Credit cards |

Our recommended credit cards

Whether you’re looking to earn rewards or build your credit, choosing a credit card can be exciting. But it’s a personal decision.

Use our comparison table to find a card that meets your personal and financial goals. Start by choosing your credit score to see the cards you’re more likely to be approved for. Then use the table to sort by credit card features and issuers, narrowing down the right card for your needs.

Updated July 15th, 2019
Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on Rates & fees
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
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 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees

Compare up to 4 providers

Compare credit card types

Explore the types of cards available to find one that matches your lifestyle and spending habits.

Types of credit cards


Balance transfer cardsSave on interest by transferring debt to a card with a lower APR.
Rewards credit cardsEarn cash back, points or miles on all your purchases.
Travel credit cardsA travel card with no foreign transaction fee and travel-based incentives.
0% APR and low-interest credit cardsSave money on interest when transferring balances or making a big purchase.
Business credit cardsBuild business credit and fund business spending.
Secured credit cardsBuild or rebuild your credit.
Credit cards with no annual feeDon’t pay to earn rewards or credit card perks.

7 credit card application tips

Applying for a luxury credit card doesn’t have to be complicated. Consider your personal and financial circumstances against what you’re hoping to get out of your next credit card.

  1. Assess your needs. Before you begin your search, think about what you want, need and can afford with your future card.
  2. Compare your options. Once you’ve decided on the type of card you want, it’s time to weigh your options.
  3. Make sure you’re eligible. Know what’s required for approval. For instance, do you need to meet a minimum income or age limit?
  4. Know your credit score. Request a free copy of your credit history before applying. Look it over for possible errors, and see exactly what banks see when assessing your application.
  5. Lower your credit utilization ratio. If you carry balances on other credit cards, try to pay them down before submitting a new application.
  6. Resist applying for multiple cards within a short time. You may be tempted to apply for a second card, just in case your first one isn’t approved. But each inquiry a provider makes into your credit history leaves a new mark on your credit report for up to five years.
  7. Be practical. It doesn’t make sense to apply for a card you can’t qualify for. Find one that matches your credit rating, and don’t chase rewards cards if you can’t meet the spending requirements.

Complete list of credit card application tips

How credit cards work

A credit card is a revolving line of credit, allowing you to borrow money to make purchases without cash up front. Credit card companies assign credit limits based on your credit history and what they believe you can repay each month. That limit is the maximum amount of money you can borrow with the card.

Unlike a debit card that uses your own money to make purchases, when you use a credit card, the issuer pays the retailer. At the end of your billing cycle, you receive a statement that includes 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.

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