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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 May 23rd, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
2x points on travel and dining. 1x points on all other purchases
18.24% to 25.24% variable
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
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
$0
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 flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
18.24% to 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
17.24% to 25.99% variable
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn unlimited 1.5% cash back on your purchases
15.24% to 26.24% variable
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
2x points on gas, groceries and airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
16.24% to 26.24% variable
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
2x miles on all purchases
18.24%, 22.24% or 25.24% variable
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
15.24% to 26.24% variable
$0
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
N/A
14.24%, 20.24% or 25.24% variable
$0
An 15 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
15.99% to 25.99% variable
$59
20,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
15.99% to 25.99% variable
$149
40,000 bonus LifeMiles after first card use
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
1x points on all purchases with 2% point value when you redeem for airfare or cash back
17.24% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Earn 1x rewards points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
15.15% to 25.15% variable
$0
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.
24.9% variable
$0
A no-annual-fee credit card and discounts when you shop at Target.
1% cash back to your choice of nonprofits, K-12 schools, colleges and religious organizations
16.24% to 22.24% variable
$0
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
20.24% to 26.24% variable
$0 to $99
Seeing if you pre-qualify is fast, easy and secure.
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.
20.24% to 26.24% variable
$0 to $99
Seeing if you pre-qualify is fast, easy and secure.
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
17.74% variable
$0
Credit card for professionals relocating to America without a US credit history.
9.99% fixed
$48
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
19.64% variable
$35
A secured Visa® credit card that helps you build your credit quickly.
9.99% fixed
$49
Fast, easy application process with no processing or application fees.
9.99% fixed
$49
Low fixed interest rates with no penalty rate.
13.99% fixed
$39
Open a personal savings deposit account to secure a credit line from $200 to $5,000.
13.99% fixed
$39
Designed for those with little or poor credit, the Green Dot primor® Mastercard® Classic Secured Credit Card has no minimum credit score requirements and no processing or application fees to worry about.
17.99% fixed
$39
Borrow up to $10,000 and get your credit score back on track.
See terms
See terms
The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
N/A
14.74% variable
$39
No minimum credit score and no credit history required.
N/A
20.74% variable
$29
Build your credit with all three major credit bureaus.
N/A
10.74% variable
$49
Build or rebuild your credit with this secured card.
26.74% variable
$0
No credit history or minimum credit score required for approval.
24.9% fixed
$35 to $99
All the benefits of Mastercard Gold for those with less than perfect credit.
$299
Get a $500 credit limit to make purchases on the Horizon Outlet website.
$299
Build your credit history with an unsecured line of credit.
See terms
Shop the items you need at myuniqueoutlet.com with up to a $1,000 credit.
$239.40
An easy-to-qualify-for card for use at My Unique Outlet.
See issuer's website
See terms
Build your credit history with low monthly payments.
See issuer's website
$0
The Fingerhut Credit Account is store-specific and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart's catalog.
See issuer's website
See terms
Get access to purchase items in the Fingerhut store with no overlimit fees.
25.24% variable
$0
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
1% cash back on all purchases
20.99% variable
$0
Designed for college students to build credit history and earn rewards.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
2x points on purchases through Amex Travel and 1x points on all other purchases
None (Charge Card)
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
N/A
34.99% fixed
$75
Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus.
N/A
None (Charge Card)
$0
60-day interest-free financing for e-commerce businesses.

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

Purpose

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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