2020's Credit
Card Winners

Play your cards right with 2020's best credit cards – from travel rewards to 0% intro APR offers and more. And while many of the winners are our partners, this didn't influence our decisions or opinions. Our opinions are our own.

Best-Of Awards > Credit Cards

Best Bonus Rewards Cash-Back Credit Card

Discover it® Cash Back

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Rewards Rate

1%-5%

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

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
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1%-5%

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

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
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
Why this CARD made the list

This card earns a high rewards rate in popular spending categories that change each quarter. The unique bonus offer can be lucrative, too.

Read our methodology

Information about the Blue Cash Preferred® Card from American Express may be out of date. This product is not available on NerdWallet.

Best Credit Card for Families

Annual Fee

$95

Rewards Rate

1%-6%

Intro offer

$250

Recommended Credit Score

Pros

  • Leading cash-back rewards at U.S. supermarkets
  • Rich bonus offer for new cardholders
  • Intro APR period on Purchases and Balance Transfers

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
  • Earn a $250 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%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • View Rates and Fees
Annual Fee

$95

Rewards Rate

1%-6%

Intro offer

$250

Recommended Credit Score

Pros

  • Leading cash-back rewards at U.S. supermarkets
  • Rich bonus offer for new cardholders
  • Intro APR period on Purchases and Balance Transfers

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
  • Earn a $250 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%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • View Rates and Fees
Why this CARD made the list

This is a great option for grocery-heavy budgets. Plus, you’ll earn rich rewards at U.S. gas stations and on eligible transit and streaming services.

Read our methodology

Best No-Annual-Fee Travel Credit Card

Wells Fargo Propel American Express® Credit Card

on Wells Fargo's website

Rates & Fees
Annual Fee

$0

Rewards Rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

Pros

  • No annual fee
  • Sign-up bonus
  • No foreign transaction fee
  • Intro APR period on Purchases and qualifying Balance Transfers

Cons

  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

Pros

  • No annual fee
  • Sign-up bonus
  • No foreign transaction fee
  • Intro APR period on Purchases and qualifying Balance Transfers

Cons

  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
Why this CARD made the list

This card offers excellent bonus rewards across a wide variety of everyday spending categories, plus a nice welcome offer — all with no card ownership cost.

Read our methodology

Information about the Capital One® Venture® Rewards Credit Card may be out of date. This product is not available on NerdWallet.

Best Flat-Rate Travel Credit Card

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

2x

Points

Intro offer

50,000

Points

Recommended Credit Score

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
  • 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 on every purchase, every day.
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • Named ‘Best Flat-Rate Travel Card' by NerdWallet, 2020.
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

2x

Points

Intro offer

50,000

Points

Recommended Credit Score

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
  • 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 on every purchase, every day.
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • Named ‘Best Flat-Rate Travel Card' by NerdWallet, 2020.
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Why this CARD made the list

This card earns a high rewards rate on every purchase, and those rewards are flexible and easy to use. Redeem them for virtually any kind of travel expense.

Read our methodology

Best Flat-Rate Cash-Back Credit Card

Citi® Double Cash Card

on Citibank's application

Annual Fee

$0

Rewards Rate

1%-2%

Intro offer

$0

Recommended Credit Score

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee

$0

Rewards Rate

1%-2%

Intro offer

$0

Recommended Credit Score

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Why this CARD made the list

With a two-part rewards system that delivers one of the best cash-back rates on the market, it's a reliable and valuable option for everyday spending.

Read our methodology

Information about the Capital One® Savor® Cash Rewards Credit Card may be out of date. This product is not available on NerdWallet.

Best Credit Card for Dining and Entertainment

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1%-4%

Intro offer

$300

Recommended Credit Score

Pros

  • No foreign transaction fee
  • Rich rewards on dining, entertainment
  • Broad definition of entertainment
  • Generous sign-up bonus

Cons

  • Has annual fee
  • High APR, no 0% intro period
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1%-4%

Intro offer

$300

Recommended Credit Score

Pros

  • No foreign transaction fee
  • Rich rewards on dining, entertainment
  • Broad definition of entertainment
  • Generous sign-up bonus

Cons

  • Has annual fee
  • High APR, no 0% intro period
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Why this CARD made the list

It’s a great fit for foodies and fun-lovers, not just because of its high rewards rates, but also for its broad definitions of “dining” and “entertainment.”

Read our methodology

Best Bonus Rewards Travel Credit Card

Chase Chase Sapphire Reserve Credit Card

on Chase's website

Annual Fee

$550

Rewards Rate

1x-3x

Points

Intro offer

50,000

Points

Recommended Credit Score

Pros

  • A large bonus
  • High rewards rate
  • High value benefits
  • Cool factor - metal card
  • No foreign transaction fee

Cons

  • High annual fee
  • Needs excellent credit
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Annual Fee

$550

Rewards Rate

1x-3x

Points

Intro offer

50,000

Points

Recommended Credit Score

Pros

  • A large bonus
  • High rewards rate
  • High value benefits
  • Cool factor - metal card
  • No foreign transaction fee

Cons

  • High annual fee
  • Needs excellent credit
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Why this CARD made the list

This card offers sweet ongoing rewards and perks, plus practical long-term value like a yearly $300 travel credit that pays back a big chunk of its annual fee.

Read our methodology

Information about the The Platinum Card® from American Express may be out of date. This product is not available on NerdWallet.

Best Premium Credit Card

Annual Fee

$550

Rewards Rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

Pros

  • Luxury travel perks (Uber credit, airline fee credit, lounge access, etc.)
  • High rewards rate in certain categories
  • No foreign transaction fees

Cons

  • High annual fee
  • Airline fee credit is limited
  • Low rewards rate on most spending
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • View Rates and Fees
Annual Fee

$550

Rewards Rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

Pros

  • Luxury travel perks (Uber credit, airline fee credit, lounge access, etc.)
  • High rewards rate in certain categories
  • No foreign transaction fees

Cons

  • High annual fee
  • Airline fee credit is limited
  • Low rewards rate on most spending
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • View Rates and Fees
Why this CARD made the list

The annual fee is high, but it unlocks wide-ranging perks like travel credits, exclusive services, airport lounge access, hotel benefits and much more.

Read our methodology

Best Hotel Credit Card

The World Of Hyatt Credit Card

on Chase's website

Annual Fee

$95

Rewards Rate

1x-9x

Points

Intro offer

25,000

Points

Recommended Credit Score

Pros

  • No foreign transaction fee
  • High-value rewards
  • Free night every anniversary year
  • Automatic elite status

Cons

  • Has annual fee
  • Hyatt has a smaller footprint than other brands
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Annual Fee

$95

Rewards Rate

1x-9x

Points

Intro offer

25,000

Points

Recommended Credit Score

Pros

  • No foreign transaction fee
  • High-value rewards
  • Free night every anniversary year
  • Automatic elite status

Cons

  • Has annual fee
  • Hyatt has a smaller footprint than other brands
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Why this CARD made the list

The card earns solid rewards and is packed with perks, including a free night every year and a chance to earn a second one, on top of a valuable sign-up bonus.

Read our methodology

Best Airline Credit Card

Chase United Airlines Mileage Plus Credit Card

on Chase's website

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1x-2x

Miles

Intro offer

60,000

Miles

Recommended Credit Score

Pros

  • Free checked bag and priority boarding
  • Two United Club passes annually
  • Primary rental car coverage

Cons

  • Has annual fee
  • Checked bag fee waived for fewer traveling partners than competitors
  • Earn 60,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA PreCheck™ Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1x-2x

Miles

Intro offer

60,000

Miles

Recommended Credit Score

Pros

  • Free checked bag and priority boarding
  • Two United Club passes annually
  • Primary rental car coverage

Cons

  • Has annual fee
  • Checked bag fee waived for fewer traveling partners than competitors
  • Earn 60,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA PreCheck™ Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Why this CARD made the list

Even occasional United flyers can benefit from perks like free checked bags, priority boarding and lounge passes. Its bonus categories are also practical.

Read our methodology

Information about the U.S. Bank Visa® Platinum Card may be out of date. This product is not available on NerdWallet.

Best 0% Intro APR Credit Card

Annual Fee

$0

Rewards Rate

N/A

Intro offer
0
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • Cell phone insurance

Cons

  • No rewards
  • Foreign transaction fee
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2020.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

N/A

Intro offer
0
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • Cell phone insurance

Cons

  • No rewards
  • Foreign transaction fee
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2020.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees
Why this CARD made the list

This card features a lengthy interest-free promo period, making it ideal for financing a big purchase or paying off debt. It also offers cell phone insurance.

Read our methodology

Best Credit Card for College Students

Discover it® Student chrome

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Rewards Rate

1%-2%

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No FICO history required.
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

  • Higher rewards available elsewhere
  • Discover cards not widely accepted outside the U.S.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1%-2%

Intro offer

Cashback Match™

Recommended Credit Score

Pros

  • No FICO history required.
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

  • Higher rewards available elsewhere
  • Discover cards not widely accepted outside the U.S.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
  • View Rates and Fees
Why this CARD made the list

Earn bonus rewards on gas and at restaurants — no category tracking required — plus a bonus for good grades and a cash-back match at the end of your first year.

Read our methodology

Best Credit Card for International Students

Deserve® Edu Mastercard for Students

on Deserve's website

Annual Fee

$0

Rewards Rate

1%

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with limited credit
  • No annual fee
  • No foreign transaction fee
  • Earns rewards

Cons

  • High APR
  • If you have at least some credit history, better options may exist
  • No SSN required for International students.
  • Available to students (enrollment verification is required).
  • Amazon Prime Student on us (get reimbursed for subscription fees up to a lifetime total of $59).
  • 1% unlimited cash back on all purchases.
  • Credit limits up to $5,000.
  • $0 annual fee & no foreign transaction fees.
  • No security deposit or co-signer required.
  • Helps students build credit history and gain financial independence.
  • Use anywhere in the world where Mastercard is accepted.
  • Includes Mastercard Platinum Benefits like Travel Assistance Services, Extended Warranty, and ID Theft Protection
  • Complimentary cellphone insurance up to $600.
Annual Fee

$0

Rewards Rate

1%

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with limited credit
  • No annual fee
  • No foreign transaction fee
  • Earns rewards

Cons

  • High APR
  • If you have at least some credit history, better options may exist
  • No SSN required for International students.
  • Available to students (enrollment verification is required).
  • Amazon Prime Student on us (get reimbursed for subscription fees up to a lifetime total of $59).
  • 1% unlimited cash back on all purchases.
  • Credit limits up to $5,000.
  • $0 annual fee & no foreign transaction fees.
  • No security deposit or co-signer required.
  • Helps students build credit history and gain financial independence.
  • Use anywhere in the world where Mastercard is accepted.
  • Includes Mastercard Platinum Benefits like Travel Assistance Services, Extended Warranty, and ID Theft Protection
  • Complimentary cellphone insurance up to $600.
Why this CARD made the list

It offers rewards and perks, with no credit history or security deposit required. International students don't even need a Social Security number to apply.

Read our methodology

Best Credit Card for Building Credit

Discover it® Secured

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Rewards Rate

1%-2%

Intro offer

Cashback Match™

Recommended Credit Score

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.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1%-2%

Intro offer

Cashback Match™

Recommended Credit Score

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.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • View Rates and Fees
Why this CARD made the list

This card offers rare features for its category, like rewards, no annual fee and the potential for an upgrade to an unsecured card after eight months.

Read our methodology

Information about the Capital One® Spark® Cash for Business may be out of date. This product is not available on NerdWallet.

Best Small-Business Cash-Back Credit Card

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

2%

Intro offer

$500

Recommended Credit Score

Pros

  • High rewards rate
  • No foreign transaction fee

Cons

  • Has annual fee
  • High APR
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

2%

Intro offer

$500

Recommended Credit Score

Pros

  • High rewards rate
  • No foreign transaction fee

Cons

  • Has annual fee
  • High APR
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Why this CARD made the list

It offers 2% cash back on all purchases with no spending caps or bonus categories to track — ideal for those seeking simplicity. There’s a plum bonus, too.

Read our methodology

Best Small-Business Travel Credit Card

The Business Platinum® Card from American Express OPEN Credit Card

on American Express's website, or call (866) 512-6673

Rates & Fees
Annual Fee

$595

Rewards Rate

1x-5x

Points

Intro offer

75,000

Points

Recommended Credit Score

Pros

  • High rewards rate on certain travel purchases
  • No foreign transaction fee
  • Bonus offer for new cardholders
  • Lounge access, airline fee credit

Cons

  • High annual fee
  • Other cards offer a higher rewards rate on non-travel spending
  • Complicated rewards structure
  • Requires good/excellent credit
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • View Rates and Fees
Annual Fee

$595

Rewards Rate

1x-5x

Points

Intro offer

75,000

Points

Recommended Credit Score

Pros

  • High rewards rate on certain travel purchases
  • No foreign transaction fee
  • Bonus offer for new cardholders
  • Lounge access, airline fee credit

Cons

  • High annual fee
  • Other cards offer a higher rewards rate on non-travel spending
  • Complicated rewards structure
  • Requires good/excellent credit
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • View Rates and Fees
Why this CARD made the list

Though the card’s annual fee is high, its perks are generous — from travel credits and redemption bonuses to airport lounge access and hotel status.

Read our methodology

Information about the Capital One® Walmart Rewards™ Mastercard® may be out of date. This product is not available on NerdWallet.

Best Store Credit Card

Annual Fee

$0

Rewards Rate

1%-5%

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • Limited rewards for in-store shopping
  • No intro APR period
  • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more
  • $0 annual fee
  • No foreign transaction fees
Annual Fee

$0

Rewards Rate

1%-5%

Intro offer

$0

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • Limited rewards for in-store shopping
  • No intro APR period
  • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more
  • $0 annual fee
  • No foreign transaction fees
Why this CARD made the list

It offers some of the richest and most flexible rewards of any store credit card, which works out well given that Walmart sells nearly everything.

Read our methodology

Best Credit Card for Fair Credit

ABOC Platinum Rewards

on Amalgamated Bank of Chicago's website

on Amalgamated Bank of Chicago's website

Annual Fee

$0

Rewards Rate

1x-5x

Points

Intro offer

150

Points

Recommended Credit Score

Pros

  • Intro APR period on Purchases and Balance Transfers
  • No Annual Fee
  • Qualify with average credit or better
  • Sign-up bonus

Cons

  • Fee of 3% of each balance transfer (minimum $5)
  • Poor cash-back redemption option
  • If you value simplicity, a flat-rate card may be better
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
Annual Fee

$0

Rewards Rate

1x-5x

Points

Intro offer

150

Points

Recommended Credit Score

Pros

  • Intro APR period on Purchases and Balance Transfers
  • No Annual Fee
  • Qualify with average credit or better
  • Sign-up bonus

Cons

  • Fee of 3% of each balance transfer (minimum $5)
  • Poor cash-back redemption option
  • If you value simplicity, a flat-rate card may be better
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
Why this CARD made the list

It offers perks not often found on cards for fair credit, like rotating rewards categories, a sign-up bonus and a 0% intro APR period.

Read our methodology

Information about the Amex EveryDay® Credit Card may be out of date. This product is not available on NerdWallet.

Best Balance-Transfer Credit Card

Annual Fee

$0

Rewards Rate

1x-2x

Points

Intro offer

10,000

Points

Recommended Credit Score

Pros

  • Decent rewards rate
  • No annual fee
  • $0 balance transfer fee for 60 days

Cons

  • Foreign transaction fee
  • Longer 0% intro APRs available elsewhere
  • Higher rewards available elsewhere
  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
  • $0 Balance Transfer Fee.¤ Balance transfers must be requested within 60 days of account opening.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.49% to 25.49%.
  • No Annual Fee.
  • Terms Apply.
  • Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1x-2x

Points

Intro offer

10,000

Points

Recommended Credit Score

Pros

  • Decent rewards rate
  • No annual fee
  • $0 balance transfer fee for 60 days

Cons

  • Foreign transaction fee
  • Longer 0% intro APRs available elsewhere
  • Higher rewards available elsewhere
  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
  • $0 Balance Transfer Fee.¤ Balance transfers must be requested within 60 days of account opening.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.49% to 25.49%.
  • No Annual Fee.
  • Terms Apply.
  • Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.
  • View Rates and Fees
Why this CARD made the list

It’s light on fees and heavy on debt-zapping features. Unlike some cards in its class, it earns rewards, so it may be worth using even after debt is paid off.

Read our methodology

To view rates and fees of the Amex EveryDay® Credit Card, please visit this page.

Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.

Best Gas Credit Card

Annual Fee

$0

Rewards Rate

1.5%

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • No reward caps

Cons

  • High APR
  • Minimum redemptions apply
  • No sign-up bonus
  • No Annual Fee
  • Unlimited 1.5% cash back on purchases everywhere Visa is accepted
  • A portion of every purchase you make with the Ducks Unlimited Rewards Visa® Card helps fund wetlands conversation efforts
Annual Fee

$0

Rewards Rate

1.5%

Intro offer

$0

Recommended Credit Score

Pros

  • No annual fee
  • No reward caps

Cons

  • High APR
  • Minimum redemptions apply
  • No sign-up bonus
  • No Annual Fee
  • Unlimited 1.5% cash back on purchases everywhere Visa is accepted
  • A portion of every purchase you make with the Ducks Unlimited Rewards Visa® Card helps fund wetlands conversation efforts
Why this CARD made the list

This card offers some of the highest rewards you’ll find on gas and at sporting goods stores, with no annual fee or membership required.

Read our methodology

Want a personalized recommendation?

Our personalized credit card recommendation quiz can help you find the perfect credit cards for you.

Frequently Asked Questions

NerdWallet's award winners are chosen through a rigorous evaluation process involving more than three dozen of our writers and editors. For each financial product, we assess the features that we believe are most important to consumers. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. For mortgages, our evaluation includes loan types, loan products, online capabilities, online rate information, customer service and complaints filed with the Consumer Financial Protection Bureau. For more info, see our methodologies.

Our team of Nerdy experts is composed of writers and editors – based all across the country – who have years of experience reviewing and writing about personal finance products for consumers.

Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.

Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of Awards lists, meaning no company can “buy” an award.

NerdWallet’s awards are given annually to the best of the best. Our other lists of top financial products throughout the year may be longer than the list of award winners, offer additional consumer choices and get updated as products change, products are discontinued and new products emerge. The dates that this year's winners were selected: Auto Insurance, Nov. 1, 2019; Banking, Oct. 1, 2019; Credit Cards, Oct. 1, 2019; Investing, Oct. 17, 2019; Mortgages, Oct. 18, 2019; Personal Loans, Oct. 1, 2019; Student Loans, Sept. 1, 2019; Travel Rewards, Sept. 1, 2019; Taxes, Jan. 9, 2020.

Our 2019 Best-Of Award winners are still live and we encourage companies to continue to celebrate their wins from this year and past years.