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Compare credit cards
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.
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440
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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:
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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.
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“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.
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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.
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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.
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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.
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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.
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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.
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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.
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.
Which credit card is best for me?
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 |
Hilton Honors American Express Surpass® Card | This card gives me priority pass lounge access without a crazy high annual fee! | 2019 |
 Amy Bonnett |
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 |
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 |
JetBlue Card | This card has no annual fee and lets me earn airline points on everyday purchases. It makes flying easy! | 2017 |
 Steven Dashiell |
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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Ask an Expert
Can you help me find my account number?
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
How do I find status of my application?
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
As a pensioner can i apply for a loan?
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