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The best credit cards of 2020

Our top picks for cash back, travel perks, balance transfers, students and more.

Updated . What changed?

Fact checked
Family on vacation

A credit card can be an exciting milestone. A good one can help build or rebuild your credit, earn top rewards or fill gaps when paired with a card already in your wallet. But where to start?

We’ve got you covered with a breakdown of 2020‘s best credit cards. These cards set the benchmark in 10 categories that include cash back, travel and business.

Balance-scale-transfer-credit-card-icon

Best credit cards for balance transfers

Credit card debt can pile up quickly, often with overwhelmingly high interest rates. To get a break from high interest and get ahead of your debt, consider a balance transfer credit card. These cards can let you transfer an existing balance to a card with a long 0% intro APR, offering plenty of time to catch up. A good balance transfer credit card can even offer low or no fees for transferring your balance and a great ongoing rate after your promotional rate ends. Here are a few of our favorites.

Best card for a long intro balance transfer APR

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card logo
Finder Rating: 4.8 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
20 months
0% intro transfer APR
n/a
Rewards
With Citi reducing the periods on their balance transfer cards, the U.S. Bank Visa® Platinum Card now sports the longest intro balance transfer APRs on the market.
  • Intro APR period on balance transfers. For transfers made within the first 60 days of your account opening, get a 0% intro APR period for 20 months. After that, your rate will be from 13.99% to 23.99% variable.
  • Intro APR period on purchases. You also get a 0% intro APR period on all purchases made within the first 20 months of card membership. A variable APR of 13.99% to 23.99% applies thereafter.
  • No penalty APR. You won't accrue a penalty APR for missing payments with this card.
  • Foreign transaction fee. Using this card abroad or online with foreign merchants will accrue a 3% foreign transaction fee.
Annual fee $0
Purchase APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer fee $5 or 3% of the transaction, whichever is greater
Rewards N/A

Best for rewards on gas and groceries

PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
12 months
0% intro transfer APR
Up to 5x
Points
The PenFed Platinum Rewards Visa Signature® Card can be an ideal credit card choice if you're looking to earn rewards on everyday purchases without paying an annual fee.
  • Intro APR period on balance transfers. Request your balance transfers within of card membership to get a 0% intro APR period for 12 months following your account opening. After that, your rate reverts to 13.49% to 17.99% variable.
  • Earn cash back. Earn 5% cash back on US gas stations. You also get to earn 5% cash back at US groceries, and 1% cash back on everything else you buy.
  • Welcome offer. Get $100 bonus after you spend $1,500 on purchases in the first 90 days following your account opening.
  • Balance transfer limits. Make your balance transfers within a rolling deadline based on when you open your account to use the 0% intro APR period.
Annual fee $0
Purchase APR 13.49% to 17.99% variable
Balance transfer APR 0% intro for the first 12 months (then 17.99% variable)
Balance transfer fee 3%
Rewards 5x points on gas at the pump, 3x points on groceries and 1x points on all other purchases

Best for poor credit

UNITY Visa® Secured Credit Card

UNITY Visa® Secured Credit Card logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (300-669)
Read review
300
Min. credit score
$39
Annual fee
6 months
9.95% intro transfer APR
n/a
Rewards
This card offers a rare opportunity for balance transfers while also acting as a secured credit card.
  • Intro APR period. Get a 9.95% intro APR period on balance transfers for the first 6 months of card membership. Once the intro period passes, you'll get a fixed APR of 17.99%.
  • Build credit. The card reports to all three credit bureaus — TransUnion, Experian and Equifax. Use this card responsibly and you'll see your credit score improve after a while.
  • No minimum score to apply. Apply with a poor credit score of 300 or with no credit history.
  • Annual fee. You'll have to pay $39 to own the card. Compared to similar credit cards, this isn't so bad.
Annual fee $39
Purchase APR 17.99% fixed
Balance transfer APR 9.95% intro for the first 6 months (then 17.99% fixed)
Balance transfer fee $10 or 3% of the transaction, whichever is greater
Rewards N/A

How we selected our top cards

When choosing this year’s top balance transfer cards, we compared a number of factors among eligible cards, including intro period length, the revert APR, welcome offers and any additional rewards or perks offered. We highlighted cards that stood out in one or more of these categories.

What’s changed in 2020

The U.S. Bank Visa® Platinum Card joined our list this year thanks to its top-of-the-line balance transfer period. Finally, the Blue Cash Everyday® Card from American Express lost its intro balance transfer offer, leading the PenFed Platinum Rewards Visa Signature® Card to step up and take its place.

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Best rewards credit cards

Rewards are a staple perk with many credit cards. Airline miles, hotel points and cash back are just a few of the opportunities you can find with rewards credit cards. Here are some of our top rewards credit card picks for this year.

Best for reward rounding

Citi Rewards+℠ Card

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

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
Up to 2x
Points
15,000
Points welcome offer
The Citi Rewards+℠ Card rounds up your rewards to the nearest 10 points on every purchase. This makes it a good choice if you frequently make small purchases under $10, as your rewards can stack up faster than you think.
  • Reward 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 reward 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.
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 if you're new to credit

Petal® Visa® Credit Card

Petal® Visa® Credit Card logo
Finder Rating: 2.9 / 5

★★★★★

Credit recommended (600-850)
Apply now
on WebBank's secure site
Rates & fees

600
Min. credit score
$0
Annual fee
Up to 10%
Cash back
n/a
Welcome offer
The consumer-friendly Petal® Visa® Credit Card doesn't require a credit score, and it charges no fees. You'll also earn 1% cash back on all purchases that can increase to as high as 1.5% after you make 12 on-time monthly payments.
  • No credit history required. To be approved for most rewards credit cards, you need a good or excellent credit score. Petal, on the other hand, analyzes your income and financial records, including your checking accounts and bill payments to determine your eligibility.
  • Cash back. Earn 1% cash back on all eligible purchases. Make six on-time monthly payments and your rewards rate goes up to 1.25%. After 12 on-time monthly payments, your cash back rate will increase again to 1.5%. As of December 2019, Petal awards you with up to 10% cash back at select merchants.
  • No fees. You won't pay an annual fee for the card, no foreign transaction fees when using the card abroad or overlimit and late payment fees.
  • No signup bonus. Most similar cards come with a signup bonus in one form or another. Unfortunately, you won't get anything extra with the Petal® Visa® Credit Card.
Annual Fee $0
Purchase APR 12.99% to 29.49% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments

Best for families

Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card logo
Finder Rating: 4.1 / 5

★★★★★

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

670
Min. credit score
$95
Annual fee
Up to 3x
Points
15,000
Points welcome offer
The Amex EveryDay® Preferred Credit Card offers accelerated rewards in two of the most common spend categories for families: supermarkets and gas stations. With a potential monthly points boost and excellent rates for select Membership Reward point transfers, you can quickly increase the value of your rewards.
  • Earn cash back. Earn 3x points at US supermarkets on up to $6,000 in purchases each year, reverting to 1x points thereafter. You'll also earn 2x points at US gas stations, 2x points when you book through American Express Travel and 1x points on other eligible purchases. Amex will boost your points by 50% in a given billing cycle after using your card for purchases 30 times in that period.
  • Welcome offer. Earn 15,000 points after spending $1,000 in the first 3 months.
  • Intro APR on purchases. Enjoy a 0% intro APR on purchases for the first 12 months after opening your account. The rate reverts to an APR from 12.99% to 22.99% variable after that.
  • Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost 2.7% of the amount.
Annual Fee $95
Purchase APR 0% intro for the first 12 months (then 12.99% to 22.99% variable)
Balance transfer APR N/A
Welcome offer 15,000 points after spending $1,000 in the first 3 months
Rewards 3x points at US supermarkets on up to $6,000 annually (then 1x), 2x points at US gas stations and 1x points on all other purchases
Please note: All information about Amex EveryDay® Preferred Credit Card has been collected independently by Finder and this card is not available through this site.

How we selected our top cards

When choosing this year’s top rewards cards, we looked at a number of factors, including rewards gained per dollar spent, available rewards categories, welcome offers, intro APR periods and other card perks or benefits. We highlighted those that stood out above the others in a particular category.

What’s changed in 2020

Winners in this category have been consistently strong. The Chase Sapphire Preferred® Card has even improved, with its new Lyft rewards and DashPass subscription.

This year, the Chase Sapphire Preferred® Card took a spot because of its massive signup bonus. Also, the Citi Rewards+℠ Card didn’t go unnoticed; This one may seem like it offers a stingy rewards rate, but if you often make small purchases, the round-up feature can make them even more rewarding.

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best cashback credit cards 2019

Best credit cards for cash back

If you’re looking to save money on all of your credit card purchases, a cashback card can be a great choice. You can earn even more cash back in select categories and the straightforward nature of these credit cards make them simple to use. Plus, you’ll find the best cards for everyday spending come with a variety of consumer-friendly perks.

Best for unlimited 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
The Chase Freedom Unlimited® received several accelerated earning categories on top of its flat-rate earnings, boosting immensely boosting its value. Now it has overtaken the Citi Double Cash as the current industry standard for flat rate cashback 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.
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, plus 5% cash back at grocery stores on up to $12,000 in the first year
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 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
Pick this card for a solid rewards rate on dining and a generous signup bonus.
  • 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.
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 groceries

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
Annual fee
Up to 6%
Cash back
$250
Welcome offer
The Blue Cash Preferred® Card from American Express offers one of the best rates available for groceries and is a great pick for families.
  • Earn cash back. Earn 6% cash back 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 $250 in statement credit after spending $1,000 on purchases in the first three 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. You'll pay $95 annually to enjoy the card and its perks.
Annual Fee $95
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $250 after spending $1,000 in the first 3 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

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℠ credit card offers excellent rotating cash back in useful categories. You'll also find a good signup bonus for a no-annual-fee card, as well as an intro APR on purchases.
  • Cash back. Earn 5% cash back in select rotating categories on up to $1,500 each quarter you activate, then 1%. You'll also earn 5% back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1% back on all other purchases.
  • Signup bonus. Earn $200 cash back after you make $500 in purchases within the first 3 months of account opening. You'll also get 5% cash back at grocery stores on up to $12,000 for your first year following account opening
  • Intro APR. Get a 0% intro APR on purchases for the first 15 months from account opening, then 14.99% to 23.74% variable.
  • You'll need to keep track of rotating categories. You won't get the 5% cashback rate on the same categories each quarter. Also, you'll need to activate your cashback categories, or you won't receive the bonus rate.
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, plus 5% cash back at grocery stores on up to $12,000 in the first year
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

How we selected our top cards

When choosing this year’s top cashback cards, we looked at several factors, including cashback gained per dollar spent, available cashback categories, welcome offers, intro APR periods and other card perks or benefits. We highlighted those that stood out above the others in a particular category.

What’s changed in 2020

We replaced the U.S. Bank Cash+™ Visa Signature® Card with the Chase Freedom Flex℠ credit card. Both offer a great rotating-cashback rate, but we believe the latter offers bonus cash back in more accessible categories.

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best travel credit cards 2017

Best travel credit cards

A travel card is your best friend when you’re on vacation. You’ll find hotel credit cards and airline credit cards, as well as cards suited to general travel.

These cards let you earn airline and hotel points on your purchases as well as perks you can use during your flights and stays. Here are some of our favorite travel cards featuring no foreign transaction fees.

Best for signup bonus

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card logo
Finder Rating: 4.3 / 5

★★★★★

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

670
Min. credit score
$95
Annual fee
80,000
Points welcome offer
Up to 5x
Points
The Chase Sapphire Preferred® Card offers one of the highest signup bonuses you can find. You'll also earn accelerated points on travel and dining purchases.
  • Signup bonus. Earn 80,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $1,000 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.
  • Annual fee. The card comes with a $95 annual fee.
Annual fee $95
Purchase APR 15.99% to 22.99% variable
Foreign transaction fee None
Welcome offer 80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
Rewards 5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Best for premium 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
50,000
Points welcome offer
Up to 10x
Points
Combining great travel credit with strong earnings on both travel and dining, the Chase Sapphire Reserve® is a terrific pick for those who want to earn on the go.
  • Signup bonus. Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $750 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.
  • Annual fee. Awesome perks come with a high annual fee. You'll pay $550 annual fee for the card.
Annual fee $550
Purchase APR 16.99% to 23.99% variable
Foreign transaction fee None
Welcome offer 50,000 points after spending $4,000 in the first 3 months
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 hotels

IHG® Rewards Club Premier Credit Card

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

★★★★★

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

670
Min. credit score
$89
Annual fee
125,000
Points welcome offer
Up to 25x
Points
The IHG® Rewards Club Premier Credit Card should be on the top of your list if you're looking for a hotel credit card to earn the highest number of rewards nights.
  • Signup bonus. Earn 125,000 bonus points once you spend $3,000 in your first 3 months of account opening. Most credit cards that offer such generous signup bonuses usually require a higher spend of around $4,000 in the first three months.
  • 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.
Annual fee $89
Purchase APR 15.99% to 22.99% variable
Foreign transaction fee None
Welcome offer 125,000 points after spending $3,000 in the first 3 months
Rewards 25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases

Best for airline

The Platinum Card® from American Express

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

★★★★★

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

670
Min. credit score
$550
Annual fee
60,000
Points welcome offer
Up to 5x
Points
The Platinum Card® from American Express offers a flat 5x points on airfare purchased directly through airlines or with American Express Travel. This gives you more freedom when choosing an airline for rewards.
  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 5% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $1,200 worth of rewards when transferred to travel partners.
  • 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.
  • 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.
Annual fee $550
Purchase APR
Foreign transaction fee None
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

How we selected our top cards

When choosing this year’s top travel cards, we compared a number of factors among eligible cards, including annual fees, airline or hotel brands, welcome offers, reward opportunities, redemption options and other features a consumer might consider in a travel card. We highlighted those that stood out above the others in a particular category.

What’s changed in 2020

Our travel picks this year received a bit of a shakeup thanks to the overhauls to benefits and annual fees across the industry. These changes led to a slight tweaking to our categories to align with travel cards becoming more niche in the benefits they offer. Notably, the Chase Sapphire Reserve® moved to a “dining and travel” category and we introduced categories for signup bonuses and airlines.

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best no annual fee credit cards 2017

Best credit cards with no annual fees

A no-annual-fee credit card is the credit card of choice for the easy-going and occasional spenders. You can use it as much or as little as you want because it costs nothing to maintain it.

On the other hand, cards with annual fees require a certain level of spending or activity to avoid “losing” money on the annual fee. Of course, you’re crossing your fingers for more than just a $0 annual fee out of these cards — namely, extra perks you don’t have to pay for.

Best for cash back after your balance transfer

Citi® Double Cash Card

Citi® Double Cash Card logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
The Citi® Double Cash Card has one of the highest cashback rates on all purchases. Plus, you get one of the longest intro APR periods on balance transfers.
  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.
  • Foreign transaction fee. All purchases made abroad or online with foreign merchants cost 3% of the amount.
Annual Fee $0
Purchase APR 13.99% to 23.99% variable
Balance transfer APR 0% intro for the first 18 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Best for signup bonus

IHG® Rewards Club Traveler Credit Card

IHG® Rewards Club Traveler Credit Card logo
Finder Rating: 4.5 / 5

★★★★★

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

670
Min. credit score
$0
Annual fee
Up to 15x
Points
75,000
Points welcome offer
Meeting the IHG® Rewards Club Traveler Credit Card's signup bonus criteria will get you around $525 in value, which is rare for a no-annual-fee card.
  • Signup bonus. Earn 75,000 points once you spend $2,000 in your first 3 months when you open your account.
  • Earn reward points. Purchases made at IHG hotels earn 15x points, purchases made at gas stations, grocery stores and restaurants earn 2x points, while all other purchases earn 1x points.
  • Fourth reward night free. Every time you redeem your points for four or more reward nights, you get one reward night free.
  • No intro APR period. If you're looking to save money on interest with 0% intro APR period on balance transfers and purchases, you may want to look for other credit cards.
Annual Fee $0
Purchase APR 15.99% to 22.99% variable
Balance transfer APR 15.99% to 22.99% variable
Welcome offer 75,000 points after spending $2,000 in the first 3 months
Rewards 15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases

Best for balance transfers

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card logo
Finder Rating: 4.8 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
The U.S. Bank Visa® Platinum Card lets you move your balance from another card and enjoy 20 months of no interest, which should be more than enough to pay off your debt.
  • Intro APR period on balance transfers. For transfers made within the first 60 days of your account opening, get a 0% intro APR period for 20 months. After that, your rate will be from 13.99% to 23.99% variable.
  • Intro APR period on purchases. You also get a 0% intro APR period on all purchases made within the first 20 months of card membership. A variable APR of 13.99% to 23.99% applies thereafter.
  • No penalty APR. Late payments won't result in a penalty APR on your account.
  • Foreign transaction fee. Using this card abroad or online with foreign merchants will accrue a 3% foreign transaction fee.
Annual Fee $0
Purchase APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards N/A

Best for travel

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card logo
Finder Rating: 3.2 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
1.5x
Points
25,000
Points welcome offer
The Bank of America® Travel Rewards credit card lets you earn unlimited points on everything you buy. And if you're a member of the bank's preferred rewards program, you can boost the rewards rate and earn up to 75% more points.
  • Signup bonus. Get 25,000 bonus points — worth in statement credit — once you spend $1,000 on purchases in the first 90 days of card membership.
  • Earn points. Earn unlimited 1.5x points on everything you buy. Redeem points for statement credit, flights, hotels, vacation packages, cruises, rental cars or baggage fees.
  • Intro APR period on purchases. Enjoy a 0% intro APR period on purchases for the first 12 statement closing dates. After that, a variable APR of 14.99% to 22.99% applies.
  • Penalty APR. If you make late payment, your APR may increase to 29.99% variable, and it can last indefinitely.
Annual Fee $0
Purchase APR 0% intro for the first 12 statement closing dates (then 14.99% to 22.99% variable)
Balance transfer APR 14.99% to 22.99% variable
Welcome offer 25,000 points after spending $1,000 in the first 90 days
Rewards 1.5x points on all purchases

How we selected our top cards

When choosing this year’s top no-annual-fee cards, we compared a number of factors among eligible cards, including APR, welcome offers, reward opportunities, redemption options and other features a consumer might consider in a no-annual-fee credit card. We highlighted those that stood out above the others in a particular category.

What’s changed in 2020

The IHG® Rewards Club Traveler Credit Card found a spot in the best no-annual-fee cards this year due to its massive signup bonus. Also, the U.S. Bank Visa® Platinum Card displaced the Citi Simplicity® Card due to its slightly longer intro APR period on balance transfers.

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calculator icon for low interest

Best low-interest credit cards

Though it’s a good practice to avoid carrying a balance whenever possible, a card with a low interest rate can prove useful in the event of a financial emergency or when you need to stretch out your funds for a period of time. As these cards are often reserved for those with good or better credit, they can also provide a number of other perks, such as no annual fee, solid signup bonuses and more.

Best for signup bonus

TD First Class℠ Visa Signature® Credit Card

TD First Class℠ Visa Signature® Credit Card logo
Finder Rating: 3.5 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$89 ongoing
Annual fee
Up to 3x
Miles
$250
Miles welcome offer
This card comes with low interest rates and a generous signup bonus worth up to $250 once you meet the spend requirements. You also get to earn accelerated points on travel and dining purchases.
  • Signup bonus. Earn 25,000 miles worth up to $250 when you spend $3,000 in your first 6 billing cycles when you opened your account.
  • Earn miles. Earn 3x miles on flights, hotels, car rentals, cruises and dining, and 1x miles on all other purchases.
  • No foreign transaction fees. Use your card freely when traveling abroad or when purchasing items from foreign merchants online and you won't pay any foreign transaction fees.
  • Annual fee. You won't pay an annual fee for the first year, but starting from the second, expect to pay $89 annually.
Annual Fee $0 intro annual fee for the first year ($89 thereafter)
Purchase APR 13.24% variable
Balance transfer APR 0% intro for the first 12 billing cycles after Account opening. (then 13.24% variable)
Welcome offer 25,000 miles after spending $3,000 in the first 6 billing cycles
Rewards 3x miles on travel and dining and 1x miles on all other purchases

Best for rewards

Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card

Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 5x
Points
$150
Welcome offer
This card offers accelerated rewards on quarterly rotating categories. But compared to similar cards, it comes with one of the lowest interest rates.
  • Reward points. Earn 5x points on rotating categories on up to $1,500 each quarter. After that and on all other purchases, you earn 1x points.
  • Signup bonus. Earn a $150 bonus once you spend $1,200 in your first 90 days of card membership.
  • Intro APR period. Get 12 months of 0% intro APR period on purchases and 18 months on balance transfers from the day you open your account. Once the intro period expires, your rate reverts to a 9.25% variable.
  • Balance transfer limitations. You must transfer your balance within 90 days when you open your account to use the intro APR period. Balance transfers made after your first 90 days will incur the standard APR.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then from 9.25% variable)
Balance transfer APR 0% intro for the first 18 months (then 9.25% variable)
Welcome offer $150 after spending $1,200 in the first 90 days
Rewards 5x points in rotating categories up to $1,500 combined each quarter, then 1x after that and on all other purchases

Best for lowest APR

Simmons Visa®

Simmons Visa® logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
The Simmons Visa® is a simple card with a low APR on purchases, balance transfers and cash advances. The APR is one of the lowest out there, though you won't get an intro APR period.
  • Low APR on balance transfers and purchases. Get a variable APR of 8.25% on balance transfers and purchases. This is low, considering the average APR on other cards is 16% and some even soar as high as 26%.
  • Low APR on cash advances. The card comes with a variable APR of 12.25% on cash advances. Compared to other cards that have cash advance APRs as high as 27%, this is relatively low.
  • No balance transfer fees. You won't pay any fees for making balance transfers. Other cards charge a fee of up to 5% of each transaction.
  • Foreign transaction fees. You'll pay 2% fee of the amount of every transaction you make abroad or online at foreign merchants.
Annual Fee $0
Purchase APR 8.25% variable
Balance transfer APR 0% intro for the first 12 months (then 8.25% variable)
Welcome offer N/A
Rewards N/A

How we selected our top cards

When choosing this year’s top low-interest credit cards, we looked at several factors, including welcome offers, lowest APRs, reward opportunities and other card perks or benefits. We highlighted those that stood out above the others in a particular category.

What’s changed in 2020

There are some changes in this category for the 2020. Mainly, the PenFed Promise Visa® Card became the best card with no fees, while the Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card took over the spot for the best rewards card because of its accelerated points on rotating categories.

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best 0 APR credit cards 2017

Best credit cards with 0% intro APR

A 0% APR credit card is the perfect card if you’re looking for a long interest-free period to support a big investment or spending period. Holiday shopping in particular can prove less stressful when using a 0% APR credit card. These cards can also offer strong travel rewards or flexible cash back, making them a flexible, strong choice no matter your needs.

Best for long balance transfer intro APR period with no late fees

Citi Simplicity® Card

Citi Simplicity® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
18 months
0% intro transfer APR
n/a
Rewards
The Citi Simplicity® Card comes with one of the longest 0% intro APR periods on balance transfers you can find in any card. This makes the card a solid option for anyone looking to pay off debt from their other cards.
  • Intro APR period on balance transfers. For transfers made within the first 4 months of your account opening, get a 0% intro APR period for 18 months. After that, your rate will be from 14.74% to 24.74% variable.
  • Intro APR period on purchases. You also get a 0% intro APR period on all purchases made within the first 18 months of card membership. A variable APR of 14.74% to 24.74% applies thereafter.
  • No penalty APR and no late fees. Don't worry if you make a late payment — you won't pay any fee for being late and you won't accrue a penalty APR, which is known to be up to 32% with other cards.
  • Foreign transaction fee. Using this card abroad or online with foreign merchants will accrue a 3% foreign transaction fee.
Annual fee $0
Purchase APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Balance transfer APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Balance transfer fee $5 or 3% of the transaction, whichever is greater
Rewards N/A
The information about Citi Simplicity® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Best for longest purchase intro APR

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card logo
Finder Rating: 4.8 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
20 months
0% intro transfer APR
n/a
Rewards
This card may not have many features and benefits, but it offers one of the longest intro APR periods on purchases and balance transfers. Plus, you won't pay an annual fee.
  • Intro APR period. Get a long 0% intro APR period on purchases and balance transfers for 20 months. After that, a variable APR of 13.99% to 23.99% applies.
  • Cell phone protection. Pay your cell phone bill with your card to get coverage against phone damage or theft up to $600. You're limited to two claims in a 12-month period for a total of $1,200.
  • No penalty APR. Late and returned payments only come with fees of up to $40 — not a penalty APR. With other cards, you could incur a penalty APR of up to 31%, which can last indefinitely.
  • Foreign transaction fees. If you use this card online at foreign merchants or when traveling abroad, expect to pay 3% fee of the amount of each transaction.
Annual fee $0
Purchase APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer fee $5 or 3% of the transaction, whichever is greater
Rewards N/A

Best for ongoing rewards

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo
Finder Rating: 4.2 / 5

★★★★★

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

670
Min. credit score
$0
Annual fee
n/a
Transfer APR
Up to 3%
Cash back
The Blue Cash Everyday® Card from American Express is one of the best credit cards with solid ongoing rewards and a long 0% intro APR period on purchases.
  • Intro APR period on purchases. Get a 0% intro APR period for 15 months following your account opening. After that, your rate reverts to 13.99% to 23.99% variable.
  • Earn cash back. Earn 3% cash back on up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on everything else you buy.
  • Welcome offer. Get $150 bonus after you spend $1,000 on purchases in the first 3 months following your account opening.
  • Balance transfer limits. Amex removed the balance transfer offer for this card in June 2020.
Annual fee $0
Purchase APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Balance transfer fee
Rewards 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

How we selected our top cards

When choosing this year’s top 0% APR credit cards, we compared a number of factors among eligible cards, including fees, intro length, the revert APR, welcome offers and any additional rewards or perks offered. We highlighted cards that stood out in one or more of these categories.

What’s changed in 2020

The Citi Simplicity got its spot back this year because of the long intro APR period on balance transfers. Also the Blue Cash Everyday® Card from American Express took a spot because of its high rewards value after the intro APR period is up.

business credit card icon

Best business credit cards

As a business owner, your purchases keep your operation running. Business credit cards are designed to directly bolster and reward your spending on business-related expenses. These cards also come in a variety of business-related flavors, such as cobranded business credit cards for frequent business flyers. Best of all, many let you accrue points or miles on cards you open for employees!

Best for no personal guarantee

Brex for Startups

Brex for Startups logo
Credit recommended (300-850)
Apply now
on Brex's secure site
300
Min. credit score
$0
Annual fee
Up to 7x
Points
Other
Welcome offer
Brex for Startups doesn't require a personal guarantee, unlike most other business credit cards. You don't need a credit score to apply, and you can earn 1x to 7x points in select categories if you make Brex your exclusive company card.
  • No personal liability. This card doesn't require personal liability, a credit score, social security number or security deposits. In case your company fails, your personal assets won't be touched to pay off the card's debt.
  • Earn rewards. Earn 1x points on all of your purchases. Boost your rewards when you make Brex your exclusive company card. This will make you earn 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x on dining, 2x on recurring software and software as a service and 1x points on everything else you buy.
  • Signup bonus. With this card, you don't earn the standard credit card bonus when you meet the spend requirements. Instead, you get up to $25,000 worth of services right off the bat, including $5,000 in credit for Amazon Web Services, a 25% subscription discount of up to $375 for Salesforce, $436 credits per month for 12 months for Zendesk and more.
  • Can't carry a balance. You must pay your full balance before your due date, which is 30 days after the close of your statement period.
Annual Fee $0
Purchase APR N/A
Balance transfer APR N/A
Welcome offer Up to $25,000 worth of credits for business services like Amazon Web Services, Salesforce, Zendesk and more
Rewards 7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases

Best for luxury travel

The Business Platinum Card® from American Express

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

★★★★★

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

670
Min. credit score
$595
Annual fee
Up to 5x
Points
75,000
Points welcome offer
The Business Platinum Card® from American Express has a steep annual fee, but it offers numerous perks for premium travel. You'll find rewards on flights and prepaid hotels through Amex Travel, an annual airline credit, access to the Global Lounge Collection, gold status in the Marriott and Hilton loyalty programs and more.
  • Welcome offer. Spend $15,000 on purchases in your first 3 months of card membership and get 75,000 bonus points.
  • Membership rewards. Get 5x points on prepaid hotels and flights through Amex Travel and 1x points on everything else you buy. For purchases of 5,000 and more, you'll get 1.5x points — up to 1 million points per year.
  • Global Lounge Collection. Get access to more than 1,200 airport lounges worldwide, including the Centurion Lounge, International American Express lounges and Delta Sky Club when flying Delta. To get access to Priority Pass Select, Airspace and Escape lounges, you'll need to enroll first.
  • High annual fee. This is one of the more expensive business cards with a $595 annual fee.
Annual Fee $595
Purchase APR N/A
Balance transfer APR N/A
Welcome offer 75,000 points after spending $15,000 in the first 3 months
Rewards 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

Best for large signup bonus

Wells Fargo Business Elite Signature Card

Wells Fargo Business Elite Signature Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$125 ongoing
Annual fee
1.5%
Cash back
$1,000
Welcome offer
The Wells Fargo Business Elite Signature Card offers a signup bonus valued at . That's an excellent deal compared to what you'll find with other business credit cards.
  • Signup bonus. If you select cashback rewards, you get to earn $1,000 after you spend $25,000 in your first 3 months when you open your account.
  • Earn rewards. Earn either 1.5% cash back or 1x points on all purchases, plus 5,000 points after spending $10,000 or more in any monthly billing period.
  • Travel Incidental Fee Reimbursement. Get $100 travel fee reimbursement once per calendar year per company.
  • Annual fee. You won't pay any fee for the first year, but starting from the second year, expect to pay a $125 fee for your card.
Annual Fee $0 intro annual fee for the first year ($125 thereafter)
Purchase APR 7.24% variable
Balance transfer APR N/A
Welcome offer $1,000 or 100,000 bonus points when you enroll in the rewards program and spend $25,000 in first 3 months
Rewards 1.5% cash back or 1x points on all purchases, plus 5,000 points after spending $10,000 or more in any monthly billing period

Best for unlimited flat-rate cash back

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business logo
Finder Rating: 4.4 / 5

★★★★★

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

670
Min. credit score
$95 ongoing
Annual fee
2%
Cash back
$500
Welcome offer
The Capital One® Spark® Cash for Business offers 2% cash back on all purchases, which is a strong and consistent rate. This makes the card a good choice if you don't want to deal with different reward tiers.
  • Earn cash back. Earn unlimited 2% cash back on all of your business purchases. Redeem your cash back as statement credit, a check or use it for credits toward previous purchases.
  • Signup bonus. Earn a $500 cash bonus after spending $4,500 during the first 3 months of card membership.
  • Additional employee cards. Get your employees complimentary cards and earn even more cash back on their spending.
  • Annual fee. You won't pay an annual fee for the first year. After that, your annual fee is $95.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 20.99% variable
Balance transfer APR 20.99% variable
Welcome offer $500 after spending $4,500 in the first 3 months
Rewards 2% cash back on all purchases

How we selected our top cards

When choosing this year’s top business credit cards, we compared a number of factors among eligible cards, including fees, free employee cards, credit limit, reward opportunities, welcome offers and any additional rewards or perks offered. We highlighted cards that stood out in one or more of these categories.

What’s changed in 2020

2020’s crop of business credit cards held steady, with the previous year’s winners continuing to offer excellent value.

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Best secured credit cards for bad credit 2017

Best secured credit cards

If you have bad or nonexistent credit, a secured credit card can help. This type of card requires you to put money down as collateral in case you fail to make payments. And while a secured credit card often offers a smaller credit line than fully fledged credit cards, they’re a safer option than choosing a subprime card for rebuilding your credit.

Since your main goal with a secured card is to build credit, look for cards that report payments to all three major credit bureaus — Equifax, Experian and Transunion. Here are a few of our favorite secured cards.

Best for no credit history

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (300-669)
Apply now
on Capital Bank N.A.'s secure site
300
Min. credit score
$35
Annual fee
17.39%
variable
Purchase APR
From $200
Min. deposit
The OpenSky® Secured Visa® Credit Card doesn't pull your credit history. Once approved, you'll make a security deposit that acts as your credit line, and you can start using your card responsibly to build your credit.
  • Build your credit. The card reports to all three major credit bureaus, which can help strengthen your credit. All you have to do is keep your utilization low and make timely payments.
  • No credit check. OpenSky only uses your ID to confirm your identity — it won't do a credit pull.
  • Intro APR period on purchases. Get of intro APR period on purchases. After that, a variable APR of 17.39% applies. This is a rare feature among secured credit cards.
  • Annual fee. The card comes with a $35 annual fee.
Annual fee $35
Minimum deposit required Starting at $200
Purchase APR 17.39% variable
Balance transfer APR N/A
Recommended minimum credit score 300

Best for lowest ongoing APR

Green Dot primor® Mastercard® Gold Secured Credit Card

Green Dot primor® Mastercard® Gold Secured Credit Card logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (300-579)
Read review
300
Min. credit score
$49
Annual fee
9.99% fixed
Purchase APR
From $200
Min. deposit
This card can be a decent choice for those looking to build their credit while paying a low APR on purchases. However, the card has many fees, so read the fine print to avoid any surprises.
  • Build your credit. The card reports to all three major credit bureaus — Equifax, Experian and TransUnion. If you keep your utilization low and pay your balance on time, you'll be on a good track to build your credit.
  • Fixed APR. Most cards come with a variable APR, but with this card, you'll get one of the lowest APRs at 9.99% fixed.
  • No minimum credit score. You can apply without credit history or if you have a poor credit score.
  • Annual fee. You'll pay an annual fee of $49 for the card.
Annual fee $49
Minimum deposit required Starting at $200
Purchase APR 9.99% fixed
Balance transfer APR N/A
Recommended minimum credit score 300

Best for lowest deposit

Capital One® Secured Mastercard®

Capital One® Secured Mastercard® logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (580-669)
Read review
Rates & fees

580
Min. credit score
$0
Annual fee
26.99% variable
Purchase APR
From $49
Min. deposit
This could be a good credit card choice for those who are looking to get a secured card with a low minimum deposit. With responsible use, you'll get to build your credit and you could get a higher credit line without depositing more funds.
  • You'll pay no annual fee to use this card.
  • Depending on your credit, you may pay a security deposit as low as $49 and still get a $200 credit limit.
  • Make your first 5 monthly payments on time and Capital One will raise your credit limit.
  • This card features a high APR of 26.99% variable.
  • No rewards.
Annual fee $0
Minimum deposit required $49, $99 or $200
Purchase APR 26.99% variable
Balance transfer APR 26.99% variable
Recommended minimum credit score 580

Best for rewards

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
22.99% variable
Purchase APR
From $200
Min. deposit
The Discover it® Secured doesn't pull your credit history. Once approved, you'll make a security deposit that acts as your credit line, and you can start using your card responsibly to build your credit.
  • Build your credit. Responsible use of the card will help you build your credit score, as the card reports to all three major credit bureaus — Equifax, Experian and TransUnion.
  • Earn cash back. Earn 2% back on dining and gas on up to $1,000 in combined purchases each quarter. On everything else you buy, you'll earn 1% cash back.
  • Intro APR period on balance transfers. Enjoy a 10.99% intro APR period on balance transfers for 6 months. After that, a variable APR of 22.99% applies.
  • Balance transfer limitation. You must make your balance transfers by a rolling deadline to use the intro APR period.
Annual fee $0
Minimum deposit required Starting at $200
Purchase APR 22.99% variable
Balance transfer APR 10.99% intro for the first 6 months (then 22.99% variable)
Recommended minimum credit score 300

How we selected our top cards

When choosing this year’s top secured credit cards, we compared a number of factors among eligible cards, including fees, required deposit, credit limit, reward opportunities, welcome offers and any additional rewards or perks offered. We highlighted cards that stood out in one or more of these categories.

What’s changed in 2020

This year, all cards in this category kept their top spots.

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best student credit cards 2018

Best student credit cards

A student credit card is designed to introduce you to how credit cards work and let you practice building good financial habits as you attend school. Some of these cards are often forgiving for mistakes you might make as a new cardholder, while others aren’t so lenient, but offer attractive rewards for school performance or let you graduate to a higher credit limit for repaying on time. Here are a few of our top picks for students.

Best for paying off student loans

Sallie Mae Accelerate℠

Sallie Mae Accelerate℠ logo
Finder Rating: 3.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
1.25%
Cash back
n/a
Welcome offer
The Sallie Mae Accelerate℠ offers 1.25% cash back on every purchase. While this seems below average at first glance, your cash back is worth 25% more when you use it to pay down student loans. This gives you a slightly higher overall rewards rate than you'll find with other 1.25% cashback cards.
  • Cash back. Earn 1.25% cash back on all purchases. Redeem your cash back toward your student loan payments and earn another 0.31% back as a bonus.
  • Intro APR period on purchases. Get 15 months of 0% intro APR period on your purchases. After the intro period expires, your rate reverts to variable 12.99% to 22.99%.
  • No annual fee. Aside from helping you pay off your student loans with cashback rewards, you'll save money on an annual fee as the card has none.
  • Foreign transaction fee. Using the card online at foreign merchants or abroad will cost you a 3% fee of the amount.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 12.99% to 22.99% variable)
Balance transfer APR 0% intro for the first 15 months (then 12.99% to 22.99% variable)
Welcome offer N/A
Rewards 1.25% cash back on all purchases

Best for good grade rewards

Discover it® Student Cash Back

Discover it® Student Cash Back logo
Finder Rating: 4.2 / 5

★★★★★

Credit recommended (580-739)
Read review
580
Min. credit score
$0
Annual fee
Up to 5%
Cash back
Other
Welcome offer
The Discover it® Student Cash Back offers a unique $20 statement credit each school year you get a 3.0 GPA or higher. It also offers excellent cash back in rotating categories at a stellar rate.
  • Good grades reward. Every school year you have a GPA of 3.0 or higher, you'll get a $20 statement credit. This perk is good for up to five years.
  • Earn cash back. Earn 5% cash back on categories that rotate each quarter on up to $1,500. After reaching the cap, you earn 1% cash back, which is the same rewards rate you earn on all other purchases.
  • Cashback match. At the end of the first year, Discover will match the cash back you earned. This means if you earned $100 in cash back during your first year of card membership, Discover will automatically give you $100 more.
  • No 0% intro APR period on balance transfers. This card offers a 0% intro APR period on purchases but not on balance transfers. However, you do get slightly lower interest rates on balance transfers of 10.99% for the first 6 months. After that, a variable APR of 12.99% to 21.99% applies.
Annual Fee $0
Purchase APR 0% intro for the first 6 months (then 12.99% to 21.99% variable)
Balance transfer APR 10.99% intro for the first 6 months (then 12.99% to 21.99% variable)
Welcome offer Discover will match cash back at the end of your first card year
Rewards 5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases

Best for studying abroad

Bank of America® Travel Rewards for Students

Bank of America® Travel Rewards for Students logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (580-850)
Read review
580
Min. credit score
$0
Annual fee
1.5x
Points
25,000
Points welcome offer
The Bank of America® Travel Rewards for Students offers solid, consistent rewards that you can redeem as statement credit for a variety of travel purchases. It's an excellent choice for a study-abroad trip, as you'll pay no foreign transaction fees.
  • Reward points. Earn 1.5x points on all purchases made with this card.
  • Signup bonus. Earn 25,000 bonus points after you spend $1,000 in your first 90 days of account opening. That's worth in statement credit on your next travel purchase.
  • Intro APR period on purchases. Get 12 billing cycles of 0% intro APR period on purchases. After that, your rate reverts to variable 14.99% to 22.99%.
  • No balance transfer intro APR period. You only get 0% intro APR period on purchases, but not on balance transfers.
Annual Fee $0
Purchase APR 0% intro for the first 12 billing cycles (then 14.99% to 22.99% variable)
Balance transfer APR 14.99% to 22.99% variable
Welcome offer 25,000 points after spending $1,000 in the first 90 days
Rewards 1.5x points on all purchases

Best for rewards

Bank of America® Cash Rewards for Students

Bank of America® Cash Rewards for Students logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (580-850)
Read review
580
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$200
Welcome offer
The Bank of America® Cash Rewards for Students offers strong rewards in a variety of common student spend categories. Its cashback rates are among the highest you'll find for student cards.
  • Cash back. Earn 3% cash back on a category you choose — online shopping, dining, gas, drug stores, travel or home improvements — and 2% cash back at grocery stores and wholesale clubs. Your cash back is capped at $2,500 each quarter on combined purchases at the 3% and 2% categories. Once reaching the cap, you earn 1% cash back, which is the same rate you earn on all other purchases.
  • Signup bonus. Earn a $200 online cash rewards bonus once you spend $1,000 in your first 90 days of account opening.
  • Intro APR period. Get 0% intro APR period for the first 15 statement closing dates on purchases and balance transfers made within the first 60 days of card membership. A variable APR of 13.99% to 23.99% applies thereafter.
  • Foreign transaction fees. Every time you use your card online at foreign merchants or abroad, you'll pay a 3% fee of the amount.
Annual Fee $0
Purchase APR 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 15 billing cycles (then 13.99% to 23.99% variable)
Welcome offer $200 after spending $1,000 in the first 90 days
Rewards 3% and 2% cash back on the first $2,500 in combined choice category, grocery and wholesale club purchases each quarter, then 1%

How we selected our top cards

When choosing this year’s top student credit cards, we compared a number of factors among eligible cards, including fees, credit limit, reward opportunities, student-specific perks, welcome offers and any additional rewards or benefits offered. We highlighted cards that stood out in one or more of these categories.

What’s changed in 2020

The Bank of America® Cash Rewards for Students dethroned the Journey® Student Rewards from Capital One® this year because of its higher rewards potential. Also, the Sallie Mae Accelerate℠ card took its spot as a solid option for paying off your student loans.

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best cashback credit cards 2020

What is the best credit card company?

Just as there is no single best credit card out there, there is no single best credit card company that will fulfill all your needs. With that said, many of the most popular credit card companies are sought after for a reason. Here’s a quick look at the top issuers based on market share according to Finder’s most recent research.

What makes a credit card company “the best”?

Credit card companies that are known as the “best” usually specialize in one area where they outperform competitors. They will focus on serving their niche market through quality, variety or both.

Here are a few examples from some of the more popular card issuers today. You’ll note that in each example, a different type of cardholder stands to most benefit from the services offered.

Amex: American Express caters to cardholders in the high-end market, offering numerous perks and benefits. This includes concierge service, Centurion Lounge access, ShopRunner membership and more.

Chase: Chase offers a wide selection of credit cards for nearly every type of cardholder. Chase also possesses one of the more valuable rewards programs in the Chase Ultimate Rewards program.

Citi: Citibank runs head to head with Chase and Amex when it comes to rewards. However, Citi’s cashback cards, in particular, are standouts in the industry and a go-to for consumers looking for a simple and valuable cashback program.

Discover: Discover is known in part for not offering any credit cards that require annual fees. Despite this, Discover still offers some great rewards and will match rewards earned at the end of the first year in lieu of a traditional signup bonus.

Wells Fargo: Wells Fargo offers easy-to-understand, straightforward credit card options, which is ideal for those who simply need a credit card for standard purposes. As a tradeoff, it lags behind other front runners when it comes to rewards and perks.

Your questions about the best credit cards, answered

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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4 Responses

  1. Default Gravatar
    DmitryDecember 6, 2018

    What is the best product for people without credit score (gain credit card for the first time)?

    • Default Gravatar
      AshDecember 11, 2018

      Hi Dmitry,

      Thank you for reaching out to us.

      You may check this page for the type of Credit Cards that you can take since you are building your credit.

      Also, you may compare the Secured Credit Card here as they do not have Credit Check and will most likely be easier for you to be approved of and build you credit. With Secured Credit Cards, you will have to make a security deposit that will be your initial credit limit. Making on-time payments and having no defaults will build good credit score.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.

      Cheers,
      Ash

  2. Default Gravatar
    JustinNovember 10, 2017

    Is Citibank not as good as AMEX in terms of customer satisfaction? Which no annual fee cash back credit card are highly rated among reviewers for people with excellent credit?

    • Avatarfinder Customer Care
      JudithNovember 10, 2017Staff

      Hi Justin,

      Thanks for your question. AMEX tends to beat out Citibank in terms of overall customer satisfaction and customer care. However, AMEX is not accepted at as many outlets as a network like VISA or Mastercard, so keep that in mind as you shop for card.

      If you have excellent credit, you have more options when it comes to shopping for perks. If you travel often, AMEX is known for its traveler and airline perks. If you need a balance transfer, Citibank may have a contender with the Citi Simplicity.

      For a list of options of No Annual Fee cards, you may check the table of no-fee cards at the top of the page you’re viewing. You may also go to this page for other options.

      Kindly review the relevant details as well as the Product Disclosure Statements / Terms & Conditions of each option so you could compare and eventually choose the one which suits your needs.

      I hope this helps.

      Best regards,
      Judith

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