credit Cards for Fair Credit

97
VOTERS
94%
6
6%
Ranking: #1
for Concerts Category
star-ratings
4,7

Earn unlimited 1.5% cash back on every purchase, every day. Plus, a $150 Cash Bonus. Unlimited Rewards: Earn unlimited 1.5% cash back on every purchase, every day. New Cardmember Offer: Earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening.

Costco Anywhere Visa Card by Citi

Annual Fee: $0

Purchase Intro APR: N/A

Rewards Rate: 1 - 4% Cash Back

Transfer Intro APR: N/A

Regular APR: 15.24% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

262
VOTERS
98%
4
2%
Ranking: #1
Gas Category
star-ratings
4,9

Make every day more rewarding with the Costco Anywhere Visa® Card by Citi. Earn up to 4% in cash back rewards on eligible purchases anywhere Visa is accepted. A Costco membership is required to apply. Join Costco today.
Redeeming Costco Cash Rewards. Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses.

Citi Diamond Preferred Card

Annual Fee: $0

Purchase Intro APR: None

Rewards Rate: None

Transfer Intro APR: 0% for 18 months | Transfer Fee: 3% (min $5)

Regular APR: 14.74% - 24.74% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

153
VOTERS
95%
7
5%
Ranking: #1
High Limit Category
star-ratings
4,8

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
You’re completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

Hilton Honors American Express Card

Annual Fee: Annual Fee: $0

Purchase Intro APR: Purchase Intro APR: N/A

Rewards Rate: Rewards Rate: 3 - 7 points / $1 | Bonus 80,000 points

Transfer Intro APR: Transfer Intro APR: N/A

Regular APR: Regular APR: 15.74% - 24.74%

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Good Credit

143
VOTERS
94%
8
6%
Ranking: #1
Hotel Category
star-ratings
4,7
  • Earn 7x Points on Hilton Purchases
  • Earn 5x Points on Groceries & Dining
  • Earn 5x Points on Gas
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Complimentary Hilton Honors Silver status. Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

Blue Cash Everyday Card from American Express

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1 - 3% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 13.99% - 23.99% (V)

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Good Credit

372
VOTERS
98%
6
2%
Ranking: #1
Low interest Category
star-ratings
4,9

With Blue Cash Everyday card you can earn cash back at supermarkets, gas stations, select department stores, and other purchases. Earn Up to $300 Back. Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

Costco Anywhere Visa Card by Citi

Annual Fee: $0

Purchase Intro APR: N/A

Rewards Rate: 1 - 4% Cash Back

Transfer Intro APR: N/A

Regular APR: 15.24% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

262
VOTERS
98%
4
2%
Ranking: #1
No Annual Fee Category
star-ratings
4,9

Make every day more rewarding with the Costco Anywhere Visa® Card by Citi. Earn up to 4% in cash back rewards on eligible purchases anywhere Visa is accepted. A Costco membership is required to apply. Join Costco today.
Redeeming Costco Cash Rewards. Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses.

Costco Anywhere Visa Card by Citi

Annual Fee: $0

Purchase Intro APR: N/A

Rewards Rate: 1 - 4% Cash Back

Transfer Intro APR: N/A

Regular APR: 15.24% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

262
VOTERS
98%
4
2%
Ranking: #1
No Foreign Transaction Fee Category
star-ratings
4,9

Make every day more rewarding with the Costco Anywhere Visa® Card by Citi. Earn up to 4% in cash back rewards on eligible purchases anywhere Visa is accepted. A Costco membership is required to apply. Join Costco today.
Redeeming Costco Cash Rewards. Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses.

PayPal Prepaid Mastercard

Annual Fee: Annual Fee: Variable Monthly Fee

Purchase Intro APR: Purchase Intro APR: N/A

Rewards Rate: Rewards Rate: N/A

Transfer Intro APR: Transfer Intro APR: N/A

Regular APR: Regular APR: N/A

Card Issuer: Mastercard Credit Cards

Credit Score: Best Credit Cards for No Credit History

60
VOTERS
95%
3
5%
Ranking: #1
Prepaid Category
star-ratings
4,8
  • Spend. Smart. PayPal. Prepaid.

You can use the PayPal Prepaid Mastercard® to eat, drink, and shop everywhere Debit Mastercard is accepted. Order online and once your information has been verified, you’ll receive your Card in the mail within 7-10 business days.

Blue Cash Everyday Card from American Express

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1 - 3% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 13.99% - 23.99% (V)

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Good Credit

372
VOTERS
98%
6
2%
Ranking: #1
Rewards Category
star-ratings
4,9

With Blue Cash Everyday card you can earn cash back at supermarkets, gas stations, select department stores, and other purchases. Earn Up to $300 Back. Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

Capital One Secured Mastercard

Annual Fee: $0

Purchase Intro APR: None

Rewards Rate: None

Transfer Intro APR: Min Deposit of $49, $99 or $200

Regular APR: 26.99% (V)

Card Issuer: Capital One Credit Cards

Credit Score: Best Credit Cards for No Credit History

250
VOTERS
98%
6
2%
Ranking: #1
Secured Category
star-ratings
4,9
  • Take control and build your credit with responsible use. Required Security Deposit: $49, $99, or $200 refundable minimum security deposit. Access to an authorized bank account is required to make your security deposit.
  • Initial Credit Line. Make the minimum required security deposit and you’ll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line.
  • Automatic Credit Line Reviews. Be automatically considered for a higher credit line in as little as 6 months.
  • Personalized Payment. Pick your own monthly due date and payment method—check, online, or at a local branch.

Indigo Mastercard for Less than Perfect Credit

Annual Fee: Annual Fee: $0 - $99

Purchase Intro APR: One-Time Fees: None

Rewards Rate: Monthly Fee: None

Transfer Intro APR: Credit Card Grace Period: 25 days

Regular APR: Regular APR: 24.9%

Card Issuer: Mastercard Credit Cards

Credit Score: Best Credit Cards for Bad Credit

71
VOTERS
96%
3
4%
Ranking: #1
Student Category
star-ratings
4,8

The Indigo Platinum Mastercard is specifically designed for those with less than perfect credit. As an added plus, your monthly Indigo card payments are reported to all three major credit bureaus, which can help build a positive payment history.

Chase Sapphire Reserve

Annual Fee: $550

Purchase Intro APR: N/A

Rewards Rate: 1 - 3 points / $1 | Bonus 50.000 points

Transfer Intro APR: N/A

Regular APR: 16.99% - 23.99% Variable

Card Issuer: Chase Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

124
VOTERS
95%
6
5%
Ranking: #1
Travel Category
star-ratings
4,8
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • That’s $750 toward airfare, hotels, car rentals, and cruises when you redeem through Chase Ultimate Rewards®.
  • This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.
  • $300 Annual Travel Credit. Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year.
  • 3X Points on travel and dining worldwide. 3X Points on Travel Worldwide, immediately after earning your $300 annual travel credit.
  • 3X Points on Dining at Restaurants Worldwide, including eligible delivery services, takeout, and dining out.*Same page link to Offer Details. Plus, earn 1 point per dollar spent on all other purchases.
  • 50% more in travel redemption. Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel.

What Credit Cards Give the Best Rewards?

With rising, airfare travel rewards cards have grown in popularity. With these high-flying cards users receive points toward airline mileage, plane tickets, hotel stays and other travel necessities for every dollar spent using the travel reward cards. Most major airlines participate in these travel reward card programs. Users can expect lower APR’s, higher credit lines, and insurance benefits from these highly competitive cards.

Which Credit Card is Best for Gas?

With gas prices, ever-fluctuating, and always on the rise, credit card users who are always on the go may find gas rewards credit cards highly beneficial. Gas rewards cards usually offer premium card style benefits with lower interest rates and high lines of credit. Gas rewards include percentage rebates, and added points so you can earn “free gas”.

What is the Best Prepaid Credit Cards?

In a swipe it, and scan it society Pre-paid credit cards are gaining popularity with those who might not otherwise qualify for a credit card, or who prefer to spend “out of the red.” Pre-paid cards are reloadable and reusable and are funded by automatic transfers from a bank account or other source. Students, Teens, and shoppers with poor credit can use Pre-paid cards in ATMs, for online purchases, and worldwide acceptance- just like a credit card. Caution: Pre-paid cards aren’t covered by the same laws as credit cards, so hang on tight to your pre-paid card or someone else may have a shopping spree with your unprotected card.

What Credit Cards Can I Get with Bad Credit?

Card users with less-than-perfect credit have found secured credit cards to be an answer to credit needs. Since lenders are at more risk to lend to users with poor credit they require users to deposit money into an interest-bearing account. The lender will then use that money as collateral and lend credit of 50-100% of the deposit amount. Using a secured credit card responsibly can help rebuild poor credit. Caution: Secured cards usually come with high annual fees, transaction fees application fees, and more.