Underscored
Content is created by CNN Underscored’s team of editors who work independently from the CNN Newsroom. CNN earns a commission from partner links on the site but the reporting here is always independent and objective. Advertiser Disclosure

What is the best credit card? That question has more than one answer because the best credit card for you depends greatly on your needs and financial goals. You may be looking for a card that offers flexible rewards for travel, cash back to offset expenses or even a long introductory 0% annual percentage rate (APR) to save money on interest. Or if you’re a beginner, a starter credit card available to those with limited credit might be the best fit.

Whatever your reason for opening a new credit card, you’ve got plenty of options. We’ve compiled a list of the best credit cards by category to help you narrow down your choices.

Methodology

Our team of credit card experts used a data-based approach to review dozens of cards in different categories, evaluating their rewards, benefits, fees, APRs and standout features. We selected 16 credit cards that scored highly based on our weightings in various categories. Read our full methodology below.

Show summary

All information about The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored.

Chase Sapphire Preferred? Card

Key takeaways
5x
Earn 5x points on travel purchased through Chase Travel?
3x
Earn 3x points on dining, select streaming services and online groceries
2x
Earn 2x points on all other travel purchases
1x
Earn 1x points on all other purchases, plus more
Chase Sapphire Preferred? Card
4.2/5

4.2

Best card for travel rewards beginners
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome bonus offer

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

$300 Chase Travel? Credit + 60,000 bonus points
Annual fee
$95
Regular APR
20.99% – 27.99% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Sapphire Preferred is a terrific choice if you’re new to travel rewards and want the most flexibility in using your points, all for a modest annual fee. Along with offering a hefty welcome bonus, travel and dining perks, and a slew of travel and purchase protections, this card allows you to transfer Chase Ultimate Rewards? points to over a dozen airline and hotel partners, including United, Southwest, Hyatt and Marriott. But if you’re looking for simplicity, you can also redeem your points at a rate of 1.25 cents each to book flights, hotels, rental cars and more through Chase Travel?, or for cash back at a rate of 1 cent apiece. Ultimately, it’s the flexibility that makes this card a great option for beginners.

+ Pros
  • Points are worth 25% more when you redeem for eligible travel
  • No foreign transaction fee
  • Points can be transferred to loyalty program partners including JetBlue, Marriott and Hyatt
– Cons
  • $95?annual fee
  • No 0% introductory APR
  • Must book travel through Chase Ultimate Rewards to earn 5 points per dollar
Highlights
  • Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
  • Enjoy bene?ts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

Chase Sapphire Reserve?

Key takeaways
5x
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel? immediately after the first $300 is spent on travel purchases annually
3x
Earn 3x points on other travel and dining and 1x points on all other purchases
Chase Sapphire Reserve?
4.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for travel spending
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points
Annual fee
$550
Regular APR
21.99% – 28.99% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent</div>
Why we picked it

With a $550 annual fee, the Sapphire Reserve isn’t for the occasional traveler. But if you know how to make the most of the Sapphire Reserve’s benefits, you could come out ahead with perks such as up to $300 in annual travel statement credits and access to Priority Pass and Chase Sapphire lounges, as well as top-notch travel insurance coverage. Card holders earn a whopping 10x points on hotels and 5x points on flights booked through the Chase Travel? portal (after the first $300 is spent on travel purchases annually) and 3x points on dining, making this card an excellent pick if you have high expenses in those categories. And, when it comes time to redeem your points, Chase Ultimate Rewards are some of the most valuable out there.

+ Pros
  • Offers up to $300 in annual statement credits to cover travel
  • Provides luxury travel benefits such as airport lounge access
  • Points are worth 50% more when used to reserve travel through Chase Travel?
– Cons
  • $550?annual fee
  • $75 annual fee for each authorized user
  • Must book travel through Chase Travel? to unlock highest rewards rates
Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC

Capital One Venture X Rewards Credit Card

Key takeaways
2X
Earn 2 miles per dollar on all eligible purchases
5X
Earn 5 miles per dollar on flights and vacation rentals when booking via Capital One Travel
10X
Earn 10 miles per dollar on hotels and rental cars when booking via Capital One Travel
Capital One Venture X Rewards Credit Card
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best premium travel credit card
Learn More
On CardRatings’s Secure Website
Welcome bonus offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles
Annual fee
$395
Regular APR
19.99% – 29.99% (Variable)
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent</div>
Why we picked it

You’ll get hefty benefits for a $395 annual fee with the Venture X. It offers up to $300 in annual credit toward Capital One Travel bookings, free access to Priority Pass and Capital One airport lounges, a 10,000-mile bonus each card anniversary (worth at least $100 in travel), and strong travel and purchase coverage. You can easily redeem Capital One miles to erase eligible travel purchases from your statement at a rate of 1 cent each, or potentially get more value by transferring them to airline and hotel partners. Just note you’ll get a poor rate of return (0.5 cents apiece) if you use miles for cash back. If you’re looking to take advantage of high-level travel benefits at a lower annual fee than competing premium credit cards, look no further than the Venture X.

+ Pros
  • Earn 2 miles per dollar on non-bonus categories with no cap
  • Annual $300 credit toward Capital One Travel bookings
  • 10,000 bonus miles each account anniversary
– Cons
  • May charge an above-average APR
  • Charges a $395 annual fee
  • Rewards are best suited for travel and are worth much less if you redeem for cash back
Highlights
  • 2x miles on most purchases
  • 5x miles on flights and vacation rentals booked through Capital One Travel
  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 10,000 bonus miles each account anniversary
  • $300 annual travel credit
  • Ability to transfer miles to more than a dozen partners Access to airport lounges through Priority Pass, Plaza Premium Group and Capital One Lounges
  • 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening

The Platinum Card? from American Express

Key takeaways
5X
Earn 5 Membership Rewards? Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly with airlines or through Amex travel. The airline benefit is limited to the first $500,000 in purchases per calendar year.
1X
Earn 1 point for every dollar spent on other eligible purchases
Partner Offer
The Platinum Card? from American Express
Rates & Fees / Terms Apply
4.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for luxury travel perks
Apply Now
On American Express’s Secure Website
Welcome bonus offer

Earn 80,000 Membership Rewards? Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points
Annual fee
$695
Regular APR
See Pay Over Time APR
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

If you’re a regular traveler looking for upscale lifestyle and travel benefits, you may be interested in the $695-annual fee Amex Platinum (Terms apply, see rates and fees) — once you get past the sticker shock. This iconic card is jam-packed with perks including airline fee statement credits, a CLEAR? Plus membership, eligible digital entertainment and Saks Fifth Avenue credits, extensive airport lounge access, and even prepaid hotel credits. Card holders can activate Marriott Bonvoy Gold Elite status and Hilton Honors Gold status, as well as premium status with car rental companies Avis, National and Hertz. The card’s welcome offer is substantial, but the everyday rewards aren’t great. Aside from earning 5x points on airfare booked directly with airlines or through Amex Travel (on up to $500,000 in purchases per year) and 5x on prepaid hotels through Amex Travel, you’ll earn just 1 point per dollar on other spending.

+ Pros
  • Generous welcome bonus offer
  • Premium benefits including statement credits, hotel elite status and airport lounge access
  • Top-notch travel and purchase protections
– Cons
  • High annual fee
  • Base rewards rate is just 1 point per dollar on most purchases
  • Statement credits and perks can be hard to maximize
Highlights
  • Earn 80,000 Membership Rewards? Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 5X Membership Rewards? Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts? or The Hotel Collection bookings through American Express Travel using your Platinum Card?. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card? on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection? can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card? to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card?.
  • $200 Uber Cash: Platinum Card? Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card? to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $199 CLEAR? Plus Credit: CLEAR? Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Platinum Card?. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card?. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card? to your Resy profile.
  • $695 annual fee.¤
  • Terms Apply.

The World of Hyatt Credit Card

*

The information for the The World of Hyatt Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
4X
Earn 4 bonus points per $1 when you use your card at Hyatt hotels & 5 bonus points per $1 from Hyatt as a World of Hyatt member
2X
Earn 2 points per dollar at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting, and on fitness club and gym memberships
1X
Earn 1 point per dollar on all other eligible purchases
The World of Hyatt Credit Card
4.8/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best hotel credit card
Welcome bonus offer

Earn 5 free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.

Earn 5 free nights
Annual fee
$95
Regular APR
20.99% – 27.99% variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>
Why we picked it

The best hotel credit card for you depends on your preferred hotels and travel style, but all else being equal, the World of Hyatt Credit Card is an excellent choice. The $95 annual fee is easy to offset with a free night award on each card holder anniversary, valid at Category 1 to 4 Hyatt hotels (and a second free night if you spend $15,000 in a year). You’ll get complimentary World of Hyatt Discoverist status just for holding the card, too. This card is also a good pick if you’re working toward a higher tier of Hyatt elite status, because it offers five tier-qualifying night credits each year and two additional tier-qualifying night credits for every $5,000 you spend.

+ Pros
  • Substantial welcome bonus offer
  • Annual free night at Category 1 to 4 Hyatt hotels each account anniversary
  • Complimentary Discoverist elite status
– Cons
  • $95 annual fee
  • High spending requirement to unlock full welcome bonus offer
  • Low base rewards rate
Highlights
  • Earn 5 free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC

Marriott Bonvoy Brilliant? American Express? Card

Key takeaways
6X
Earn 6X Marriott Bonvoy? points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy?
3X
Earn 3X Marriott Bonvoy? points at restaurants worldwide and on flights booked directly with airlines
2X
2X Marriott Bonvoy? points on all other eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card
Partner Offer
Marriott Bonvoy Brilliant? American Express? Card
Rates & Fees / Terms Apply
4.7/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best premium hotel credit card
Apply Now
On American Express’s Secure Website
Welcome bonus offer

Earn 95,000 Marriott Bonvoy? bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 points
Annual fee
$650
Regular APR
20.49%-29.49% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

If you stay at Marriott hotels often, you can get a more comfortable travel experience with the Marriott Bonvoy Brilliant (Terms apply, see rates and fees). Frequent travelers can get value from this card that far exceeds the $650 annual fee. Card benefits include Marriott Bonvoy Platinum Elite status (perks include enhanced room upgrades, hotel lounge access and 4 p.m. late checkout), up to $300 in dining credits annually, Priority Pass airport lounge access and an anniversary free night award worth up to 85,000 Marriott Bonvoy points (resort fees may apply). Plus, big spenders get rewarded with an Earned Choice Award — in the form of five nightly upgrade awards, an additional 85,000-point free night certificate or a $1,000 discount off a mattress from Marriott Bonvoy? Boutiques — after spending $60,000 on the card in a calendar year.

+ Pros
  • Valuable perks for Marriott stays
  • Premium travel and dining benefits
  • High base rewards rate
– Cons
  • High annual fee
  • Rewards have limited flexibility
  • No introductory 0% APR
Highlights
  • Earn 95,000 Marriott Bonvoy? bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy? points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy?. Earn 3X Marriott Bonvoy? points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy? points on all other eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy?. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant? American Express? Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton? or St. Regis? when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck?: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck? (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant? American Express? Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant? American Express? Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy? Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
  • Enroll in Priority Pass? Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.

AAdvantage? Aviator? Red World Elite Mastercard?

*

The information for the AAdvantage? Aviator? Red World Elite Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
2X
Earn 2X miles for every dollar spent on eligible American Airlines purchases
1X
Earn 1X mile for every dollar spent on all other purchases
AAdvantage? Aviator? Red World Elite Mastercard?
4.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best airline credit card
Welcome bonus offer

Earn 60,000 bonus miles after your first purchase and paying the $99 annual fee in full, both within the first 90 days of account opening

60,000 miles
Annual fee
$99
Regular APR
21.24%, 25.24%, or 29.99% variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>
Why we picked it

American Airlines flyers who want to earn AA miles and get travel perks at a modest price point should consider the AAdvantage? Aviator? Red World Elite Mastercard? * The information for the AAdvantage? Aviator? Red World Elite Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . It’s not the only personal mid-tier American Airlines credit card on the market — the other is the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® * The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , which doesn’t offer as many benefits. What makes the Aviator card shine is its easy-to-earn welcome bonus and day-of-travel benefits such as a free first checked bag on domestic American Airlines itineraries, preferred boarding and in-flight Wi-Fi credits. You’ll even get a 0% intro APR on eligible balance transfers for 15 billing cycles, followed by a regular APR of 21.24% – 29.99% variable APR on purchases and balance transfer. Balance transfer must be completed within 45 days of account opening and a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies — a feature you won’t find on many co-branded airline cards. Keep in mind that you don’t have to redeem your AAdvantage miles for flights on American Airlines, either — American is part of the Oneworld alliance, so you can also use miles to book award flights on partners such as Alaska Airlines, Cathay Pacific and British Airways.

+ Pros
  • Free first checked bag for the cardholder and up to four companions on the same eligible reservation
  • Easy-to-earn welcome bonus
  • Up to $25 per year in credits toward American Airlines in-flight Wi-Fi purchases
– Cons
  • $99 annual fee
  • No access to airport lounges
  • Free checked bags only available on domestic American Airlines itineraries
Highlights
  • Earn 60,000 AAdvantage bonus miles after your first purchase and paying the $99 annual fee in full, both within the first 90 days of account opening
  • Earn a companion certificate for one guest at $99 (plus taxes and fees) after spending $20,000 on purchases and your account remains open for 45 days after your anniversary date
  • Up to $25 back as statement credits on inflight Wi-Fi purchases on American Airlines operated flights every anniversary year
  • 25% discount as statement credits on food and beverage purchases when you use your card on American Airlines operated flights
  • Earn 2 miles for every dollar spent on eligible American Airlines purchases and 1 mile for every dollar spent on all other purchases

United Club? Infinite Card

Key takeaways
4X
Earn 4 miles per dollar on United purchases
2X
Earn 2 miles per dollar on all other travel and on dining, including eligible delivery services
1X
Earn 1 mile per dollar on all other purchases
United Club? Infinite Card
4.4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best premium airline credit card
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome bonus offer

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Earn 80,000 bonus miles
Annual fee
$525
Regular APR
21.49% – 28.49% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent</div>
Why we picked it

The best airline benefits are typically reserved for elite status holders, but you don’t have to be a frequent flyer to get elite-like perks if you have the United Club Infinite. You’ll receive a United Club lounge membership (valued at up to $650), giving you access to dozens of United Club airport lounges in the US and abroad when you’re flying on a same-day ticket with United or one of its partner airlines. Your journey can get an upgrade from Premier Access? travel services (priority check-in, faster security screening, priority boarding and baggage handling privileges, where available), free first and second checked bags on United for yourself and a companion, in-flight discounts and the ability to earn Premier Qualifying Points (PQPs) toward United MileagePlus elite status. Considering those perks, this United credit card’s $525 annual fee can be an excellent value.

+ Pros
  • United Club airport lounge membership
  • Free first and second checked bags for cardholder and a companion on United
  • Up to a $100 credit toward TSA PreCheck, Global Entry or NEXUS application fee
– Cons
  • $525 annual fee
  • Must pay for your flight with the card to get free checked bags
  • Access to United Club lounges requires a same-day boarding pass for a United, Star Alliance or contracted partner operated flight
Highlights
  • Earn 80,000 bonus miles after qualifying purchases
  • Earn 4 miles per $1 spent on United®?purchases
  • Earn 2 miles per $1 spent on all other travel and dining
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC

U.S. Bank Cash+? Visa Signature? Card

*

The information for the U.S. Bank Cash+? Visa Signature? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
5X
Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
5X
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice
2X
Earn 2% cash back on one everyday category (like gas stations, grocery stores and restaurants)
1X
Earn 1% cash back on all other eligible purchases
U.S. Bank Cash+? Visa Signature? Card
4.9/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best cash back categories
Welcome bonus offer

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

$200 bonus
Annual fee
$0
Regular APR
19.49% – 29.74% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good Credit</div>
Why we picked it

Cash back credit cards come in various flavors, and the no annual fee U.S. Bank Cash+ Visa Signature Card is our top pick for generous, customizable bonus categories. You’ll earn 5% cash back in your choice of two eligible categories (up to $2,000 in combined spending per quarter, then 1%) from options such as home utilities, cell phone providers, and TV, internet, and streaming services. You’ll also get 2% back on your choice of gas and EV charging stations, grocery stores or restaurants. New card holders also qualify for an 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard APR of 19.49% – 29.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening, which can help save money on interest. If you’re looking for a card that earns cash back, the variety of bonus categories on the U.S. Bank Cash+ Visa Signature Card makes it a solid option.

+ Pros
  • High rewards rate on select purchases
  • Introductory 0% APR promotion (then 19.49% – 29.74% Variable)
  • No annual fee
– Cons
  • 5% bonus rewards rate is capped at $2,000 in spending each quarter
  • Low base rewards rate
  • Charges a foreign transaction fee
Highlights
  • $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% – 29.74%
  • No Annual Fee
  • Terms and conditions apply.

Wells Fargo Active Cash? Card

Key takeaways
2%
Earn unlimited 2% cash rewards on purchases
Wells Fargo Active Cash? Card
Rates & Fees
4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for flat-rate cash rewards
Apply Now
On Wells Fargo’s Secure Website
Welcome bonus offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 Cash Rewards
Annual fee
$0
Regular APR
19.74%, 24.74%, or 29.74% Variable APR
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>
Why we picked it

If you prefer simplicity, the Wells Fargo Active Cash? Card (Rates & Fees) is your best bet. It earns unlimited 2% cash rewards on purchases with no bonus categories to juggle and comes with decent benefits for a no annual fee card, including cell phone protection and car rental insurance. It’s also a strong choice if you’re looking for an interest-free period on purchases and balance transfers, offering a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% Variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies. You’ll want to leave this card at home if you’re traveling internationally, though, because it adds a foreign transaction fee.

+ Pros
  • Welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months
  • Offers cell phone protection
  • 0% APR offer on new purchases and balance transfers for?12 months (then 19.74%, 24.74%, or 29.74% Variable APR thereafter)
– Cons
  • Charges 3% foreign transaction fee
  • No bonus rewards categories
  • Limited perks
Highlights
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature? Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Capital One VentureOne Rewards Credit Card

Key takeaways
1.25X
Earn unlimited 1.25x 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
5X
Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Capital One VentureOne Rewards Credit Card
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best 0% APR credit card
Learn More
On CardRatings’s Secure Website
Welcome bonus offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 Miles
Annual fee
$0
Regular APR
19.99% – 29.99% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>
Why we picked it

The Capital One VentureOne is our top all-around choice if you’re looking for a card that combines a long intro 0% APR with a solid welcome bonus, rewards earning and redemption opportunities. New card holders receive a 0% intro APR on purchases and balance transfers for 15 months, 19.99% – 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you. Additionally, because the card doesn’t charge an annual fee or foreign transaction fee, it’s also our pick for the best no annual fee card. You can redeem miles at 1 cent each toward travel charged to your card (or through Capital One Travel), or transfer them to Capital One’s airline and hotel partners. This flexibility in redemption options along with its 0% APR make it a solid pick.

+ Pros
  • 0% intro APR for 15 months on purchases and balance transfers (then a 19.99% – 29.99% Variable APR)
  • No foreign transaction fee
  • Possible to transfer miles to participating loyalty programs
– Cons
  • Requires strong credit history
  • Travel must be booked through Capital One Travel to earn bonus rewards
  • May charge a high regular APR (19.99% – 29.99% Variable)
Highlights
  • 1.25x miles on most purchases
  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 20,000 miles after spending $500 on purchases within three months from account opening, equal to $200 in travel
  • 0% intro APR on purchases and balance transfers for 15 months, 19.99% – 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you
  • No annual fee
  • No foreign transaction fee

Wells Fargo Reflect? Card

Key takeaways
?
Extra-long 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5
?
Offers cellphone protection and car roadside dispatch
Wells Fargo Reflect? Card
Rates & Fees
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best balance transfer credit card
Apply Now
On Wells Fargo’s Secure Website
Welcome bonus offer

N/A

N/A
Annual fee
$0
Regular APR
17.74%, 24.24%, or 29.49% Variable APR
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>
Why we picked it

Balance transfer credit cards can give you the breathing room you need to pay off high-interest debt. The no annual fee Wells Fargo Reflect? Card (Rates & Fees) tops our list of best balance transfer cards with an ultra-long 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.74%, 24.24%, or 29.49% variable APR thereafter). Balance transfers made within 120 days from account opening qualify for the introductory rate, and a balance transfer of 5%, (minimum $5) applies.. While this Wells Fargo credit card doesn’t earn rewards, it does offer a couple of benefits you don’t usually see on cards of this type, including cell phone protection and car rental insurance. Just be sure not to use it for international purchases, because it charges a foreign transaction fee.

+ Pros
  • Long promotional APR period
  • No annual fee
  • Offers cell phone protection and car rental insurance
– Cons
  • No rewards
  • No welcome offer
  • Charges foreign transaction fees
Highlights
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit?when?you shop, dine, or enjoy an experience simply by using?an eligible?Wells Fargo credit card.

Capital One Quicksilver Student Cash Rewards Credit Card

Key takeaways
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
$50
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Capital One Quicksilver Student Cash Rewards Credit Card
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for college students
Learn More
On CardRatings’s Secure Website
Welcome bonus offer

Earn $50 when you spend $100 in the first three months.

$50
Annual fee
$0
Regular APR
19.99% – 29.99% (Variable)
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Average, Fair, Limited</div>
Why we picked it

College students looking for a simple, rewarding starter credit card should consider the Capital One Quicksilver Student. It doesn’t charge an annual fee or foreign transaction fee, allowing you to keep some extra change in your pocket. And its earning rates are straightforward — 1.5% cash back on most purchases (except Capital One Travel hotel and rental car purchases, which earn 5% cash back).

+ Pros
  • Solid cash back rate on all purchases
  • Offers a welcome bonus
– Cons
  • May charge a high APR
  • Welcome bonus is relatively small
  • Requires some credit history
Highlights
  • 1.5% cash back on most purchases
  • 5% cash back on hotels and rental cars booked through Capital One Travel
  • $50 cash bonus once you spend $100 on purchases within three months from account opening
  • No annual fee
  • No foreign transaction fees

The Blue Business? Plus Credit Card from American Express

*

The information for the The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
2X
Earn 2x points on the first $50,000 in purchases each year
1X
Earn unlimited 1x points on purchases thereafter
The Blue Business? Plus Credit Card from American Express
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best business credit card
Welcome bonus offer

Earn 15,000 Membership Rewards? points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Earn 15,000 points
Annual fee
$0
Regular APR
17.99% – 25.99% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good </div>
Why we picked it

The no annual fee Blue Business Plus from American Express (terms apply, see rates and fees) might not have the fancy bells and whistles you’ll find on premium business credit cards, but it shines for its impressive earning rate. Card holders earn 2x American Express Membership Rewards? points on the first $50,000 in purchases each year (then 1x), which is a solid return with or without an annual fee. Amex points are flexible, with redemption options including transfers to airline and hotel loyalty program partners (such as Delta SkyMiles, JetBlue TrueBlue and Hilton Honors), bookings through Amex Travel, or statement credits and gift cards. Just note you’ll want to consider a different credit card if your business spends much over $50,000 per year, since the card only offers 1 point per dollar above that threshold.

+ Pros
  • $0 annual fee
  • 2 points for every dollar your business spends on all purchases up to $50,000 each calendar year; earn unlimited 1X points on purchases thereafter
  • Car rental insurance, purchase protection and extended warranty
– Cons
  • Modest welcome bonus offer
  • 2x rate is capped at $50,000 in purchases per year, after which you only earn 1 point per dollar
  • Charges foreign transaction fees
Highlights
  • Earn 15,000 Membership Rewards? points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% – 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

All information about The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored.

Ink Business Preferred? Credit Card

Key takeaways
3x
Earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
1x
Earn 1 point per dollar on all other purchases, with no limit to the amount you can earn
Ink Business Preferred? Credit Card
4.7/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for business and travel expenses
Apply Now
On Chase Bank USA, NA’s Secure Website
Welcome bonus offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 bonus points
Annual fee
$95
Regular APR
20.74% – 25.74% Variable
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>
Why we picked it

With a massive welcome bonus and 3x bonus categories that are useful for travel and small business expenses, the Ink Business Preferred is a rewards-earning heavyweight. It’s also ideal if you’re looking for flexibility in redeeming your rewards — you can transfer points from this card to Chase’s airline and hotel partners, redeem them at a rate of 1.25 cents each through the Chase Travel? portal, or trade them in for cash back, gift cards and more at 1 cent apiece. Employee cards are free, and you’ll get a range of valuable benefits including up to $1,000 in cell phone protection per claim. For a reasonable annual fee of $95, this Chase business credit card is a great option for small business owners looking to maximize their earning potential and redemption possibilities.

+ Pros
  • Points are worth 25% more when used through Chase Travel?
  • Earn 90,000 points after spending $8,000 on purchases in the first three months of account opening
  • Points can be transferred to participating loyalty programs
– Cons
  • $95 annual fee
  • No 0% introductory APR
  • Bonus rewards capped at $150,000 in spending across bonus categories each year
Highlights
  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel?
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel?
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Discover it? Secured Credit Card

*

The information for the Discover it? Secured Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Key takeaways
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Plus, earn unlimited 1% cash back on all other purchases – automatically
Discover it? Secured Credit Card
5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for bad credit
Welcome bonus offer

Intro Offer: Unlimited Cashback Match? – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Cashback Match?
Annual fee
$0
Regular APR
27.74% Variable APR
Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>New/rebuilding credit</div>
Why we picked it

Whether you’re a credit beginner or rebuilding your credit score after some mishaps, the Discover it? Secured Credit Card * The information for the Discover it? Secured Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is worth considering. Our best credit card for bad credit requires no credit score to apply. Unlike some secured credit cards, it earns rewards — 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases per quarter (then 1% cash back) and 1% cash back on everything else. Discover’s Cashback Match program will match all the cash back you earn in the first year, too. The card’s minimum security deposit is manageable at just $200, and after your first several months with the card, Discover will automatically review your account to see if you qualify for an upgrade to the unsecured version of the card.

+ Pros
  • Discover matches your rewards in the first year
  • Automatic consideration for upgrade after six months of on-time payments
  • No annual fee
– Cons
  • Above-average APR
  • Cash back bonus at gas stations and restaurants is capped at $1,000 in combined purchases per quarter
  • Maximum credit line of $2,500 (if you put down an equivalent security deposit)
Highlights
  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Raise your credit score by 30+ points.
  • Automatic reviews starting at 7 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

Our picks at a glance

Annual feeWelcome bonusBest forStandout feature
Chase Sapphire Preferred? Card
$95
60,000 bonus points after $4,000 in purchases in your first three months from account opening. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year
Travel rewards beginners
Flexible rewards and transfer partners
Chase Sapphire Reserve?
$550
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Travel spending
Annual travel statement credit
Capital One Venture X Rewards Credit Card
$395
75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening
Premium travel
Lower annual fee than other premium cards
The Platinum Card? from American Express
$695
80,000 Membership Rewards? points after you spend $8,000 on purchases within the first six months of account opening (Terms Apply)
Luxury travel benefits
Airport lounge access and statement credits

The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

$95
five free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first three months from account opening.* These nights could be worth up to 90,000 points
Hyatt hotels
Annual free night certificate
Marriott Bonvoy Brilliant? American Express? Card
$650
95,000 Marriott Bonvoy bonus points after spending $6,000 in purchases within the first six months of card membership (Terms Apply)
Marriott hotels
Dining statement credits and annual free night

AAdvantage? Aviator? Red World Elite Mastercard? * The information for the AAdvantage? Aviator? Red World Elite Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

$99
60,000 bonus miles after your first purchase and paying the $99 annual fee in full, both within the first 90 days of account opening
American Airlines and Oneworld airlines
Free first checked bag on domestic American Airlines itineraries
United Club? Infinite Card
$525
80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
United and Star Alliance airlines
United Club airport lounge access

U.S. Bank Cash+? Visa Signature? Card * The information for the U.S. Bank Cash+? Visa Signature? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

$0
$200 rewards bonus after spending $1,000 on eligible purchases within the first 90 days of account opening
Cash back categories
Customizable 5% bonus categories
Wells Fargo Active Cash? Card
$0
$200 cash rewards bonus after spending $500 in purchases in the first three months
Flat-rate cash rewards
2% cash rewards on purchases
Capital One VentureOne Rewards Credit Card
$0
20,000 miles after spending $500 on purchases within three months from account opening, equal to $200 in travel
0% APR
Flexible travel rewards and intro APR on purchases and balance transfers
Wells Fargo Reflect? Card
$0
N/A
Balance transfers
Ultra-long intro 0% APR
Capital One Quicksilver Student Cash Rewards Credit Card
$0
$50 cash bonus once you spend $100 on purchases within three months from account opening
College students
Straightforward rewards earning and no foreign transaction fee
The Blue Business? Plus Credit Card from American Express * The information for the The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
$0
15,000 Membership Rewards? points after you spend $3,000 in eligible purchases within the first three months of account opening
Small businesses
High earning rate on the first $50,000 in purchases each year
Ink Business Preferred? Credit Card
$95
90,000 points after spending $8,000 on purchases in the first three months of account opening
Business and travel expenses
High welcome bonus offer

Discover it? Secured Credit Card * The information for the Discover it? Secured Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

$0
Cashback Match?: Discover will automatically match all the cash back you've earned at the end of your first year
Bad credit
No credit score required to apply

All information about The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored.

Why get a credit card?

  • To build your credit score: Opening and using a credit card responsibly can increase your credit score. Showing lenders you’re a trustworthy borrower by paying your card on time each month can go a long way toward building good credit.
  • To earn rewards: Many credit cards come with a substantial welcome bonus you can get after meeting a minimum spending requirement. Plus, these cards can earn points, miles or cash back for your everyday purchases. The best card for you will have an earning structure that complements your spending habits, such as earning bonus rewards at gas stations, restaurants or supermarkets.
  • To save money on interest: Credit cards with zero interest on balance transfers or purchases for a promotional period can save you money on interest while you focus on paying off your balance. With the average credit card APR sitting at over 20% per Federal Reserve data, you could realize substantial savings with a 0% interest card offer.
  • To get valuable benefits: Credit card benefits vary by card, but the best credit cards come with built-in perks that can protect your purchases, give you peace of mind when you travel and make your flights and hotel stays more comfortable. These money-saving features can make credit card annual fees easier to swallow, too.
  • To give you flexibility and security: Credit cards give you the ability to spend if you don’t immediately have cash on hand for a purchase, but with that convenience comes the responsibility of paying back what you borrow. With a credit card, you’ll also get better fraud and liability protections than with a debit card or cash.

How a credit card works

The vast majority of Americans have at least one credit card in their wallets. But what exactly are credit cards? They are revolving lines of credit that allow you to make purchases without using physical cash.

When you pay with a credit card, you’re borrowing money from the bank, credit union or other financial institution that provided your card, known as the card issuer.

Whether you’re paying in person or online, your card details travel along a behind-the-scenes information highway set up by credit card networks. Visa, Mastercard, American Express and Discover are the four big names in the credit card payment processing space (the last two also issue cards, serving a dual function). In a matter of seconds, a merchant could receive approval or denial for the transaction.

Credit cards have revolving credit limits, which reflect the maximum amount of debt you can carry at one time. If your credit limit is $1,000, you can spend up to $1,000 on the card. If you spend $200 on the card, you will have access to $800 of your credit limit until you pay off the $200.

Each month, you must make at least a minimum payment, which is usually a percentage of the outstanding amount you owe. If you carry a balance — meaning you do not pay off the full amount you charged to the card before your bill is due — your issuer will begin to charge interest on the unpaid amount.

Your interest rate, also called your annual percentage rate, is usually variable, which means the cost of borrowing can go up or down based on broader economic conditions. Credit cards may have different APRs for different situations, including a purchase APR, a balance transfer APR and a cash advance APR.

A credit card is not the same as a charge card, which generally requires that the statement is paid in full at the end of each billing cycle and often does not come with a set spending limit.

Types of credit cards

Before you dive in and apply for a credit card, you should have an idea of your credit score and what you hope to achieve with the card. Some issuers offer preapproved credit cards, which don’t guarantee approval but give you a good idea of whether your application will be successful.

You’ll find credit cards for just about every type of consumer, and depending on the credit card, you’ll get different benefits and rewards.

Rewards credit cards

As the name implies, rewards credit cards allow you to earn something in return for the purchases you make. These are the cards you want to consider if you’re looking to stockpile miles for your next vacation or stash cash back to bring down your credit card bill.

Rewards credit cards fall into four general categories:

  • Cash back credit cards: These cards earn cash or cash equivalents (like statement credits) as a percentage of each purchase you make. The best cash back credit cards earn at a high rate on all purchases and/or reward you with bonuses in certain categories, such as gas, groceries or dining.
  • Flexible points cards: Cards that earn points you can redeem in multiple ways are the most versatile. Depending on the card, redemption options may include travel, gift cards, cash back and merchandise. Many of the best travel credit cards fall into this category, earning transferable points — think Chase Ultimate Rewards?, American Express Membership Rewards, Citi ThankYou? Rewards and Capital One miles. With eligible cards, you can move points or miles to airline and hotel partners to book award travel.
  • Airline credit cards: If you’re loyal to a particular airline, opening an airline credit card can make a lot of sense. These cards earn miles in the carrier’s frequent flyer program and often come with day-of-travel benefits such as free checked bags and priority boarding — and some premium cards even include airport lounge access or elite status in the airline’s loyalty program.
  • Hotel credit cards: Co-branded hotel credit cards from chains such as Marriott, Hyatt, Hilton and IHG earn points you can redeem for free nights. These hotel-branded cards are best suited for brand loyalists, typically offering automatic elite status and bonus points on stays. Sometimes, you’ll get a free night just for renewing the card.

Balance transfer cards

Carrying a balance on a high-interest credit card can make paying off your debt difficult (and frustrating). The best balance transfer credit cards allow you to consolidate credit card debt and tackle it without paying interest for a set period, meaning all of your payments go toward the principal (as long as you make at least the minimum payment each month). You’ll typically have to pay a fee to move other card balances to your new card, but this fee can be well worth it for the interest savings.

0% APR credit cards

The best balance transfer credit cards offer 0% promotional APRs. Credit cards with zero interest on purchases and/or balance transfers for a set time can be a lifesaver if you’re unexpectedly stung by a large expense or want to pay off a big purchase over time. As with balance transfer cards, as long as you make at least the minimum payment each month, you won’t be charged interest for the duration of the 0% APR offer.

Credit-building cards

If your credit score is less than perfect, you still have credit card options — from starter credit cards for beginners to cards that are geared toward those with bad credit. Opening a credit-building card and using it responsibly can help you build — or rebuild — your credit score. And, over time, a higher credit score can open the door to better financial opportunities, such as lower mortgage interest rates.

Secured credit cards

Secured credit cards are a kind of credit-building card, and require an upfront deposit that typically acts as your credit limit and provides insurance to the issuer if you fail to pay your bill. Secured credit cards can be a good option if you have limited or bad credit. Some cards also review your account after a period of time and may return your deposit and upgrade you to an unsecured account.

Student credit cards

College students can get their financial journey started on the right foot by opening a student credit card. Some student cards allow you to apply with limited credit, and they can even earn rewards. You won’t typically find extra frills or big welcome bonus offers on these cards, but they’re a great starting point for building your credit score with responsible use.

Business credit cards

Small business owners can earn rewards for their business expenses when they have one of the best business credit cards. Many of the best options come with perks and protections that can translate into big savings. You don’t need a formal business structure or even a full-time venture to be eligible to apply for a business credit card, either. Side gigs such as freelancing, driving for Uber or reselling online can all qualify you for a business card.

How to apply for a credit card

Applying for a credit card is a relatively straightforward process. It’s easiest to apply online, but many banks also allow you to submit your application in a branch or by phone. You’ll need to provide details such as your name, address, phone number, Social Security number (SSN) and income. For business credit cards, you’ll be asked for additional details about your business.

How many credit cards should I have?

There’s no ideal number of credit cards to have. What’s best for you depends on your financial goals and habits, credit score, and ability to juggle several cards at once. If you prefer simplicity and don’t want to keep track of multiple due dates and rewards programs, one or two cards might be the best fit for you. But if you’re looking to maximize rewards on every purchase and use points for high-value redemptions such as first-class flights and luxe resort stays, having a range of cards in different programs might be more your speed.

If you’re new to credit cards, start slow. It can be tempting to go all-in on credit card rewards when you see huge redemptions for luxury travel on travel blogs and social media. But until you get the hang of using credit cards responsibly and build a long-term strategy, take it easy.

Credit card issuers, networks and co-brands, explained

What’s in a credit card name? Knowing a card’s issuer, payment network and, potentially, co-brand can be a little confusing for beginners, especially if the card doesn’t have a descriptive name. Here’s the difference between these three important terms:

  • Credit card issuer: This is the financial institution that provides the card and lends you money when you make a purchase with it. Your issuer can be a bank (such as Chase or Bank of America), credit union (such as Navy Federal or PenFed) or fintech company (such as SoFi or Chime). American Express and Discover are issuers, too, but they also act as payment networks.
  • Credit card payment network: A credit card network acts as a go-between — when you pay for a purchase with your card, the merchant sends the transaction details to the network, which then transmits the transaction to the issuer. In the US, the four major credit card networks are Visa, Mastercard, American Express and Discover. Credit card networks charge merchants a small percentage of the transaction (known as an interchange fee or swipe fee), which is why some businesses strongly prefer cash payments or don’t accept cards on certain networks.
  • Co-branded credit card: Co-branded cards are offered by credit card issuers in partnership with another company or organization (often a store brand, airline or hotel). You’ll usually see the partner’s name on the card, and any card rewards are typically with the partner’s loyalty program. For example, the Marriott Bonvoy Boundless? Credit Card * The information for the Marriott Bonvoy Boundless? Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. earns Marriott Bonvoy points, but it’s issued by Chase on the Visa network.

If you’re not sure of your card’s issuer or network, take a look at the card. The network is indicated by the Visa, Mastercard, American Express or Discover logo on the front or back of your card. The issuer may also include a logo or smaller print with contact information (such as a phone number and website address). And, if it’s a co-branded card, the partner brand’s name and/or logo are usually prominently displayed on the front of the card.

When you apply for a card online, you’ll typically do so on the issuer’s website, even if the original card advertisement is on the co-brand partner’s site. The network is usually mentioned in the terms and conditions or displayed on the card’s image.

Making the most of your credit card

You’ve done your research, applied and been approved for a card. It’s exciting when that new piece of plastic — or metal — arrives in the mail, but before you dive into using it, you’ll want to keep in mind a few general guidelines:

  • Don’t spend more than you can afford: When you pay with a credit card, you’re borrowing money from the issuer that you’ll have to pay back. The temptation to overspend is real, especially if you’re new to credit. Treat your credit card like a debit card to avoid getting into debt, and if you don’t trust yourself to do so, a credit card may not be for you.
  • Make payments on time: Your credit card issuer will send you a statement each month with a payment due date. Be sure to pay your credit card bill on time, even if it’s just the minimum payment — otherwise, you could be subject to a late fee and/or penalty rate. Plus, late payments can negatively impact your credit score.
  • Pay your balance in full: If you only make the minimum or partial payment, the remaining balance will carry over and you’ll be charged interest (unless you’re taking advantage of a 0% APR offer). Interest can add up quickly and make it very difficult to pay off the debt. Plus, interest will typically wipe out the value of rewards you’ve earned, so, again, treat your credit card like a debit card to avoid this trap.
  • Keep your credit utilization rate low: Your credit utilization rate measures the percentage of your credit line you’re using. You should aim to keep your credit utilization below 30% on each of your cards and across your credit lines. A higher utilization rate can signal to lenders that you’re struggling with finances.
  • Maximize bonus categories: Cards that earn rewards often have bonus categories that award extra points, miles or cash back when you make eligible purchases. Remembering to use the right cards in the right categories can make a big difference in your rewards earnings. For instance, the Chase Freedom Unlimited? earns 5% cash back on travel purchased through Chase Travel?, 3% back on dining and drugstores, and 1.5% back on other purchases.
  • Take advantage of benefits: It pays to read up on your card’s perks and benefits to ensure you’re not missing out. If your card comes with cell phone protection or travel insurance, for example, be sure to use the card for these purchases to take advantage of your benefits. Some cards offer statement credits for eligible spending, too.

Methodology

Our money and data analytics teams evaluated hundreds of credit cards in various categories to arrive at our top picks for 2024. The methodologies we used varied depending on the type of card — for example, in choosing the best balance transfer credit cards, the duration of the zero-interest period was a major driver in our rankings. But for the best travel credit cards, rewards earning and travel-related benefits got a heavier weight. Star ratings on this page come from the relevant associated ranking. For example, the Sapphire Preferred earned 4.2 stars in our best travel cards rankings.

To arrive at each card’s star rating out of five in each of our methodologies, we assessed factors such as:

  • Annual fees: Some of the top credit cards charge an annual fee, especially premium rewards cards with lots of benefits. We looked at each card’s perks to determine if the annual fee is worth it. That said, no annual fee cards tend to get a leg up.
  • Welcome bonuses: Many cards come with a welcome bonus of points, miles or cash back after meeting a spending requirement. We assessed the value of each bonus based on points valuations from travel website The Points Guy, and considered it in many of our rankings.
  • Other benefits: Some cards have built-in protections such as an extended warranty on purchases or cell phone coverage. Other benefits include statement credits toward eligible purchases, complimentary memberships or discounts.

What didn’t make the cut

There are a seemingly endless number of credit cards on the market, and our list highlights the best for different use cases in 2024. Many other cards are ideal for various situations but didn’t make our list. Here are a few of our favorites:

  • American Express? Gold Card: This card is ideal for foodies and topped our list of the best grocery credit cards. It earns 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year; Earn 4X Membership Rewards? points at US supermarkets on up to $25,000 per calendar year in purchases; Earn 3X Membership Rewards? points on flights booked directly with airlines or on amextravel.com; Earn 1X points on other eligible purchases.
  • Capital One Venture Rewards Credit Card: If you’re looking to earn travel rewards but don’t want to fuss with lots of bonus categories, this card is a solid choice. It earns 2x miles on most purchases (except hotels and rental cars booked through Capital One Travel, which earn 5 miles per dollar) and comes with a manageable $95 annual fee.
  • Chase Freedom Flex? * The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. and Chase Freedom Unlimited?: These no annual fee cards earn valuable Ultimate Rewards points and are ideal if you’re just starting out and don’t want to commit to an annual fee just yet. You won’t have the ability to transfer points to partners, but you can redeem points for travel booked through Chase, cash back, gift cards and more.
  • Citi Strata Premier? Card * The information for the Citi Strata Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : We rank this as the best Citi credit card for its generous earning rates (3x points on air travel, hotels, restaurants, gas stations, EV charging stations and supermarkets) and ability to transfer Citi ThankYou? points to airline and hotel partners.
  • Airline and hotel co-branded cards: We’ve highlighted just four of the top airline and hotel credit cards in this guide, but there are dozens more to consider. If you have a favorite airline or hotel chain, consider co-branded cards that earn rewards in their loyalty programs and offer perks like free checked bags or automatic elite status. For example, American Express issues four Hilton credit cards and seven Delta credit cards with different benefits and annual fees. With many co-branded cards, there are even options for small businesses.

Frequently asked questions (FAQs)

Banks may consider different things when deciding to approve you for a credit card, including your credit report, income and other factors. To improve your chances of getting approved, applying for cards that fit your credit profile is a good starting point. For example, if your credit score is in the fair range (a FICO score of 580 to 669), you won’t have much luck applying for a credit card for excellent credit. Familiarizing yourself with issuer-specific application restrictions (such as the Chase 5/24 rule) is also important to avoid wasting time applying for cards you aren’t eligible for.

The best credit card rewards to earn depend on what you want to achieve. If free or cheap travel is your main goal, it’s hard to go wrong with cards that earn transferable rewards such as Chase Ultimate Rewards? points, Citi ThankYou? points, American Express Membership Rewards? points or Capital One miles. For the most flexibility, cards that earn cash back are great, but you won’t have the potential to get outsized value from your rewards.

No single credit card is best for everyone — the right credit card for you is the one that meets your financial needs and goals. That said, our top pick for travel rewards beginners is the Sapphire Preferred, and it’s a great option for flexibility because you can redeem rewards for cash back as well.

A credit card’s interest rate, or annual percentage rate (APR), is the cost to borrow money if you don’t pay your balance in full by the due date. APRs vary by card, and some cards will charge different APRs based on customers’ credit profiles. A card may also charge different APRs for various types of transactions. For example, the purchase APR (the interest rate on new purchases) may be lower than the cash advance APR (the interest rate for withdrawing cash directly from your card). Your card may also offer an introductory 0% APR on purchases and/or balance transfers for a set period of time.

The decision to cancel a credit card requires some consideration because closing a credit card may hurt your credit score. It can make sense to cancel a card if the annual fee is a pain point for you or if you don’t like the benefits and rewards the card offers. But before you pull the trigger on canceling, consider alternatives such as asking to switch to a no annual fee card offered by the same bank — this will preserve the credit line and history and usually won’t impact your credit score. And there’s no harm in calling the bank to see if you can get a retention bonus or statement credit to help offset the fee.

Additional reporting by David McMillin.

To view rates and fees for The Platinum Card? from American Express, please visit this page.

To view rates and fees for Marriott Bonvoy Brilliant? American Express? Card, please visit this page.

All information about AAdvantage? Aviator? Red World Elite Mastercard?, Chase Freedom Flex?, Citi Strata Premier? Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Discover it? Secured Credit Card, Marriott Bonvoy Boundless? Credit Card, The Blue Business? Plus Credit Card from American Express, The World of Hyatt Credit Card and U.S. Bank Cash+? Visa Signature? Card has been collected independently by CNN Underscored.

Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines, hotel chain, or other commercial entity and have not been reviewed, approved or otherwise endorsed by any of such entities.

This content is for educational purposes only and is not intended and should not be understood to constitute financial, investment, insurance or legal advice. All individuals are encouraged to seek advice from a qualified financial professional before making any financial, insurance or investment decisions.

Note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed or may no longer be available.

Reach out to us

Want to connect with CNN Underscored Money on partnerships, inquiries or have feedback? Contact Us

More on CNN