Advertiser Disclosure

People regularly ask us: What’s the best credit card? The answer depends almost entirely on you. What kind of credit do you have? How do you spend money? Are you looking to rack up rewards, or save money on interest? Most cards fall into a handful of broad categories, and within those categories, these are the ones that rise to the top for 2018.

NerdWallet’s top 10 credit card deals

Best for … Card
Flat-rate travel rewards Capital One® Venture® Rewards Credit Card
Bonus travel rewards Chase Sapphire Preferred® Card
Flat-rate cash back Citi® Double Cash Card – 18 month BT offer
Bonus category cash back Discover it® - Cashback Match™
Families Blue Cash Preferred® Card from American Express
Best for 0% APR period Citi Simplicity® Card - No Late Fees Ever
Fair/average credit Capital One® QuicksilverOne® Cash Rewards Credit Card
Bad credit Discover it® Secured Card - No Annual Fee
College students Discover it® for Students
Small business SimplyCash® Plus Business Credit Card from American Express

 


Best for flat-rate travel rewards

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • Flexible rewards redemption
    • No foreign transaction fee
    • Sign-up bonus

    Cons

    • Has annual fee
    • Redemption value for cash is half of value for travel
    • Requires good/excellent credit
    • No travel partners to earn additional rewards

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 14.24% - 24.24% Variable APR
    • Cash Advance APR: 24.24%, Variable

    Bonus Offers

    Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

    Intro APR

    • N/A
  • Additional Information
    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $95 after that

Capital One® Venture® Rewards Credit Card: The basics

  • Earn an unlimited 2 miles per dollar spent on all purchases
  • Miles can be redeemed for credit against any travel purchase, with no minimum amount to redeem
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Annual fee: $0 for the first year, then $95

Why it’s the choice

The Capital One® Venture® Rewards Credit Card used to be a clear winner over the very similar Barclaycard Arrival Plus® World Elite Mastercard®, but after Capital One raised its ongoing annual fee, the gap between the two is now razor-thin. The Capital One® Venture® Rewards Credit Card gets the nod for new cardholders for its richer sign-up bonus and greater redemption flexibility (no minimum vs. $100 minimum for the Barclaycard). Even so, those interested in longer-term value should check out the Barclaycard, too. Read our comparison of the two here.

RUNNER-UP

The Barclaycard Arrival Plus® World Elite Mastercard® has a lower annual fee but a smaller sign-up offer, and it gives you 5% of your miles back every time you redeem.


Best for bonus travel rewards

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • A large bonus
    • No foreign transaction fee
    • Cool factor - metal card
    • Earn more points on travel and dining at restaurants
    • Premium travel protection benefits

    Cons

    • $0 intro annual fee for the first year, after that $95 per year

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 17.24% - 24.24% Variable APR
    • Cash Advance APR: 26.24%, Variable

    Bonus Offers

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

    Intro APR

    • N/A
  • Additional Information
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Chase Sapphire Preferred® Card: The basics

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 2 points per dollar on travel and restaurant dining and 1 point per dollar on all other purchases
  • Points are worth 1.25 cents apiece when redeemed for travel booked through Chase
  • Points can be transferred to 13 airline and hotel partners at a ratio of 1:1
  • Annual fee: $0 for the first year, then $95

WHY IT’S THE CHOICE

The Chase Sapphire Preferred® Card offers one of the best sign-up bonuses in the business, and its high-value redemption options — including point-for-point transfers to partners such as United, Southwest, Hyatt and Marriott — have long made it a favorite for travel enthusiasts. If you’re not a big spender or you travel infrequently, however, the Chase Sapphire Preferred® Card may not be best for you.

Runner-up

The rewards on the Bank of America® Premium Rewards credit card rival those of the Chase Sapphire Preferred® Card. If you’re a Bank of America® customer with high balances, it’s a winner hands-down.


Best for flat-rate cash back

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Apply Now on Citibank's secure application
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • 0% APR period on balance transfers

    Cons

    • No sign-up bonus
    • No 0% APR for purchases
    • $25 minimum redemption

    Annual Fees

    $0

    APR

    • APR: 14.74% - 24.74% Variable APR
    • Penalty APR: Up to 29.99%, Variable
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    None

    Intro APR

    • 0% on Balance Transfers for 18 months
  • Additional Information
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • No categories to track, no caps on cash back, no annual fee*

Citi® Double Cash Card – 18 month BT offer: The basics

  • Earn 1% cash back on all purchases and another 1% back when you pay them off.
  • $0 annual fee
  • Introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 14.74% - 24.74% Variable APR.

Why it’s the choice

You’d be hard-pressed to do better than the 1% + 1% cash back you get with the Citi® Double Cash Card – 18 month BT offer, especially for no annual fee. Nitpickers will note that there’s no sign-up bonus or 0% period for purchases, and there’s a $25 minimum redemption. But its stellar cash-back rate — and the incentive that second 1% provides for paying off debt — make it an ideal everyday card.

Runners-up

The Chase Freedom Unlimited® and the Capital One® Quicksilver® Cash Rewards Credit Card each offer unlimited 1.5% cash back with no redemption minimum, a 0% period for purchases and a good sign-up bonus.


Best for bonus category cash back

Discover it® - Cashback Match™

Discover it® - Cashback Match™

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Cash back match at the end of your first year
    • Bonus cash back categories
    • No annual fee
    • 0% on purchases for 14 months and 0% on balance transfers for 14 months

    Cons

    • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
    • If you value simplicity, a flat rate cash back card may be better

    Annual Fees

    $0

    APR

    • APR: 13.24% - 24.24% Variable APR
    • Cash Advance APR: 26.24%, Variable

    Bonus Offers

    Discover will match ALL the cash back earned at the end of your first year, automatically.

    Intro APR

    • 0% on Purchases and Balance Transfers for 14 months
  • Additional Information
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
    • Earn 1% cash back on all other purchases.
    • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • Use your rewards instantly at Amazon.com checkout.
    • No annual fee.
    • View Rates and Fees

Discover it® - Cashback Match™: The basics

  • Earn 5% cash back in opt-in categories that change every three months, on up to $1,500 in spending per quarter, and 1% back on all other purchases.
  • Unique bonus for new cardmembers: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Introductory APR of 0% on Purchases and Balance Transfers for 14 months, and then the ongoing APR of 13.24% - 24.24% Variable APR
  • $0 annual fee

Why it’s the choice

The Discover it® - Cashback Match™ and the Chase Freedom® have the same cash-back structure and similar bonus categories (see them here). What gives Discover the edge is its unconventional new cardmember promotion, which puts you in charge of your bonus, and its fantastic online bonus mall, where you can score additional cash back and deep discounts. That said, opting in to bonus categories (and remembering which card to use) can be a hassle. If you prefer minimal maintenance, look to a flat-rate card.

RUNNER-UP

The Chase Freedom® offers an upfront sign-up bonus.


Best for families

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Leading cash-back rewards at U.S. supermarkets
    • Sign-up bonus
    • 0% APR period

    Cons

    • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • $25 minimum redemption

    Annual Fees

    $95

    APR

    • APR: 14.24% - 25.24% Variable APR
    • Penalty APR: 29.99%, Variable
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

    Intro APR

    • 0% on Purchases and Balance Transfers for 12 months
  • Additional Information
    • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
    • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
    • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
    • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
    • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
    • $95 annual fee.
    • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
    • Terms Apply.

Blue Cash Preferred® Card from American Express: The basics

  • Earn 6% cash back at U.S. supermarkets, on up to $6,000 in purchases per year (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.
  • Introductory APR of 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.24% - 25.24% Variable APR
  • $95 annual fee

Why it’s the choice

The Blue Cash Preferred® Card from American Express is the rare cash-back card with an annual fee, but families that spend a lot on groceries, gas and clothing can make up for it in no time, thanks to some of the highest rewards rates in the industry. Just $31 a week spent at U.S. supermarkets, for example, will cover the fee. If you spend less than $61 a week there, though, consider the no-fee alternative.

RUNNER-UP

The Blue Cash Everyday® Card from American Express has an annual fee of $0, but the rewards rates are lower (although still pretty good).


Best for 0% APR period:

Citi Simplicity® Card - No Late Fees Ever

(Not currently available on NerdWallet. Apply at citi.com)

Citi Simplicity® Card - No Late Fees Ever: The basics

  • A great introductory APR period
  • Balance transfer fee of 3% or $5, whichever is greater
  • No late fees or penalty interest rates if you miss a payment
  • $0 annual fee

Why it’s the choice

If you want to avoid racking up interest while paying off debt, the Citi Simplicity® Card - No Late Fees Ever is your card. Its solid 0% APR period can add up to hundreds in savings. Plus, its lack of late fees and penalty APRs also makes it a good choice if you lose track of due dates every once in a while. Just keep in mind that missed payments can harm your credit. If you’re looking to do a balance transfer, make sure you take into account how much the transfer fee will cost you before applying.

RUNNER-UP

The Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer offers a longer 0% intro APR period for balance transfers and shorter for purchases. Instead of late-payment forgiveness, it offers concierge service and some other perks.


Best for fair/average credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 630
    689
    Average
  • Card Details
  • Pros

    • Qualify with average credit
    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee
    • High APR

    Annual Fees

    $39

    APR

    • APR: 24.99% Variable APR
    • Cash Advance APR: 24.99%, Variable

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Use online banking to access your account, even from your smartphone, with our mobile app
    • Help strengthen your credit for the future with responsible card use

Capital One® QuicksilverOne® Cash Rewards Credit Card: The basics

  • Earn 1.5% cash back on every purchase; that’s generous for a card for average credit, and it matches the rate on the regular Capital One® Quicksilver® Cash Rewards Credit Card
  • Make your first five monthly payments on time, and you may get access to a higher credit line
  • $39 annual fee
  • The ongoing APR is 24.99% Variable APR; that’s high, so it’s best not to carry a balance

Why it’s the choice

The Capital One® QuicksilverOne® Cash Rewards Credit Card lets people with average credit enjoy the kind of rewards usually reserved for those with good or excellent credit. If you put at least $2,600 a year on the card (which would earn enough rewards to make up for the annual fee) and you pay on time and in full each month to avoid interest, it’s a great tool for building credit.

RUNNER-UP

The Capital One® Platinum Credit Card has a $0 annual fee and many of the same features, but no rewards.


Best for bad credit

Discover it® Secured Card - No Annual Fee

Discover it® Secured Card - No Annual Fee

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 300
    629
    Poor
  • Card Details
  • Pros

    • No annual fee
    • Reports to the three major credit bureaus
    • Offers rewards and a sign-up bonus
    • Chance to upgrade to unsecured account after 8 months

    Cons

    • Requires minimum deposit of $200
    • Discover cards not widely accepted outside the U.S.

    Annual Fees

    $0

    APR

    • APR: 24.24% Variable APR
    • Cash Advance APR: 26.24%, Variable

    Bonus Offers

    Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

    Intro APR

    • 10.99% on Balance Transfers for 6 months
  • Additional Information
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
    • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
    • View Rates and Fees

Discover it® Secured Card - No Annual Fee: The basics

  • Earn 2% cash back at restaurants and gas stations, on up to $1,000 in combined purchases per quarter; all other purchases earn 1% cash back
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • $0 annual fee
  • After eight months, Discover starts reviewing your account for possible upgrade to an unsecured card
  • Security deposit required (minimum $200, maximum $2,500)

Why it’s the choice

The Discover it® Secured Card - No Annual Fee is designed for bad credit, yet its rewards rival those on some cards for good credit. With a $0 annual fee and a clear path to upgrading your account, it’s got a lot going for it. The deposit requirement may be a hurdle, but the $200 minimum is lower than on some other secured cards.

Runner-up

The Capital One® Secured Mastercard® gives some cardholders a credit line larger than their deposit, and you can gain access to a higher credit line by making your first five monthly payments on time.


Best for college students

Discover it® for Students

Discover it® for Students

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 630
    689
    Average
  • Card Details
  • Pros

    • Earn 5% Cash Back in rotating categories each quarter up to the quarterly maximum when you activate
    • Qualify with average credit
    • Bonus cash back categories
    • No annual fee
    • 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months
    • No foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 14.24% - 23.24% Variable APR
    • Cash Advance APR: 26.24%, Variable

    Bonus Offers

    Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

    Intro APR

    • 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months
  • Additional Information
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.24% - 23.24%.
    • View Rates and Fees

Discover it® for Students: The basics

  • Earn 5% cash back in rotating categories that you activate, on up to $1,500 in spending per quarter, and 1% back on everything else
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn a $20 good grades bonus for each year your GPA is 3.0 or higher, up to five years
  • Introductory APR of 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months, and then the ongoing APR of 14.24% - 23.24% Variable APR
  • $0 annual fee

Why it’s the choice

The rewards and new cardmember bonus on the Discover it® for Students are the same as those on Discover’s regular cash-back card. Those offers are good by any measure, but they’re outstanding for a student card. The good-grades bonus is a nice perk, too. However, as with any student credit card, simply being a student is not enough to qualify for this card. Students under 21 will need to show significant income. Learn more about student card requirements.

Runner-up

The Journey® Student Rewards from Capital One® is a close second, and depending on how you spend, you may prefer its rewards structure. You earn 1% cash back on all purchases, which rises to 1.25% in any month when you pay on time. The annual fee is $0.


Best for small business

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Bonus offer
    • High rewards rates in certain categories
    • 0% APR period on purchases

    Cons

    • Complicated rewards program
    • Bonus categories can be changed only once a year
    • Requires good/ excellent credit

    Annual Fees

    $0

    APR

    • APR: 13.49% - 20.49% Variable APR
    • Penalty APR: 29.99%, Variable

    Bonus Offers

    Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Terms apply.

    Intro APR

    • 0% on Purchases for 9 months
  • Additional Information
    • Special Offer: Earn up to $500 cash back
    • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
    • Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
    • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
    • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
    • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
    • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
    • Terms and limitations apply

SimplyCash® Plus Business Credit Card from American Express: The basics

  • Earn 5% cash back at U.S. office supply stores and on wireless telephone service purchased directly from U.S. providers
  • Earn 3% cash back in a category you choose. Options include such things as airfare, hotels, U.S. gas stations, U.S. restaurants, advertising purchases in the U.S. and computer purchases in the U.S.
  • 5% and 3% rewards apply on up to $50,000 a year in combined spending; all other spending earns 1% cash back.
  • $0 annual fee
  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Terms apply.

why it’s the choice

A frequent complaint about small-business credit cards is that their rewards structures don’t match many entrepreneurs’ spending patterns. The SimplyCash® Plus Business Credit Card from American Express, however, allows business operators to customize their bonus rewards, without an annual fee to reduce the value they get. Last year’s choice in this category, the Capital One® Spark® Cash for Business, offers simpler rewards with a high rate — but in 2017 it raised its annual fee more than 60%. That watered down its value, especially in comparison with a $0-fee card.

Runner-up

Business operators who travel regularly should check the Ink Business Preferred℠ Credit Card. It has an annual fee of $95 but gives you a huge sign-up bonus, 3X rewards in multiple categories and a generous point redemption value.

Methodology

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

Last updated Feb. 8, 2018