Top 10 Best Credit Cards in USA

Top 10 Best Credit Cards in USA

Top 10 Best Credit Cards in USA

1/ Chase Freedom Unlimited

Chase Freedom Unlimited
Chase Freedom Unlimited


Product details

  • INTRO OFFER: Earn an extra 1.5% cash back on everything you buy (up to $20,000 spent in the first year) - worth up to $300 in cash back!.
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that allows you to redeem rewards for cash back, travel, gift cards and more ; 4.5% cash back on drugstore purchases and restaurant meals, including qualifying takeout and delivery services, and 3% on all other purchases (up to $20,000 spent per first year).

  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drug store purchases and dining at restaurants , including eligible takeout and delivery services, and 1.5% unlimited cash back on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive statement credit or direct deposit to most US checking and savings accounts. Cash Back rewards do not expire as long as your account is open!.
  • Enjoy an introductory APR of 0% for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% to 23.99%.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited card.
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Evaluation 

Advantages

  • No annual fee
  • Intro period APR
  • High reward rate
  • No minimum redemption amount

Disadvantages

  • Requires good/excellent credit

2/ Wells Fargo Active Cash Card

Wells Fargo Active Cash Card
Wells Fargo Active Cash Card


Product details

  • Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% introductory APR for 15 months from account opening on qualifying purchases and balance transfers, then a variable APR of 15.74%, 20.74%, or 25.74%; balance transfers made within 120 days qualify for introductory rate and 3% fee, then BT fee of up to 5%, minimum: $5.
  • $0 annual fee.
  • No categories to follow or remember and cash rewards don't expire as long as your account remains open.
  • Enjoy a collection of premium benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Get up to $600 in cell phone protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your Wells Fargo Active Cash Card.

Evaluation 
Advantages

  • High reward rate
  • No annual fee
  • Intro period APR

Disadvantages

  • No bonus category

3/ BankAmericard credit card

BankAmericard credit card
BankAmericard credit card

Product details

  • $100 line of credit bonus after making at least $1,000 in purchases within the first 90 days of account opening.
  • 0% introductory APR for 18 billing cycles for purchases and for any balance transfers made within the first 60 days. After the introductory APR offer ends, 13.24% - 23.24% variable APR will apply. A 3% (min $10) fee applies to all balance transfers.
  • No annual fee.
  • No APR penalty. Paying late will not automatically increase your interest rate (APR). Other prices and account conditions apply.
  • Access your FICO score for free in Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a smart card, with the convenience of a tap.

Evaluation 
Advantages

  • No annual fee
  • Intro period APR
  • Bonus offer for new cardholders

Disadvantages

  • Requires good/excellent credit
  • No ongoing rewards

4/ Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express

Product details

  • Get a $300 credit after spending $3,000 on purchases with your new card in the first 6 months.

  • $0 annual introductory fee for the first year, then $95.
  • Buy now, pay later: Enjoy $0 introductory fees when you use Plan It to split large purchases into monthly installments. Pay $0 plan fee on plans created within the first 12 months of account opening. Plans created thereafter will have a monthly plan fee of up to 1.33% of each purchase amount transferred into a plan based on the plan term, APR that would otherwise apply to the purchase and other factors.

  • Low introductory APR: 0% for 12 months on purchases from date of account opening, then variable rate, from 14.74% to 24.74%
  • 6% cash back at US supermarkets on up to $6,000 per year in purchases (1% thereafter).
  • 6% cash back on select US streaming subscriptions.
  • 3% cash back at US gas stations and on public transportation (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% cash back on other purchases.
  • Cash Back is received in the form of Reward Dollars which can be redeemed as statement credit.

Evaluation 

Advantages

  • High reward rate

  • Bonus categories
  • Intro period APR
  • Cash rewards

Disadvantages

  • Has an annual fee
  • Requires good/excellent credit
  • Spending limits on bonus reward

5/ Chase Sapphire Preferred Card

Chase Sapphire Preferred Card
Chase Sapphire Preferred Card

Product details

  • Earn 80,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening. It's $1,000 when you redeem through Chase Ultimate Rewards.
  • Enjoy perks like a $50 Ultimate Rewards hotel credit per year, 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, and more.
  • Earn 25% more value when you redeem airline tickets, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 for one trip.
  • With Pay Yourself Back, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select rotating categories.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Baggage Insurance, and more.

Evaluation 

Advantages

  • Bonus offer for new cardholders
  • Bonus categories
  • Main Rental Car Coverage
  • Flexible rewards redemption
  • Transfer partners

Disadvantages

  • Has an annual fee
  • Requires good/excellent credit
  • Complicated Rewards

6/ Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Product details

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months of account opening, which equals $600 on travel.

  • Earn unlimited 2X miles on every purchase, every day.
  • Miles will not expire for the life of the account and there is no limit to the number you can earn
  • Receive up to $100 credit for Global Entry or TSA PreCheck.
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of travel options.
  • Use your miles to get reimbursed for any travel purchase or redeem them when booking travel through Capital One Travel.
  • Transfer your miles to more than 15 loyalty programs of your choice.

Evaluation 
Advantages

  • High reward rate
  • Flexible rewards redemption

Disadvantages

  • High annual fees
  • Rewards have limited flexibility
  • Requires good/excellent credit

7/ Discover it Balance Transfer

Discover it Balance Transfer
Discover it Balance Transfer

Product details

  • INTRO OFFER: Unlimited Cashback Match - only at Discover. Discover will automatically match any Cash Back you have earned at the end of your first year! There are no minimum spend or maximum rewards. You could turn $150 in cash back into $300.

  • Earn 5% cash back on your everyday purchases at different places every quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay with PayPal, up to the quarterly maximum when you activate. Plus, automatically earn unlimited 1% cash back on all other purchases.
  • Redeem cashback of any amount, anytime. Rewards never expire.
  • No annual fee.
  • Get your free credit score card with your FICO credit score, number of recent applications and more.

Evaluation
Advantages

  • No annual fee
  • Intro period APR
  • Bonus categories
  • Cash rewards

Disadvantages

  • Complicated Rewards
  • Spending limits on bonus rewards
  • Lower acceptance abroad

8/ Wells Fargo Reflect Card

Wells Fargo Reflect Card
Wells Fargo Reflect Card

Product details

  • 0% intro APR for 18 months from account opening on eligible purchases and balance transfers. Intro Extension APR for up to 3 months with on-time minimum payments during the introductory and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for introductory rate and 3% fee, then BT fee of up to 5%, minimum $5.

  • $0 annual fee.
  • Get up to $600 in cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • With My Wells Fargo Deals, you can earn cash in the form of statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo credit card.

Evaluation
Advantages

  • No annual fee
  • Intro period APR

Disadvantages

  • No reward

9/ Citi Custom Cash Card

Citi Custom Cash Card
Citi Custom Cash Card

Product details

  • Earn $200 in cash back after spending $750 on purchases within the first 3 months of account opening. This bonus offer will be fulfilled in the form of 20,000 thank you points, which can be redeemed for a cashback of $200.

  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% to 24.74%, depending on your creditworthiness.
  • Earn 5% cash back on purchases in your highest eligible spend category each billing cycle, up to the first $500 spent, then 1% cash back thereafter. Also get unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for - as your spend changes with each billing cycle, your earnings automatically adjust when you spend in one of the eligible categories.
  • No annual fee.

Evaluation 
Advantages

  • No annual fee
  • 5% bonus categories
  • April introductory period

Disadvantages

  • Low rates outside bonus categories
  • Requires good/excellent credit

10/ Citi Diamond Preferred Card

Citi Diamond Preferred Card
Citi Diamond Preferred Card

Product details

  • 0% Intro APR for 21 months on balance transfers from the date of first transfer and 0% Intro APR for 12 months on purchases from the date the account is opened. After that, the variable APR will be 14.49% to 24.49%, depending on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of $5 or 5% of each transfer amount, whichever is greater.
  • Access your FICO score online for free.
  • With Citi Entertainment, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • The standard variable APR for Citi Flex Plan is 14.49% to 24.49%, depending on your creditworthiness. Citi Flex Plan offerings are available at Citi's discretion.

Evaluation
Advantages

  • No annual fee
  • Intro period APR
  • Introductory Balance Transfer Fee

Disadvantages

  • Requires good/excellent credit
  • No reward

LEARN MORE ABOUT OUR BEST CREDIT CARDS

Best Cash Back Credit Cards

Wells Fargo Active Cash Card: Enjoy 2% cash back on your purchases, plus a great bonus offer and introductory APR period. Read our review of the Wells Fargo Active Cash Card.

Chase Freedom Unlimited: Earn bonus cash back in popular categories, including dining and select travel, plus a relatively high rate on everything else. There is also a solid bonus offer. Read our Chase Freedom Unlimited review.

Blue Cash Preferred Card from American Express: Possibly the ultimate family card, with exceptional cash back on many modern life necessities. Annual Fee: $0 introductory first year, then $95. Read our review of the Blue Cash Preferred card from American Express.

Discover it Cash Back: This card offers a high rewards rate in rotating categories, a good introductory APR offer and an unusual bonus that could become a bargain. Read our Discover it Cash Back review.

Capital One SavorOne Cash Rewards Credit Card: Food and entertainment rewards are the centerpiece of this no-fee card, which pays out unlimited 3% cash back at restaurants and grocery stores, plus streaming and more . Read our review of the Capital One SavorOne Cash Rewards Credit Card.

Top Balance Transfer Credit Cards

Citi Diamond Preferred Card: 0% introductory APR for 21 months on balance transfers and 12 months on purchases, then ongoing APR from 14.49% to 24.49% variable APR. Read our review of the Citi Diamond Preferred Card.

Chase Freedom Unlimited: Earn bonus cash back in popular categories, including dining and select travel, plus a relatively high rate on everything else. There is also a solid bonus offer. Read our Chase Freedom Unlimited review.

BankAmericard Credit Card: 0% introductory APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening, then 13 ongoing APR, 24% to 23.24% variable APR. Read our BankAmericard credit card review.

Wells Fargo Reflect Card: 0% introductory APR on purchases up to 21 months and 0% introductory APR on balance transfers up to 21 months from account opening on transfers of eligible balances, then the current APR from 13.74% to 25.74% Variable APR Read our Wells Fargo Reflect Card review.

Discover it Balance Transfer: 0% introductory APR on purchases for 6 months and 0% introductory APR on balance transfers for 18 months, then ongoing APR of 12.24% at 23, 24% variable APR. Read our Discover it Balance Transfer review.

Best credit cards with rewards

Capital One Venture Rewards Credit Card: A Study of Simplicity: Earn 2X miles on purchases (and bonus miles on purchases through Capital One Travel). Read our review of the Capital One Venture Rewards credit card.

Wells Fargo Active Cash Card: Enjoy 2% cash back on your purchases, plus a great bonus offer and introductory APR period. Read our Wells Fargo Active Cash Card review.

Blue Cash Preferred Card from American Express: Possibly the ultimate family card, with exceptional cash back on many modern life necessities. Annual Fee: $0 introductory first year, then $95. Read our review of the Blue Cash Preferred card from American Express.

Chase Freedom Unlimited: Earn bonus cash back in popular categories, including dining and select travel, plus a relatively high rate on everything else. There is also a solid bonus offer. Read our Chase Freedom Unlimited review.

Chase Sapphire Preferred Card: Get bonus rewards on travel and dining and a ton of flexibility when redeeming. Great sign-up bonus, too. Annual dues: $95. Read our Chase Sapphire Preferred card review.

Best Travel Credit Cards

Capital One Venture Rewards Credit Card: A Study of Simplicity: Earn 2X miles on purchases (and bonus miles on purchases through Capital One Travel). Read our review of the Capital One Venture Rewards credit card.

Capital One Venture X Rewards Credit Card: A big sign-up bonus, travel credits, high rewards, and airport lounge access might make this card worth the hefty annual fee. Read our Capital One Venture X Rewards credit card review.

The Platinum Card from American Express: For a hefty price, the original premium card gives you 5X points on select flights and hotel stays, hundreds of dollars a year in travel and shopping credit, and a suite of benefits for high-end lifestyles. Read our review of the Platinum Card from American Express.

Chase Sapphire Preferred Card: Get bonus rewards on travel and dining and a ton of flexibility when redeeming. Great sign-up bonus, too. Annual dues: $95. Read our Chase Sapphire Preferred card review.

Bank of America Travel Rewards Credit Card: You'll earn 1.5 points per dollar spent on all purchases, and points are redeemable toward any travel purchase. Read our Bank of America Travel Rewards Credit Card review.

Best credit cards with 0% or low interest rates

BankAmericard Credit Card: 0% Introductory APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening, then ongoing APR of 13.24 % to 23.24% variable APR. Read our BankAmericard credit card review.

Wells Fargo Reflect Card: 0% introductory APR on purchases up to 21 months and 0% introductory APR on balance transfers up to 21 months from account opening on eligible balance transfers, then the current APR from 13.74% to 25.74% of variable APR reading our Wells Fargo Reflect card review.

Wells Fargo Active Cash Card: 0% introductory APR on purchases for 15 months and 0% introductory APR on balance transfers 15 months from account opening on qualifying balance transfers, then the current APR of 15.74%, 20.74% or 25.74% variable APR Read our Wells Fargo Active Cash Card review

Chase Freedom Unlimited: 0% intro APR for 15 months on purchases and balance transfers, then ongoing APR from 15.24% to 23.99% variable APR Read our review of the Chase Freedom Unlimited.

U.S. Bank Visa Platinum Card: 0% Introductory APR for 20 Billing Cycles on Purchases and Balance Transfers, then Ongoing APR from 15.24% to 25.24% Variable APR Read Our Review U.S. Bank Visa Platinum card.

Best Small Business Credit Cards

The Blue Business Plus credit card from American Express: Earn 2 points per dollar spent on the first $50,000 in purchases each calendar year and 1 point per dollar thereafter. Conditions apply. Read our review of the Blue Business Plus credit card from American Express.

American Express Blue Business Cash Card: Earn 2% cash back on the first $50,000 in purchases each calendar year and 1% cash back thereafter. Conditions apply. Read our review of the American Express Blue Business Cash card.

Ink Business Unlimited Credit Card: Earn 1.5% cash back on all purchases and enjoy an exciting bonus offer for a card with no annual fee. Read our Ink Business Unlimited credit card review.

Ink Business Cash Credit Card: Cash back in common business categories, plus a great bonus offer for a card with no annual fee. Read our Ink Business Cash credit card review.

Best credit cards for fair or average credit

Check it out Cash Back: This card offers a high reward rate in rotating categories, a good introductory APR offer, and an unusual bonus that could turn into a bargain. Read our Cash Back review Find out.

Find out Balance Transfer: You expect a balance transfer card to offer a long introductory APR. But this card also gives you cash back – and a reason to keep it for the long haul. Read our Discover it balance transfer review.

Capital One QuicksilverOne Cash Rewards Credit Card: Cash back on all purchases, but there is an annual fee. Read our Capital One QuicksilverOne Cash Rewards Credit Card review.

Upgrade Visa Card with Cash Rewards: This hybrid credit card/personal loan product is an attractive option for people with lower scores. Read our review on upgrading Visa card with cash rewards.

Visa Bitcoin Rewards Credit Card Upgrade: The card combines the features of credit cards and personal loans, and it earns 1.5% in the form of Bitcoin when you make payments on your balance. Read our review of the Visa Upgrade Bitcoin Rewards credit card.

Capital One Platinum Credit Card: Build credit and automatically be considered for a higher line of credit in as little as six months. Read our Capital One Platinum Credit Card Review.

Best credit cards to boost your credit

Discover it Secure Credit Card: Rewards, a bonus offer for new cardholders and, perhaps most importantly, a clear path to an upgrade. Read our review of the Discover it secure credit card.

Capital One Platinum Secured Credit Card: You may be able to get a higher credit limit than your security deposit. Read our review of the Capital One Platinum Secured Credit Card.

OpenSky Secured Visa Credit Card: A starter option for those with bad credit or those who are unbanked: No credit check to apply and no bank account required, but there is an annual fee. Read our review of the OpenSky Secured Visa Credit Card.

Chime Credit Builder Visa credit card: There is no credit check, no interest and no minimum security deposit required. You allocate money to your credit limit and can only spend what you have set aside. Read our review of the Chime Credit Builder Visa credit card.

Best Student Credit Cards

Chase Freedom Student Credit Card: Cash back and opportunity to earn annual “good reputation” bonuses. Read our review of the Chase Freedom Student Credit Card.

Discover it Student chrome: The simplicity of the rewards structure is attractive to busy students. Read our Discover it Student chrome review.

Discover it Student Cash Back: For students willing to work a little to manage their rewards, this card can be lucrative. Read our Discover it student cash back review.

Capital One SavorOne Student Cash Rewards Credit Card: Bonus cash back on popular dining, entertainment and streaming services, plus grocery stores. Read our review of the Capital One SavorOne Student Cash Rewards Credit Card.
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