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Best-of-the-Best Credit Cards of 2019

NerdWallet's ratings formulas for Credit Cards take into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards, and other features. Some of the products we feature are from our partners.

[object Object] card art

on Chase's website

Great for: Airline Miles and a Large Bonus

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Securely with Chase

  • Earn 60,000 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
See card details

  • Earn 60,000 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
See card details

Annual Fee

$95

Rewards Details

Earn 5X points on Lyft rides through March 2022, 2X points on travel and dining at restaurants, & 1 point per dollar spent on all other purchases worldwide

Bonus Value

Earn 60,000 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®

Ongoing APR

15.99% - 22.99% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Wells Fargo's website

Great for: Travel rewards with no annual fee

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Securely with Wells Fargo

  • 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
See card details

  • 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
See card details

Annual Fee

$0

Rewards Details

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

Bonus Value

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Ongoing APR

13.99% - 25.99% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
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[object Object] card art

on Citibank's application

Great for: Flat Rate Cash Back

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Securely with Citibank

  • 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.
See card details

  • 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.
See card details

Annual Fee

$0

Rewards Details

Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases

Bonus Value

None

Ongoing APR

13.99% - 23.99% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

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

Great for: Bonus Categories and First Year Cashback Match

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Securely with Discover

  • 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
See card details

  • 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.
See card details

Annual Fee

$0

Rewards Details

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.

Bonus Value

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.

Ongoing APR

11.99% - 22.99% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
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VIEW RATES AND FEES

[object Object] card art

on US Bank's website

Great for: Long 0% Intro APR period

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Securely with US Bank

  • 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 2020 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
See card details

  • 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 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
See card details

Annual Fee

$0*

Rewards Details

n/a

Bonus Value

None

Ongoing APR

13.99% - 23.99%* Variable APR

Recommended Credit Score

690 - 719

Good - Good
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VIEW RATES AND FEES

[object Object] card art

on Chase's website

Great for: Premium rewards and perks

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Securely with Chase

  • 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.
See card details

  • 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
See card details

Annual Fee

$550

Rewards Details

3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

Bonus Value

Earn 50K 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®

Ongoing APR

16.99% - 23.99% Variable APR

Recommended Credit Score

720 - 850

Excellent - Excellent
See NerdWallet's pros & cons
[object Object] card art

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

Great for: Rewards on a Secured Card

NerdWallet Rating
Securely with Discover

  • 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
See card details

  • 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.
See card details

Annual Fee

$0

Rewards Details

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.

Bonus Value

Discover will automatically match all the cash back you’ve earned at the end of your first year.

Ongoing APR

22.99% Variable APR

Recommended Credit Score

300 - 629

Poor - Poor
See NerdWallet's pros & cons

VIEW RATES AND FEES

Want to see more winners?
  • Check out our pick for 2019's best-of-the-best balance transfer card, the Amex Everyday®.
  • Check out our pick for 2019's Best Flat Rate Travel Card, Barclaycard Arrival Plus.

    The information related to Amex Everyday & Barclaycard Arrival Plus has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

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