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Excellent Credit Cards for 2019

From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals from our partners to find the right one for you

Standout Credit Cards in 2019

From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals from our partners to find the right one for you

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on Bank of America's secure website

Great for: Cash Back Redemption Options

Securely with Bank of America

  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don’t expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
See card details

  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
See card details

Annual Fee

$95

Bonus Value

Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.

Rewards Details

Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.

Ongoing APR

18.24% - 25.24% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

Balance Transfer Credit Cards

Get a card with an intro 0% APR offer and pay off your debt faster. Compare these deals from our partners to find the right one for you

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on Bank of America's secure website, or call (800) 322-7707

Great for: Cost-Effective Balance Transfer

Securely with Bank of America

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
See card details

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
See card details

Annual Fee

$0

Intro APR

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

Ongoing APR

15.24% - 25.24% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

Travel & Rewards Credit Cards

With travel and rewards credit cards, you can redeem rewards with multiple airlines and hotel chains, earn cash back and other perks with everyday purchases. Compare these deals from our partners to find the right one for you

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on Bank of America's secure website, or call (800) 211-3740

Great for: No Annual Fee Rewards

Securely with Bank of America

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
See card details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
See card details

Annual Fee

$0

Bonus Value

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

Rewards Details

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

Low Interest & Zero Percent Credit Cards

If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Compare these deals from our partners to find the right one for you

It looks like we don't have any cards that match your filters.

Credit card basics

A credit card is a plastic or metal card that allows you to access a line of credit offered by the bank that issued the card. Every time you pay for something with a credit card, you’re borrowing money from the card issuer to cover the purchase. You then have to pay that money back, either in full at the end of the month or over time.



HOW DO CREDIT CARDS WORK?



When you’re approved for a credit card, the bank authorizes a credit limit — the maximum amount you can borrow — to be used at your discretion. Your credit limit will depend on such factors as your income, your other debts and how much available credit you have on other cards.


Payment networks — Visa, Mastercard, Discover and American Express — process credit card transactions. They make sure that the money for the purchase gets to the merchant and that the correct cardholder gets billed.

When your bill comes, you have the option of paying a certain minimum amount, paying the whole balance in full, or paying some amount in between. Paying just the minimum every month is ultimately the most expensive option, since it will cost you the most in interest. Paying in full is the best option; when you pay in full each month, you get a grace period that allows you to avoid paying any interest on purchases at all.


Your credit card issuer reports your payments to the credit bureaus, the companies that prepare credit reports. Your payment history counts for 35% of your credit score — a three-digit number that indicates how risky it would be to lend you money. You must pay at least the minimum by the due date every month to avoid late fees and potential damage to your credit score.



HOW DO CREDIT CARDS DIFFER FROM OTHER CARDS?



A debit card is linked to your checking account; debit card purchases automatically pull money out of your account. You’re using your own money to pay for things rather than borrowing it. Some debit cards earn rewards, but they generally pale in comparison to credit card rewards. Debit cards also have weaker fraud protections.


A prepaid debit card isn’t linked to a checking account; instead, you “load” money onto the card, and you can only spend as much as you’ve loaded. These cards often charge many fees you wouldn’t pay with a regular debit card. Prepaid debit cards offer some protections, and they come with limitations. For example, some prepaid debit cards don’t offer ATM access or mobile banking. Also, not all merchants accept them.


Neither debit cards nor prepaid cards will affect your credit scores, because using them does not involve borrowing money. Only a credit card will affect your credit score.

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At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.