Review and compare the best credit cards of 2018 | finder.com

The best credit cards of 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

It’s 2018 — time for a new credit card. But with so many options, which should you pick?

We’ve got you covered with a breakdown of 2018’s best credit cards. Click on a category from the list below to get on your way to finding the perfect card.

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. A good one will offer:

  • A long 0% APR period.
  • Potentially no balance transfer fees.
  • Potentially a low ongoing rate for balance transfers once the promotional rate ends.

Best balance transfer credit cards

Name Product Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
0% for the first 18 months (then 12.74%, 16.74% or 20.74% variable)
12.74%, 16.74% or 20.74% variable
$0
Fair (660-699)
An 18-month 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
0% for the first 21 months (then 14.74% to 24.74% variable)
14.74% to 24.74% variable
$0
Fair (660-699)
Lowest intro APR for 21 months plus VIP Access.
0% for the first 20 billing cycles (then 11.74% to 23.74% variable)
11.74% to 23.74% variable
$0
Fair (660-699)
Special 0% introductory APR* on purchases and balance transfers for the first 20 billing cycles and after that, a variable APR, currently 11.49% - 23.49%,* based on your creditworthiness.
0% for the first 18 months (then 15.74% to 25.74% variable)
15.74% to 25.74% variable
$0
Good (700-739)
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
0% for the first 15 months (then 16.74% to 25.49% variable)
16.74% to 25.49% variable
$0
Fair (660-699)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
0% for the first 14 months (then 13.74% to 24.74% variable)
13.74% to 24.74% variable
$0
Fair (660-699)
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
0% for the first 18 billing cycles (then 14.24% to 24.24% variable)
14.24% to 24.24% variable
$0
Fair (660-699)
0% introductory APR on balances for 18 billing cycles within the first 90 days of opening your account.

Compare up to 4 providers


Best for longest intro APR period on balance transfers: Citi® Diamond Preferred® Card

If you’re looking for a credit card to use exclusively for balance transfers, the Citi® Diamond Preferred® Card could be the right choice. You’ll get one of the longest intro APR periods on balance transfers and an intro APR period on purchases that lasts for a year. Furthermore, you won’t pay an annual fee to own the card, which makes it an excellent choice to save money and consolidate your debt.

Back to top

Best card for no balance transfer fees: BankAmericard® Credit Card

The BankAmericard® Credit Card may not have the longest intro APR period on balance transfers and purchases, but it comes with other cool perks that can help you save money. Enjoy no annual fee, no penalty APR and no balance transfer fees for transactions made within the first 60 days of card membership.

Back to top

Best welcome offer: Amex EveryDay® Credit Card

If you’re looking to make balance transfers and earn rewards on everything you buy — especially at supermarkets — the Amex EveryDay® Credit Card could be an ideal choice. You’ll get a decent welcome offer, and you won’t pay any balance transfer fees.

Back to top

Best for cash back: Chase Freedom® credit card

The Chase Freedom® credit card could be a solid choice for anyone looking for an intro APR period on balance transfers. Not only will you save money on interest, but you’ll earn cash back on everything you buy. Also, you’ll get an easy-to-earn signup bonus and increased cash back on selected categories each quarter. And the best part is — there’s no annual fee.

Back to top

best cashback credit cards 2018

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. But to pick the right one, consider whether you spend a lot in any particular category or if you need an intro APR period on purchases or balance transfers.

Best credit cards for cash back

Updated September 23rd, 2018
Name Product Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
$0 to $99
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchase, terms apply.
$0
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
$95
14.74% to 25.74% variable
0% for the first 12 months (then 14.74% to 25.74% variable)
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
$0
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
$0
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.
16.74%, 22.49% or 25.49% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers


Best for dining: Uber Visa Card

The no-annual-fee Uber Visa Card could be an ideal choice if you spend a lot of money at restaurants and bars or you often get takeout. This will earn you the highest number of points, which you can redeem for cash back, gift cards and Uber credits.

In addition, you’ll earn high points on travel purchases, online shopping, Uber rides, streaming services and digital purchases. And the cool thing is — you’ll earn points even on purchases made abroad.

Back to top

Best for groceries: Blue Cash Preferred® Card

Families that spend up to $6,000 per year on groceries could find the Blue Cash Preferred® Card extremely useful. You’ll get to earn one of the highest cashback rates on this category, plus you’ll earn high cash back on gas and at select department stores.

Also, you’ll get a decent welcome offer, a long intro APR period on balance transfers and purchases, cell phone coverage, travel insurance and a whole lot of purchase benefits.

Back to top

Best for unlimited cash back: Citi® Double Cash Card

If you’re looking for a no-annual-fee card with unlimited cash back, the Citi® Double Cash Card could be an excellent choice. You’ll get to earn the highest cash back on all purchases when compared to competitor cards, and you’ll get one of the longest intro APR periods on balance transfers.

Back to top

Best for rotating categories: U.S. Bank Cash+ ™ Visa Signature® Card

U.S. Bank Cash+ Visa Signature® Card
U.S. Bank Cash+ ™ Visa Signature® Card

The U.S. Bank Cash+ ™ Visa Signature® Card is a solid option if you want to earn cash back on rotating categories. Competitor cards usually offer one or two categories per quarter — like dining, groceries or gas — with a cap of $1,500 in combined purchases.

This is where the U.S. Bank card shines — you earn the highest cash back on two categories of your choosing with a quarterly cap of $2,000. This means you can earn $100 more annually if you reach the cap when compared to similar cards. You’ll also earn accelerated rewards on an everyday category of your choosing, with no limit to how much you can earn.

Every quarter you can maximize the cash back you earn based on your spending habits. For example: Planning to buy electronics? No problem. Choose electronic stores for your quarterly cashback category and earn 5% back on stores like Apple, Newegg, Best Buy and more. Next quarter add furniture stores, department stores or any of the other supported categories to make the most of your card.

Back to top

best travel credit cards 2017

Best travel credit cards and cards with no foreign transaction fees

A travel card is your best friend when you’re on vacation. Great travel cards will likely offer:

  • No foreign transaction fees.
  • Strong earnings and flexible redemption for points or miles.
  • Travel perks for cardholders.

Best airline credit cards
Best hotel credit cards

Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1 points
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2 points
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 60,000 points after spending $5,000 in the first 3 months
1 points
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.
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Earn 60,000 miles after spending $5,000 in the first 90 days
2 miles
17.74%, 21.74% or 24.74% variable
$89
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee
Earn 25,000 points after spending $1,000 in the first 90 days
1.5 points
16.74% to 24.74% variable
$0
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Compare up to 4 providers


Best for premium travel: Platinum Card® from American Express

The Platinum Card® from American Express is designed for those who want to travel in style. It comes with a high annual fee, but you’ll earn the highest number of membership rewards points on travel purchases. Plus, you’ll get a number of benefits and perks that can make the card worth it if you travel often.

Back to top

Best for hotels: Venture® Rewards from Capital One®

If you’re looking for a travel card with a simple rewards structure, the Venture® Rewards from Capital One® could be a solid choice. You’ll earn unlimited miles on everything you buy, and for hotel accommodations booked through Venture’s Hotels.com website, you’ll earn up to 10% back in miles redemption value.

Back to top

Best for travel perks with no annual fee: PenFed Pathfinder Rewards American Express® Card

Getting the benefits and perks of a premium travel card without paying an annual fee may sound impossible, but it’s not — with the PenFed Pathfinder Rewards American Express® Card, you get all that and more.

You’ll earn points on both travel and everyday purchases, and you’ll earn even more if you’re a PenFed Honors Advantage member. Plus, commuter transportation, taxis, Ubers, Lyfts, bus lines and tolls all count toward travel purchases, which can help you score even more rewards.

Back to top

Best for flexible redemption: Chase Sapphire Preferred® credit card

The Chase Sapphire Preferred® credit card could be a perfect card for travelers who often dine out. You’ll earn 2x points on dining and travel purchases, and you can transfer your points at a 1:1 ratio with Chase’s airline and hotel partners including United Airlines, JetBlue, Southwest Airlines, Marriott hotels, World of Hyatt and more.

And as a bonus, you’ll get 25% more redemption value for travel purchases made through the Chase Ultimate Rewards program. If you have another card with the program, you’ll get even more points to redeem.

Back to top

best no annual fee credit cards 2017

Best credit cards with no annual fees

A no-annual-fee credit card is a breath of fresh air. You can use it as much or as little as you want because it costs nothing to maintain it. Of course, you’re crossing your fingers for more than just a $0 annual fee — namely, extra perks you don’t have to pay for.

Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
$0
14.74%, 18.74% or 24.74% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
$0
12.74%, 16.74% or 20.74% variable
An 18-month 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
$0
14.74%, 20.74% or 24.74% variable
Earn unlimited 1.5% cash back on every purchase, every day
$0
15.24% to 25.24% variable
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
$0
16.74% to 24.74% variable
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
$0
13.74% to 24.74% variable
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.

Compare up to 4 providers


Best for everyday rewards: Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® Card

If you want to earn the highest number of points on popular categories like gas, dining, travel and streaming services, the Wells Fargo Propel American Express® Card could be a great choice.

You also get a decent signup bonus, an intro APR period on purchases and balance transfers, cell phone protection and more — all without paying an annual fee.

Back to top

Best for travel: Bank of America® Travel Rewards credit card

Bank of America Travel Rewards Credit Card
Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card could be a great choice for those who want a simple travel rewards card. You’ll earn unlimited points on everything you buy — and if you have a Bank of America checking or savings account, you’ll get 10% more points. This bonus goes up to 75% if you’re a member of the Bank of America Preferred Rewards program.

In addition, you’ll get a long intro APR period on purchases, a generous signup bonus and pay no annual fee to own the card.

Back to top

Best for longest intro APR: U.S. Bank Visa® Platinum Card

For those who are stuck paying high interest on another card or plan on making a large purchase — the U.S. Bank Visa® Platinum Card could be an excellent choice.

You won’t get any cool perks and features that other cards offer, but you’ll get an incredibly long interest-free period to consolidate your finances. And you’ll get that without paying an annual fee.

Back to top

Best for cash back: Citi® Double Cash Card

The Citi® Double Cash Card has one of the highest cashback rates that you can get with a card without an annual fee. In addition, you’ll get one of the longest intro APR periods on balance transfers. This could be ideal if you want to consolidate your debt and transfer your balances from other accounts.

Back to top

low-interest-calculator-credit-card-icon

Best low-interest credit cards

If you plan on carrying a balance for a long time, you might want a card with a low interest rate. To that end, take a look at the Barclaycard Ring™ Mastercard® and Simmons Visa®. Neither card has an annual fee, and each offers a low interest rate.

Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
$0
13.74% variable
A low, variable APR on purchases, balance transfers and cash advances.
$0
10% variable
The Simmons Visa® offers multiple perks, including one of the lowest available APRs on the market.
$0
12% variable
Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Compare up to 4 providers


Best for intro APR on balance transfers: Barclaycard Ring™ Mastercard®

The Barclaycard Ring™ Mastercard® is a simple but solid credit card with low interest on purchases, balance transfers and cash advances. There’s no annual fee, and you won’t pay any foreign transaction fees. That’s pretty much it as far as features go — but that’s enough to make it an excellent low-interest card.

Back to top

Best signup bonus: PenFed Gold Visa® Card

The PenFed Gold Visa® Card can be a great choice for those looking for a low-APR credit card with a decent signup bonus. And that’s not the only perk that sets this card apart from the competition. You also get a long intro APR period on balance transfers, a low cash advance APR and no fees for cash advances, foreign transactions or owning the card.

Back to top

Best for lowest guaranteed APR: Simmons Visa®

If you’re looking for a simple card with a low APR on purchases, balance transfers and cash advances, the Simmons Visa® could be worth considering. You won’t get an intro APR period, but the APR you do get is one of the lowest out there. You also won’t pay any balance transfer fees, which can help if you’re looking to move large balances, or an annual fee to own the card.

Back to top

Best for earning rewards: Simmons Rewards Visa Signature®

The Simmons Rewards Visa Signature® can be a good choice for those looking to earn rewards on all of their purchases while saving on interest. You’ll get one of the lowest APRs on purchases, balance transfers and cash advances, and you won’t pay an annual fee to own the card.

Back to top

best 0 APR credit cards 2017

Best credit cards with 0% APR

Whether you’re looking for a long interest-free period, strong travel rewards or flexible cash back, there’s a 0% APR card for you.

Name Product Introductory Purchase APR Intro Purchase APR Period APR (Annual Percentage Rate) for Purchases
0%
18 months
12.74%, 16.74% or 20.74% variable
An 18-month 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
14.74%, 18.74% or 24.74% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
0%
15 months
14.74% to 25.74% variable
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
0%
15 months
14.74%, 20.74% or 24.74% variable
Earn unlimited 1.5% cash back on every purchase, every day
0%
12 months
14.74% to 24.74% variable
Lowest intro APR for 21 months plus VIP Access.
0%
12 statement closing dates
16.74% to 24.74% variable
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
0%
15 months
16.74% to 25.49% variable
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.

Compare up to 4 providers


Best for balance transfers: Amex EveryDay® Credit Card

The Amex EveryDay® Credit Card is a solid card that lets you make balance transfers without paying balance transfer fees. It also comes with rewards on all of your purchases and an easy-to-earn welcome offer — all without paying an annual fee.

Back to top

Best for longest intro APR on purchases: U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card is a simple card that doesn’t come with many perks and benefits. But what it does offer is one of the longest intro APR periods on purchases and balance transfers you can get. And you won’t pay an annual fee.

Back to top

Best for no late fees: Citi Simplicity® Card

If you’re looking for a card with minimal fees and a long intro APR period on purchases and balance transfers, the Citi Simplicity® Card may be just what you’re looking for.

Aside from the long intro APR period, you’ll pay no late payment fees and you won’t incur a penalty APR. You can also choose your own due date to get more flexibility in paying your balance.

Back to top

Best for unlimited cash back on all purchases: Quicksilver® from Capital One®

For those interested in utilizing a long intro APR period on purchases using a cashback card — the Quicksilver® from Capital One® may be worth a look. You’ll save money on interest and could earn a signup bonus — all while earning cash back in the process. And there’s no annual fee to offset the rewards you’ll earn.

Back to top

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.

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.

Name Product APR (Annual Percentage Rate) for Purchases Welcome Bonus Interest Free Period
13.99% fixed
Up to 25 days
Have little or poor credit? The primor® Secured Mastercard® Classic has no minimum credit score requirements and no processing or application fees to worry about.
9.99% fixed
Up to 25 days
Fast, easy application process. No processing or application fees!
19.14% variable
Up to 25 days
A secured Visa® credit card that helps you build your credit quickly.
20.24% variable
Up to 25 days
9.99% fixed
None
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
13.74% to 24.74% variable
Up to 25 days
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
24.99% variable
Up to 25 days
Take control and build your credit with responsible use.
13.74% variable
Up to 21 days
Created to help you establish or rebuild credit.

Compare up to 4 providers


Best for lowest APR: Green Dot primor® Mastercard® Gold Secured Credit Card

Green Dot primor® Mastercard® Gold Secured
Green Dot primor® Mastercard® Gold Secured Credit Card

The Green Dot primor® Mastercard® Gold Secured Credit Card can be a decent choice for those looking to build their credit while paying a low APR on purchases. With this card, you’ll get full control over your credit line, as that is the sum you deposit to an FDIC-insured account at Green Dot Bank.

However, the card has many fees. Make sure you read the fine print to avoid any surprises.

Back to top

Best for cash back: Discover it® Secured Credit Card

The Discover it® Secured Credit Card can be a great card if you’re trying to build your credit and earn cash back at the same time. And with responsible use, you’ll not only build your credit, but you could graduate to an unsecured card from Discover after eight months of account opening.

Back to top

No credit history needed: OpenSky® Secured Visa® Credit Card

If you’re having a poor credit or no credit history at all, the OpenSky® Secured Visa® Credit Card can be a good choice for you. They won’t pull your credit, so the chances are high that you’ll get approved. After that, you’ll make a security deposit that will act as your credit line, and you can start using your card responsibly to build your credit.

Back to top

Best for lowest deposit: Secured Mastercard® from Capital One®

The Secured Mastercard® from Capital One® could be a good choice for those who are looking to get a secured card with a minimum deposit. With responsible use of the card, you’ll get to build your credit, and after a few months of timely payments, you could get a higher credit line without depositing new funds.

Back to top

business credit card icon

Best business credit cards

As a business owner, your purchases keep your operation running. That’s when business credit cards come in handy. They reward you for spending on business-related expenses, and they often let you accrue points or miles on cards you open for employees.

Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
13.99%, 18.99% or 20.99% variable
0% for the first 9 months (then 13.99%, 18.99% or 20.99% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 13.99% - 20.99% variable.

Compare up to 4 providers


Best for luxurious travel: Business Platinum Card® from American Express

The Business Platinum Card® from American Express
Business Platinum Card® from American Express

For business owners who want to enjoy premium perks in their travel, the Business Platinum Card® from American Express could be an excellent choice. You’ll get complimentary access to more than 1,200 airport lounges worldwide, a 24/7 concierge services and a number of other useful perks and benefits.

You’ll also get to earn the highest number of points on amextravel.com booking, which you can redeem for cash back, gift cards, travel rewards and more.

Back to top

Best signup bonus: Ink Business Preferred℠ credit card

If you’re looking to get a business card with the highest signup bonus, then Chase Ink Business Preferred℠ credit card could be worth taking a look. The card can be a great option for earning rewards on a variety of spending categories. But to get the highest redemption value, you should use your points toward travel purchases through Chase Ultimate Rewards.

Back to top

Best for unlimited cash back: Capital One® Spark® Cash for Business

Businesses that spend more than $200,000 per year and businesses that don’t spend much money on any particular category, could use a card like the Capital One® Spark® Cash for Business. You’ll earn unlimited cash back on everything you buy, and with free employee cards, you’ll earn even more cash back.

Back to top

Best for low APR: SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express

If your business spends up to $50,000 annually on office supplies and on one of the selected categories, like gas, travel, dining and more — a card like the SimplyCash® Plus Business Credit Card from American Express could be a great choice. In addition to cashback rewards, you’ll get a short APR period on purchases and you’ll be able to buy above your credit line, all without paying an annual fee.

Back to top

best student credit cards 2018

Best student credit cards

A student credit card might be your first credit card. That said, it should whet your appetite for more powerful cards you’ll apply for later. Some cards are forgiving for mistakes you might make as a new cardholder; others aren’t so lenient but offer attractive rewards.

Name Product APR (Annual Percentage Rate) for Purchases Welcome Bonus Interest Free Period
20.49% variable
Up to 23 days
Designed for college students to build credit history and earn rewards.
14.74% to 23.74% variable
Up to 25 days
2% cash back on gas and dining. 1 on all other purchases.
14.99% to 24.99% variable
Earn 200 cash back after spending $500 in the first 90 days
Up to 25 days
Earn more cash back for the things you buy most.
24.98% variable
Up to 25 days
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
16.24% to 26.24% variable
Earn 2,500 points after spending $500 in the first 3 months
Up to 23 days
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.

Compare up to 4 providers


Best for intro APR on purchases: Citi ThankYou® Preferred Card for College Students

Citi ThankYou® Preferred Card for Students
Citi ThankYou® Preferred Card for College Students

The Citi ThankYou® Preferred Card for College Students can be a decent choice if you’re looking to establish your credit history and earn rewards in the process. You’ll also get an intro APR period on purchases, and you won’t pay an annual fee.

Back to top

Best for good grades: Discover it® Chrome for Students

If you’re looking for a decent secured card to help you build your credit and earn rewards while going to college — the Discover it® Chrome for Students could be a good choice. You’ll get to earn higher cash back on dining and gas, you’ll get a short intro APR period on purchases and you’ll get a reward every year for your good grades.

Back to top

Best for unlimited cash back: Journey® Student Credit Card from Capital One®

Journey® Student Credit Card from Capital One®
Journey® Student Credit Card from Capital One®

The Journey® Student Credit Card from Capital One® could be an ideal card for students who want to build their credit and earn the highest cash back on all purchases. But there’s a catch — you have to pay your balance on time every month. And that’s not bad; you’ll get to earn more cash back and you’ll build your credit. Now that’s an incentive.

Back to top

Best for international students in the US: Deserve® Edu Card

The Deserve® Edu Card doesn’t discriminate between domestic and foreign students — everyone is welcome to apply as long as they’re enrolled in a US university. The card can help you build your credit and you’ll earn cash back on all of your purchases.

Furthermore, you’ll find this card to be one of the rare secured cards that doesn’t require a security deposit.

Back to top

Your questions about the best credit cards, answered

Was this content helpful to you? No  Yes

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Back to top

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

2 Responses

  1. 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?

    • finder 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

Go to site