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Best Credit Cards

Best Credit Cards

Compare multiple credit card offers and apply online
There's no "one size fits all" credit card that's good for every user, but certain cards stand out among the competition. Our editors surveyed the credit card landscape and hand-picked a collection of cards that offer the best value in the categories below.


Find the Best Credit Card for You

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How to Choose the Best Credit Card for You

When you start shopping for a new credit card, the number of available choices can be startling. Thankfully, despite the array of choices, zeroing in on the right card for your wallet may be easier than you think. All it takes is a bit of time and consideration, as outlined by the following steps:

  1. Consider your short-term and long-term plans

    Before you start wading through your options, take some time to jot down your short-term and long-term financial plans. This list should include everything from vacations to paying off debt and building your savings.

    Some people may think this exercise is a hassle but consider this: with so many credit card options available these days, there’s bound to be one that will help you accomplish your long-term goals while also making it easy to pay for your immediate needs. Why not put in a little extra time to help simplify your future situation?

  2. Understand your credit card and other financial habits

    Similar to the first step, taking the time to consider your spending habits will help you better determine the type of card that meets your needs. When evaluating your financial patterns, remember to take the following into account:

    • Do you pay your credit card balances in full each month?

      If you answer “yes,” then you won’t have to focus on the lowest rate cards, giving you the freedom to look for a card that has other perks, like rewards.

    • Do you have a steady income?

      If your monthly income changes by season, then you will likely want to look for a card that has a lower rate, so you can minimize interest in the months when your budget is tight.

    • Do you have an established credit history, and if so, how does it compare to others?

      If you are new to credit or have a troubled credit history, then you may want to include secured credit cards in your search. Secured credit cards are tied to a savings account, reducing the card issuer's liability and increasing the likelihood that the company will give you credit. These cards also provide you with the opportunity to establish a responsible credit card history to help boost your credit score.

    • Do you use your credit card only for emergencies and large purchases, or is it your everyday payment method?

      The answer to this question will help you determine if you should look for a high limit card and what types of rewards would be most helpful for your lifestyle.

  3. Decide whether it will be used for business or pleasure?

    One of the last factors to consider before you start browsing the available cards is whether you’ll be using your credit card for business or personal expenses.

    While it can be tempting to use just one credit card for all expenses, especially if you’re trying to accrue rewards points for an upcoming vacation, it’s smart to keep your business and personal expenses separate. This distinction will help reduce accounting headaches. Thankfully, quite a few credit cards are specifically designed for small business, so if it’s a business card that you need, you have plenty of decent options.

  4. Know the players

    These days, credit cards can be classified into quite a few different categories. Now that you’ve evaluated your goals and credit card behavior, you should be able to narrow your focus to the category of credit card that best meets your needs:

    • Traditional: These are the “plain vanilla” cards. They may have a couple of perks, like rental car insurance or identity theft protection, but for the most part are devoid of fancy bells and whistles. This doesn’t mean that you should automatically discount these cards – often, they don't have annual fees and they offer fantastic rates.

    • Student: These cards are designed for younger consumers who are part-time or full-time students. Many of these cards have rewards programs oriented toward the wants and needs of younger 20-somethings. They also tend to have lower fees.

    • Cash Back: These credit cards provide cardholders with the opportunity to earn back a small percentage of the money they charge to their card. This is a great option for consumers who are looking to reduce their expenses or save toward a specific goal.

    • Rewards: There is a wide array of rewards cards now available, with rewards ranging from travel to gas to merchandise. If this is the route you are likely to go, be sure to research the available rewards programs to find the ones that you are most likely to truly use.

    • Balance Transfer: Designed for the consumer with existing credit card debt, a balance transfer card allows you to transfer over your existing credit card debt to your new card. Often, these cards offer fantastic introductory programs that will give you anywhere from 6 to 18 months interest-free. This provides you the opportunity to pay down your debt to reduce your interest payments.

    • Business: As mentioned previously, a whole set of credit cards are designed with businesses in mind. The business category includes many cash-back and rewards options, so you’ll want to take your time when choosing the right card for your business.

  5. Examine the costs

    When you start to explore the cards that match your needs, don’t forget to pay attention to the costs of the cards, including their annual fees and interest rates. If you’re an international traveler, you’ll also want to compare foreign transaction fees.

    Many cards have special introductory offers that include 0% interest on new purchases and balance transfers during the first several months of the card. While these offers can help you start off on the right foot, you’ll also want to know the fees and rates that you’ll be charged once the introductory period ends.

    Just because a card has slightly higher fees or rates than another card doesn’t mean you should eliminate it from the list. Instead, take the time to evaluate the benefits that come with the card. If you will truly take advantage of the deals, rewards, or other perks associated with the card, then those benefits may just outweigh the costs.

Choosing a credit card is a very personal experience. You can’t rely on someone else to tell you which card is best for you. But with the five steps outlined above and your intimate knowledge of your needs, the decision doesn’t have to be difficult. After a little bit of reflection and research, you’ll have the right credit card in your wallet in no time.


Best Balance Transfer Credit Cards

Apply online for balance transfer credit cards, the best way to transfer your next balance.

Discover it
Read ReviewApply for Discover it
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Cash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Our Review: A generous cash back and 18-month balance transfer offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
0% for 18 months
10.99% - 22.99% Variable*
$0

Citi Diamond Preferred Card
Read ReviewApply for Citi Diamond Preferred Card
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
ConciergeEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Assistance
Our Review: With its 18-month 0% APR on purchases and balance transfers, the Citi Diamond Preferred Card is a great pick for people who carry a balance. While this card does offer a few other benefits, such as a concierge service and price protection, its main attraction is its introductory APR... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 18 months*
0%* for 18 months*
11.99% - 21.99%* (Variable)
$0*

Citi Simplicity Card
Read ReviewApply for Citi Simplicity Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Car Rental InsuranceExtended Warranty$0 Fraud LiabilityIdentity Theft Assistance
Our Review: By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 18-month 0% introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 18 months*
0%* for 18 months*
12.99% - 21.99%* (Variable)
$0*

Chase Slate
Read ReviewApply for Chase Slate
  • Pay less interest. Save on balances and new purchases
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
Our Review: If you have credit card debt and excellent/good credit, the Chase Slate credit card can help provide you with a valuable break from high interest rates. This card offers a generous $0 balance transfer fee introductory offer and a long 15 months 0% APR intro period on balance transfers and purchases. The Chase Slate card does not offer a rewards program, however, so if you want to collect cash back or travel rewards, you may be better off with another card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
12.99%, 17.99%, 22.99% (V)
$0

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: Discover is a paid advertiser of CreditDonkey.


Best Cash Back Credit Cards

Earn cash back from your credit card.

Chase Freedom
Read ReviewApply for Chase Freedom
  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
Cash Back Rewards Benefit: Unlimited 1% Cash Back on all other purchases
Introductory Bonus Cash Back: Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
Bonus Cash Back: 5% cash back in new bonus categories every 3 months, on up to $1,500 in combined purchases. It's free and easy to activate your bonus each quarter.
Bonus Categories for 2014:
Q1 (January 1 – March 31, 2014): Gas stations, movie theaters and Starbucks® stores
Q2 (April 1 – June 30, 2014): Restaurants and Lowe’s® home improvement stores
Q3 (July 1 – September 30, 2014): Gas stations and Kohl’s®
Q4 (October 1 – December 31, 2014): Amazon.com, Zappos.com and select department stores
Our Review: With its sign-up bonus, rotating 5% cash back categories, and 0% introductory APR for 15 months on purchases and balance transfers, the Chase Freedom card is one of the most popular no-annual-fee rewards cards on the market. Because this card lets cardholders earn cash back in so many different ways, it fits a wide range of lifestyles... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
13.99% - 22.99% (Variable)
$0

Discover it
Read ReviewApply for Discover it
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Cash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Cash Back Rewards Benefit: 1% cash back on all other purchases
Bonus Cash Back: 5% cash back on up to $1,500 in purchases in categories that change throughout the year with free and easy sign-up.*
Bonus Categories for 2014:
January - March: 5% on up to $1,500 in purchases at Restaurants and Movies
April - June: 5% on up to $1,500 in purchases at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond®
July - September: Categories for Summer TBA May 2014
October - December: Categories for Holiday Shopping TBA August 2014
Limitations apply*. See Issuer's Website for additional program details.
Our Review: A generous cash back and 18-month balance transfer offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
0% for 18 months
10.99% - 22.99% Variable*
$0

Citi Dividend Platinum Select Visa Card
Read ReviewApply for Citi Dividend Platinum Select Visa Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud Liability Identity Theft Assistance
Cash Back Rewards Benefit: Earn 1% cash back on all other purchases. (The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.)
Introductory Bonus Cash Back: Earn $100 cash back after $500 in purchases within the first 3 months of account opening
Bonus Cash Back: Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14. Enrollment each quarter is quick and easy
Our Review: If you’re looking for a cash back card with a 0% introductory APR and no annual fee, you should consider the Citi Dividend Platinum Select Visa Card. This card also offers rotating cash back bonus categories and a sign-up bonus. But big spenders beware: the annual $300 cash back limit might put a damper on your earnings... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
12.99% - 22.99%* (Variable)
$0*

Discover it for Students
Read ReviewApply for Discover it for Students
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *Click "Apply" to see rates, rewards and other information
StudentCash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Cash Back Rewards Benefit: 1% cash back on all other purchases.
Bonus Cash Back: 5% cash back on up to $1,500 in purchases in categories that change throughout the year with free and easy sign-up.*
Bonus Categories for 2014:
January - March: 5% on up to $1,500 in purchases at Restaurants and Movies
April - June: 5% on up to $1,500 in purchases at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond®
July - September: Categories for Summer TBA May 2014
October - December: Categories for Holiday Shopping TBA August 2014
Limitations apply*. See Issuer's Website for additional program details.
Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It for Students. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
See Terms
12.99% - 21.99% Variable*
$0

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: Discover is a paid advertiser of CreditDonkey.


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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.