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Excellent Credit Cards of 2019

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

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on Capital One's secure website

Great for: Dining and entertainment rewards with no annual fee

Securely with Capital One

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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Annual Fee

$0

Intro APR

0% on Purchases and Balance Transfers for 15 months

Ongoing APR

15.74% - 25.74% Variable APR

Bonus Value

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards Details

Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Recommended Credit Score

690 - 850

Good - Excellent

Pros

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

Cons

    on Capital One's secure website

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    [object Object] card art

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

    Great for: Bonus Categories and First Year Cashback Match

    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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
    See card details

    Annual Fee

    $0

    Intro APR

    0% on Purchases and Balance Transfers for 14 months

    Ongoing APR

    13.49% - 24.49% Variable APR

    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.

    Rewards Details

    Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

    Recommended Credit Score

    690 - 850

    Good - Excellent
    See NerdWallet's pros & cons

    VIEW RATES AND FEES

    [object Object] card art

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

    Great for: Balance Transfers and Bonus Categories

    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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Redeem cash back any amount, any time. Rewards never expire.
    • 100% U.S. based customer service.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • 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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    See card details

    Annual Fee

    $0

    Intro APR

    0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

    Ongoing APR

    13.49% - 24.49% Variable APR

    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.

    Rewards Details

    Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

    Recommended Credit Score

    690 - 850

    Good - Excellent
    See NerdWallet's pros & cons

    VIEW RATES AND FEES

    [object Object] card art

    on Capital One's secure website

    Great for: Easy Flat Rate Travel Rewards

    Securely with Capital One

    • 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 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    • 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 12 leading travel loyalty programs
    • 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
    See card details

    • 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 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    See card details

    Annual Fee

    $0 for the first year, then $95

    Intro APR

    N/A

    Ongoing APR

    17.49% - 24.74% Variable APR

    Bonus Value

    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

    Rewards Details

    Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture

    Recommended Credit Score

    690 - 850

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

    on Citibank's secure application

    Great for: Flat Rate Cash Back

    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 15.49% – 25.49%, based on your creditworthiness.
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • Balance Transfers do not earn cash back.
    • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, 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

    Intro APR

    0% on Balance Transfers for 18 months

    Ongoing APR

    15.49% - 25.49% Variable APR

    Bonus Value

    None

    Rewards Details

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

    Recommended Credit Score

    690 - 850

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

    on Chase's secure website

    Great for: 5% Bonus Categories

    Securely with Chase

    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • Unlimited 1% cash back on all other purchases - it's automatic
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74 - 25.49%.
    • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
    • No annual fee
    • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
    • Free credit score, updated weekly with Credit Journey℠
    See card details

    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    See card details

    Annual Fee

    $0

    Intro APR

    0% on Purchases and Balance Transfers for 15 months

    Ongoing APR

    16.74% - 25.49% Variable APR

    Bonus Value

    Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Rewards Details

    Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate; Unlimited 1% cash back on all other purchases - it's automatic

    Recommended Credit Score

    690 - 850

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

    on Capital One's secure website

    Great for: Restaurant rewards

    Securely with Capital One

    • 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
    See card details

    • 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.
    See card details

    Annual Fee

    $0 for the first year, then $95

    Intro APR

    N/A

    Ongoing APR

    16.24% - 25.24% Variable APR

    Bonus Value

    Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

    Rewards Details

    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.

    Recommended Credit Score

    690 - 850

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

    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, 14.74% - 24.74% 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, 14.74% - 24.74% 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

    14.74% - 24.74% Variable APR

    Bonus Value

    None

    Rewards Details

    n/a

    Recommended Credit Score

    690 - 850

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

    on Citibank's secure application

    Great for: Longest 0% APR Period

    Securely with Citibank

    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
    • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
    • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
    • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
    • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
    See card details

    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
    See card details

    Annual Fee

    $0

    Intro APR

    0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

    Ongoing APR

    16.24% - 26.24% Variable APR

    Bonus Value

    None

    Rewards Details

    n/a

    Recommended Credit Score

    690 - 850

    Good - Excellent
    See NerdWallet's pros & cons

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