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Best credit cards for rewards in 2021

Take advantage of miles, points and perks with a card that best fits your lifestyle.

The best rewards credit cards offer market-leading earning rates and value for points and miles that can easily offset an annual fee. Finder’s expert credit card team analyzed and compared over 200 rewards cards in detail — weighing reward categories, the average value of points upon redemption, welcome offer value, annual fees, and introductory APRs – to determine the best performing rewards cards for 2021 across 11 categories.
  • Why trust us? Unlike our competitors, Finder’s credit card experts research and write about all credit cards, including those from providers who aren’t partners on our site. Our trustworthy, unbiased evaluations are solely meant to help you choose the best credit card for your financial needs.

What are the best rewards credit cards?

Best for flat-rate cash back
Chase Freedom Unlimited®

Chase Freedom Unlimited® logo
Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$200
Welcome offer
While the Chase Freedom Unlimited®'s 1.5% back on all purchases is slightly lower than the 2% back that some cards offer, there are other categories that earn more cash back and make up for this difference. For example, you earn 3% back on dining, takeout and delivery, 3% back on drugstore purchases and 5% back on travel purchased through Chase Ultimate Rewards.

No other similar card offers a rewards program as robust as this one. Plus, you can get a way higher value if you combine multiple Chase credit cards.

  • Earn cash back. Earn 5% cash back on Chase Travel Portal purchases, 3% back on dining, including takeout and delivery, and 3% back on drugstore purchases. On everything else, earn 1.5% back.
  • Signup bonus. Get a $200 bonus when you spend $500 within your first 3 months of account opening.
  • Intro APR on purchases. Enjoy a 15 months 0% intro APR period on purchases. After that, a variable APR of 14.99% to 23.74% applies.
  • Foreign transaction fee. All purchases made abroad or online with foreign merchants cost 3% of the amount.
  • No intro balance transfer. You won't find an intro period on balance transfers with this card.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR 14.99% to 23.74% variable
Welcome offer $200 after spending $500 in the first 3 months
Rewards 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

Best for groceries and streaming services
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 6%
Cash back
$300
Welcome offer
No other card offers what the Blue Cash Preferred® Card from American Express does — the highest rewards rate at US supermarkets and on select US streaming services. What's more, these two are not the only categories where you earn accelerated cash back as statement credit. Gas purchases at US gas stations as well as taxis, rideshares, parking, tolls, trains and bus rides are also highly rewarding.

These rewards are topped off with a handy intro APR on purchases, making it a great all around rewards card for families. The Blue Cash Preferred® Card from American Express is the card by which other everyday rewards cards are measured.

  • Earn cash back. Earn 6% cash back as statement credit at US supermarkets on up to $6,000 per year. After that, you'll earn 1% back. You'll also earn 6% on select US streaming services and 3% on transit purchases. At US gas stations you'll earn 3% back. For everything else you buy, you'll get 1% back.
  • Welcome offer. Get $300 in statement credit after spending $3,000 on purchases in the first 6 months of card membership.
  • Intro APR period. Enjoy a 0% intro APR period on purchases for the first 12 months of account opening. After that, a variable APR of 13.99% to 23.99% applies.
  • Annual fee. After the intro period, you'll pay $95 annually to enjoy the card and its perks.
  • No intro balance transfer. This card's intro balance transfer offer was removed in 2020.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $300 statement credit after spending $3,000 in the first 6 months
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best for welcome offer
The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 10x
Points
75,000
Points welcome offer
With The Platinum Card® from American Express, you earn 75,000 points after meeting spend requirements. Given that these points can potentially double in value when redeemed on travel, you're looking at a welcome offer worth up to $1,500. Combine that with the rewards boost on select categories and you're looking at up to $4,500 welcome offer value — a market-leading offer.

Aside from the generous welcome offer, The Platinum Card® from American Express is a mainstay in the rewards space thanks to its great rewards rate on airfare, travel credits and perks.

  • Welcome offer. Get 75,000 membership rewards points after you spend $5,000 on purchases in the first 6 months of card membership. Also earn 10x points at US gas stations and supermarkets, up to $15,000 within your first 6 months of account opening. That's up to $4,500 worth of rewards when transferred to travel partners.
  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. On all other eligible purchases, you'll earn 1x points. Starting January 1, 2021, however, your 5x points on flights will be capped on up to $500,000 annually, reverting to 1x points after that.
  • Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.
  • Uber cash credit and benefits. Get $15 Uber cash credit each month and an additional $20 cash credit in December for a total of $200 every year to use on Uber Eats or Uber rides. On top of that, you get Uber VIP status, where available, without meeting the minimum requirements.
  • Global lounge access. Access more than 1,300 lounges worldwide, including Priority Pass lounges after enrollment, the Centurion Lounge, Delta Sky Club and the International American Express lounges. Similar travel cards typically offer access only to Priority Pass lounges.
  • Annual fee. Expect to pay $550 for the card. This may seem like a lot, but if you travel often, you can easily offset the fee.
  • Not widely accepted abroad. American Express is not as widely accepted worldwide as Mastercard and Visa.
Annual Fee $550
Purchase APR See Pay Over Time APR
Balance transfer APR N/A
Welcome offer 75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
Rewards 10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
Terms apply to American Express benefits and offers.

Best for rotating categories
Chase Freedom Flex℠

Chase Freedom Flex℠ logo
Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$200
Welcome offer
The Chase Freedom Flex℠ is the best card for categories that change each quarter because aside from those categories, you get to earn 5% back on travel made through Chase Ultimate Rewards and Lyft purchases until March 2022.

On top of this, the Chase Freedom Flex℠ offers 3% back on dining and drugstores, plus you get to earn a solid $200 welcome offer, creating a top of the line rewards card, unmatched by any similar card.

  • Cash back. Earn 5% cash back on up to $1,500 in combined purchases each quarter on rotating categories, then 1%. Earn 5% cash back on purchases made through the Chase Travel Portal, 3% back on dining purchases including delivery and takeout, and 3% back on drugstore purchases.
  • Signup bonus. Earn a $200 cash bonus after you spend $500 in your first 3 months when you open your account.
  • Intro APR on purchases. Get a 0% intro APR period on purchases when you open your account. After that, a variable APR of 14.99% to 23.74% variable applies.
  • No intro balance transfer offer. This card only comes with an intro APR on purchases, not on balance transfers.
  • Rewards require activation. To earn your 5% back on rotating categories, you'll need to activate the bonus each quarter.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR 14.99% to 23.74% variable
Welcome offer $200 after spending $500 in the first 3 months
Rewards 5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

Best for travel
Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
Up to 10x
Points
60,000
Points welcome offer
At first glance, the Chase Sapphire Reserve®'s earning rates aren't as high as what other travel cards offer. Reedem your points on travel purchases through the Chase Ultimate Rewards and your points value jumps by 50%. This is in line with similar premium travel cards.

On top of that, there's a host of travel perks like Priority Pass lounge access and $300 annual travel credit, both useful for frequent travelers. The travel credit alone halves the cost of the $550 annual fee.

  • Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $900 if you redeem through the Chase Ultimate Rewards travel portal.
  • Earn rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. The 3x points can be worth 4.5% back if redeemed on travel purchases through the Chase Ultimate Rewards. You also earn 10x points on Lyft purchases until March 2022. This can be worth up to 15% back in travel purchases via the Chase Ultimate Rewards portal.
  • Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.
  • Points transfer to partners. Transfer your points to partner airlines and hotels in a 1:1 ratio. Partners include Southwest, United Airlines, JetBlue, Hyatt, IHG and Marriott.
  • Priority Pass lounge access. Enroll in Priority Pass to get access to more than 1,000 airport lounges worldwide.
  • Annual fee. Awesome perks come with a high annual fee. You'll pay $550 annual fee for the card.
  • No intro APR. This card lacks an intro APR on purchases and balance transfers.
Annual Fee $550
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best for gas
Sam's Club® Mastercard®

Sam's Club® Mastercard® logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (670-850)
See offer
on Synchrony Bank's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$30
Welcome offer
Other gas cards typically offer a lower rewards rate than the Sam's Club® Mastercard®, but some may have a higher annual cap. For pure gas rewards, though, this card is unmatched. Aside from earning one of the highest cashback rates on gas, you earn cash back at Sam's Club and on dining. What's more, you get to enjoy these benefits without paying an annual fee. Although, you need a Sam's Club membership to apply for the card.
  • Cash back. Earn 5% cash back on gas for the first $6,000 spent annually, 1% after that. This applies on all gas purchases, not only at Sam's Club. Also, earn up to 5% back on Sam's Club purchases with a Sam's Club Plus membership, 3% back on dining and takeout, and 1% back on everything else you buy.
  • No annual fee. You won't pay an annual fee to own the card.
  • Cash advance at register. You can request up to $100 cash advance at the register. This comes with high fees, which is why you should avoid it as much as possible, but it can be useful in emergencies.
  • Sam's Club membership required. You need to have a Sam's Club membership to apply for the card.
  • Limited reward redemption options. You can only redeem your rewards once a year.
Annual Fee $0
Purchase APR 14.9% to 22.9% variable
Balance transfer APR 14.9% to 22.9% variable
Welcome offer Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases
within 30 days.
Rewards Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases

Best for small purchases
Citi Rewards+® Card

Citi Rewards+® Card logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Citi's secure site
670
Min. credit score
$0
Annual fee
Up to 2x
Points
15,000
Points welcome offer
The Citi Rewards+® Card leading perk is the round-up feature where every purchase is rounded up to the nearest 10. This makes purchases of $1 and $2 earn 10% and 5% respectively back in points. No other card comes even close to rewarding small purchases like this one does.
  • Rewards points. Earn 2x points at supermarkets and gas stations on up to $6,000 in combined purchases each year. Once you reach the cap and on all other purchases, you earn 1x points.
  • Round up points. A rewards rate of 2x and 1x points may not seem like its worth earning a spot as one of the best rewards credit cards. But with the rounding up feature, your rewards rate is actually higher. Say you buy a $2 coffee. Your rewards points will round up at 10x points, thus earning a 5% reward.
  • Bonus points. The card comes with 15,000 bonus points once you spend $1,000 in your first 3 months when you open your credit card account. Also, you get additional 10% bonus points for the first 100,000 points you redeem annually.
  • Foreign transaction fees. Using the card abroad or online with foreign merchants will cost 3% of the amount.
  • Balance transfer limitations. You'll need to complete your balance transfer within 4 months of account opening to take advantage of the offer.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 13.49% to 23.49% variable)
Balance transfer APR 0% intro for the first 15 months (then 13.49% to 23.49% variable)
Welcome offer Earn 15,000 points after spending $1,000 in the first 3 months
Rewards Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

Best hotel credit card
IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)
See offer
on Creditcards.com's secure site
Rates & fees

670
Min. credit score
$89
Annual fee
Up to 25x
Points
125,000
Points welcome offer
The IHG® Rewards Club Premier Credit Card beats competitor cards with its high rewards rate, signup bonus and rewards nights. With $18,000 annual spending and maxing out rewards nights, you can get more than 20 rewards nights each year. And if you clear the signup bonus, you can get roughly 30 rewards nights or more within your first year.
This makes the IHG® Rewards Club Premier Credit Card the most rewarding hotel credit card out there.
  • Signup bonus. Earn 125,000 bonus points once you spend $3,000 in your first 3 months of account opening. This is worth about $875 in value.
  • Earn points. Earn 25x points on IHG stays, 2x points at gas stations, grocery stores and restaurants and 1x points on everything else you buy.
  • Fourth reward night free. Redeem your points for four or more reward nights and get an additional reward night.
  • Annual fee. To use the card and its perks, you'll pay $89 each year.
  • No intro APR period. You won't find an intro period on purchases or balance transfers on this card.
  • Signup bonus restrictions. You can only earn this card's signup bonus if you haven't owned this card and earned the signup bonus within the last two years.
Annual Fee $89
Purchase APR 15.99% to 22.99% variable
Balance transfer APR 15.99% to 22.99% variable
Welcome offer Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first 3 months of account opening
Rewards Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases

Best for dining and entertainment
Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 8%
Cash back
$300
Welcome offer
It's rare to find a card like the Capital One® Savor® Cash Rewards Credit Card where you earn 4% cash back on dining and entertainment purchases. What's more, it's the only such card with an 8% cash back on Vivid Seats ticket purchases.

If you want a card that rewards you for enjoying yourself, the Capital One® Savor® Cash Rewards Credit Card is definitely one of the best out there.

  • Cash back. Earn 4% back on dining and entertainment, and 2% back at grocery stores. Purchases made on sporting tickets at Vivid Seats earn 8% cash back until May 2020. All other purchases earn 1% cash back.
  • Signup bonus. Earn $300 bonus cash once you spend $3,000 in your first 3 months when you opened your account.
  • High minimum credit line. Your credit line depends on multiple factors, but with this card you won't get a lower credit line than $5,000.
  • Annual fee. For the first year, you won't pay an annual fee. But starting from the second year, expect to pay $95 annually to own the card.
  • Potentially high APR. The top-end interest rate for purchases and balance transfers can reach 24%, which is higher than the average of 18%.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 15.99% or 24.99% variable
Balance transfer APR 15.99% or 24.99% variable
Welcome offer $300 after spending $3,000 in the first 3 months
Rewards 8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Best for poor credit
Discover it® Secured

Discover it® Secured logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (300-669)
Read review
300
Min. credit score
$0
Annual fee
Up to 2%
Cash back
Other
Welcome offer
The Discover it® Secured card is an excellent choice because not only do you get to build credit, but you also get to earn cash back without paying an annual fee. What's more, Discover will match the entire cash back you earn during your first year without limits. No other secured card does that.

The card has no annual fee, which can help you keep costs down as you rebuild your credit.

  • Build credit. Discover reports to all three major credit bureaus, Experian, Equifax and TransUnion. With responsible card use, you can build your credit in no time.
  • Cash back. Earn 2% cash back at gas stations and restaurants on the first $1,000 in combined purchases each quarter. After reaching the cap and on all other purchases you earn 1% cash back.
  • Cashback match. At the end of your first year, Discover will match the entire cash back you earned without limits.
  • Security deposit. To use the card, you must make a $200 secured deposit that will act as your credit limit.
Annual Fee $0
Purchase APR 22.99% variable
Balance transfer APR 10.99% intro for the first 6 months (then 22.99% variable)
Welcome offer Discover will match cash back earned at the end of your first card year
Rewards 2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases

What’s changed in 2021

There was a surge of new reward opportunities this year, many spurred on by changing consumer spending habits due to the pandemic. Big winners here include both Chase Freedom cards, which earned additional flat-rate categories, greatly increasing their value.

Back to top

Compare all rewards credit cards

See more credit cards that can help you earn rewards on a variety of categories.

How to choose the best rewards card

In addition to the card’s rewards program, here are a few big items to review when comparing rewards cards:

  • Signup bonus. Many rewards cards offer bonus points to new customers to help you kick start your rewards cache. Depending on the card, you can earn a signup bonus worth anywhere between $100 and $4,000.
  • Transfer opportunities. Big name rewards cards allow you to transfer your points to partner airline and hotel rewards programs. This flexibility is highly valuable when used correctly.
  • Perks. Rewards cards can come with a terrific selection of additional benefits such as lounge access, statement credits, purchase protection and more. These can prove valuable provided they suit your needs.
  • Annual fee. Many cards offer decent rewards for no annual fee. Expect to pay a bit more, however, if you’re looking to get the highest rewards rate, the most generous welcome offer or a host of premium perks.
  • Intro APR. Save money on interest when you use this card for large purchases, but make sure you can pay it off within the 0% intro period. Or, choose to transfer debt to a 0% transfer card to save on interest while paying off your debt.

How do rewards credit cards work?

With a rewards credit card, you get a percentage back of what you spend, typically in the form of cash back, points or miles. You can redeem this earned currency through your card provider’s rewards portal. These points and miles represent a certain value in cash which can range depending on the rewards program.

For cashback cards, rewards are usually expressed as a percentage. If a card offers 2% cash back on all purchases, for example, you’ll receive $2 back for every $100 you spend.

For other cards, rewards are usually expressed as a point or mile multiple. A card might offer 2x points on all purchases, for example, which means you’ll receive 2 points for every dollar you spend.

1. Compare and apply for a card

Find a card that best suits your credit score, finances, spending and rewards preferences.

2. Earn rewards

Purchases you make with your rewards card are automatically posted as points or cashback to your account. Depending on the type of rewards card, you might earn more rewards for spending in a certain category.

3. Redeem rewards

Earn enough points and you can redeem them on products, gift cards and more. Depending on your card, you might be able to simply redeem your points as a statement credit.

Pros and cons of using a rewards credit card

Pros

  • Rewards. Choose a card that fits your lifestyle and earn rewards on purchases you would have made anyway.
  • Redeeming rewards. Redemption options vary from card to card. You could earn cash back, travel benefits, merchandise, gift cards and more.
  • Global acceptance. Most rewards cards are affiliated with Visa or Mastercard, accepted in over 200 countries and territories worldwide. While American Express and Discover credit cards aren’t as widely accepted internationally, they’re accepted in many locations around the world.
  • Extra perks. Many rewards cards offer extra perks, such as complimentary travel and rental car insurance. Compare your options to see which features work best with your lifestyle and spending habits.

Cons

  • Cost. You may have to pay an ongoing annual fee, or your card may have a higher APR than your basic, no-frills product.
  • Limitations. Your card provider might not let you earn more than a certain number of points in a calendar year, and your points may expire after a set time.
  • Temptation to spend. Rewards are always enticing. But if you aren’t careful, you could find yourself in snowballing debt. If you consistently carry a balance on your card, the interest could offset any rewards you earn.

When is a rewards credit card worth it?

Even the simplest of rewards credit cards can offer value if you use it properly. To make a rewards card worthwhile, consider where you spend the most and get a card that offers more points in those areas.

A rewards card’s annual fee is the primary concern when you’re evaluating whether the card is worth it. Some of the more luxurious rewards cards come with steep annual fees, so you’ll need to use enough perks and earn enough rewards to overcome that.

Case study: Is the Chase Sapphire Reserve® worth it?

The Chase Sapphire Reserve® sports an annual fee of $550. To make this card worth it, you’d have to take advantage of enough of the card’s perks and features to outweigh this $550 fee in value. Here are a few ways to create that value.

PerksValue
Annual travel statement credit$300
Two Priority Pass stays$160
TSA PreCheck and Global Entry credit (every 4 years)$100
One year of Lyft Pink membership (one time)$240
Total$800

Here you can see you can get $800 of value out of the card perks in one year before you even factor in the rewards you can earn with the card on your everyday spending. This outweighs the cost of the annual fee, so the rewards card is worth it if you take advantage of the perks.

You asked, we listened: Top five common questions

With so many airline credit cards to choose from, it’s only natural to have some questions. Here are the 5 most common questions we receive on the subject.

  1. How much are credit card rewards points worth? The most common value of a rewards point is 1 cent per 1 point. However, this can vary greatly depending on the specific loyalty program and how you redeem your points.
  2. Can I redeem my rewards points for cash back? In many cases, yes. Many rewards cards offer cash back statements as a redemption option for points.
  3. What types of rewards cards are there? There are three kinds of rewards cards: cards that earn cashback, miles or points. Cashback cards are typically the easiest type of card to use, but cards that earn miles or points give you the opportunity to redeem for higher value.
  4. Which type of rewards card should I get? This depends on how you use your card, and we have a full guide on how to pick a rewards card type. In general, pick a card that rewards you for your regular everyday spending.
  5. How many rewards cards should I have? Many consumers find it useful to have a few rewards cards, usually one with strong earnings for each type of major purchase category. By pairing up rewards cards, you can create a strong earning strategy that boosts your rewards even further.

Bottom line

The best rewards card depends on your finances and the rewards you’re looking for. If none of our top picks are the right fit for you, compare more cards to find one that is.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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