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SHOP CREDIT CARDS

We think you'll love these cards from our partners.
CK Editors’ Tips††: The best credit cards can help you earn rewards, build
credit or manage debt. When you’re shopping for a card, consider the goals
you’re trying to reach. Once you know what you’re looking for, you’re more
likely to focus on the features that matter most to you.
Read more
How to find the best credit card for you
The best credit card for you is one that fits your needs, not just the card that
offers the most features. When you compare cards, think about your spending
habits and credit situation. Are you willing to pay an annual fee? Do you spend
a lot on groceries? Do you need access to credit with reasonable terms?
Once you focus on the answers to these kinds of questions, you’re more likely to
find the right card for you.
How we picked the best credit cards
To pick the best credit cards, we identified several crucial categories that fit
a wide range of needs. From there, we selected the best credit cards in each
category based on our editorial reviews and deep knowledge of the overall credit
card landscape. Read more about our methodology for picking the best credit
cards.
Jump to editors’ picks

--------------------------------------------------------------------------------

Great for maximizing travel rewards††
Continue
See details, rates, & fees


CHASE SAPPHIRE PREFERRED® CARD

Great for maximizing travel rewards††


CHASE SAPPHIRE PREFERRED® CARD


912 reviews

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 * INTRO PURCHASE APR
   
   N/A


 * REGULAR PURCHASE APR
   
   21.49% - 28.49%* Variable


 * ANNUAL FEE
   
   $95


 * WELCOME BONUS
   
   
   60,000
   Points

Intro purchase APR

N/A

Regular purchase APR

21.49% - 28.49%* Variable

Annual fee

$95

Welcome bonus


60,000 Points

 * Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3
   months from account opening. That's $750 when you redeem through Chase
   Ultimate Rewards®.
 * Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®,
   3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate
   Rewards Hotel Credit, plus more.

 * Get 25% more value when you redeem for airfare, hotels, car rentals and
   cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth
   $750 toward travel.
 * 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,
   2024.
 * Member FDIC

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Great for a long balance transfer offer††
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CITI SIMPLICITY® CARD

Great for a long balance transfer offer††


CITI SIMPLICITY® CARD


331 reviews

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See details, rates, & fees


 * INTRO PURCHASE APR
   
   0% for 12 Months


 * REGULAR PURCHASE APR
   
   19.24% - 29.99%* Variable


 * ANNUAL FEE
   
   $0

Intro purchase APR

0% for 12 Months

Regular purchase APR

19.24% - 29.99%* Variable

Annual fee

$0

 * No Late Fees, No Penalty Rate, and No Annual Fee... Ever
 * 0% Intro APR for 21 months on balance transfers from date of first transfer
   and 0% Intro APR for 12 months on purchases from date of account opening.
   After that the variable APR will be 19.24% - 29.99%, based on your
   creditworthiness. Balance transfers must be completed within 4 months of
   account opening.

 * There is an introductory balance transfer fee of $5 or 3% of the amount of
   the transfer, whichever is greater for balances transfers completed within 4
   months of account opening.
 * Stay protected with Citi® Quick Lock

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These offers are no longer available on our site: Chase Freedom Flex℠, Chase
Freedom Unlimited®, BankAmericard® credit card, Petal® 1 Visa® Credit Card,
Petal® 2 Visa® Credit Card, Citi® Secured Mastercard®


HEAR FROM OUR EDITORS: THE BEST CREDIT CARDS OF OCTOBER 2023

Updated September 28, 2023

This date may not reflect recent changes in individual terms.

Editorial Note: Intuit Credit Karma receives compensation from third-party
advertisers, but that doesn’t affect our editors’ opinions. Our third-party
advertisers don’t review, approve or endorse our editorial content. It’s
accurate to the best of our knowledge when posted.

Written by: Tim Devaney

Whether you’re looking to build credit, get out of debt or earn rewards, we’ve
compiled a list of the best credit cards on the market to help you find the
right one for your wallet.

--------------------------------------------------------------------------------

 * Best no annual fee credit cards: Chase Freedom Flex℠, Chase Freedom
   Unlimited®, Citi® Double Cash Card
 * Best cash back credit cards: Chase Freedom Flex℠, Chase Freedom Unlimited®,
   Citi® Double Cash Card
 * Best travel credit cards: Bank of America® Premium Rewards® credit card,
   Chase Sapphire Preferred® Card, Capital One Venture Rewards Credit Card
 * Best rewards credit cards: Blue Cash Preferred® Card from American Express,
   Savor® Rewards from Capital One®, Capital One Venture Rewards Credit Card
 * Best low-interest credit cards: BankAmericard® credit card, Citi Simplicity®
   Card, U.S. Bank Visa® Platinum Card
 * Best balance transfer credit cards: Citi® Diamond Preferred® Card, Citi
   Simplicity® Card, U.S. Bank Visa® Platinum Card
 * Best credit cards for building credit: Discover it® Secured Credit Card,
   Petal® 1 Visa® Credit Card, Petal® 2 Visa® Credit Card
 * Best secured credit cards: Citi® Secured Mastercard®, Discover it® Secured
   Credit Card, Capital One Platinum Secured Credit Card
 * Best student credit cards: Bank of America® Travel Rewards credit card for
   Students, Discover it® Student Cash Back

--------------------------------------------------------------------------------


BEST NO-ANNUAL-FEE CREDIT CARDS

The best credit cards with no annual fee give people a chance to earn rewards
and build credit without breaking the bank.

 * Chase Freedom Flex℠: With no annual fee, you won’t have to pay for bonus cash
   back. Find out what others think in member reviews of Chase Freedom Flex℠.
 * Chase Freedom Unlimited®: For a card with no annual fee, you could earn quite
   a bit of cash back for your everyday purchases. Take a look at our review of
   Chase Freedom Unlimited® to see how.
 * Citi® Double Cash Card: You’ll earn cash back at a high rate overall without
   paying an annual fee. Learn more in our review of the Citi® Double Cash Card.


BEST CASH BACK CREDIT CARDS

The best cash back credit cards offer reward categories that fit your spending
habits.

 * Chase Freedom Flex℠: You can maximize your cash back in a new bonus category
   every quarter. Check out reviews to see what members think of Chase Freedom
   Flex℠ and learn more about the current bonus categories.
 * Chase Freedom Unlimited®: This card is worth a look if you want a high
   rewards rate on everyday purchases and several bonus categories. Take a look
   at our Chase Freedom Unlimited® review to learn more.
 * Citi® Double Cash Card: This card makes earning cash back simple with a flat
   rate for every purchase you make. Find out more in our review of Citi® Double
   Cash Card.


BEST TRAVEL CREDIT CARDS

The best travel credit cards could help you save up for a future vacation.

 * Bank of America® Premium Rewards® credit card: Quality rewards and several
   valuable perks give this card a nice value for the annual fee. Find out what
   sets this card apart in our review of the Bank of America® Premium Rewards®
   credit card.
 * Chase Sapphire Preferred® Card: The flexible travel rewards could help you
   book your next vacation through one of Chase’s airline or hotel partners.
   Take a look at our Chase Sapphire Preferred® Card review to see how.
 * Capital One Venture Rewards Credit Card: The straightforward rewards program
   could help travelers get value for their purchases without too much extra
   effort. Check out our Capital One Venture Rewards Credit Card review to learn
   more.


BEST REWARDS CREDIT CARDS

The best rewards credit cards reward you for everyday purchases.

 * Blue Cash Preferred® Card from American Express: Regular grocery shoppers
   will get plenty of opportunities to earn extra cash back. Take a look at our
   review of Blue Cash Preferred® Card from American Express to see why this
   card might make sense for you.
 * Savor® Rewards from Capital One®: If you enjoy a night out, this card could
   be your most valuable option for cash back. Find out more in our Savor®
   Rewards from Capital One® review.
 * Capital One Venture Rewards Credit Card: You’ll get a steady rewards rate on
   every purchase and a straightforward redemption process for travel. Learn
   more in our Capital One Venture Rewards Credit Card review.


BEST LOW-INTEREST CREDIT CARDS

These best credit cards with 0% intro APR offers are good for people who run
into unexpected expenses or need to finance a major purchase.

 * BankAmericard® credit card: This card features a lengthy, useful interest
   offer. Take a look at our review of BankAmericard® credit card to learn more.
 * Citi Simplicity® Card: This card also gives you a strong intro offer to pay
   off your new purchases. Find out how in our Citi Simplicity® Card review.
 * U.S. Bank Visa® Platinum Card: You could maximize the time you have to pay
   back new purchases without being charged interest. See how in our review of
   the U.S. Bank Visa® Platinum Card.


BEST BALANCE TRANSFER CREDIT CARDS

The best balance transfer cards offer options and flexibility to people trying
to pay off credit card debt.

 * Citi® Diamond Preferred® Card: This card provides more time to transfer your
   balances after approval. Learn more in our Citi® Diamond Preferred® Card
   review.
 * Citi Simplicity® Card: This card offers time to pay off your balance — and it
   has no penalty interest rates. Take a look at our review of Citi Simplicity®
   Card to learn more.
 * U.S. Bank Visa® Platinum Card: This card could be a great option if you’re
   looking for extra time to pay off your balance. Check out our review of U.S.
   Bank Visa® Platinum Card to learn more.


BEST CREDIT CARDS FOR BUILDING CREDIT

The best credit cards for building credit give people with limited credit
histories the opportunity to raise their scores.

 * Discover it® Secured Credit Card: You’ll need to pay a security deposit, but
   this card offers rewards and the chance to graduate to an unsecured card.
   Check out our review of Discover it® Secured Credit Card for more
   information.
 * Petal® 1 Visa® Credit Card: You’ll get a chance to build credit without being
   charged an annual fee or security deposit. Read Petal® 1 Visa® Credit Card
   member reviews for more takes.
 * Petal® 2 Visa® Credit Card: You’ll have the opportunity to earn quality
   rewards while you build credit. Take a look at our Petal® 2 Visa® Credit Card
   review to learn more.


BEST SECURED CREDIT CARDS

The best secured credit cards give people access to credit when they might not
be able to qualify for other cards.

 * Citi® Secured Mastercard®: This card lets you track your progress as you
   build credit with access to a free FICO score. Check out our review of Citi®
   Secured Mastercard® to learn more.
 * Discover it® Secured Credit Card: You could earn rewards while building
   credit. Find out how in our Discover it® Secured Credit Card review.
 * Capital One Platinum Secured Credit Card: You can build credit, and you might
   qualify to pay a security deposit that could be lower than your credit line.
   Take a look at our Capital One Platinum Secured Credit Card review to learn
   more.


BEST STUDENT CREDIT CARDS

The best student credit cards give students a head start on building credit.

 * Bank of America® Travel Rewards credit card for Students: You could build
   credit and earn rewards to use while studying abroad or taking a spring break
   trip. Find out more in our Bank of America® Travel Rewards credit card for
   Students review.
 * Discover it® Student Cash Back: You could build credit and earn rewards. See
   what others think about this card by reading member reviews of Discover it®
   Student Cash Back.


HOW TO PICK THE BEST CREDIT CARD FOR YOU

Picking the best credit card depends on where you are in your credit journey.
Take a look at each of these scenarios to see which type of card suits your
needs best.


DO YOU WANT TO BUILD CREDIT?

If you’re new to credit or you’re trying to bounce back from previous financial
mishaps, your top priority should probably be to build credit. Unfortunately,
the credit cards with the most rewards and lowest interest rates might not be
available to you just yet.

But you can still find and apply for cards that you may be more likely to get
approved for. That can help give you a better chance of avoiding the hard credit
inquiry that comes with applying for a card and then being rejected.

Consider a secured card or an unsecured card meant to build credit. These
options can help you build credit as long as you pay off your statement
balance in full by the due date. Just make sure the card issuer reports your
payments to the three major consumer credit bureaus.


DO YOU WANT TO FINANCE A BIG PURCHASE OR PAY OFF DEBT?

If you think you might need to carry a balance or finance a major purchase, you
might want to look for a card with a low purchase APR. A card with an
introductory 0% APR offer on purchases could be a good way to save money on
interest.

If you already have credit card debt, one option for paying it down is a balance
transfer card.  These cards let you move your balance to a new card that might
start with an intro 0% APR offer.

If you’re considering a balance transfer, it’s a good idea to estimate how much
you could save before you apply for a card — our balance transfer calculator can
help you weigh your options.


DO YOU WANT CASH BACK OR TRAVEL REWARDS?

If you don’t need to build your credit and don’t plan to carry or transfer a
balance, you can prioritize finding the right rewards program or valuable perks.

Cash back cards can help you earn money back for your daily purchases. These
cards might offer a flat rate on all purchases or bonus rates in certain
categories. Consider a card that lines up with your spending to maximize your
rewards opportunities.

If you prefer travel rewards, there are a variety of ways to get points and
perks with different credit cards. Some programs even let you transfer your
points to other reward systems to get an even better value.

When you consider a rewards card, take a look at the value you can get relative
to the annual fee. Some of our favorite cards on the market come with annual
fees of several hundred dollars, but those options can be worth it for regular
travelers and people who are willing to work a little to get the most out of
their rewards.


HOW WE PICKED THE BEST CREDIT CARDS

It’s impossible to pick the absolute “best” credit card — there’s no single card
that’s right for everyone.

For example, a premium rewards card might be great for big spenders who can make
use of the perks, but it’s not worth much to someone with a limited credit
history who’s unlikely to qualify.

To meet the needs of different groups, we organized our picks into categories
that fit different situations. When possible, we also tried to choose cards that
could appeal to varying experiences within each category.

If you don’t see a card on our list that fits your needs, we recommend diving
into the pages for each specific category on Credit Karma. Our editorial reviews
and explanations can help guide you through the options available to you.

--------------------------------------------------------------------------------

About the author: Tim Devaney is a personal finance writer and credit card
expert at Credit Karma. He’s a longtime journalist who prides himself on being a
good storyteller who can explain complex information in an easily digestible wa…
Read more.



FAQ: EDITORS’ ANSWERS

Editorial Note: Credit Karma receives compensation from third-party advertisers,
but that doesn’t affect our editors' opinions. Our marketing partners don’t
review, approve or endorse our editorial content. It’s accurate to the best of
our knowledge when posted. Read our Editorial Guidelines to learn more about our
team.
Why get a credit card?
Credit cards can be a useful tool. Cards can be helpful for building credit
because they can report your usage to the three main credit bureaus, which is
why it’s so important to use your card responsibly (like paying your card in
full and on time every month). Your credit can affect whether you’re approved
for a loan and how much the loan will cost you. It can even affect your ability
to get an apartment.
On top of that, many cards offer rewards like cash back or points that you can
redeem all sorts of ways. But rewards could tempt you into spending more than
you would otherwise, and there’s no guarantee they’ll provide more value than
the cost of maintaining the card.
Credit cards can also give you some wiggle-room in emergency situations when you
don’t have cash on hand. You have to be careful, though, because interest rates
(the amount you pay for borrowing money) on credit cards can be expensive and
land you in debt.
How to choose a credit card
There are three things you should probably consider when looking for a new
credit card.
First, how’s your credit? If you have little or bad credit, your options may be
limited to secured cards or credit-building cards. If your credit is sparkling,
you’ll likely have access to more options that can come with better rewards or
lower APRs.
Second, how would you use your credit? Will you pay off the card on time and in
full each month? If not, consider a card with low interest rates. If you’re
trying to pay down existing credit card debt, a card with a 0% introductory
balance transfer APR offer might be your best bet.
Third, what do you spend on? If you’re footloose, a travel credit card could
help subsidize your trips. There’re also cash back cards, if you’d rather get
moolah instead of miles. No matter your preference, try to match your card’s
rewards to your spending habits to get the most bang for your buck.
What kinds of credit cards can you get with bad or little credit?
If you have bad or little credit, your choices for credit cards tend to be more
limited. But there are probably still options to fit your situation.
Secured cards offer you a credit line in exchange for a security deposit. The
card issuer holds the deposit in a separate account as collateral in case you
don’t pay your bill. That means issuers already have some protection against not
getting paid back, so these cards tend to be easier to qualify for. Plus, many
secured cards report to all three major credit bureaus. That can help you build
credit if you’re careful about how you use the card, which includes paying on
time and keeping your expenses low. If things go well, you may eventually be
able to get approved for an unsecured card.
There are also unsecured cards created specifically for students, people who are
new to credit, or folks who have maybe made some mistakes in the past. These
cards tend to have higher interest rates and are less likely to have rewards,
but you won’t have to put down a security deposit while working on your credit.
How many credit cards should you have?
There’s no right number of credit cards for every person — it all depends on
your needs.
For one thing, you don’t have to get a credit card at all if you don’t want one.
Some people know that a card will be too big of a temptation to overspend, so
they forgo credit cards entirely and choose to build credit in other ways.
Other people like to maximize rewards from cards, so they get a few that allow
them to reap the benefits from every type of spending they do. However, it can
be hard to keep track of your finances with a lot of cards. If you’re likely to
miss payments or rack up debt, then maybe having multiple cards isn’t for you.
Having more cards could also affect your credit in a lot of different ways (e.g.
changing your credit utilization rate or your average account age) beyond
missing payments, so it’s important to consider the full impact of a card before
go wild with applications. Plus, you should consider that each application could
trigger a hard inquiry, which may affect your credit. The immediate benefit of a
card should only be part of what you consider.


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†† The opinions you read here come from our editorial team. Intuit Credit Karma
receives compensation from third-party advertisers, but that doesn’t affect our
editors' opinions. Our marketing partners don’t review, approve or endorse our
editorial content. It’s accurate to the best of our knowledge when it’s posted.
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