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Top Credit Cards

See TheDealExperts' picks for the top credit cards in each categoy. Get the best cards for points, the hottest cards for airline miles, apply for the top cards with no annual fee & more. top credit cards | TheDealExperts Posts include best credit cards for cash back, top 10 credit cards, best credit cards to build credit, best credit cards for travel, best credit cards for rewards, best credit cards consumer reports, best credit cards for students, best credit cards for bad credit & more. Advertiser Disclosure Jump to top credit cards for: Travel | Students | Bad Credit | Cash Back | Rewards | Excellent Credit | Balance Transfers.

 

Top Credit Cards for Travel

  1. Chase Sapphire Preferred® Card

Highlights: Transferable points to other programs, 60k bonus points =$750 travel credit after spending $4,000 within 3 months, 2X points for spending on dining and travel. Some additional benefits are 25% more in travel redemption, 1:1 point transfer with select airline and hotel partners, travel insurance for select situations, car rental collision damage waiver, baggage delay insurance, travel emergency assistance, purchase protection, purchase protection, extended warranty protection, no foreign transaction fees and more. $95 annual fee. Good-Excellent credit needed. More Details & Apply
  1. Venture® Rewards from Capital One®

Highlights: 2X miles on every purchase + 10X miles for purchases at select hotels, 50k bonus miles after $3,000 spent within 90 days, $0 intro fee for 1 year, $95 after that. Up to $100 Global Entry or TSA Pre✓ reimbursement credit, miles transfer to 10+ partners, no foreign transaction fees, 24 hour travel assistance, car rental collision damage waiver, travel accident insurance, extended warranty protection and more. Good-Excellent credit needed. More Details & Apply
  1. American Express Platinum Card

Highlights: $15 in Uber Cash per month plus $20 in December (towards U.S. Uber rides), 60k Membership Rewards points after spending $5k in the first 3 months, 5X Membership Rewards points on flights booked directly with airlines or through American Express Travel, 5X Membership Rewards points on prepaid hotel bookings made through amextravel.com, $200 airline fee credit on incidental fees charged to your American Express Platinum credit card, $100 statement credit when you apply for Global Entry (every 4 years) or $85 statement credit every 4.5 years for TSA Pre✓ (on each eligible card on the account), $550 in complimentary benefits with Fine Hotels & Resorts program, access to over 1,200 airport lounges in 130 countries, $100 in annual statement credit for purchases at Saks Fifth Avenue or saks.com, access to Platinum Concierge, access to By Invitation Only events, access to preferred seating for select cultural and sporting events and more added bonuses. Annual fee is $550. Good-Excellent credit needed. More Details & Apply
  1. Chase Sapphire Reserve

Highlights: 50k bonus Points after spending $4k on purchases within first 3 months, $300 annual travel statement reimbursement credit, 3X points on select airfare and hotels and 1X points on everything else, concierge, 50% more value when redeeming points through Chase Ultimate Rewards (points are worth .015 vs. .01 elsewhere), airport lounge access at over 1,000 lounges around the world and $100 statement credit every 4 years towards TSA Pre✓ or Global Entry. $450 annual fee. Excellent credit needed. More Details & Apply
  1. American Express Gold Card

Highlights: 50k bonus points after spending $2k in your first 3 months, 4X points at restaurants worldwide and U.S. supermarkets, 3X points for flights booked directly with airlines or on amextravel.com, 1X points on all other purchases, $100 airline fee credit, purchase protection, up to 2 years of extended warranty after manufactures 5< year warranties, preferred seating, personalized travel service, premium roadside assistance, car rental loss and damage insurance, travel accident insurance, dispute resolution, return protection within 90 days and more. $250 annual fee. Good-Excellent credit needed. More Details & Apply

Top Credit Cards for Students

  1. Discover it® Student Cash Back

Highlights: Earn 5% cash back on rotating categories each quarter at places like gas stations, grocery stores, restaurants, Amazon and more up to the quarterly maximum; activation required. Plus, earn unlimited 1% cash back on all other purchases. Good Grade Reward: Earns you a $20 statement credit each school year for up to 5 years with a GPA of 3.0 or higher. Discover will automatically match your cash back earnings at the end of your first year, no signup required. No foreign transaction fee, and $0 annual fee. 0% Intro APR for 6 months on purchases. Average credit needed. More Details & Apply
  1. Discover it® Student chrome

Highlights: Earn 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter. Plus, earn 1% cash back automatically on all other purchases; no signup required. Good Grade Reward: Earns you a $20 statement credit each school year for up to 5 years with a GPA of 3.0 or higher. No foreign transaction fee, and $0 annual fee. 0% Intro APR for 6 months on purchases. No late fee on first late payment, and no APR change for paying late. Use Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers when you misplace your card. Receive free alerts if your Social Security number is found anywhere on the Dark Web. No credit history needed. More Details & Apply
  1. Chase Freedom Unlimited®

Highlights: Special temporary offer! Receive a $200 Bonus after spending $500 on purchases in the first 3 months from account opening. Special temporary offer! Earn 3% cash back on all purchases in the first year, up to $20,000.  Then 1.5% cash back on all purchases after that. Cash Back rewards don't expire.  Get 0% Intro APR on purchases and balance transfers for the first 15 months from account opening, then a variable APR of 16.99-25.74%. Free credit score and no annual fee.  Good-Excellent credit needed. More Details & Apply
  1. Citi Rewards+℠ Student Card

Highlights: The only credit card to automatically round up points earned to the nearest 10 points on every purchase. Earn 2,500 bonus points after you spend $500 in the first 3 months. 2X at Supermarkets & Gas Stations for the first $6,000 per year. 1X on all other purchases. Get 10% of your points back for the first 100,000 ThankYou Points you redeem per year. 0% Intro APR on purchases for 7 months. No annual fee. Limited or no credit history needed. More Details & Apply
  1. Journey® Student Rewards from Capital One®

Highlights: Earn 1% cash back on every purchase. Pay on time to boost your cash back to 1.25% for that month.  Increase your credit line with Credit Steps by making your first 5 monthly payments on time. Flexible: Pick the monthly due date that works best for you.  Monitor your credit for free with CreditWise. $0 fraud liability if your card is lost or stolen. No foreign transaction fees; good for studying abroad or traveling abroad. No annual fee. Average credit needed. More Details & Apply
 

Top Credit Cards for Bad Credit

  1. Capital One® Secured Mastercard®

Highlights: $49, $99 or $200 refundable security deposit required. Get a higher credit line after making your first 5 monthly payments on time with no additional deposit needed. Regular reporting to the 3 major credit bureaus. Helps to build credit and avoiding maxing out your spending limit.  No monthly or annual fees. 25-day grace period for bill payment. Pick your own monthly due date and payment method (check, online, or at a local branch). Limited or no credit history needed. Not available to those with damaged credit. More Details & Apply
  1. Credit One Bank® Platinum Visa®

Highlights: 1% cash back rewards on eligible purchases, with rewards posting automatically to your account every month. Access to your Experian credit score for free. Receive payment reminders and fraud alerts. $0 liability for fraud. EMV chip technology. Connect with Apple Pay, Samsung Pay, and Google Pay. Choose your payment due date.  Get exclusive shopping discounts from Visa. Be prepared for unexpected life events with optional 'Credit Protection'. Get automatic reviews for credit line increase eligibility. No monthly fee. 24-day grace period for bill payment. Minimum credit score needed. More Details & Apply
  1. Discover it® Secured

Highlights: Earn 2% cash back at gas stations and restaurants on up to $1,000 every quarter. Earn unlimited 1% cash back on all other purchases. Card requires a refundable security deposit, and you get to choose the deposit amount up to the credit line approved. All of the cash back you've earned at the end of your first year is automatically mached by Discover. Get your FICO credit score for free, on your monthly statements and online. Automatic review after 8 months to determine if you can transition to an unsecured line of credit and return your deposit. Get alerts if your Social Security number is found on anywhere on the Dark Web. No annual fee. Limited credit history needed. More Details & Apply
  1. Wells Fargo Secured Credit Card

Highlights: From $300 to $10,000 credit line based on the amount you deposit. Usage and payment activity shared with the credit bureaus to help eligibility for transition to unsecured card. Emergency roadside dispatch, Travel and emergency assistance services, Car rental collision damage waiver coverage, Emergency Card Replacement, and Cell phone protection. Access to your FICO credit score. $25 annual fee. 25-day grace period for bill payment. Existing Wells Fargo checking or savings account is needed to apply online. Minimum credit score needed. More Details & Apply
  1. Indigo® Mastercard®

Highlights: You can pre-qualify for the Indigo MasterCard without it impacting your credit score.  Get fraud protection for stolen or lost cards. Chip Card Technology.  View your statement, pay your bill and more with mobile account access. Account history is reported to the three major credit bureaus to help you build credit faster. Get Mastercard benefits such as extended warranty coverage and travel assistance services. 25 day grace period for bill payment. $0-$99 annual fee.  Minimum credit score needed. More Details & Apply
  1. OpenSky® Secured Visa® Credit Card

Highlights: No credit check necessary to apply. OpenSky gives an opportunity to everyone.  Choose your credit limit with refundable deposits from as low as $200. OpenSky reports to all 3 major credit bureaus to help you build credit faster. $35 annual fee. Lower than average APR. 3% foreign transaction rate. After your first year, you will have to pay a $25 fee to either add to or withdraw from your deposit. Account inactivity for more than 12 months will cause your account to close. Minimum credit needed. More Details & Apply

Top Credit Cards for Cash Back

  1. Capital One® Quicksilver® Cash Rewards Credit Card

Highlights: One-time $150 cash bonus after spending $500 within 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, every day, no rotating categories and no signups required. Cash back doesn't expire as long as your account is open. Redeem cash back for statment credits, or gift cards. $0 Annual Fee. 0% intro APR on purchases for the first 15 months, 0% APR on Balance Transfers for the first 15 months then variable APR after that. Balance transfer fee is 3%.  Travel worry-free with No Foreign Transaction Fees.  Good-excellent credit needed. More Details & Apply
  1. Capital One® Savor® Cash Rewards Credit Card

Highlights: Earn a one-time $300 cash bonus when you spend $3000 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, through May 2020 earn 8% cash back on tickets at Vivid Seats. Now through Dec. 2019 receive a monthly statement credit for a Postmates Unlimited membership. No rotating categories or sign-ups needed to earn cash rewards. $0 intro for the first year, $95 annual fee each year after that. Travel worry-free with No foreign transaction fees. 16.74% - 25.74% variable APR with No Transfer Fee.  Good-Excellent credit needed. More Details & Apply
  1. Blue Cash Preferred® Card from American Express

Highlights:  Limited-time Special offer: Earn $300, normally $250, back after spending $1,000 in purchases in the first 3 months of account opening; received in the form of a statement credit. Earn 6% cash back at US supermarkets, up to $6,000 per year in purchases, then 1% once limit is reached. Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% cash back on transit, such as taxis/rideshare, parking, tolls, trains, and buses. Earn cash back on additional cards for anyone 13 or older.  Car rental insurance coverage. Travel protection. 0% intro APR on purchases and balance transfers for 12 months, 14.74% to 25.74% variable APR after that.  $95 annual fee. Good-Excellent credit needed. More Details & Apply
  1. Wells Fargo Cash Wise Visa® Card

Highlights: Earn a $150 cash rewards bonus after spending $500 in the first 3 months from account opening. Earn unlimited 1.5% cash rewards on all purchases. Earn 1.8% cash rewards on qualified digital wallet purchases such as Apple Pay or Google Pay during the first 12 months from account opening. No rotating categories or sign-ups required and cash rewards don't expire, as long as your account is open.  When you pay your monthly cellphone bill with your Wells Fargo Cash Wise Visa Card you get up to $600 protection on your phone against covered damage or theft, (subject to $25 deductible).  $0 Annual Fee. Good-Excellent credit needed. More Details & Apply
  1. Citi® Double Cash Card

Highlights: Earn cash back twice! Earn 2% on every purchase: Earn unlimited 1% cash back when you purchase, plus an additional 1% as you pay down those purchases. You must pay the minimum balance due to receive cash back offer.  0% intro APR on Balance Transfers for the first 18 months, 15.74%– 25.74% variable APR after that. Transfers must be completed within 4 months of account opening and are subject to 3% fee of the amount of each transfer. $0 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Chase Freedom Unlimited®

Highlights: Special limited-time offer! Get a $200 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, no rotating categories or sign-ups required. No minimum in order to redeem for cash back, and rewards don't expire as long as your account is open. 0% intro APR for 15 months from account opening on purchases and balance transfers. then 16.99%–25.74% variable APR after that. 1-year extended manufacturer's warranty protection on eligible products.  Fraud alerts and fraud protection. Get your free credit score, updated weekly with Credit Journey.  $0 annual fee. Good/Excellent credit needed. More Details & Apply
 

Top Credit Cards for Rewards

  1. Chase Sapphire Preferred® Card

Highlights: Earn 60,000 bonus points, (regularly 50,000), after spending $4,000 on purchases in the first 3 months from account opening. That equals $750 toward travel when you redeem through Chase Ultimate Rewards portal. Booking with Chase Ultimate Rewards gives you 25% more value on flights, hotels, car rentals, and cruises. Earn 2X points/dollar on travel and dining (airfare and hotels to fine dining and cafés). 1:1 point transfer ratio to 9 airlines transfer partners and 3 hotel partners. Travel worry-free with no foreign transaction fees. Premium Travel and Purchase coverage, from Trip Cancellation/Interruption and rental car insurance coverage to new item purchase coverage for 120 days against damage or theft. Extended warranty coverage. $95 annual fee. Good/Excellent credit needed. SEE DETAILED REVIEW HERE!  More Details & Apply
  1. Capital One® Venture® Rewards Credit Card

Highlights: Earn a 50,000 miles sign-up bonus once you spend $3,000 on purchases in the first 3 months from account opening, which is equal to $500 in travel. Earn 2X miles on every purchase, every day. Plus, for a limited time, you can earn 10X miles on thousands of hotels, through January 2020.  Receive up to $100 application fee credit for Global Entry or TSA Pre✓. With no blackout dates, you can fly any airline, and stay at any hotel, anytime. Or you can transfer your miles to over 12 leading travel loyalty programs. Miles don't expire. Travel worry-free with no foreign transaction fee. $0 intro annual fee for the first year then $95 after that. Good/Excellent credit needed. More Details & Apply
  1. Discover it® Cash Back

Highlights:  Earn 5% cash back with rotating categories that you activate each quarter like gas stations, grocery stores, restaurants, Amazon and more, up to the quarterly maximum. Earn 1% on all other purchases. Discover will automatically match all the cash back you've earned at the end of your first year. No signing up required. And no limit to how much is matched. Redeem cash back any amount, and rewards never expire. Use can use your rewards when checking out at Amazon. Get free monitoring of personal information showing up on the dark web. Get your free FICO credit score. $0 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Capital One® Quicksilver® Cash Rewards Credit Card

Highlights: One-time $150 cash bonus after spending $500 within 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, every day, no rotating categories and no signups required. Cash back doesn't expire as long as your account is open. Redeem cash back for statment credits, or gift cards. $0 Annual Fee. 0% intro APR on purchases for the first 15 months, 0% APR on Balance Transfers for the first 15 months then variable APR after that. Balance transfer fee is 3%.  Travel worry-free with No Foreign Transaction Fees.  Good-excellent credit needed. More Details & Apply
  1. Chase Freedom Unlimited®

Highlights: Special limited-time offer! Get a $200 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, no rotating categories or sign-ups required. No minimum in order to redeem for cash back, and rewards don't expire as long as your account is open. 0% intro APR for 15 months from account opening on purchases and balance transfers. then 16.99%–25.74% variable APR after that. 1-year extended manufacturer's warranty protection on eligible products.  Fraud alerts and fraud protection. Get your free credit score, updated weekly with Credit Journey.  $0 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Capital One® VentureOne® Rewards Credit Card

Highlights: Earn a 20,000-mile bonus when you spend $1,000 on purchases within the first 3 months from account opening, which is equal to $200 in travel. Earn 1.25X miles on every purchase, every day. Plus, for a limited time, you can earn 10X miles on thousands of hotels, through January 2020. You can transfer your miles to over 12 leading travel loyalty programs. Get 0% intro APR on purchases for the first 12 months then 14.24% - 24.24% variable APR after that. With no blackout dates, you can fly any airline, and stay at any hotel, anytime. $0 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Bank of America® Cash Rewards Credit Card

Highlights: You choose your own 3% cash back rewards category! Gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. $200 online cash rewards bonus after you spend $1,000 in purchases within the first 3 months of account opening. 2% at grocery stores and wholesale clubs ($2,500 limit quarterly), and unlimited 1% on all other purchases. Enjoy 0% Introductory APR for 15 months on purchases and for any balance transfers made in the first 60 days. 15.99% - 25.99% Variable APR after that. No expiration on rewards. $0 annual fee. Good/Excellent credit needed. More Details & Apply

Top Credit Cards for Excellent Credit

  1. Chase Sapphire Preferred® Card

Highlights: Earn 60,000 bonus points, (regularly 50,000), after spending $4,000 on purchases in the first 3 months from account opening. That equals $750 toward travel when you redeem through Chase Ultimate Rewards portal. Booking with Chase Ultimate Rewards gives you 25% more value on flights, hotels, car rentals, and cruises. Earn 2X points/dollar on travel and dining (airfare and hotels to fine dining and cafés). 1:1 point transfer ratio to 9 airlines transfer partners and 3 hotel partners. Travel worry-free with no foreign transaction fees. Premium Travel and Purchase coverage, from Trip Cancellation/Interruption and rental car insurance coverage to new item purchase coverage for 120 days against damage or theft. Extended warranty coverage. $95 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Capital One® Venture® Rewards Credit Card

Highlights: Earn a 50,000 miles sign-up bonus once you spend $3,000 on purchases in the first 3 months from account opening, which is equal to $500 in travel. Earn 2X miles on every purchase, every day. Plus, for a limited time, you can earn 10X miles on thousands of hotels, through January 2020.  Receive up to $100 application fee credit for Global Entry or TSA Pre✓. With no blackout dates, you can fly any airline, and stay at any hotel, anytime. Or you can transfer your miles to over 12 leading travel loyalty programs. Miles don't expire. Travel worry-free with no foreign transaction fee. $0 intro annual fee for the first year then $95 after that. Good/Excellent credit needed. More Details & Apply
  1. Capital One® Savor® Cash Rewards Credit Card

Highlights: Earn a one-time $300 cash bonus when you spend $3000 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, through May 2020 earn 8% cash back on tickets at Vivid Seats. Now through Dec. 2019 receive a monthly statement credit for a Postmates Unlimited membership. No rotating categories or sign-ups needed to earn cash rewards. $0 intro for the first year, $95 annual fee each year after that. Travel worry-free with No foreign transaction fees. 16.74% - 25.74% variable APR with No Transfer Fee.  Good-Excellent credit needed. More Details & Apply
  1. Wells Fargo Platinum Card

Highlights: More Details & Apply
  1. Ink Business Preferred℠ Credit Card

Highlights: More Details & Apply
  1. Alliant CU Visa® Signature Card

Highlights: More Details & Apply
  1. Chase Freedom Unlimited®

Highlights: Special limited-time offer! Get a $200 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, no rotating categories or sign-ups required. No minimum in order to redeem for cash back, and rewards don't expire as long as your account is open. 0% intro APR for 15 months from account opening on purchases and balance transfers. then 16.99%–25.74% variable APR after that. 1-year extended manufacturer's warranty protection on eligible products.  Fraud alerts and fraud protection. Get your free credit score, updated weekly with Credit Journey.  $0 annual fee. Good/Excellent credit needed. More Details & Apply
 

Top Credit Cards for Balance Transfers

  1. Chase Freedom Unlimited®

Highlights: Special limited-time offer! Get a $200 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, no rotating categories or sign-ups required. No minimum in order to redeem for cash back, and rewards don't expire as long as your account is open. 0% intro APR for 15 months from account opening on purchases and balance transfers. then 16.99%–25.74% variable APR after that. 1-year extended manufacturer's warranty protection on eligible products.  Fraud alerts and fraud protection. Get your free credit score, updated weekly with Credit Journey.  $0 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Capital One® Quicksilver® Cash Rewards Credit Card

Highlights: One-time $150 cash bonus after spending $500 within 3 months from account opening. Earn unlimited 1.5% cash back on every purchase, every day, no rotating categories and no signups required. Cash back doesn't expire as long as your account is open. Redeem cash back for statment credits, or gift cards. $0 Annual Fee. 0% intro APR on purchases for the first 15 months, 0% APR on Balance Transfers for the first 15 months then variable APR after that. Balance transfer fee is 3%.  Travel worry-free with No Foreign Transaction Fees.  Good-excellent credit needed. More Details & Apply
  1. Discover it® Balance Transfer

Highlights: More Details & Apply
  1. Citi® Double Cash Card

Highlights: Earn cash back twice! Earn 2% on every purchase: Earn unlimited 1% cash back when you purchase, plus an additional 1% as you pay down those purchases. You must pay the minimum balance due to receive cash back offer.  0% intro APR on Balance Transfers for the first 18 months, 15.74%– 25.74% variable APR after that. Transfers must be completed within 4 months of account opening and are subject to 3% fee of the amount of each transfer. $0 annual fee. Good/Excellent credit needed. More Details & Apply
  1. Capital One® SavorOne® Cash Rewards Credit Card

Highlights: More Details & Apply
  1. Wells Fargo Cash Wise Visa® Card

Highlights: Earn a $150 cash rewards bonus after spending $500 in the first 3 months from account opening. Earn unlimited 1.5% cash rewards on all purchases. Earn 1.8% cash rewards on qualified digital wallet purchases such as Apple Pay or Google Pay during the first 12 months from account opening. No rotating categories or sign-ups required and cash rewards don't expire, as long as your account is open.  When you pay your monthly cellphone bill with your Wells Fargo Cash Wise Visa Card you get up to $600 protection on your phone against covered damage or theft, (subject to $25 deductible).  $0 Annual Fee. Good-Excellent credit needed. More Details & Apply  
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