Best credit cards

Pick the Credit Cards that best fits your needs

Best credit cards

Which credit card is best? In truth, there is no one-size-fits-all card; the best credit card for you depends on your personal needs, wants, and lifestyle. From cash back and sign-up bonuses to luxury perks, travel rewards and more. Compare these deals from our partners to find one that fits your needs.
 
Pick a category below to see our top picks and why we chose them.

Luxury cards

Luxury Card offers stainless steel credit cards with extraordinary benefits. Its cardmembers receive perks including cash back bonuses, a 24/7 concierge service, gifts, worldwide acceptance, and Luxury Magazine, a members-only quarterly magazine, and VIP travel benefits at over 3000 exclusive destinations around the world.. Its concierge service offers a wide variety of services including entertainment planning, business services, gift arrangement, travel information, and assistance. It also offers travel insurance for luggage, trip interruption or cancellation, rental car damages, warranty manager service, and purchase security on up to $500 per claim, access to many airport lounges, etc.  

Cash back cards

Cash back credit cards let you earn cash rewards on everyday purchases at supermarkets, gas stations, restaurants, and department stores. Some cash back credit cards offer unlimited 2% cash rewards on all purchases. Some credit cards offer 3% cash rewards on select spending categories, such as dining, gas, office supplies, etc. Many cash back credit cards also feature a generous sign-up bonus of up to $500 cash, along with perks of 0% introductory interest and no foreign transaction fee. Here are the cash back credit cards from major card issuers. 

Bonus rewards  cards

Many credit cards offer bonus rewards in cash back, miles or points. Bonus miles or reward points may be redeemed for flights, hotel nights, or simply shopping gift cards. Many credit cards are running special offers these days, which usually give richer bonus. Some of the cards are giving out as much as $500 bonus cash back or 50,000 bonus points, redeemable for $500 in travel credit or shopping gift cards from popular retailers.  

Rewards  cards

Rewards credit cards offer incentives whenever you swipe the cards for purchases. The incentives are usually in the form of cash back, reward points, or miles. Those reward points or miles can be redeemed for cash, gift cards, or free travel. Depending on the types of credit cards, some cards feature richer rewards for certain categories of purchases, such as gas, dining, groceries, etc, and some cards offer a flat-rate rewards on all purchases. 

Travel cards

Travel credit cards reward you for your travel. Many travel cards offer rich bonus miles or points, which can be redeemed for statement credit to pay off travel expenses such as airlines, hotels, car rentals, cruises, etc. In addition, many travel credit cards offer raised rewards for your travel bookings, such as 3% rewards on travel.  

Airline cards

Many travel credit cards provide frequent flyers with opportunities to earn miles and redeem miles for free travel or enhanced privileges such as airline fee credit, free checked bags, priority boarding, discounts on eligible in-flight purchases, free access to airport lounges, no foreign transaction fees.  

Hotel cards

Many travel credit cards let you earn extra points for hotel stays and redeem points to pay off expenses at hotels such as accommodation, room services, dining, upgrades, etc. Some travel cards offer special rewards for your hotel bookings. 

Retail rewards  cards

Are you looking for credit cards that let you earn the most rewards in department stores? Cash back credit cards are usually a good payment option for purchases in retail stores. Some of the store-branded credit cards are also a good choice if you shop at the retailer frequently. Find the credit cards that let you reap rewards for shopping in stores.   

Grocery rewards cards

Grocery is one of the regular purchases we make every day. Using a credit card with grocery rewards for purchases at supermarkets or wholesale clubs can save you hundreds of dollars each year.

Gas rewards  cards

If you commute to work by car or enjoy weekend road trips, you may want to look for ways to reduce your cost at gas pumps. You can do better with gas rewards credit cards that offer you cash back or points on purchases at gas stations. Save money on your everyday gas purchases with one of the following gas credit cards.here is a link to apply for it   

Dining rewards cards

If you frequently eat out at restaurants, a credit card with dining rewards will quietly save you extra money on your dining expenses. Dining rewards credit cards usually offer higher rewards of up to 3% back for your spending at restaurants, including Starbucks, bakeries, fast food, and fine restaurants. Save money with one of the best dining rewards credit cards that fit your lifestyle. here is link to apply for it  

Entertainment rewards cards

Entertainment rewards credit cards help you earn extra rewards when you play. If you are enjoying an active lifestyle, you will like the credit cards that give you exclusive rewards in concerts, shows, music, movies, video games, and tickets to major sporting events. Find the entertainment rewards credit cards that let you earn extra rewards and enjoy exclusive access to major events. 

Personal cards

Personal credit cards are useful payment tools for everyday purchases. When you use your credit cards, you don’t have to carry cash any more. You receive a credit card bill at the end of each billing cycle, which you can then pay off once a month. For those personal credit cards that have no annual fee, you can use them at no cost as long as you pay off bills on time. Many consumer credit cards also let you earn cash back or let you receive 0% interest to save money on credit card debt.  

Business cards

Business credit cards let small businesses earn rewards on business purchases and manage expenses properly. They allow business owners to separate business expenses from personal expenses, give employee cards, and receive exclusive access to events that are ideal for entertaining clients or treating staff, etc. Many small business credit cards come with perks such as 0% interest on purchases and balance transfers, customized business credit lines, cash back or travel rewards for spending at gas stations, restaurants, office supply stores.

Student cards

Student credit cards are designed to help college students build credit with responsible use. Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt or has a co-signer over the age of 21 who agrees to accept joint liability for the account. 

Secured cards

What is a secured credit card and who should have one? Secured credit cards are designed to help people establish their credit. Whether you have limited or no credit, or you have damaged your credit and had bad credit, you may count on secured credit cards to build or rebuild your credit history. Not sure what to look for when choosing a secured credit card? Please read What you need to know about secured credit cards?.  

0% on Purchases cards

Credit cards with 0% interest on purchases can help you save money. Whether you are trying to pay off your debt or you need to make a big purchase in the near future, credit cards that offer 0% introductory APR on purchases let you borrow money from banks for a certain period of time and pay off debt later without incurring any interest or fees, as long as you make the minimum  payments every month. 

0% on Balance Transfers cards

Credit cards with 0% introductory interest on balance transfers are designed to help people save money by transferring high interest balances to a 0 interest credit card so that it eliminates potential interest charges. For example, if you have $5,000 in credit card debt and are paying an interest rate of 15%, transferring balances to a credit card with zero interest for 18 months can provide substantial savings. You can save around $1,153 on interest charges over the next 18 months. If you’re carrying a credit card balance each month, it’s well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

No Annual Fee cards

Credit cards with no annual fee are popular with users who pay off bills on time each month. No-annual-fee credit cards give responsible users a payment tool at no cost. At the same time, they allow people to accumulate cash back, earn points, receive bonus, or even receive perks such as free flights or hotel stays! 

No Balance Transfer Fee  cards

If you want to use balance transfer to pay off existing credit debt, you should consider credit cards with no balance transfer fees. Most credit cards charge you a fee of 3% for transfer balances. But no-balance-transfer-fee credit cards allow you to transfer balance from a high-interest credit card to a low-interest card at no cost. In this way, save money on the interest occurred from existing balance.

No Foreign Transaction Fee  cards

Do you know that most credit cards typically charge a transaction fee 3% on your purchases in foreign countries? For example, if you use a credit card to pay $1,000 for purchases or for hotel stays in Canada, Asia, or Europe, you may end up with paying a bill of $1,030 after the 3% foreign-transaction surcharge is priced in. This is why credit cards with no foreign transaction fees can help international travelers save money. Capital One credit cards and HSBC credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either. If you may travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees so that you can avoid the 3% foreign transaction fee on your purchases.

Low Interest  cards

If you have credit card debt, the interest cost that you have to pay can be very expensive. If you apply for a low interest credit card or transfer existing balance to a low interest credit card, you will save a lot of money in the long run. A credit card with a low interest rate can also be used for emergencies so that you won’t rack up the interest cost too much. You may also want to consider credit cards that offer 0% intro APR on purchases or 0% intro APR on balance transfers.

For Good or Excellent Credit cards

Different credit scoring systems use different scales. A credit score above 700 suggests good credit management. A score above 750 is usually considered excellent. If you have good or excellent credit, you will have no problems in getting approved for most credit cards with attractive rewards. Many credit cards for people with good or excellent credit rating usually come with nice perks such as cash back on select purchases, generous bonus that can be redeemed for shopping gift cards or free flights, 0% introductory interest on purchases and balance transfers, etc.

For Limited or No Credit cards

A person with a fair or average credit rating may have not enough record of active credit on their credit report. This is common for students, new immigrants, or people who have defaulted on a loan before. Some entry-level credit cards are designed for people with limited or no credit to help them build credit history. If you are a college student, you may also want to check our student credit cards. If you have already damaged your credit and are eager to rebuild it, you can start with credit cards for people with bad credit

For Bad Credit  cards

If you have fallen hard financially, you may have damaged your credit score. You can apply for the subprime credit cards that are designed for people with bad credit to rebuild your credit history. Or you may start with the secured credit cards that report your responsible payment records to the three major credit bureaus – Equifax, Experian and TransUnion. As long as you pay off your credit-card balance on time each month, your credit rating will improve.

Visa  cards

Visa card is the most accepted payment card worldwide and comes with great perks. With a visa credit card, you are protected by Visa’s auto rental collision damage waiver, Visa’s zero liability policy which could protect you from unauthorized purchases, lost luggage reimbursement, roadside dispatch, travel and emergency assistance services, travel accident insurance, and much more.

MasterCard  cards

Mastercard is one of the most recognized credit card logos and is accepted in over 210 countries and territories worldwide. Many Mastercard credit cards offer new card members great promotions and perks such as cash back, bonus rewards, and 0% introductory interest on purchases or balance transfers.

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