Credit Cards » Compare Credit Cards » The Best Credit Cards of 2021
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The Best Credit Cards of 2021

A lot of consumers naturally wonder which credit cards offer the best value for their money - here are The Smart Investor Select’s picks for the best credit cards of 2021

Some products that appear here are from companies from which this website receives compensation. This may impact how and where products appear on this site (including, for example, the order in which they appear). It doesn’t affect our editors’ opinions. our opinions are our own.

Credit cards may seem like just a small, thin, piece of plastic with numbers on it, but they are actually pretty powerful pieces of plastic. These cards allow cardholders access to borrowed money to pay for things.

The key here is that the borrowed money is repaid in the form of monthly payments.

Also, every time a purchase is made with a credit card, interest is accrued on the amount of money borrowed.

A good thing about credit cards is that when used properly, where monthly statements are paid on time, they can actually build up your good credit history. 

A good credit history is almost a necessity when it comes to purchasing homes, cars or large purchases.

However, if you go looking for the perfect credit card, the first thing you may find is that there seems to be an endless number of cards available. 

Each card also offers different perks, rates, and other terms which makes choosing one hard to do.

 We are here to help you do just that. We have compiled a list of the top credit cards on the market today.

Here are The Smart Investor Select’s picks for the best credit cards of 2021:

Discover It Cash Back

Discover It Cash Back review

On Discover Secure Website

Discover It Cash Back

Reward Details

5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum + 1% cash back on all other purchases
1-5% cash back

Current Offer

2x cash back with cashback match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Match Bonus for the first 12 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

0% Intro APR for 14 months on purchases and balance transfers.

APR

11.99% – 22.99%
  • Overview
  • Card Features
  • Pros & Cons

Discover It Cash Back was awarded the 2020 U.S. News Best Credit Card for the cashback rewards card. This card offers a very high rewards rate on some categories that rotate every few months. The card gives a 5% cashback on any purchase that is up to $1,500, which is spent each quarter on the rotating bonus category. Some of the categories include; restaurant, gas station, online shopping and many more each time you activate them. However, on all other purchases, excluding the ones in the category selected, you will only receive a 1% cashback.

This card is best for individuals who want to have a high reward rate on every purchase they made and also individuals who love a more straightforward rewards program.

  • Rewards Plan: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum + 1% cash back on all other purchases
  • APR: 11.99% – 22.99%
  • Annual fee: $0
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: 2x cash back with cashback match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
  • 0% APR Introductory Rate period: 0% Intro APR for 14 months on purchases and balance transfers.
  • 14 Month 0% Intro APR Period
  • Balance Transfer Fee
  • 5% Cash Back for Select Spending Categories
  • Matches Cash Back in the First 12 Months
  • No Annual Fee
  • Less Merchant Acceptance
  • No Sign-Up Bonus or 0% APR Introductory Rate
  • Limit on Cash Back Spending Per Quarter
  • Keeping Track of Bonus Categories

U.S. Bank Cash+ Visa Signature

U.S. Bank Cash+ Visa Signature Card

On US Bank Secure Website

U.S. Bank Cash+ Visa Signature

Reward Details

5% cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations, grocery stores or restaurants, 1% cash back on all other eligible purchases.
1-5% cash Back

Current Offer

75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
$200 rewards bonus

Credit Rating

Good – Excellent

Annual Fee

None

0% Intro

None

APR

13.99% – 23.99%
  • Overview
  • Card Features
  • Pros & Cons

U.S. Bank Cash+ Visa Signature Card is a Visa credit card issued through one of the largest US lending institutions, U.S. Bank.

With the U.S. Bank Cash+ Visa Signature Card you can earn 5% cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations, grocery stores or restaurants, 1% cash back on all other eligible purchases..

This card also has a generous sign-up bonus and an 12 months introductory 0% rate on balance transfers, and the card has no annual fee. U.S. Bank Cash+ Visa Signature card offers a $200 rewards bonus after you apply online and spend $500 in eligible purchases within the first 90 days of account opening.

  • APR: 13.99% - 23.99%
  • Annual fee: None
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 2-3%
  • Rewards Plan: 5% cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations, grocery stores or restaurants, 1% cash back on all other eligible purchases.
  • Sign Up bonus: $200 rewards bonus after you apply online and spend $500 in eligible purchases within the first 90 days of account opening.
  • 0% APR Introductory Rate period: None
  • Cashback Sign-Up Bonus
  • 5%,%2, %1 Cash Back
  • 0% APR Introductory Rate on Balance Transfers
  • No Minimums for Redemption
  • Choose Spending Categories
  • Visa Signature Card
  • Restriction on Cash Bonuses
  • 2%-3% Foreign Transaction Fee
  • Balance Transfer Fee
  • Opt in Every Quarter
  • 0% Introductory Rate Applies Only to Balance Transfers
  • Visa Signature Card

Amazon Prime Rewards Visa Signature

On Wells Fargo Secure Website

Amazon Prime Rewards Visa Signature

Reward Details

5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases.
1-5% cash back

Current Offer

Get a $100 Amazon Gift Card instantly upon credit card approval
$100 amazon gift

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

None

APR

14.24% – 22.24%
  • Overview
  • Card Features
  • Pros & Cons

This card offers an outstanding 6% cashback rewards for streaming services, and spending’s at the supermarkets, an amazing 3% rate on transit purchases and gas, making it a suitable choice for commuters and a 2.7 % fee on foreign transactions.

However, warehouse clubs and superstores are not included. The American Blue Cash Preferred Card charges an annual fee of $91, but you can justify this if you can spend $31 a week on groceries alone. This makes the card suitable for individuals that buy or purchase their groceries at traditional supermarkets. New cardmembers can earn up to $300 statement credit after making a purchase of $3000 or more within the first six months of being a member.

  • Rewards Plan: Earn 6% cash back at U.S. supermarkets and selected U.S. streaming subscriptions, 3% cash back on transit and gas stations, 1% cash back on other purchases
  • APR: 13.99% - 23.99%
  • Annual Fee: $95
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 2.70%
  • Sign Up bonus: $300 back in the form of a statement credit after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership.
  • 0% APR Introductory Rate Months: 12 months
  • Sign-up cash back bonus: $250
  • $250 Cash Back Sign-Up Bonus
  • 6% Cash Back at Supermarkets, 3% at Gas Stations
  • 3% at Selected Department Stores, 1% on All Other Purchases
  • 0% APR on Balance Transfers and Purchases in the First 12 Months
  • Redeeming Options
  • Extended Warranty on Purchases
  • $95 Annual Fee
  • High APR
  • Short Introductory Rates
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • Minimum Redemption Amounts
  • Not as Widely Accepted as Other Cards

Chase Sapphire Preferred

Chase Sapphire Preferred review
On Chase Secure Website

Chase Sapphire Preferred

Reward Details

2X on travel and dining at restaurants and 2X points on grocery store purchases (till April 30, 2021 and up to $1,000 in grocery store purchases per month ), 1 point per dollar spent on all other purchases
Up to 2X points for every $1 you spend

Current Offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
60,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

15.99% – 22.99%
  • Overview
  • Card Features
  • Pros & Cons

The Chase Sapphire Preferred card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards.

This card is on our top spot in regards to the best traveling and dining cards as they offer you 2X more points compared to other cards. In addition, Chase Bank offers a 25% point’s bonus, whenever you redeem the points for travel.

The card offers a sign-up bonus of 60,000 points when you spend more than $4,000 on any purchases in the first 90 days. This is equivalent to $750 in travel costs when you redeem your travel rewards.You shall also earn 2x points while traveling and dining at a variety of restaurants around the world and one point on the dollar on any other purchases.

  • Rewards Plan: 2X on travel and dining at restaurants and 2X points on grocery store purchases (till April 30, 2021 and up to $1,000 in grocery store purchases per month ), 1 point per dollar spent on all other purchases
  • APR: 15.99% – 22.99%
  • Annual fee: $95
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: None
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: None
  • 60,000 Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • High APR
  • No Introductory 0% on APR Balance Transfer
  • 5% Balance Transfer Fee

Citi Double Cash

Citi Double Cash Credit Card Review
On Citi Secure Website

Citi Double Cash

Reward Details

Earn cash back twice on every purchase with unlimited 1% cash back when you buy + 1% as you pay for those purchases.
Up to 2X points for every $1 you spend

Current Offer

None
60,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

18-month

APR

13.99% – 23.99% 
  • Overview
  • Card Features
  • Pros & Cons

Looking for a credit card issuer that offers an unrivaled flat-rate cash back rewards on all your purchases with no annual fee and a straightforward reward structure, then look nowhere else; Citi Double Cash is the best for you. You can get up to 1% cashback when you use the card plus an additional 1% whenever you make a payment. The flexible redemption options of this card make it a potentially lucrative option for its users. Some of the benefits you can get from using this card include an outstanding cashback on unlimited purchases and generous intro APR on balance transfers. However, this card does not provide a one-time offer.

Citi ranked 6th out of 11 card issuers with a score of 799, according to the 2019 J.D. Power Credit Card Customer Satisfaction Study.

  • Rewards Plan: Earn cash back twice on every purchase with unlimited 1% cash back when you buy + 1% as you pay for those purchases.
  • APR: 13.99% - 23.99% 
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: 18 months
  • Simple and Generous Rewards System
  • Competitive Balance-Transfer Policy
  • Fee Waiver on First Late Payment
  • No Annual Fee
  • No Sign-Up Bonus
  • No Intro 0% APR on Purchases
  • Balance Transfer Fee
  • Foreign Transaction Fee

Wells Fargo Propel American Express

Wells Fargo Propel American Express Card review

On Wells Fargo Secure Website

Wells Fargo Propel American Express

Reward Details

Earn 3 points per $1 spent on selected gas stations, rideshares, transit, Flights, hotels, homestays, car rentals and popular streaming services. 1 point per $1 spent on other purchases
Up to 3 points for every $1 you spend

Current Offer

20,000 bonus points when you spend $1,000 in purchases in the first 3 months
20,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months

APR

14.49% – 24.99%
  • Overview
  • Card Features
  • Pros & Cons

The Wells Fargo Propel card does not charge any annual fee and stands out by it offers. For example, in the popular spending category, including restaurants, travel, gas and some very popular streaming services, the Well Fargo Propel American Express gives a 3 point dollar, making it outstanding. They also offer a decent bonus for a card with no annual fee and an introductory 0% APR with a cash bonus.

For individuals who do not have any insurance on their cell phone, this card may be the best for them because it extends a $600 coverage on your cell phone, only if you pay your cell phone bill with the Well Fargo. Wells Fargo ranked 9th out of 12 companies that issue cards with a score of 783 according to the J.D. Power Credit Card Customer Satisfaction Survey in 2019.

  • Rewards Plan: Earn 3 points per $1 spent on selected gas stations, rideshares, transit, Flights, hotels, homestays, car rentals and popular streaming services. 1 point per $1 spent on other purchases
  • APR: 14.49% - 24.99%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: None
  • Sign Up bonus: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
  • 0% APR Introductory Rate period: 0% introductory APR on purchases and balance transfers for the first 15 months
  • 20,000 Points Sign-Up Bonus
  • Higher Points on Certain Categories Including Streaming Services
  • No Foreign Transaction Fee
  • Points on All Other Categories
  • No Annual Fee
  • 0% APR on Balance Transfers and Purchases
  • Minimum Redemption Amounts
  • Longer Introductory Rates
  • Not as Widely Accepted as Others
  • Balance Transfer Fee
  • High APR

HSBC Cash Rewards Mastercard

HSBC Cash Rewards Mastercard_registered_ credit card review

On HSBC Secure Website

HSBC Cash Rewards Mastercard

Reward Details

Unliimited 1.5 cash rewards on every $1 you spend
Unliimited 1.5 cash rewards on every $1 you spend

Current Offer

3% intro cash back on all purchases in the first 12 months from Account opening, up to the first $10,000
3% intro cash back on all purchases in the first 12 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 months

APR

13.99% – 23.99%
  • Overview
  • Card Features
  • Pros & Cons

HSBC Cash Rewards Mastercard is a straight forward cash back rewards card for those looking simplify their rewards. This Mastercard is offered though HSBC which a larger multinational bank based out of Britain.

This card has a generous 3% cash back on all spending in the first year and a competitive 1.50% cash back on all other spendings. Also, the HSBC Cash Rewards does not have an annual fee.

One of the top notch benefits is the 0% Introductory APR on purchases and balance transfers for the first 12 months months from Account opening. The ongoing APR for the HSBC Cash Rewards Mastercard is a 13.99% – 23.99%. 

  • APR: 13.99% - 23.99%
  • Annual fee: $0
  • Balance Transfer Fee: $10 or 4%
  • Foreign Transaction Fee: None
  • Rewards Plan: Unliimited 1.5 cash rewards on every $1 you spend
  • Sign Up bonus: 3% intro cash back on all purchases in the first 12 months from Account opening, up to the first $10,000
  • 0% APR Introductory Rate period: 0% introductory APR on purchases and balance transfers for the first 12 months
  • Introductory Bonus
  • Cashback on Purchases
  • No Annual Fee
  • 0% APR Introductory Rate on Balance Transfers and Purchases
  • Anniversary Bonus
  • No Foreign Transaction Fee
  • Balance Transfer Fee
  • Cap on Rewards
  • Redemption Minimum
  • Longer Introductory Rates, Better Pure Cashback Cards
  • High APR

Capital One Savor Rewards

Capital One Savor Card Review

On Capital one Secure Website

Capital One Savor Rewards

Reward Details

Unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Unlimited 1-4% cash back

Current Offer

$300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
$300

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

15.99% – 24.99%
  • Overview
  • Card Features
  • Pros & Cons

The Capital One credit card is the Savor card, which offers an increased 4% rate on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.

In addition, there is a significant sign up bonus of one-time $300 if you spend $3,000 in first 3 months cash bonus once you spend $3,000 on purchases within 3 months, as well as $0 intro fee for the first year and no foreign transaction fee.

However, if you don’t spend enough on these types of activities then you won’t get ahead much on the rewards due to the annual $95 fee. 

  • Rewards Plan: Unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • APR: 15.99% - 24.99%
  • Annual fee: $95
  • Balance Transfer Fee: 3% 
  • Foreign Transaction Fee: None
  • Sign Up bonus: $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • 0% APR Introductory Rate period: None
  • $300 Sign Up Bonus
  • Unlimited 4% Cash Back
  • No Rotating Categories
  • $95 Annual Fee
  • Approval Can Be Strict

How to Choose the Best Credit Card

What Is The Best Credit Card Overall?

A lot of consumers naturally wonder which credit cards offer the best value for their money, and which credit cards can best help them manage their finances and plan for the future.

It would be incredible if there were a single credit card that could help everyone manage their finances, with ideal benefits for every situation.

There’s just one problem, no perfect credit card exists for every situation.

Credit cards are designed for different kinds of situations. That means that there probably is a good credit card for you, no matter your situation, but that the best credit card for you isn’t going to be the same and the best credit card for someone else.

Here are some things to consider when you’re choosing a credit card.

  • Why do you want a credit card? Are you looking for a way to manage monthly bills? Do you need to build credit? Are you a college student looking to learn to manage your own finances and build a credit history? Are you a frequent traveler looking for a credit card that can make travel more affordable?
  • What’s your current credit score? The best credit card for you might be influenced by your credit score. The better your credit the more likely you are to qualify for cards with better rewards programs and additional bonuses for cardholders.
  • Do you have a family? If you have family members, especially kids, you might need a different kind of credit card than if you’re single or looking for a business-use card. Getting a card that offers benefits on groceries, home supplies, and other items can make your family expenses much more affordable.

With so many options on the market, credit cards offer more than just a convenient way to make purchases. With cash back, rewards and other incentives, it was considered commonplace to have multiple cards. However, in this chart using Shiftprocessing data, we can see that the average number of cards per person in the US has dropped from 3.7 in 2009 to 2.7 in 2019.

This shift could be due to the more competitive credit card industry, where card issuers are offering even more incentives to retain their customers. On the other hand, it could also be a result of consumers using other types of finance rather than relying on credit cards.

Number of Cards per person (USA)

There are a lot of other questions when you’re looking for a good credit card, including what kind of rewards program you want to get and whether you’re a high or low spender, but those three questions will help you narrow down the best options for you.

Now that we’ve talked a little about how to choose the best credit card for you let’s look at some of the best credit card options right now.

Best Store Cards To Build Credit With

Store credit cards are a great way to start building credit without a lot of risks since store credit cards tend to have a lower credit limit than other kinds of credit cards. Plus, since these cards often come with discounts at your favorite retailers, they can also help to lower your cost of living.

1. Capital One® Walmart Rewards® Mastercard®

This card is a great option for most college students and families since Walmart offers such a wide selection. This card gives you a fairly good discount on Walmart purchases, including 5% cashback on all online orders as 2% cashback in-store.

This is also a store card that you can use for other kinds of purchases as well. It’s accepted anywhere Mastercard is accepted and offers 1% cashback on non-Walmart purchases.

The introductory 5% cashback in Walmart stores for the first 12 months can also be a great way to use your card a little more often, build your credit, and get good cashback rates as well. That makes this a good card for people who haven't had a credit card before, since it will help incentivize you to use the card and monitor its credit limit and payments.

2. Amazon Prime Store Card

The Amazon Prime Store Card requires you to have an Amazon Prime account, but it's a good option for college students and most consumers. Families will benefit from the cashback offers on the card in addition to the other products and services that come with prime, but it’s also a great option for travelers, big and small spenders, and almost everyone else.

That’s because this card offers 5% cashback on all Amazon purchases (with a Prime account). That’s a powerful reward when you consider that Amazon offers such a wide variety of products, increasingly faster shipping services, and has several other services attached to Prime membership.

This card also gives you occasional bonus rewards between 5-15% of purchase value on some promotional items. That means that the Amazon Prime Store Card is one of the highest rewards store cards currently available.

Best Free Credit Cards

Free credit cards don’t have an annual fee, are usually relatively easy to qualify for, and have limited fees associated with card ownership. They aren’t truly free, you can still be fined if you miss a payment or go over your spending limit, but they are significantly more affordable than other alternatives.

1. American Express Blue Cash Everyday

This is a great card for families thanks to its higher cashback rates on essentials like groceries (3% cashback for the first $6,000 in annual purchases). It’s also a good alternative to the Amazon Prime Store Card if you’re a frequent Amazon user thanks to an introductory offer that gives you 20% cashback on Amazon Purchases, up to $200 back.

It’s a reasonable option for single people who are looking for a moderate rewards program but who can’t afford the annual fees of a better rewards card.

2. Wells Fargo Cash Wise

This is a good credit card for first-time credit cardholders who are already out of college. Its features are designed to give you a good set of rewards and benefits, with the lower cost and lower risk of a card designed for building your credit score and credit habits.

These cards are typically easier to get if you already do at least some of your banking with Wells Fargo, however, it is available for new customers.

This card is a great option if you want a simple card that offers consistent rewards no matter what you’re using. It comes with unlimited 1.5% cash rewards on all purchases, except for purchases made on Google Pay or Apple Pay digital wallet, which get 1.8% unlimited rewards.

Best Rewards Cards For Students

College students should consider starting to build their credit early, if possible. These cards offer solid rewards programs but are designed for college students. That typically means lower limits and interest rates, but reasonable rewards.

1. Deserve® EDU Mastercard for Students

The Deserve EDU credit card is designed for people with good to excellent credit, but since it’s a student card they also accept applicants with limited credit history. That’s different from bad credit history, even though your actual credit score may be similar.

This card is also a good option for international students since you don’t have to provide your social security number to qualify.

It’s also got a really simple rewards system; you get a flat 1% cashback on all purchases. Mastercard isn’t quite as widely accepted as Visa though, so you may not be able to use this card with all retailers.

2. Journey Student Rewards from Capital One

This is another good option for students since it doesn’t require a lot of credit history to qualify. Like the Deserve Mastercard, this card offers 1% cashback on all purchases.

This card is also fantastic for helping students develop good credit habits since they boost your rewards when you make credit payments on time.

This card also knows what students like and provides a $5 credit every month you subscribe to a streaming service with the credit card, with some exclusions.

Best Cards With No Annual Fee And Everyday Discount

Avoiding annual fees can be a good way to make sure you’re getting your money’s worth from your credit card, especially if you choose a credit card that discounts or rewards everyday purchases. These credit cards are a good option for lowering your living expenses slightly and are very affordable.

1. HSBC Cash Rewards

The HSBC cash rewards card is a good option if you want to get cashback on all your purchases. It’s easy to manage and very affordable. No annual fees work well with the guaranteed 1% cashback. This is also a good card to sign up for if you know that you have a high-spending year coming up because of the introductory 3% cashback offer.

This card is good for most consumers since it helps you make the most of your money no matter what you’re purchasing.

Low APR also means that this is one of the more affordable credit cards of its type.

It’s also a good option for travelers since the card comes with some basic travel benefits. However, it’s not as good of a travel card as a card that specializes in cards.

2. Capital One Quicksilver Cash Rewards Credit Card

This card is another option that’s affordable, practical, and incredibly easy to manage. The cashback rate is another flat-rate unlimited cashback offer, 1.5% cashback on every purchase.

The real advantage of this card is that you can redeem rewards in a variety of ways. The card’s reward system also works with PayPal, which means you have the option o directly paying for things online with your cashback rewards as well.

Best Secured Cards With No Annual Fee

Secured credit cards require a deposit, but they make credit cards much more accessible to people with less than perfect credit. These offers are attractive whether you have a bad credit history and want to rebuild, don't have much credit history, to begin with, or just can’t quite qualify for a non-secured card.

1. Secured Mastercard® from Capital One

This card has a variable deposit depending on your credit history and the limit on the card. But that also means that people with almost any credit history can qualify for this card so long as you can afford the deposit on the card.

This card is also fairly widely accepted in the U.S., you can use it anywhere Mastercard is accepted.

Since it’s a card from Capital One it’s also a great option if you want to rebuild your credit before applying for a different Capital One credit card. Once you’ve established yourself as a reliable cardholder with a good payment history you’re much more likely to qualify for one of their other cards.

2. Chime Credit Builder

Chime is something a little different in a credit card. It’s a card that connects to the Chime app, which means that you get a lot of access to your account details. It’s one of the better options for younger users who are used to accessing everything digitally.

Since this card is a Visa, it’s a great option to help build your credit up faster because it’s accepted at most retailers. You may even be able to use this card internationally if you travel.

There is no credit check required to apply for this credit card. However, you will need to have a linked Chime Spending Account to use this credit card.

All in all, though, this is a fantastic secured credit card for younger and technically savvy users.

Best Secured Cards With Rewards

Secured credit cards don’t have to be limited, and they can still be wonderfully accessible. Getting some rewards on your secured credit card can help you make sure you’re getting the full benefit from your credit card.

1. Discover it® Secured

The Discover it® Secured is exactly the card most people think of when they want an accessible secured credit card. This card helps build your credit history and is reported to all three major credit history companies, it’s a great way to get on the fast track to credit recovery.

This credit card also comes with a serious bonus: the deposit on the card is refundable. If you close the account with a good credit history or prove that you're a trustworthy cardholder, you'll be able to get some or all of your initial deposit back.

It’s also a good option because this card offers solid rewards, 2% cashback.

This is a good option for anyone who is looking to maximize their income while also rebuilding credit.

2. Navy Federal Credit Union nRewards® Secured Credit Card

This secured card is a little different because it’s a good option for cardholders who need to establish their credit as well as people who need to rebuild their credit.

This credit union isn’t a major bank, so you’ll need to check on location availability before you sign up for a card with them. That said, this is a large credit union, so it’s a lot more accessible than more regionally limited options.

Low APR and very few fees make this an incredibly fiscally responsible secured credit card, which means it’s a great way to rebuild your credit and get a good score faster.

credit cards Average APR per Category

Best Cash Advance Credit Cards

Getting a cash advance on your credit card is one way to pay for cash deals even if you don’t have the cash on hand immediately. On the other hand, if you withdraw a cash advance on a credit card that isn’t designed for it you’ll likely get handed a hefty fee.

1. Capital One SavorOne Cash Rewards Credit Card

The SavorOne card has relatively low fees for cash advances, but a slightly higher APR for a cash advance. It’s still a good deal compared to most credit cards, which means it’s a lot more affordable.

In addition to being a good credit card for getting a cash advance, this card is also a good option for foodies and fine dining lovers thanks to a relatively high dining cashback rate.

2. PenFed Platinum Rewards Visa

This card is another rarity when it comes to cash advances. It has a reasonable APR, 17.99%, and no cash advance fees. So you’re only going to pay for the cash you pull out, and you can avoid almost all of the cost of your cash advance if you pay back the full amount before it can accrue interest.

This is a good option for people who need cash available regularly, but who want a more consistent credit card.

This card is also a good option if you’re looking for a card that can do balance transfers.

Best Cashback Cards With No Annual Fee

Cashback cards help you make the most of your income, and cashback cards without annual fees even more so. These cards are great for moderate spenders who won’t get the full benefit of cards with annual fees, but who have good credit and use their credit cards moderately often.

1. Chase Freedom Unlimited

This card gives you a fairly generous cash back offer on all purchases at 1.5%. You also get bonus cashback on travel (5%) and dining and groceries (3%). This is really a good card for people who want to maximize their rewards for the lowest possible cost.

The Chase Freedom card is generally easier to get for members of Chase bank, but it’s available to anyone with qualifying credit.

Since this card offers generous rewards, it does require relatively good credit, very good to excellent is best.

2. Bank of America® Cash Rewards credit card

Bank of America cash rewards card is a good option for people who want a little more customization in their finances. It can be a great card for families if you choose the right cashback benefits. It can also be a great traveling card, a good card for recent college graduates, blue-collar professionals, and everything in between.

The card does require fairly good credit, so it’s generally not a food option for a first credit card unless you’ve already got other credit-building accounts like a mortgage and utility payments.

No annual fee and a 0% introductory APR are both good reasons to consider opening a Bank Of America Cash Rewards card.

For many consumers a lack of annual fee is an attractive feature of any credit card. Lenders have recognized this trend and today the majority of cards do not have an annual fee. However, savvy consumers want more from their credit card. In this chart created with US news data, you can see the percentage of no annual fee cards by card type.

The most obvious category is student cards, with 100% of cards not attracting an annual fee. This stands to reason as lenders typically want to attract students who will need to develop financial relationships that could last a lifetime. However, over 75% of balance transfer, cash back and low APR cards also don’t have an annual fee.

At the other end of the scale, you can see that travel cards that typically offer some excellent benefits are more likely to have an annual fee. Secured cards, which are usually offered for consumers with a low credit score or no credit history are also more likely to have an annual fee.

percentage of credit Cards with no Annual Fee by Card Type

Best Cashback Cards With 0% Intro

0% introductory offers are a good way to save money and make sure you're getting the most from your income. Of course, these offers are only temporary, so you don't want to run up a huge balance or you’ll end up paying interest later on.

1. Citi Double Cash

This card is a good option if you’re looking for an attractive introductory rate on a card that also has solid benefits and rewards for cardholders.

Citi has offered an especially long introductory offer on this card. You’ll have 0% APR for a full 18 months. That’s a year and a half when most companies are only offering 12-15 months.

The Citi Double Cash card also accepts balance transfers in the first 4 months you have the account.

Overall this is a very flexible offer and a card that works well in a variety of circumstances.

2. Wells Fargo Cash Wise Visa® card

Wells Fargo has a variety of good card offers, but this is one of the most appealing of an introductory offer. This card gives you 0% APR for the first 15 months. That’s a good offer overall and makes it easier to open an account with Wells Fargo even if you don’t already have one.

This card comes with a flat 1.5% cashback on all purchases, and 1.8% when you’re using Google or Apple Pay.

That makes this a good card for most users, and especially for consumers who prefer digital purchases and are relatively tech-savvy.

This card is best for moderate to high spenders since it's cashback offer works best if you're making purchases regularly. The main side benefit of this card is that Wells Fargo makes tracking your account, credit score, and other financial information incredibly easy to do.

Best Cashback Cards for Families

If you have a family you know how important every dollar can be, whether you're saving for presents, a family vacation, a treat for dinner, or expensive lessons and after-school clubs.

These cards give you cashback where it matters most and help families stretch their income to go further and do more.

1. American Express Everyday

American Express Everyday is a point rewards card that lets you earn 2x the points at grocery stores. That can be critical for families since you’ll be able to earn your rewards that much faster.

This card is also a good option for families that go to a lot of different stores or that need to be able to make a lot of small purchases in a month. That’s because this card offers 20% extra points anytime you use the card for 20 or more purchases in a month.

American Express cards are also starting to get wider acceptance and are currently accepted at 99% of all U.S. retailers. That mean you won’t have to worry about getting turned down at specialty shops as your kids start to develop their own hobbies.

2. Blue Cash Preferred® Card from American Express

This might be the best card option for families with teenage boys since it helps the most with grocery bills. It's 6% cashback offer on supermarket purchases is matched by its 6% cashback offer on subscription services. That means that you'll be able to keep your family well-fed and entertained at the same time.

3% cashback on travel and gas costs can also make it easier to afford family trips, busy weekend schedules, and traveling club activities.

This card is really a good option that really covers all aspects of a family’s expenses.

Best Airline Cards With No Annual Fee

Airline credit cards often offer some of the best travel benefits, especially for people who often fly with the airline offering the card. These are great for business people and frequent travelers since you need to fly a few times a year to get your money’s worth from this card.

1. Delta SkyMiles

The Delta SkyMiles line of cards is actually three different American Express cards. That’s great because it lets consumers choose the credit card that best fits their travel habits and spending. The more often you travel the more premium a travel card you’ll likely want to get.

Better yet, the card has it’s own matching system depending on how often you fly with Delta, which cabin you prefer to fly in, and other factors like your current credit rating. That matching system is great for making sure you get the right card for you.

That said, the most premium version of this card does have an annual fee after the first year, so it’s likely only worth the cost for incredibly frequent flyers.

2. American Airlines AAdvantage MileUp℠ Card

American Airlines AAdvantage is a Mastercard, which means it has wide acceptance inside of the United States but isn’t very commonly accepted internationally.

However, this card helps balance that limitation by offering bonus miles on a lot of different kinds of purchases, including everyday purchases like groceries. American Airlines tickets also earn more points, and you’ll get a 25% discount on purchases onboard American Airlines flights.

This card is great for people who want to save up miles for a big trip as well since there are no limits on the number of miles you can earn while you have the account.

Best Electronic Store Cards

As more and more things run off electricity and the internet it’s gotten more and more important to get your electronic devices at a good price. Having an electronics store credit card is one great way to get discounts on electronic items. These cards are especially good for people working in technical fields, who love gaming, or who need high-end computers and electronic devices for any reason.

1. Best Buy® Card

Best Buy is one of the most ubiquitous electronics stores out there, and it’s a good all-purpose electronics store. You can buy everything from computers to gaming consoles to TVs, along with all the accessories here.

This card is a good option for college students, college graduates, families, and anyone working in tech.

Best Buy's store card gives you 5% cashback, 6% for premium members, on all in-store purchases. The card also gives you access to more flexible financing for large purchases, which can help you get high-end equipment sooner.

This card is also a Visa, so you can use it for more limited cashback in other stores and other retailers.

2. Newegg Credit Card

Newegg might have other kinds of electronics in their store, but they really specialize in high-end computers and computer components. These are great for the tech-savvy and anyone who needs the best in their computer, or who likes to use a custom computer rig.

This card has no annual fees and is a relatively low-cost option. Cardholders get access to sales and promotions alerts, no interest payments for the first 6 months on most purchases, and exclusive offers only for cardholders.

While you won’t get cashback directly on this card, you’ll be able to save money on purchases thanks to the incredible deals only given to cardholders.

Best Credit Cards For High Spenders

High spenders need something a little different from their credit cards. Getting a card that’s designed for higher spenders is a great way to maximize your funds and having one of these cards can give you additional incentive to run charges through your credit card instead of a debit card.

Plus, these cards can help you develop excellent credit that much faster.

1. Chase Sapphire Preferred® Card

Like most credit cards for high spenders, you'll need to spend more on these cards to get the rewards, but the rewards are better than other cards.

This card offers 2x points on worldwide dining, grocery purchases, and travel.

You might not earn as many more points on this card as you would expect, but that’s because Chase’s Sapphire Preferred points are worth twice as much as the industry average. Since your points are worth more you’ll be able to cash in for more valuable rewards that much faster.

2. The Platinum Card® from American Express

This card is really all about maximizing your points on everyday expenses, which can make it a good choice for high spending families. You’ll get 10x points on all purchases at U.S. grocery stores and gas stations.

It also comes with bonus point when you spend at least $5,000 in the first 6 months with the card.

It’s also a good option for frequent travelers thanks to 5x points on travel expenses.

What Are The Best Credit Cards For A 700 Credit Score?

700 credit score is something to be proud of. It’s not excellent, there’s certainly room for improvement there, but it can be hard to maintain good credit at times. These cards are only available to consumers with good credit, and they can be a great way to make the most of your finances while also helping your credit get even better.

1. Costco Credit Card

Costco credit cards are exclusively available to Costco members, but they are a good investment if you have a Costco membership.

This card comes with 2% cashback on Costco purchases, both in-store and online. It also comes with 4% cashback on eligible gas purchases. There are some limits on cashback rates, but not on how much cashback you can earn.

Fortunately, this card doesn't have an annual fee other than the cost of maintaining your Costco membership.

2. BankAmericard® Credit Card

This card offers reasonable terms with relatively low APR, letting you keep more of your money and spend less on interest. These cards are great for people with good credit who are looking to develop great credit.

The card has no penalty APR, no annual fees, and 0% APR for the first 12 months you have the card.

The real advantage of this card is that it's a very secure and very monitorable card. That makes it a good choice for people who are concerned about identity theft, or who have already had identity theft affect their finances.

Overdraft protection and mobile banking make this a good credit card for learning good credit card habits. However, there really isn't much of a rewards program on this credit card, so its low-cost fee structure is the main reward of card membership.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.