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Compare over 400 credit cards to find the right fit for you.

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Our experts help you compare hundreds of credit cards by type, features, costs and providers. From low interest options to those that focus on rewards, learn which card is right for you.

Our pick for a credit card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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Click on the tabs below to compare credit cards with the feature you care most about.

Name Product Filter values Rewards Purchase APR Annual fee
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 14.99% to 24.99% variable)
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Capital One® VentureOne® Rewards Credit Card
1.25x miles on all purchases and 10x miles at hotels.com/venture
0% intro for the first 12 months (then 13.49%, 19.49% or 23.49% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Citi Simplicity® Card
N/A
0% intro for the first 12 months (then 16.24% to 26.24% variable)
$0
Enjoy one of the longest intro APRs on balance transfers, no late fees, no penalty rate and no annual fee.

Compare up to 4 providers

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi Simplicity® Card
0% intro for the first 21 months (then 16.24% to 26.24% variable)
$5 or 5% of the transaction, whichever is greater
670
Enjoy one of the longest intro APRs on balance transfers, no late fees, no penalty rate and no annual fee.
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Citi Rewards+℠ Card
0% intro for the first 15 months (then 14.99% to 24.99% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn rewards and enjoy a long intro APR period on purchases and balance transfers.
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
3%
670
Earn unlimited 1.5% cash back on every purchase, every day.
Chase Freedom Unlimited®
0% intro for the first 15 months (then 16.49% to 25.24% variable)
$5 or 5% of the transaction, whichever is greater
670
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Quicksilver® Cash Rewards Credit Card
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
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
$95
6% cash back at US supermarkets. Rates & fees
American Express Cash Magnet® Card
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Unlimited 1.5% cash back. Rates & fees

Compare up to 4 providers

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
23.99% variable
$0
580
A no annual fee secured card for people who are new to credit or have limited credit history with a fair to average credit score.
OpenSky® Secured Visa® Credit Card
Starting at $200
18.89% variable
$35
300
A secured Visa® credit card that helps you build your credit quickly.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
$48
300
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
300
Can't decide on a card? Get personalized credit card offers with CardMatch™.
First Progress Platinum Elite MasterCard® Secured Credit Card
Starting at $200
19.99% variable
$29
300
Build your credit with all three major credit bureaus.

Compare up to 4 providers

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Target REDcard™ Credit Card
$0
24.65% variable
580
A no-annual-fee credit card and discounts when you shop at Target.
WebBank/Fingerhut Advantage Credit Account
$0
29.99% fixed
300
Build your credit history with low monthly payments.
Fingerhut FreshStart® Credit Account
$0
29.99% fixed
300
Get access to purchase items in the Fingerhut store with no overlimit fees.
Montgomery Ward credit
$0
5.75% to 25.99% fixed
300
Buy now, pay later — low monthly payments make shopping easier
Seventh Avenue Credit
$0
5.75% to 23.99% fixed
300
Buy now, pay later with payments as low as $20 a month.

Compare up to 4 providers

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Credit cards reviewed

3000

Hours of research

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Full-time credit card experts

Based on extensive research and comparison analysis, we present readers with the best credit card options on the market. Our aim is to make finding the right credit card simple and painless.

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How credit cards work

A credit card is a revolving line of credit, allowing you to borrow money to make purchases without having to put up collateral (upfront cash). Based on your perceived ability to make repayments, credit card companies assign a credit limit, which is the maximum amount of money you can borrow.

Unlike a debit card that uses your own money to make purchases, when you use a credit card, it is the lender who pays the retailer. At the end of your billing cycle, you receive a statement and that tells you the total amount you owe the lender for that period. Credit card companies make money on fees and the interest that accrues on your revolving credit. Check our our full guide for more information on how credit cards work.

8 types of credit cards

There are many types of credit cards designed for different types of users. Credit card companies target these specific individuals by offering tailored rewards, sign-up bonuses and travel perks to entice users to spend with them.
These are the eight categories credit cards are broken down into:

  1. 0% APR and low interest cards

    0% APR or low interest credit cards come with little or no interest on purchases during promotional periods that can run as long as 21 months. That equals big savings on interest if you’re the type of person who carries a balance from month to month.

  2. “Bad credit” cards

    Credit cards made for users with bad credit are typically either secured credit cards or prepaid credit cards. Both types of cards require cash upfront in order to load funds for spending. People with bad credit scores usually find it difficult being approved for other cards, so they have to rely on “bad credit” credit cards.

  3. Balance transfer cards

    These credit cards offer people the opportunity to transfer a balance from a credit card with a high interest rate to one with a lower interest rate. Balance transfer credit cards can help users save a good amount of money that they would’ve paid on interest.

  4. Business cards

    Designed for business use, a business credit card comes with perks and rewards that are specific to small businesses needs. Using a business credit card is an effective way to keep your personal and business expenses separate.

  5. Cash back

    A cash back credit card rewards your spending with cold hard cash. The amount of cash back you earn is set at a percentage rate. There will either be a cap on on how much you can earn or be unlimited. Cash back can be redeemed as a statement credit towards your balance, in a credit card shopping portal, as a gift card or in a deposit to your bank account.

  6. Rewards cards

    These cards let you earn points for your purchases. Sometimes all of your spending is rewarded, other times you’ll have to spend in a bonus category to earn rewards. Because there are different reward structures, you have flexibility with how you redeem your points.

  7. Secured cards

    A secured credit card works just like a regular credit card, but you’re required to put down a security deposit that acts as your line of credit. Typically these cards are used by people trying to build their credit or repair their credit.

  8. Travel cards

    Made for the traveler, a travel credit card lets you earn miles on your purchases, and they often come with greater rewards for your travel-related purchases. You can cover your airfare, book hotels and much more with your miles. You’ll find that some hotels or airlines brand these cards and allow you to maximize your rewards when you spend directly with them.

The best credit cards of 2020

Comparing credit card features

Balance transfers

Consolidate an existing debt at a lower APR with a balance transfer card. For more information, check out our full balance transfer guide.

  • Manage your debt. The longer the low or 0% balance transfer APR lasts, the more you’ll save.
  • Beware of the revert rate. When the introductory low or 0% APR ends, you could find yourself confronted with a much higher interest rate.

Rewards

Rewards can be a worthwhile way to get something back from your spending. Whether you’re a frequent flyer, loyal customer or big grocery spender, you can find a rewards credit card to suit almost any lifestyle.

  • The major draw of this type of card is earning points that can be redeemed for rewards. Depending on the card you use and the promotions in place, you may be able to earn bonus points when making certain types of purchases or shopping with a particular retailer.
  • What you can redeem your points for will vary from card to card. Some allow you to redeem points for flight rewards as well as shopping or travel vouchers. Others can be used for cash back, to redeem merchandise or even to donate to charity.

0% APR

If you’re looking for a card that can lead to significant savings on interest, a 0% APR credit card could be the right choice for you.

  • 0% APR credit cards allow cardholders to take their time when paying off larger purchases or consolidating existing debt.
  • If the 0% APR is only in place for an introductory period, the revert rate could be significantly higher. These cards often require applicants to have a good credit history as well.

Low interest

A low interest credit card allows cardholders to repay their debts at a lower APR than your standard card. Depending on the card, the length of the low interest period may vary from an introductory period to the life of the card.

    • If you struggle to repay your balance each month, low interest cards can help you reduce the costs of your card.
    • The advantage of low interest usually comes at the cost of forfeiting the extra features that a premium or platinum card may offer, such as a rewards program, complimentary rental car insurance or other extra perks.

No annual fee

A no-annual-fee card doesn’t charge a yearly fee. Some cards have this as an ongoing deal. Others will waive the standard fee over the first year.

      • Not having to pay an annual fee can result in savings each year.
      • If the annual fee is only in place for a promotional period, there may be a high annual fee when it reverts to the standard rate.

That really depends on what you’re planning to use your credit card for. There’s no such thing as a single best credit card because each person’s situation can be completely different.

Here are a few examples of common situations that can help guide you towards the right credit card. For a full run down of how to choose, check out our full selection guide.

How you plan to use your credit card…

Type of credit card to apply for…

Refinance or consolidate other credit card debt A credit card that has 0% APR on balance transfers.
Get rewards on all purchases A credit card that has cash back or rewards for every purchase.
Build your credit A credit card that reports activity to all three bureaus and offers free credit scores.
For business expenses A business card the has rewards in line with your business spending.
Traveling in foreign countries A travel card with no foreign transaction fee and travel based incentives.
Carry a balance from month to month A credit card with 0% or low interest.
Reduce chances of being denied A secured credit card.
To pay for a medical procedure A medical credit card.
Not often A card with no annual fee with terms that are suitable for you.

What are the costs of a credit card?

        • Repayments. You’re free to repay as much as you like as often as you like. You’re required to make the minimum repayment when your statement is issued. The minimum repayment is usually 2% of your outstanding balance. You will pay a late payment fee if you don’t make the minimum repayment by the statement due date.
        • Annual fee. This is the cost to own a credit card. The annual fee ranges from $0 to hundreds of dollars depending on the credit card type. The credit card annual fee is deducted from your available credit and accrues interest at the purchase rate if it isn’t paid in the first statement period.
        • Annual fee. This is the cost to own a credit card. The annual fee ranges from $0 to hundreds of dollars depending on the credit card type. The credit card annual fee is deducted from your available credit and accrues interest at the purchase rate if it isn’t paid in the first statement period.
        • Interest rates. Interest is the price you pay to borrow money. Credit card interest rates are much higher than other types of finance because credit cards are an unsecured product. Financial institutions have no recourse to take your assets if you default on your repayments.
        • Other fees. Other fees you may run into include late payment fees, overlimit fees (a fee for spending past your credit limit), rewards program membership fees and cash advance fees.

Finder credit card staff picks

My favorite card Why I love this card Cardmember since
Megan Horner

Megan Horner
Credit Cards Publisher

Hilton Honors American Express Surpass® Card This card gives me priority pass lounge access without a crazy high annual fee! 2019
Amy Bonnett

Amy Bonnett
Compliance Coordinator

Capital One® VentureOne® Rewards Credit Card Unlimited 1.25x miles on all purchases and no annual fee make this an easy travel card to keep in my wallet. I also never have to worry about foreign transaction fees when I use it while traveling abroad. 2016
Kevin Chen

Kevin Chen
Credit Cards Writer

Chase Freedom Unlimited® I got this card because I was a longtime Chase customer, and it’s my favorite precisely because it’s so simple. The 1.5% flat-rate cash back gives me solid rewards on all purchases. And because I have the Chase Sapphire Preferred® Card as well, I can get a higher value from my rewards by transferring them to airlines. 2017
Sarah Barness

Sarah Barness
Credit Cards Editor

JetBlue Card This card has no annual fee and lets me earn airline points on everyday purchases. It makes flying easy! 2017
Steven Dashiell

Steven Dashiell
Credit Cards Writer

Chase Sapphire Reserve® This card is incredibly feature rich and the annual fee paid for itself through travel credits within just a few months. Love the 3x points earning rate on travel and dining – not to mention Priority Pass discounts on airport meals. 2019

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Learn about credit cards

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      • Common credit card features

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6 Responses

  1. Default Gravatar
    KellieJuly 3, 2019

    Can you help me find my account number?

    • Avatarfinder Customer Care
      nikkiangcoJuly 3, 2019Staff

      Hi Kellie,

      Thanks for getting in touch! Kindly note that we are unable to find your account number for you. You would need to contact your bank to retrieve your account number.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.

      Best,
      Nikki

  2. Default Gravatar
    CheckingMarch 11, 2019

    How do I find status of my application?

    • Avatarfinder Customer Care
      nikkiangcoMarch 11, 2019Staff

      Hi there,

      Thanks for getting in touch! To check the status of your credit card application, go to the website of the card provider and read through their application process. If there is no information stated, your next step is to give them a call. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  3. Default Gravatar
    LenaOctober 2, 2017

    As a pensioner can i apply for a loan?

    • Avatarfinder Customer Care
      JudithOctober 3, 2017Staff

      Hi Lena,

      Thanks for contacting finder, a comparison website and general information service.

      Yes, you may apply for a loan. To find out more about about loans for people on pension, you can access this page.

      Here are the loan options that you can consider. On the table, you can also click a provider’s name to read reviews of some of the brands that may consider your application.

      I hope this helps.

      Regards,
      Judith

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