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BEST CREDIT CARDS OF NOVEMBER 2024

Our top credit cards list recognizes the most exceptional cards on the market,
as determined by both our expert editors and real cardholders. Each year, our
team meticulously evaluates cards across various categories, crowning a winner
for each. To ensure a well-rounded assessment, we’ve also conducted extensive
surveys with hundreds of cardholders, providing valuable insights into their
experiences. … View More

While our editors and cardholders often align in their choices, there are
instances where their preferences diverge. This reflects the diverse needs and
preferences of cardholders, underscoring the importance of personalized
selection. While cardholder feedback is a crucial factor, our editors also
consider other key metrics to ensure the best credit cards are represented. Read
our methodology. View Less

Jennifer Doss Last Updated: November 26, 2024
Terms apply; see the online credit card application for full terms and
conditions of offers and rewards.

Learn about our methodology  


LIST OF WINNERS

 * Citi Double Cash® Card – Best for Flat-Rate Cash Back
 * Bank of America® Customized Cash Rewards credit card – Best Cash Back Card
   with Rotating/Tiered Reward Categories
 * Chase Sapphire Preferred® Card – Best for General Travel Rewards
 * Capital One Venture X Rewards Credit Card – Best for Premium Travel Rewards
 * American Express® Gold Card – Best for Dining Out and Delivery
 * Blue Cash Preferred® Card from American Express – Best for Groceries
 * Citi Custom Cash® Card – Best for Gas Purchases
 * Ink Business Preferred® Credit Card – Best Small Business Card
 * Citi® Diamond Preferred® Card – Best Balance Transfer Offer
 * The Platinum Card® from American Express – Best for Luxury Perks
 * Capital One Quicksilver Student Cash Rewards Credit Card – Best Student
   Credit Card
 * Discover it® Secured Credit Card – Best Card for Building Credit/Low Credit
   Scores

 

 
 * All
 * Best card for flat-rate cash back
 * Best cash back card with rotating/tiered categories
 * Best for general travel rewards
 * Best for premium travel rewards
 * Best card for dining out and delivery
 * Best card for groceries
 * Best for gas purchases
 * Best small business card
 * Best balance transfer offer
 * Best card for luxury perks
 * Best student credit card
 * Best card for building credit/low credit scores

 
Filters
Filters
X
Reset
Credit Score Excellent Credit Good Credit Fair Credit New to Credit
Rebuilding/Limited Credit ScoreExcellent Credit
Good Credit
Fair Credit
New to Credit
Rebuilding/Limited

Annual Fee Yes No Annual FeeYes
No

Rewards Type Cash Back Travel Rewards Points Miles Rewards Type Cash Back
Travel Rewards
Points
Miles

Rewards Currency Ultimate Rewards Membership Rewards ThankYou Points Capital One
Miles Rewards CurrencyUltimate Rewards
Membership Rewards
ThankYou Points
Capital One Miles

Foreign Transaction Fee Yes No Foreign Transaction FeeYes
No

Intro 0% Offer On Purchases On Balance Transfers On Purchases and Balance
Transfers Intro 0% OfferOn Purchases
On Balance Transfers
On Purchases and Balance Transfers

Max three cards allowed to compare. Please close at least one card to compare
other options.
Select Cards Citi Double Cash® Card(This card is not currently available on
CardRatings)Bank of America® Customized Cash Rewards credit card(This card is
not currently available on CardRatings)Chase Sapphire Preferred® Card(This card
is not currently available on CardRatings)Capital One Venture X Rewards Credit
CardAmerican Express® Gold CardBlue Cash Preferred® Card from American
ExpressCiti Custom Cash® Card(This card is not currently available on
CardRatings)Ink Business Preferred® Credit Card(This card is not currently
available on CardRatings)Citi® Diamond Preferred® Card(This card is not
currently available on CardRatings)The Platinum Card® from American
ExpressCapital One Quicksilver Student Cash Rewards Credit CardDiscover it®
Secured Credit Card
Clear All
Best card for flat-rate cash back


CITI DOUBLE CASH® CARD (THIS CARD IS NOT CURRENTLY AVAILABLE ON CARDRATINGS)

Add to compare

5.0 5
 

3% $0
Why We Like It: This no-annual-fee card is a simple card to earn rewards with,
and it encourages responsible financial habits to boot! Cardholders earn rewards
both when making a purchase as well as when paying for those purchases on time.
Citi is a CardRatings advertiser.

Read our full Citi Double Cash® Card review.

Welcome Bonus
$200 cash rewards ⓘ$200 cash rewards bonus after you spend $1,500 on purchases
within the first 6 months
Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Credit Score
Excellent, Good, Fair
Card Details

The Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first
six months of account opening.

Rewards Rate: Earn 2% on every purchase with unlimited 1% cash back when you
buy, and an additional 1% as you pay for those purchases. To earn cash back, pay
at least the minimum due on time.

Intro APR Offer: Take advantage of an 18-month, zero interest offer on balance
transfers.

Balance Transfer Fee: There is an intro balance transfer fee of 3% of each
transfer (minimum $5) completed within the first 4 months of account opening.
After that, your fee will be 5% of each transfer (minimum $5)

Ongoing APR: 18.49% - 28.49% (Variable)

Annual Fee: $0

Foreign Transaction Fees: 3%

Credit Needed: Excellent, Good, Fair

Editor's Take

PROS:

 * Some balance transfer credit cards don't offer ongoing rewards, so earning
   cash rewards on purchases, and no annual fee, is a great offering.
 * Similarly, a 0% intro period on eligible balance transfers is generally the
   "bonus" with balance transfer credit cards. This card, however, takes things
   a step further with a cash rewards bonus for new cardholders.

CONS:

 * Savvy shoppers willing to employ a little more strategy might prefer cards
   with rotating bonus categories.

User Scores

Current Scores Past Scores Overall Score 77.2 84.7 Rewards Program Satisfaction
7.9 8.5 Customer Service 7.5 8.4 Website/App Usability 6.9 8.3 Likelihood of
Continuing to Use 8.2 8.8 Recommend to a Friend/Colleague 7.7 8.4

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more cash back cards
Best cash back card with rotating/tiered categories


BANK OF AMERICA® CUSTOMIZED CASH REWARDS CREDIT CARD (THIS CARD IS NOT CURRENTLY
AVAILABLE ON CARDRATINGS)

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5.0 5
 

3% $0
Why We Like It: Cardholders have the power here. You choose where you can earn
the most cash back from among a list of popular categories. That makes this an
incredibly flexible (and possibly lucrative!) card for a wide range of card
users.

Read our full Bank of America® Customized Cash Rewards credit card review.

Welcome Bonus
$200 online cash rewards ⓘ$200 online cash rewards bonus after spending at least
$1,000 on purchases within the first 90 days of account opening
Annual Fee
$0
Regular APR
See Terms
Credit Needed
Excellent/Good
Card Details

The Bonus: Earn a $200 online cash rewards bonus after you spend at least $1,000
on purchases on your new card within the first 90 days of account opening.

Ongoing APR: See Terms

Annual Fee: $0

Foreign Transaction Fees: 3%

Rewards Rate:  Earn 3% cash back in the category of your choice - now with
expanded categories, automatic 2% at grocery stores and wholesale clubs (up to
$2,500 in combined choice category/grocery store/wholesale club quarterly
purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas
and EV charging station, online shopping/cable/internet/phone plan/streaming,
dining, travel, drug store/pharmacy or home improvement/furnishings purchases.

Credit Needed: Excellent/Good

Editor's Take

PROS:

 * The freedom to choose the category in which to earn the highest rewards makes
   this customizable card an excellent option for many people's spending habits.
 * If you're a Bank of America Preferred Rewards client, you can earn even more:
   25%-75% more cash back on every purchase.
 * Take advantage of See Terms , and balance transfers made in the first 60 days
   (then, See Terms ). Keep in mind though that balance transfer fees apply: 3%
   for 60 days from account opening, then 4%.

CONS:

 * The cash-back opportunities are good, but they're great for Bank of America
   Preferred Rewards clients. If that's not you, you might want to look
   elsewhere for higher cash-back earning.
 * Be aware that this card charges foreign transaction fees, so you'll want to
   carry another option along when you travel abroad or when you shop in foreign
   currency from home.
 * You can only adjust your 3% cash-back earning category once per calendar
   month. If an unexpected expense arises in a different category after you've
   already made your choice, you're out of luck for the 3% on that purchase
   until the following month rolls around.

User Scores

Current Scores Past Scores Overall Score 81.1 80.2 Rewards Program Satisfaction
8.1 8.1 Customer Service 7.9 8.1 Website/App Usability 8.6 8.1 Likelihood of
Continuing to Use 9.0 7.9 Recommend to a Friend/Colleague 7.7 7.8

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more cash back cards
Best for general travel rewards


CHASE SAPPHIRE PREFERRED® CARD (THIS CARD IS NOT CURRENTLY AVAILABLE ON
CARDRATINGS)

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5.0 5
 

$0 $95
Why We Like It: A lucrative signup bonus, excellent ongoing rewards and
flexibility with redemptions make this an excellent starter card for people who
want to start racking up travel rewards.

Read our full Chase Sapphire Preferred® Card review.

Welcome Bonus
60,000 bonus points ⓘEarn 60,000 bonus points after you spend $4,000 on
purchases in the first three months from account opening.
Annual Fee
$95
Regular APR
20.99% - 27.99% Variable
Credit Score
Excellent, Good
Card Details

The Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the
first three months from account opening. You can transfer points to multiple
airline and hotel loyalty programs, so you might find that bonus to be worth a
lot more when converted to rewards under one of your existing loyalty accounts.

Annual Fee: $95

Foreign Transaction Fees: $0

Rewards Rate:  Earn 5x on travel purchased through Chase Travel, 3x on dining,
select streaming services and online groceries, 2x on all other travel
purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus
more. Your points are worth 25% more when you redeem for airfare, hotels, car
rentals and cruises through Chase Travel℠. For example, 60,000 points are worth
$750 toward travel.

Credit Needed: Excellent, Good

Editor's Take

PROS:

 * This card's welcome bonus has the potential to go a really long way thanks to
   the boost in the value of points when redeemed through Chase Travel.
 * Points earned with this card stand to be even more valuable when transferred
   to one of Chase's numerous travel partners.
 * This card is an excellent complement to other Ultimate Rewards-earning cards,
   such as Chase Freedom Unlimited® or even business cards like the Ink Business
   Preferred® Credit Card. Combine all your points into a single pot and,
   depending on which card you group them under, they may be worth even more.
   Learn more in our Guide to Chase Ultimate Rewards points.

CONS:

 * This card's rewards earning works well for a certain type of spender, but not
   everyone. Remember you'll only earn bonus rewards in select categories. If
   these categories aren't among your regular spending categories, you'd likely
   be better off with a different card.
 * There is the $95 annual fee to consider, so make sure you'll earn (and
   redeem!) enough rewards to more than offset the fee.

User Scores

Current Scores Past Scores Overall Score 80.3 86.6 Rewards Program Satisfaction
7.8 8.6 Customer Service 8.0 8.7 Website/App Usability 8.3 8.8 Likelihood of
Continuing to Use 8.4 8.7 Recommend to a Friend/Colleague 8.1 8.6

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more travel cards
Best for premium travel rewards


CAPITAL ONE VENTURE X REWARDS CREDIT CARD

Cardholder Favorite
Add to compare

5.0 5
 
See Rates and Fees
None $395
Why We Like It: This card marks Capital One's entrance to the premium travel
rewards card market – and it doesn't disappoint. With an excellent welcome
offer, solid ongoing rewards, a lower-than-typical annual fee for this level of
card and an array of additional perks, this card is definitely worth checking
out.

Read our full Capital One Venture X Rewards Credit Card review.

Welcome Bonus
75,000 miles ⓘEarn 75,000 miles – worth $750 in travel – after spending $4,000
in the first three months
Annual Fee
$395
Regular APR
19.99% - 29.74% (Variable)
Credit Score
Excellent
Card Details

The Bonus: 75,000 bonus miles when you spend $4,000 in the first three months of
card membership. Redeemed for statement credit to cover travel, those miles are
worth $750. You can also transfer the miles to a number of hotel and airline
loyalty programs for possibly more value.

Annual Fee: $395

Foreign Transaction Fees: None

Rewards Rate: Earn 10X miles on hotels and rental cars booked through Capital
One Travel; 5X miles on flights and vacation rentals booked through Capital One
Travel; and an unlimited 2X miles on all other purchases.

Is Venture X worth the annual fee?: The annual fee for this card is already
lower than most in the premium/luxury category, so that's a good start. Add in
perks like a complimentary access to Capital One Lounges and the Partner Lounge
Network, up to $120 statement credit for your Global Entry or TSA PreCheck
application fee, $300 credit annually for travel booked through Capital One
Travel as well as 10,000 bonus miles (worth $100 in travel) each year after your
account anniversary and it's easy to see how you can almost completely offset
that annual fee before you even discuss the day-to-day rewards earning.

Credit Needed: Excellent

Editor's Take

PROS:

 * It's nice to be appreciated – with this card, your loyalty is rewarded each
   anniversary year with 10,000 bonus miles.
 * The card's welcome bonus and numerous ongoing perks will more than offset
   your annual fee for the first year.
 * This card offers stellar flexibility when it comes to redeeming your miles.
   Just cash them in to cover travel purchases charged to your card. The list of
   loyalty program partners is also growing, so you can explore whether there's
   good value for you in that redemption path as well. Learn more in our Guide
   to Capital One miles.

CONS:

 * While the $300 annual travel credit is generous, it is only available for
   purchases made through Capital One Travel, so it's a bit restrictive.
 * It's lower than other cards in its class, but there is a $395 annual fee to
   consider. Ensure you'll earn and redeem enough rewards to make the fee worth
   your while.
 * Capital One's travel loyalty partners aren't the most popular or
   wide-reaching out there. It's nice to have the options, but they may not be
   be the most useful to you depending on your travel habits.

User Scores

Current Scores Past Scores Overall Score 80.2 71.9 Rewards Program Satisfaction
7.7 7.1 Customer Service 7.9 7.4 Website/App Usability 8.5 7.4 Likelihood of
Continuing to Use 8.5 6.9 Recommend to a Friend/Colleague 8.2 7.2

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more travel cards
Best card for dining out and delivery


AMERICAN EXPRESS® GOLD CARD

Cardholder Favorite
Add to compare

5.0 5
 
See Rates and Fees; terms apply
None $325
Why We Like It: Bonus points earned at restaurants worldwide as well as dining
credits for eligible purchases make this a great option for those who frequently
dine out or grab take out. American Express is a CardRatings advertiser.

Read our full American Express® Gold Card review.

Welcome Bonus
60,000 points ⓘLimited time offer: Earn 60,000 points after you spend $6,000 on
eligible purchases on your new card in your first six months of card membership.
Annual Fee
$325
APR
See Pay Over Time APR
Credit Score
Good, Excellent
Card Details

The Bonus: Limited time offer: Earn 60,000 points after you spend $6,000 on
eligible purchases on your new card in your first six months of card membership.

Ongoing APR: See Pay Over Time APR

Annual Fee: $325

Foreign Transaction Fee: None

Rewards Rate: Earn 4X points per $1 spent on purchases at restaurants worldwide,
on up to $50,000 in purchases per calendar year, then 1X point for the rest of
the year; 4X points per $1 spent at US supermarkets, on up to $25,000 in
purchases per calendar year, then 1X point for the rest of the year; 3X points
per $1 spent on flights booked directly with airlines or on AmexTravel.com; 2X
points per $1 spent on prepaid hotels and other eligible purchases booked on
AmexTravel.com; and 1X point per $1 spent on all other eligible purchases.

Credit Score Needed:  Good, Excellent

Editor's Take

PROS:

 * This card is tailor made for folks who prefer to let others do the cooking.
   Cardholders can earn 4X points for every dollar spent on dining (on up to
   $50,000), then 1X point for the rest of the year.
 * Another tasty perk comes in the form of an annual $120 ($10 a month) dining
   credit. Earn up to $10 in statement credits monthly when you pay with your
   card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys
   (enrollment required).
 * If you do happen to like cooking for yourself, you can also earn 4X points
   per dollar at U.S. supermarkets, on up to $25,000 per year, then 1X point for
   the rest of the year.

CONS:

 * Membership has its privileges but they come with a price tag. The annual fee
   is substantial if you don't plan to make regular use of the card.
 * As you may know, American Express encourages its members to pay off their
   balance every month. You do also have the option of "paying over time."

User Scores

Current Scores Past Scores Overall Score 81.9 83.4 Rewards Program Satisfaction
8.0 8.4 Customer Service 8.4 8.4 Website/App Usability 8.2 8.3 Likelihood of
Continuing to Use 8.6 8.4 Recommend to a Friend/Colleague 8.2 8.2

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more cards for dining out
Best card for groceries


BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS

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5.0 5
 
See Rates and Fees; terms apply
2.7% of each transaction after conversion to US dollars. $0 intro annual fee for
the first year, then $95.
Why We Like It: This is the only card we know of that offers 6% back (up to
$6,000 spent annually) in a category that just about every family spends in with
some regularity: U.S. supermarkets.

Read our full Blue Cash Preferred® Card from American Express review.

Welcome Offer
$250 ⓘEarn $250 in statement credit after you spend $3,000 in eligible purchases
within the first six months
Annual Fee
$0 intro annual fee for the first year, then $95.
Regular APR
18.49% - 29.49% Variable
Credit Score
Good, Excellent
Card Details

The Welcome Offer: Earn $250 in statement credit after you spend $3,000 in
eligible purchases within the first six months.

Intro APR Offer:Enjoy 0% intro APR on purchases and balance transfers for 12
months from the date of account opening. Balance transfer fee applies: Either $5
or 3% of the amount of each transfer, whichever is greater.

Ongoing APR: 18.49% - 29.49% Variable

Annual Fee: $0 intro annual fee for the first year, then $95.

Foreign Transaction Fees: 2.7% of each transaction after conversion to US
dollars.

Rewards Rate: Earn 6% cash back at U.S. supermarkets (up to $6,000 spent
annually, then 1%) and on select U.S. streaming subscriptions; earn 3% back at
U.S. gas stations and on transit like parking, tolls, taxis, bus fares and more;
and earn 1% back on your other purchases.

Credit Needed: Good, Excellent

Editor's Take

PROS:

 * This is among the highest reward rates out there for U.S. supermarket
   purchases, meaning it could be a very lucrative card for someone who
   regularly spends there.
 * Low intro APR: 0% on purchases and balance transfers for 12 months from the
   date of account opening, then 18.49% - 29.49% Variable. Balance transfer fee
   applies: Either $5 or 3% of the amount of each transfer, whichever is
   greater.
 * We love this card for families since it rewards purchases with U.S.
   supermarkets (6% cash back up to $6,000 spent in a year, then 1%), on select
   U.S. streaming subscriptions (6% cash back), at U.S. gas stations (3% cash
   back), and on transit (3% cash back); all categories that many families find
   themselves spending in with some frequency.

CONS:

 * As an American Express card, it isn't as widely accepted as cards issued by
   Visa or Mastercard, but the American Express network is ever-expanding both
   in the U.S. and abroad.
 * Speaking of using this card while abroad, that's not the best idea as it
   charges foreign transaction fees, something you can avoid with many cards.
 * There's also the annual fee to consider; you'll want to go through your
   budget carefully to determine whether you'll earn enough rewards to more than
   offset the annual fee.

User Scores

Current Scores Past Scores Overall Score 78.5 78.2 Rewards Program Satisfaction
7.6 7.8 Customer Service 7.7 8.0 Website/App Usability 8.1 7.7 Likelihood of
Continuing to Use 8.3 8.2 Recommend to a Friend/Colleague 8.2 7.5

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more cards for groceries
Best for gas purchases


CITI CUSTOM CASH® CARD (THIS CARD IS NOT CURRENTLY AVAILABLE ON CARDRATINGS)

Add to compare

5.0 5
 

3% $0
Why We Like It: This card offers 5% cash back on purchases in your top eligible
spend category each billing cycle, up to the first $500 spent (1% cash back
thereafter). As gas is an eligible spending category, that means you can earn up
to $25 each billing cycle on bonus rewards alone. More (at that 1% rate) if you
spend over $500 each billing cycle. This is one of the best rates earned on gas
purchases we've seen!

Read our full Citi Custom Cash® Card review.

Welcome Bonus
20,000 points ⓘSpend $1,500 on purchases within the first six months of opening
an account and you’ll receive 20,000 ThankYou® Points - worth $200
Annual Fee
$0
APR
18.49% - 28.49% (Variable)
Credit Score
Excellent, Good
Card Details

The Bonus: Spend $1,500 on purchases within the first six months of opening an
account and you’ll receive 20,000 ThankYou® Points, worth $200.

Ongoing APR: 18.49% - 28.49% (Variable)

Annual Fee: $0

Foreign Transaction Fee: 3%

Rewards Rate: Earn 5% cash back on purchases in your top eligible spend category
each billing cycle, up to the first $500 spent (1% cash back thereafter) - there
are no category enrollments to worry about or no need to juggle reward tiers. On
everything else you purchase, you’ll get 1% cash back. Eligible 5% categories
include: restaurants, grocery stores, gas stations, select travel, select
transit, select streaming services, fitness clubs, live entertainment,
drugstores, and home improvement stores. As a special travel offer, earn an
additional 4% cash back on hotels, car rentals, and attractions booked on Citi
Travel℠ portal through 6/30/2026.

Credit Needed: Excellent, Good

Editor's Take

PROS:

 * This is a good card if you have a large purchase on the horizon, or if you
   need some time to pay off an existing balance interest free, thanks to intro
   0% APR for 15 months on purchases and balance transfers (then 18.49% - 28.49%
   (Variable) applies).
 * This card is a nice option if you don't want to worry about rotating
   categories or category enrollments as it automatically earns you bonus
   rewards in the eligible category where you spend the most, whether that's on
   gas or in one of the other eligible bonus categories.

CONS:

 * If you're willing to keep up with rotating categories or a tiered-rewards
   structure, you may stand to earn more rewards with another card. That said,
   this card could complement other cards very nicely.
 * This isn't a good card to travel internationally with as it charges a fee on
   foreign transactions.

User Scores

Current Scores Past Scores Overall Score 80.3 87.8 Rewards Program Satisfaction
8.2 8.8 Customer Service 7.7 8.8 Website/App Usability 7.8 8.7 Likelihood of
Continuing to Use 8.7 9.0 Recommend to a Friend/Colleague 7.9 8.5

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more cards for gas rewards
Best small business card


INK BUSINESS PREFERRED® CREDIT CARD (THIS CARD IS NOT CURRENTLY AVAILABLE ON
CARDRATINGS)

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5.0 5
 

$0 $95
Why We Like It: The categories in which you can earn the highest amounts of cash
back run the gamut from fairly typical to pretty unusual and the spending cap is
high enough to make this a reasonable card choice for many small businesses.
Plus, mobile phone protection is a nice added perk that could save just about
any business some money.

Read our full Ink Business Preferred® Credit Card review.

Welcome Offer
90,000 points ⓘEarn 90k bonus points after you spend $8,000 on purchases in the
first 3 months from account opening. That's $900 cash back or $1,125 toward
travel when redeemed through Chase Travel℠
Annual Fee
$95
Regular APR
20.74% - 26.74% Variable
Credit Score
Excellent, Good
Card Details

The Bonus: Earn 90k bonus points after you spend $8,000 on purchases in the
first 3 months from account opening. That's $900 cash back or $1,125 toward
travel when redeemed through Chase Travel℠

Annual Fee: $95

Foreign Transaction Fees: $0

Rewards Rate: Receive three points per $1 spent on up to $150,000 combined
spending annually on travel expenses; shipping costs; Internet, cable, and phone
services; and advertising purchases made with social media sites and search
engines. You'll earn one point per $1 in those categories once you reach the
spending cap and on all your other purchases.

Additional Perks: Pay your mobile phone bill on your card and you'll enjoy
protection for the primary phone on the account as well as all the other phones
on the account (yes, that includes employee phones) for covered damage and
theft.

Credit Needed: Excellent, Good

Editor's Take

PROS:

 * This is the highest signup bonus of any Ultimate Rewards-earning card –
   90,000 bonus points after spending $8,000 on purchases within the first three
   months. That bonus is worth $900 cash back or $1,125 toward travel when
   redeemed through Chase Travel.
 * The spending cap in the bonus categories is high at $150,000, so it can meet
   the needs of a just-getting-started business as well as an
   already-on-the-move business.
 * Pay your cellular bill on your card and you'll receive cellular phone
   insurance for the primary line as well as other phones on the account.

CONS:

 * There is an annual fee to consider, so make sure the rewards categories truly
   fit your businesses needs or else the fee might not be worth it.
 * Remember that there is a spending cap in the bonus categories, so if you
   spend well above a combined $150,000 a year on travel and the other select
   business categories, you'll only earn 1% back on the additional spending.
 * Frequent travelers are likely to get the most value out of this card, so if
   travel isn't a big part of your business' spending, you might want to
   consider another option as your small business credit card.

User Scores

Current Scores Past Scores Overall Score 80.0 74.3 Rewards Program Satisfaction
7.8 7.4 Customer Service 8.0 7.6 Website/App Usability 8.3 7.3 Likelihood of
Continuing to Use 7.9 7.6 Recommend to a Friend/Colleague 8.3 7.3

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


NOTE FROM THE EDITOR

Your rewards are doled out as Chase Ultimate Rewards points and they're worth
25% more if you redeem them for travel through the Chase portal. Furthermore,
you can transfer the points to a number of airline and hotel loyalty partners.
One more thing, this card is complemented by Ink Business Unlimited® Credit Card
(This card is not currently available on CardRatings), a no-annual-fee card that
allows business owners to earn a flat 1.5% cash back on every purchase. A smart
strategy would be to use your Ink Business Unlimited® Credit Card for all your
purchases that don't earn at a higher rate with the Ink Business Preferred®
Credit Card.

See more small business cards
Best balance transfer offer


CITI® DIAMOND PREFERRED® CARD (THIS CARD IS NOT CURRENTLY AVAILABLE ON
CARDRATINGS)

Add to compare

5.0 5
 

3% $0
Why We Like It: This is a solid card if you want to transfer existing debt
thanks to a lengthy intro period – nearly two years – during which you can pay
down the debt without paying interest.

Read our full Citi® Diamond Preferred® Card review.

Balance Transfer Intro Offer
0% APR for 21 months ⓘ0% intro APR for 21 months on balance transfers made
within the first four months (after the intro period, a 17.49% - 28.24%
(Variable) APR applies). Balance transfer fee applies with this offer; 5% of
each balance transfer; $5 minimum.
Annual Fee
$0
Regular APR
17.49% - 28.24% (Variable)
Credit Score
Excellent, Good
Card Details

Intro 0% Offer Details: Take advantage of an introductory 0% APR period of 21
months from date of your first transfer for balance transfers (all transfers
must be completed within 4 months) and 12 months for purchases (then, 17.49% -
28.24% (Variable)).

Balance Transfer Fees: Balance transfer fee applies with this offer; 5% of each
balance transfer; $5 minimum.

Annual Fee: $0

Foreign Transaction Fees: 3%

Rewards Rate: There are no traditional rewards offered with this card, however,
you could easily consider the extra money you'll save on interest charges thanks
to that introductory 0% APR period on purchases and qualifying transfers, as a
reward.

Credit Needed: Excellent, Good

Editor's Take

PROS:

 * This card has one of the longest intro 0% APR offers that we know of. Enjoy
   0% intro APR on balance transfers for 21 months (when made in the first four
   months) and on purchases for 12 months, then 17.49% - 28.24% (Variable).
 * This card keeps membership fun with Citi Entertainment®, which gives
   cardholders special access to purchase tickets to thousands of events,
   including concerts, sporting events, dining experiences and more.
 * Keep track of your credit with free access to your FICO® score online.

CONS:

 * This card isn’t a rewards card so if you want a lengthy 0% intro offer AND
   rewards you might want to consider another option.
 * Intro 0% APR for 21 months on balance transfers is one of the longest on the
   market, but don’t be blindsided by the APR after the intro offer. Depending
   on your creditworthiness the APR can shoot up significantly.
 * If you’re looking for a good credit card to take overseas with you, this card
   probably isn’t it as it charges foreign transaction fees.

User Scores

Current Scores Past Scores Overall Score 74.3 76.6 Features Satisfaction 7.3 7.4
Customer Service 7.4 7.8 Website/App Usability 7.7 7.9 Likelihood of Continuing
to Use 8.2 8.2 Recommend to a Friend/Colleague 7.2 7.6

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more balance transfer cards
Best card for luxury perks


THE PLATINUM CARD® FROM AMERICAN EXPRESS

Add to compare

5.0 5
 
See Rates and Fees; terms apply
None $695
Why We Like It: If you're paying this much of an annual fee, it better be worth
it. And, trust us, this card is worth it in perks alone – and that's before you
even talk about the rewards.

Read our full The Platinum Card® from American Express review.

Welcome Offer
80,000 points ⓘEarn 80,000 bonus Membership Rewards points after spending $8,000
on eligible purchases within the first six months
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score
Excellent, Good
Card Details

The Welcome Offer: Earn 80,000 Membership Rewards points after you spend $8,000
on eligible purchases on your new card in your first six months of card
membership.

Annual Fee: $695

Foreign Transaction Fees: None 

Rewards Rate: Earn 5X Membership Rewards points for every $1 spent on flights
booked directly with airlines or through American Express Travel (up to $500,000
spent on these purchases per calendar year); 5X points on prepaid hotels booked
on amextravel.com; and one point per $1 spent on eligible purchases elsewhere.

Is The Platinum Card® from American Express Annual Fee Worth It? Again, the
short answer is yes... for the right person. Cardholders receive complimentary
access to the Global Lounge Collection of airport lounges and are eligible for
up $200 annually in statement credit to cover incidental airline charges like
baggage fees or in-flight refreshments on one qualifying pre-selected airline,
as well as either $120 or $85 in credit to cover your Global Entry or TSA
PreCheck application fees, respectively. If you are someone who would have
purchased an annual airport lounge membership, that alone largely offsets the
annual fee. Plus, the perks just mentioned are in addition to numerous other
perks and features you'd want to see with a luxury card. Enrollment required for
select benefits. 

Credit Needed: Excellent, Good

Editor's Take

PROS:

 * As a luxury card, this is another good travel option packed with useful
   benefits. Some of our favorites include: a $200 airline fee credit (with one
   pre-selected airline); Uber VIP status and up to $15 each month, plus a bonus
   in December, in Uber Cash for your rides and Uber Eats orders in the U.S.; a
   credit of $120 or $85 for your Global Entry or TSA PreCheck, respectively,
   application fee; access to the Global Lounge Collection, including Centurion
   Lounge locations around the world; no foreign transaction fees; and car
   rental loss and damage insurance.
 * This card also offers a hefty welcome bonus to get card membership started
   off on the right foot. New cardholders can earn 80,000 bonus Membership
   Rewards points once making $8,000 in purchase in the first six months of card
   membership.
 * With 5X Membership Rewards points earned on flights booked directly with
   airlines or with American Express travel, this card makes it easy to rack up
   rewards quickly.
 * Terms apply. Enrollment required for select benefits.

CONS:

 * The $695 annual fee this card charges can’t be overlooked. It is a luxury
   card, however, and there are plenty of beneficial perks to help offset this
   cost.
 * With that said, many of the perks of this card are travel related; if you
   don’t travel often, you’ll likely have trouble offsetting the annual fee and
   making the most of the card’s rewards.
 * If you anticipate needing to carry a balance you’ll likely want to consider
   another option. Unlike typical credit cards, this card allows you to carry a
   balance for certain charges, but not all.

User Scores

Current Scores Past Scores Overall Score 77.1 77.8 Rewards Program Satisfaction
7.9 7.7 Customer Service 7.5 8.1 Website/App Usability 7.4 7.8 Likelihood of
Continuing to Use 8.3 7.9 Recommend to a Friend/Colleague 7.4 7.6

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more premium cards
Best student credit card


CAPITAL ONE QUICKSILVER STUDENT CASH REWARDS CREDIT CARD

Cardholder Favorite
Add to compare

5.0 5
 
See Rates and Fees
None $0
Why We Like It: College is already tough enough to navigate; students don't need
another thing on their plate to worry about. This card makes earning simple with
1.5% cash back earned on all purchases made. No caps, no spend categories; just
simple and easy-to-earn rewards.

Read our full Capital One Quicksilver Student Cash Rewards Credit Card review.

Early Spend Bonus
$50 ⓘEarn $50 when you spend $100 in the first three months
Annual Fee
$0
Regular APR
19.74% - 29.74% (Variable)
Credit Score
Average, Fair, Limited
Card Details

The Bonus: Earn an early spend bonus of $50 when you spend $100 in the first
three months.

The Annual Fee: $0

Foreign Transaction Fees: None

The Rewards: Earn a flat 1.5% cash back on purchases.

Credit Needed: Average, Fair, Limited

Editor's Take

PROS:

 * This card has no annual fee making it an excellent starter option for those
   just diving into the world of credit cards.
 * What college student doesn't want a little extra cash in their pocket? This
   card offers a nice welcome bonus that can be earned by new cardcholers; a
   perk not always found with student credit cards.

CONS:

 * The rewards earning is nice, but isn't sky high. There are student cards out
   there that offer higher rewards-earning opportunities if you're willing to be
   strategic with your spending.
 * The high APR of 19.74% - 29.74% (Variable) can be alarming if you don't stay
   on top of paying your balance in full and on time.

User Scores

Current Scores Past Scores Overall Score 77.2 n/a Features Satisfaction 7.1 n/a
Customer Service 8.3 n/a Website/App Usability 8.3 n/a Likelihood of Continuing
to Use 8.2 n/a Recommend to a Friend/Colleague 7.8 n/a

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


See more student cards
Best card for building credit/low credit scores


DISCOVER IT® SECURED CREDIT CARD

Add to compare

5.0 5
 
See Rates and Fees
None $0
Why We Like It: This is the rare secured credit card that offers cardholders the
chance to earn rewards. Racking up some cash back while you rebuild your credit
is a nice option to have, though it shouldn't be the primary goal if you're
looking at secured credit cards; that should be building your credit score and a
positive credit history.

Read our full Discover it® Secured Credit Card review.

Welcome Offer
Cashback Match ⓘDiscover will match all the cash back a cardholder earns during
their first year
Annual Fee
$0
Regular APR
27.74% Variable APR
Credit Score
New, Rebuilding
Card Details
 * No credit score required to apply. No Annual Fee.
 * Your secured credit card requires a refundable security deposit, and your
   credit line will equal your deposit amount, starting at $200. Bank
   information must be provided when submitting your deposit.
 * Raise your credit score by 30+ points.
 * Automatic reviews starting at 7 months to see if we can transition you to an
   unsecured line of credit and return your deposit.
 * Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined
   purchases each quarter, automatically. Plus earn unlimited 1% cash back on
   all other purchases.
 * Discover could help you reduce exposure of your personal information online
   by helping you remove it from select people-search sites that could sell your
   data. It's free, activate with the mobile app.
 * Get an alert if we find your Social Security number on any of thousands of
   Dark Web sites. Activate for free.
 * Terms and conditions apply.

See More
Editor's Take

PROS:

 * This is a unique secured credit card in that it offers cash-back rewards.
   Earn 2% back on the first $1,000 spent each quarter at gas stations and
   restaurants (then 1%) and 1% on all other purchases.
 * Not only is this a secured credit card that offers ongoing rewards, but it
   also offers a nice welcome bonus – another unique feature to secured credit
   cards. Discover will match all the cash back you’ve earned at the end of your
   first year as a cardholder. So say you earn $100 cash back in your first
   year, you’ll actually pocket $200 that year.
 * After seven months, Discover will automatically review your account monthly
   to determine whether you’re eligible to be transitioned to an unsecured
   credit card.

CONS:

 * Though there’s no annual fee, the minimum security deposit amount could be a
   stretch for some people at $200. If you can’t see yourself coming up with
   that deposit, there are other secured credit cards with lower security
   deposit requirements.
 * Although the cash-back rewards associated with this card may entice potential
   users, the downside is that not every applicant will be approved. Approval
   depends on credit history and other financial variables. If you’re uncertain
   that you will be approved and don’t want a hard credit inquiry on your
   report, a different secured credit card might be a better fit for you.

User Scores

Current Scores Past Scores Overall Score 83.7 77.9 Features Satisfaction 8.6 7.7
Customer Service 8.1 8.1 Website/App Usability 8.4 7.8 Likelihood of Continuing
to Use 9.1 8.2 Recommend to a Friend/Colleague 7.8 7.6

*Scores above reflect the results of surveys with actual cardholders. Full
methodology below.


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from our experts


HOW DO CREDIT CARDS WORK?

Credit cards are like loans. You can borrow up to a certain limit, but you must
pay it back. If you don’t pay it back on time, you’ll be charged interest. A
card’s interest rate, or annual percentage rate (APR), is determined by an
applicant’s credit score and credit history.

When approved for a new credit card you’ll be given a credit limit, which is the
maximum amount you can borrow. If you try to spend more, you might be charged a
fee. Cash advances (getting cash from your card) usually have a lower limit, and
often charge interest immediately.

Credit cards have revolving debt. This means the amount you owe goes up and down
as you spend and pay. It’s different from a car loan or mortgage, which has a
fixed amount. Your purchases and payments are shown on your monthly statement.
It’s best to pay your balance in full by the due date each month in order to
avoid interest charges. Otherwise, you can pay at least the minimum balance due,
but interest charges will apply.

Learn more about how credit cards work, and see answers to some of the most
commonly asked credit card questions.


HOW TO APPLY FOR A CREDIT CARD

Here are the general steps when applying for a credit card:

 1. Determine your credit profile and needs. What is your credit score and
    history like? What is your budget and where do you spend your money? Why do
    you want a credit card? Can you afford an annual fee? Do you need a 0%
    introductory period? These are the questions you want to ask before you even
    begin researching the card to apply for.
 2. Research your options. Don’t accept the first offer that arrives in the mail
    and don’t let a flashy celebrity endorsement draw you in. Match your
    existing budget, lifestyle, needs and goals to the card rather than trying
    to adjust your life to fit the card. Of course, also take a look at the
    card’s welcome offer, rewards and fee structure before making your
    decision. 
 3. Gather your information. You’ll need to supply personal information when
    applying for a card, including:
    * Name and contact information
    * Social security number (or EIN if you’re applying for a small business
      card)
    * Income info, including your source of income and annual income amount (if
      you’re over the age of 21, you can include your spouse or partners income
      that you reasonably expect to have access to)
 4. Apply for the card. Fill out the application materials honestly and submit
    your application. Applications can easily be accessed by clicking the “apply
    now” button next to your card choice for any of the cards above.

Learn more about how to apply for a credit card.


HOW DOES CREDIT CARD INTEREST WORK?

Credit card interest is a fee charged by the card issuer when you carry a
balance from one billing cycle to the next. This means you’re effectively
borrowing money from the issuer, and they charge interest on that loan. The
interest rate can vary depending on the card’s terms and your creditworthiness.

Typically, there’s a grace period between when you make a purchase and when the
payment is due. If you pay the full balance within this grace period, you won’t
be charged interest. However, if you only pay the minimum payment, interest will
accrue on the remaining balance.

Credit card interest is often calculated using the average daily balance method.
This means the issuer calculates the average balance on your account each day
during the billing cycle. The interest rate is then applied to this average
balance to determine the total interest charge.

It’s important to note that interest rates can vary widely among different
credit cards. Factors like your credit score, the type of card, and the issuer’s
promotions can influence the rate you’ll be charged. To minimize interest
charges, it’s advisable to pay your balance in full each month whenever
possible.


WHAT IS A GOOD APR FOR A CREDIT CARD?

A competitive APR for a credit card depends on your creditworthiness. The
average credit card interest rate regularly fluctuates, depending on recent Fed
decisions and other financial trends, but generally speaking, individuals with
excellent credit scores may qualify for APRs as low as 15% or less; those with
good credit may find APRs in the range of 15-20% to be favorable; and for those
with fair credit, APRs typically land above 20%. It’s important to keep in mind
that APRs can vary significantly among issuers. Comparing offers from multiple
lenders can help you secure the most advantageous terms.


DOES APPLYING FOR A CREDIT CARD HURT YOUR CREDIT SCORE?

Yes, applying for a credit card can have a minor impact on your credit score.
This is because new credit card applications require a credit check, triggering
a hard inquiry into your credit history. While hard inquiries can lower your
score slightly, the effect is typically minimal, especially if you have a strong
credit history. However, multiple inquiries within a short period can have a
more significant impact. It’s generally recommended to limit credit card
applications to one or two at a time to minimize the potential damage to your
credit score. Learn more about why credit checks hurt your credit score.


HOW LONG DOES IT TAKE TO GET A CREDIT CARD?

When applying for a credit card online, you’ll typically receive an immediate
approval or denial. However, sometimes, your application may be pending. In such
cases, credit card issuers are obligated to provide a decision within 30 days.
While this is the legal requirement, many issuers will communicate their
decision within seven to 14 days. Once you are approved for an account, you
should receive your new card in the mail within seven to 10 days. You can also
contact the issuer and request that they expedite your new card. If your request
is approved, you could receive your new card as quickly as one to two days.

--------------------------------------------------------------------------------

Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct
surveys among 1,869 cardholders nationwide. CardRatings website analytics from
Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most
popular cards and additional cards were included to add survey breadth.
Responses to each of nine questions were given on a scale of 1-10 and
respondents’ scores were then averaged under broad topics. To determine the
overall score, responses from questions 1-8 were summed and the answer to “How
likely are you to recommend this card to a friend, coworker or family member?”
was double weighted. “Current Scores” reflect scores from the most recent survey
(2023); “Past Scores” reflect scores from the 2022 survey.

Ranking Methodology: CardRatings experts review the fine print, details, perks,
rewards and features of hundreds of cards and compare them side-by-side with
similar cards. A card that makes an excellent balance transfer card may not make
a great cash-back rewards card even though it offers those rewards. While the
Best of the Year list is announced annually, that list – and all other “best of”
lists on CardRatings – are regularly reviewed and updated as issuers change the
terms and features of each card often.

For rates and fees for American Express cards mentioned in this post, please see
the following links: Blue Cash Preferred® Card from American Express (See Rates
and Fees; terms apply); The Platinum Card® from American Express (See Rates and
Fees; terms apply); American Express® Gold Card (See Rates and Fees; terms
apply)

For Capital One products listed on this page, some of the benefits may be
provided by Visa® or Mastercard® and may vary by product. See the respective
Guide to Benefits for details, as terms and exclusions apply.

Disclaimer:

The information in this article is believed to be accurate as of the date it was
written. Please keep in mind that credit card offers change frequently.
Therefore, we cannot guarantee the accuracy of the information in this article.
Reasonable efforts are made to maintain accurate information. See the online
credit card application for full terms and conditions on offers and rewards.
Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any
opinions, analyses, reviews or recommendations expressed here are those of the
author’s alone, and have not been reviewed, approved or otherwise endorsed by
any such company. CardRatings.com does not review every company or every offer
available on the market.

 
About Our Ratings
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Our editors rate credit cards objectively based on the features the credit card
offers consumers, the fees and interest rates, and how a credit card compares
with other cards in its category. Ratings vary by category, and the same card
may receive a certain number of stars in one category and a higher or lower
number in another.

The ratings are the expert opinion of our editors, and not influenced by any
remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an
option to apply using links on our site. CardRatings.com may be compensated by
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Jennifer Doss
CardRatings Executive Editor
Jennifer Doss is a credit card analyst and the executive editor of
CardRatings.com. She has worked as both a print and online journalist and has
over a decade of experience in the media industry. Her published work has
covered a broad range of topics, from finance and technology to travel and
dining. Through extensive travel experiences and her personal interest in food,
she has come to appreciate the unique rewards and benefits of responsible credit
card use, and enjoys helping people understand the ins and outs of the industry.
As a finance expert, she strives to provide user-friendly online resources that
help everyday people get the most out of their credit cards.
     
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