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Advertiser disclosure
BEST CREDIT CARDS OF NOVEMBER 2023
From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards
outshine the rest. Compare these deals from our partners to find one that fits
your needs.
By
Paul Soucy
--------------------------------------------------------------------------------
Nov 2, 2023
Many or all of the products featured here are from our partners who compensate
us. This may influence which products we write about and where and how the
product appears on a page. However, this does not influence our evaluations. Our
opinions are our own. Here is a list of our partners and here's how we make
money.
all cardsBest OffersTravelBalance TransferLow InterestCash BackRewardsBuilding
CreditStudentFair CreditBusiness
More
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out
there. Just answer a few questions and we'll narrow the search for you.
Get Started
Best Offers from Our Partners
Credit card
NerdWallet rating
Annual feeIntro offerRewards rateApply now
Wells Fargo Active Cash® Card
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Rates & Fees
5.0/5
$0
$200
2%
cashback
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Rates & Fees
Chase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
5.0/5
$0
Matched Cash Back
1.5%-5%
cashback
Apply Now
on Chase's website
on Chase's website
Capital One SavorOne Cash Rewards Credit Card
Apply Now
on Capital One's website
on Capital One's website
Rates & Fees
5.0/5
$0
$200
1%-10%
cashback
Apply Now
on Capital One's website
on Capital One's website
Rates & Fees
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's website
on Capital One's website
Rates & Fees
4.7/5
$95
75,000
miles
2x-5x
miles
Apply Now
on Capital One's website
on Capital One's website
Rates & Fees
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
on Chase's website
5.0/5
$95
60,000
points
1x-5x
points
Apply Now
on Chase's website
on Chase's website
Discover it® Cash Back
Apply Now
on Discover's website,
on Discover's website,or call 800-347-0264
Rates & Fees
4.9/5
$0
Cashback Match™
1%-5%
cashback
Apply Now
on Discover's website,
on Discover's website,or call 800-347-0264
Rates & Fees
Discover it® Balance Transfer
Apply Now
on Discover's website
on Discover's website
Rates & Fees
4.9/5
$0
Cashback Match™
1%-5%
cashback
Apply Now
on Discover's website
on Discover's website
Rates & Fees
Best Credit Cards For
BEST OFFERS
Best for: Cash back — high flat rate + incentives
WELLS FARGO ACTIVE CASH® CARD
Apply Now
on Wells Fargo's website
on Wells Fargo's website
NerdWallet rating
5.0/5
Rates & Fees
Annual fee
$0
Rewards rate
2%
cashback
Intro offer
$200
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
5.0/5
Rates & Fees
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Annual fee
$0
Rewards rate
2%
cashback
Intro offer
$200
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
Earn a $200 cash rewards bonus after spending $500 in purchases in the first
3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying
balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR; balance
transfers made within 120 days qualify for the intro rate and fee of 3% then
a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as
your account remains open
Enjoy a premium collection of benefits at a selection of the world's most
intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay
your monthly cell phone bill with your eligible Wells Fargo card (subject to
a $25 deductible).
Select “Apply Now” to learn more about the product features, terms and
conditions
* View Rates & Fees
Our Take
Pros
* High rewards rate
* No annual fee
* Intro APR period
Cons
* No bonus categories
Best for: Cash back for travel bookings
CHASE FREEDOM UNLIMITED®
Apply Now
on Chase's website
on Chase's website
NerdWallet rating
5.0/5
Annual fee
$0
Rewards rate
1.5%-5%
cashback
Intro offer
Matched Cash Back
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
5.0/5
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1.5%-5%
cashback
Intro offer
Matched Cash Back
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases
and at the end of your first year, Chase will automatically match all the cash
back you earned! There is no limit to how much you can earn. Every dollar in
cash back rewards you earn is a dollar Chase will match.
Unlimited 1.5% cash back is just the beginning of what you can earn. You'll
enjoy 3% cash back on drugstore purchases and dining at restaurants, including
takeout and eligible delivery services, 5% cash back on travel purchased through
Chase Ultimate Rewards®, our premier rewards program that lets you redeem
rewards for cash back, travel, gift cards and more; and 1.5% cash back on all
other purchases.
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance
transfers, then a variable APR of 20.49% - 29.24%.
No minimum to redeem for cash back. You can choose to receive a statement credit
or direct deposit into most U.S. checking and savings accounts. Cash Back
rewards do not expire as long as your account is open!
No annual fee - You won't have to pay an annual fee for all the great features
that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your
credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Our Take
Pros
* No annual fee
* Intro APR period
* High rewards rate
* No minimum redemption amount
Cons
* Requires good/excellent credit
Best for: Bonus rewards: High rates on dining, groceries and more
CAPITAL ONE SAVORONE CASH REWARDS CREDIT CARD
Apply Now
on Capital One's website
on Capital One's website
NerdWallet rating
5.0/5
Rates & Fees
Annual fee
$0
Rewards rate
1%-10%
cashback
Intro offer
$200
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
5.0/5
Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$0
Rewards rate
1%-10%
cashback
Intro offer
$200
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
Earn a one-time $200 cash bonus after you spend $500 on purchases within the
first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming
services and at grocery stores (excluding superstores like Walmart® and
Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus
complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital
One Travel, where you'll get Capital One's best prices on thousands of trip
options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash
back won't expire for the life of the account and there's no limit to how
much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% -
29.99% variable APR after that; 3% fee on the amounts transferred within the
first 15 months
No foreign transaction fee
No annual fee
* View Rates & Fees
Our Take
Pros
* No annual fee
* Intro APR period
* Bonus categories
* No foreign transaction fees
Cons
* Requires good/excellent credit
Best for: Flat-rate travel rewards
CAPITAL ONE VENTURE REWARDS CREDIT CARD
Apply Now
on Capital One's website
on Capital One's website
NerdWallet rating
4.7/5
Rates & Fees
Annual fee
$95
Rewards rate
2x-5x
miles
Intro offer
75,000
miles
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
4.7/5
Rates & Fees
Apply Now
on Capital One's website
on Capital One's website
Annual fee
$95
Rewards rate
2x-5x
miles
Intro offer
75,000
miles
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases
within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels and rental cars booked through Capital One Travel,
where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how
many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+
Plaza Premium Lounges through the Partner Lounge Network
Use your miles to get reimbursed for any travel purchase—or redeem by booking
a trip through Capital One Travel
Enrich every hotel stay from the Lifestyle Collection with a suite of
cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
* View Rates & Fees
Our Take
Pros
* High rewards rate
* Flexible rewards redemption
Cons
* Has annual fee
* Requires good/excellent credit
Best for: Flexible redemption + big sign-up bonus
CHASE SAPPHIRE PREFERRED® CARD
Apply Now
on Chase's website
on Chase's website
NerdWallet rating
5.0/5
Annual fee
$95
Rewards rate
1x-5x
points
Intro offer
60,000
points
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
5.0/5
Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Rewards rate
1x-5x
points
Intro offer
60,000
points
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3
months from account opening. That's $750 when you redeem through Chase Ultimate
Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x
on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards
Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises
through Chase Ultimate Rewards®. For example, 60,000 points are worth $750
toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage
Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower
service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC
Our Take
Pros
* New cardholder bonus offer
* Bonus categories
* Primary rental car coverage
* Flexible rewards redemption
* Transfer partners
Cons
* Has annual fee
* Requires good/excellent credit
* Complicated rewards
Best for: Bonus category cash back + intro APR period
DISCOVER IT® CASH BACK
Apply Now
on Discover's website,
on Discover's website,or call 800-347-0264
NerdWallet rating
4.9/5
Rates & Fees
Annual fee
$0
Rewards rate
1%-5%
cashback
Intro offer
Cashback Match™
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
4.9/5
Rates & Fees
Apply Now
on Discover's website,
on Discover's website,or call 800-347-0264
Annual fee
$0
Rewards rate
1%-5%
cashback
Intro offer
Cashback Match™
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will
automatically match all the cash back you’ve earned at the end of your first
year! There’s no minimum spending or maximum rewards. You could turn $150
cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
other purchases—automatically.
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.
Every $1 you earn in cash back is $1 you can redeem
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard
Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Terms and conditions apply.
* View Rates & Fees
Our Take
Pros
* No annual fee
* Intro APR period
* Bonus categories
* Cash rewards
Cons
* Complicated rewards
* Spending caps on bonus rewards
* Lower acceptance abroad
Best for: Balance transfers
DISCOVER IT® BALANCE TRANSFER
Apply Now
on Discover's website
on Discover's website
NerdWallet rating
4.9/5
Rates & Fees
Annual fee
$0
Rewards rate
1%-5%
cashback
Intro offer
Cashback Match™
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
NerdWallet rating
4.9/5
Rates & Fees
Apply Now
on Discover's website
on Discover's website
Annual fee
$0
Rewards rate
1%-5%
cashback
Intro offer
Cashback Match™
Recommended Credit Score
690-850
(Good - Excellent)
Get your free credit score
Product Details
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will
automatically match all the cash back you’ve earned at the end of your first
year! There’s no minimum spending or maximum rewards. You could turn $150
cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
other purchases—automatically.
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.
Every $1 you earn in cash back is $1 you can redeem
No annual fee.
Terms and conditions apply.
* View Rates & Fees
Our Take
Pros
* No annual fee
* Intro APR period
* Bonus categories
* Cash rewards
Cons
* Complicated rewards
* Spending caps on bonus rewards
* Lower acceptance abroad
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MORE ABOUT THE CARDS FEATURED ON THIS PAGE
Use the buttons at the top of the page to see cards in different categories.
Best credit card offers
* Wells Fargo Active Cash® Card: Enjoy 2% cash back on purchases, plus a great
bonus offer and intro APR period. Read our review of the Wells Fargo Active
Cash® Card.
* Chase Freedom Unlimited®: Earn bonus cash back in popular categories,
including dining and some travel, plus a relatively high rate on everything
else. There's a solid bonus offer, too. Read our review of the Chase Freedom
Unlimited®.
* Capital One SavorOne Cash Rewards Credit Card: Food and entertainment rewards
are the centerpiece of this no-fee card, which pays an unlimited 3% cash back
at restaurants and grocery stores, but also on streaming and more. Read our
review of the Capital One SavorOne Cash Rewards Credit Card.
* Capital One Venture Rewards Credit Card: Unlimited 2X miles on purchases,
plus a great bonus offer and an expanding array of perks. Read our review of
the Capital One Venture Rewards Credit Card.
* Chase Sapphire Preferred® Card: Bonus rewards on travel and dining,
super-flexible points and a terrific bonus offer have long made this card a
favorite among travelers. Read our review of the Chase Sapphire Preferred®
Card.
* Discover it® Cash Back: This card offers a high rewards rate in rotating
categories, a good intro APR offer and an unusual bonus that could become a
windfall. Read our review of the Discover it® Cash Back.
* Discover it® Balance Transfer: You expect a balance transfer card to offer a
lengthy introductory APR period. But this card also gives you cash back — and
a reason to hold on to it long-term. Read our review of the Discover it®
Balance Transfer.
Top travel credit cards
* Chase Sapphire Preferred® Card: Bonus rewards on travel and dining,
super-flexible points and a terrific bonus offer have long made this card a
favorite among travelers. Read our review of the Chase Sapphire Preferred®
Card.
* Capital One Venture Rewards Credit Card: Unlimited 2X miles on purchases,
plus a great bonus offer and an expanding array of perks. Read our review of
the Capital One Venture Rewards Credit Card.
* Capital One Venture X Rewards Credit Card: A big sign-up bonus, travel
credits, high rewards and airport lounge access could make this card worth
the hefty annual fee. Read our review of the Capital One Venture X Rewards
Credit Card.
* The Platinum Card® from American Express: For a steep price, the original
premium card gives you 5X points on certain flights and hotel stays, hundreds
of dollars a year in credit for travel and shopping, and a suite of perks for
high-end lifestyles. Read our review of the The Platinum Card® from American
Express.
* Chase Freedom Unlimited®: Earn bonus cash back in popular categories,
including dining and some travel, plus a relatively high rate on everything
else. There's a solid bonus offer, too. Read our review of the Chase Freedom
Unlimited®.
Top balance transfer credit cards
* Discover it® Balance Transfer: 0% intro APR on Purchases for 6 months and 0%
intro APR on Balance Transfers for 18 months, and then the ongoing APR of
17.24%-28.24% Variable APR Read our review of the Discover it® Balance
Transfer.
* Chase Freedom Unlimited®: Earn bonus cash back in popular categories,
including dining and some travel, plus a relatively high rate on everything
else. There's a solid bonus offer, too. Read our review of the Chase Freedom
Unlimited®.
* Wells Fargo Active Cash® Card: Enjoy 2% cash back on purchases, plus a great
bonus offer and intro APR period. Read our review of the Wells Fargo Active
Cash® Card.
* U.S. Bank Visa® Platinum Card: 0% intro APR for 18 billing cycles on
purchases and balance transfers, and then the ongoing APR of 18.74%-29.74%
Variable APR Read our review of the U.S. Bank Visa® Platinum Card.
* Citi® Diamond Preferred® Card: 0% Intro APR for 21 months on Balance
Transfers and 12 months on Purchases, and then the ongoing APR of
18.24%-28.99% Variable APR Read our review of the Citi® Diamond Preferred®
Card.
Top low interest credit cards
* Discover it® Cash Back: This card offers a high rewards rate in rotating
categories, a good intro APR offer and an unusual bonus that could become a
windfall. Read our review of the Discover it® Cash Back.
* Chase Freedom Unlimited®: Earn bonus cash back in popular categories,
including dining and some travel, plus a relatively high rate on everything
else. There's a solid bonus offer, too. Read our review of the Chase Freedom
Unlimited®.
* Wells Fargo Active Cash® Card: Enjoy 2% cash back on purchases, plus a great
bonus offer and intro APR period. Read our review of the Wells Fargo Active
Cash® Card.
* U.S. Bank Visa® Platinum Card: 0% intro APR for 18 billing cycles on
purchases and balance transfers, and then the ongoing APR of 18.74%-29.74%
Variable APR Read our review of the U.S. Bank Visa® Platinum Card.
* Citi Custom Cash® Card: Bonus rewards that adjust automatically, making sure
you earn the highest cash-back rate in the category where you spend the most
money. Read our review of the Citi Custom Cash® Card.
Top cash back credit cards
* Wells Fargo Active Cash® Card: Enjoy 2% cash back on purchases, plus a great
bonus offer and intro APR period. Read our review of the Wells Fargo Active
Cash® Card.
* Chase Freedom Unlimited®: Earn bonus cash back in popular categories,
including dining and some travel, plus a relatively high rate on everything
else. There's a solid bonus offer, too. Read our review of the Chase Freedom
Unlimited®.
* Capital One SavorOne Cash Rewards Credit Card: Food and entertainment rewards
are the centerpiece of this no-fee card, which pays an unlimited 3% cash back
at restaurants and grocery stores, but also on streaming and more. Read our
review of the Capital One SavorOne Cash Rewards Credit Card.
* Discover it® Cash Back: This card offers a high rewards rate in rotating
categories, a good intro APR offer and an unusual bonus that could become a
windfall. Read our review of the Discover it® Cash Back.
* U.S. Bank Cash+® Visa Signature® Card: You get to choose two categories each
quarter that earn 5% cash back (up to a spending cap) and one category for
unlimited 2% cash back. Everything else earns 1%. Read our review of the U.S.
Bank Cash+® Visa Signature® Card.
Top rewards credit cards
* Chase Freedom Unlimited®: Earn bonus cash back in popular categories,
including dining and some travel, plus a relatively high rate on everything
else. There's a solid bonus offer, too. Read our review of the Chase Freedom
Unlimited®.
* Capital One Venture Rewards Credit Card: Unlimited 2X miles on purchases,
plus a great bonus offer and an expanding array of perks. Read our review of
the Capital One Venture Rewards Credit Card.
* Wells Fargo Active Cash® Card: Enjoy 2% cash back on purchases, plus a great
bonus offer and intro APR period. Read our review of the Wells Fargo Active
Cash® Card.
* Chase Sapphire Preferred® Card: Bonus rewards on travel and dining,
super-flexible points and a terrific bonus offer have long made this card a
favorite among travelers. Read our review of the Chase Sapphire Preferred®
Card.
* Capital One SavorOne Cash Rewards Credit Card: Food and entertainment rewards
are the centerpiece of this no-fee card, which pays an unlimited 3% cash back
at restaurants and grocery stores, but also on streaming and more. Read our
review of the Capital One SavorOne Cash Rewards Credit Card.
Top building credit credit cards
* Self Visa® Secured Card: Read our review of the Self Visa® Secured Card.
* Mission Lane Visa® Credit Card: Although it usually charges an annual fee,
the Mission Lane Visa® Credit Card could be a reasonable option for someone
building or rebuilding credit who doesn't want to tie up money in a security
deposit. Not everyone will qualify, but the issuer lets you see whether you
do before you apply. Read our review of the Mission Lane Visa® Credit Card.
* Capital One Quicksilver Secured Cash Rewards Credit Card: You’ll get
comprehensive credit reporting, the chance to upgrade to an unsecured product
and the ability to earn rewards. Read our review of the Capital One
Quicksilver Secured Cash Rewards Credit Card.
* Capital One Platinum Secured Credit Card: Secured cards typically require an
upfront deposit of several hundred dollars, and the amount determines your
credit limit, but the Capital One Platinum Secured Credit Card may offer
valuable flexibility. Read our review of the Capital One Platinum Secured
Credit Card.
Top student credit cards
* Discover it® Student Chrome: The rewards structure's simplicity is appealing
to busy college students. Read our review of the Discover it® Student Chrome.
* Capital One SavorOne Student Cash Rewards Credit Card: Bonus cash back on
dining, entertainment and popular streaming services, as well as at grocery
stores. Read our review of the Capital One SavorOne Student Cash Rewards
Credit Card.
* Discover it® Student Cash Back: For students willing to put in a little work
managing their rewards, this card can be lucrative. Read our review of the
Discover it® Student Cash Back.
* Bank of America® Travel Rewards credit card for Students: For travel-loving
students who have already established credit, the Bank of America® Travel
Rewards credit card for Students offers excellent value. Read more about the
Bank of America® Travel Rewards credit card for Students.
Top fair credit credit cards
* Mission Lane Cash Back Visa® Credit Card: The Mission Lane Cash Back Visa®
Credit Card is a great option for people who aren't sure whether their credit
is good enough to qualify for a rewards card. The issuer's prequalification
process lets you see the offer you're eligible for before you actually apply.
Read our review of the Mission Lane Cash Back Visa® Credit Card.
* Capital One QuicksilverOne Cash Rewards Credit Card: Designed for people with
fair or average credit, this card offers the same 1.5% cash back as the
regular Quicksilver card for good credit, although it charges an annual fee.
Read our review of the Capital One QuicksilverOne Cash Rewards Credit Card.
* Discover it® Student Chrome: The Discover it® Student chrome is the rate
student card with an introductory APR period for purchases. Some applicants
may also qualify for a fairly low ongoing rate. Read our review of the
Discover it® Student Chrome.
* Capital One Platinum Credit Card: This is a straightforward, no-annual-fee
card for people looking to build credit. Read our review of the Capital One
Platinum Credit Card.
* Upgrade Cash Rewards Visa®: This hybrid credit card/personal loan product is
an interesting option for people with lower scores. Read our review of the
Upgrade Cash Rewards Visa®.
Top business credit cards
* Ink Business Unlimited® Credit Card: This card earns unlimited 1.5% cash back
on all purchases. It comes with a terrific bonus offer for a card with no
annual fee. Read our review of the Ink Business Unlimited® Credit Card.
* Ink Business Cash® Credit Card: Earn bonus cash back in common business
spending categories. This card also dangles a big sign-up bonus. Read our
review of the Ink Business Cash® Credit Card.
* The Blue Business® Plus Credit Card from American Express: Earn 2 points per
dollar spent on the first $50,000 in purchases each calendar year and 1 point
per dollar after that. Terms apply. Read our review of the The Blue Business®
Plus Credit Card from American Express.
* The American Express Blue Business Cash™ Card: Earn 2% cash back on the first
$50,000 in purchases each calendar year and 1% cash back after that. Terms
apply. Read our review of the The American Express Blue Business Cash™ Card.
• • • • •
WHAT'S THE BEST CREDIT CARD FOR ...
THE 2023 NERDWALLET BEST-OF AWARD WINNERS
Each year, NerdWallet's Credit Cards team selects the best credit card in each
of an array of categories for the NerdWallet Best-Of Awards. Below are the
selections for 2023. Keep in mind that these are not the only good options in
each category. There might even be a different credit card that fits your needs
more closely (see the "other options" in each category for, well, other
options). But most people can't go wrong with these award-winners.
Empty Table Header
WINNER (Click to read review)
WHY IT MADE THE LIST
OTHER OPTIONS
Best credit card for simple cash back
Wells Fargo Active Cash® Card
You’ll get 2% cash back on all purchases and a rich sign-up bonus with a single
card. That’s market-leading, and makes this card ideal for everyday spending.
Best cash-back credit cards
Best credit card for bonus cash back
Chase Freedom Flex℠
You’ll get rotating 5% cash-back categories as well as fixed bonus categories
paying 3% to 5%, like dining and some travel.
Best cash-back credit cards
Best all-purpose travel rewards credit card
Chase Sapphire Preferred® Card
For a reasonable fee you’ll earn rich, flexible rewards in many categories, with
multiple transfer partner options, an annual hotel credit, anniversary points
and a big sign-up bonus.
Best travel credit cards
Best premium travel credit card
Chase Sapphire Reserve®
Get a yearly $300 travel credit, airport lounge access, multiple transfer
partners, TSA PreCheck or Global Entry credit and rich rewards on travel and
dining.
Best premium credit cards
Best balance transfer credit card
BankAmericard® credit card
This card saves a bundle on interest with its super-long 0% intro APR period on
balance transfers (and new purchases), for a low transfer fee.
Best balance transfer credit cards
Best 0% APR card for purchases
Bank of America® Customized Cash Rewards credit card
It starts with a big bonus and gives long breathing room on sky-high interest.
Plus, the potential to earn 3% on your big purchase, depending on category.
Best 0% credit cards
Best airline credit card
Delta SkyMiles® Gold American Express Card
Bonus rewards at restaurants and U.S. supermarkets help rack up miles faster. A
generous checked-bag benefit and other perks make travel easier. Terms apply.
Best airline credit cards
Best hotel credit card
World of Hyatt Credit Card
The card earns solid rewards and is packed with perks, including a free night
every year and a chance to earn a second one, on top of a valuable sign-up
bonus.
Best hotel credit cards
Best credit card for college students
Capital One SavorOne Student Cash Rewards Credit Card
Earn triple rewards on everyday spending categories like dining, entertainment,
streaming and groceries, all for no annual fee. Plus, it offers a cash sign-up
bonus.
Best college student credit cards
Best credit card for building credit
Discover it® Secured Credit Card
This card offers ideal features for its category, like no annual fee and
automatic reviews for a potential upgrade to an unsecured card. It even earns
rewards.
* Best credit cards for bad credit
* Best starter credit cards
* Best credit cards for fair or average credit
Best credit card for dining
U.S. Bank Altitude® Go Visa Signature® Card
This card offers what few others can: 4x dining rewards for no annual fee. It’s
also decent for groceries, gas and streaming, and comes with a sign-up bonus.
Best credit cards for restaurants
Best credit card for groceries
Blue Cash Preferred® Card from American Express
An industry-leading cash back rate at U.S. supermarkets makes it worth the
annual fee. Generous rewards in other categories just add to the appeal. Terms
apply.
Best credit cards for groceries
Best credit card for gas
Citi Custom Cash® Card
It's a versatile card, but use it just for gas and you’ll earn an impressive 5%
back per billing cycle, up to $500 spent — for no annual fee.
Best credit cards for gas
Best credit card for entertainment
Capital One SavorOne Cash Rewards Credit Card
Triple cash back on entertainment, dining, groceries and popular streaming — all
for no annual fee — make it an ideal card for amusement both at home and away.
Best credit cards for entertainment spending
Best credit card for small business
The American Express Blue Business Cash™ Card
Straightforward, valuable rewards plus a great intro offer and no annual fee
will please many busy entrepreneurs. This card delivers all that and more. Terms
apply.
Best small-business credit cards
• • • • •
A BEGINNER'S GUIDE TO CREDIT CARDS
HOW CREDIT CARDS WORK
The idea behind credit cards is simple: When you use a credit card, you are
borrowing money to pay for something. Later on, you must repay what your
borrowed. If you take time to pay it back (rather than pay it in full when your
credit card statement comes), you'll be charged interest. The whole credit cards
industry rests on this basic premise.
A basic credit card transaction works like this:
1. You use your card. When it comes time to pay for something, you use your
card at the cash register by running it through a card reader (or, if you're
online, you enter your card information on the checkout page).
2. The purchase is authorized. The card reader contacts your credit card
company to make sure the card is valid for the purchase amount. Assuming
everything is OK, the transaction is authorized.
3. The merchant gets paid. The bank that issued your credit card sends money
for the purchase to the merchant where the transaction took place.
4. You pay. The transaction shows up on your credit card statement, and you
repay the bank for the purchase.
HOW CREDIT CARD REWARDS WORK
TYPES OF REWARDS
Many of the best credit cards give you rewards for your spending. Rewards come
in two basic flavors:
* Cash back. You can use cash back to directly reduce your balance. In some
cases, you can have your cash back deposited in a bank account or sent to you
as a check.
* Points or miles. Points and miles can be redeemed for travel, gift cards,
merchandise or other things. You may also have the option of redeeming points
for credit on your statement, just like cash back.
» MORE: Cash back vs. travel — how to choose credit card rewards
The card issuer sets the rewards rate that applies on your card. There are two
basic kinds of rewards structures:
* Flat rate. You get the same rewards rate on all spending done with the card,
regardless of what you spend money on. You might get 2 points per dollar on
all purchases, or 1.5% cash back on everything.
* Bonus rewards. You earn a base rate on all spending (typically 1 point per
dollar or 1% cash back) and then higher rates in certain categories — 5% cash
back at gas stations, for example, or 3 points per dollar spent on travel.
Bonus rewards are awarded based on where you buy something, not what you buy.
Every merchant is assigned a category code; if your card pays bonus rewards
at grocery stores, for instance, you'll earn those rewards any time you pay
at a merchant with a category code that identifies it as a supermarket or
grocery store.
Many credit card users carry multiple cards with bonus rewards in different
categories, plus a flat-rate card for purchases that fall outside those
categories.
TRACKING YOUR REWARDS
The rewards you earn on your card are stored in a rewards account that you can
access when you log into your card account online or, often, from the issuer's
mobile app. Some issuers credit your rewards account for a purchase almost
immediately. In other cases, your rewards account will update when your billing
cycle closes and the issuer prepares your credit card statement, so it can take
several weeks for rewards from any particular purchase to show up in your
account.
THE REWARDS PROCESS
The rewards process works like this:
1. You make a purchase with your credit card.
2. The issuer calculates your rewards. If you have a card that earns bonus
rewards, the issuer looks at the category code of the merchant where you
made your purchase and then applies bonus rewards as necessary. Otherwise,
the issuer just calculates your rewards based on the flat rate.
3. The issuer credits your rewards to your account. As mentioned, it could take
anywhere from a few days to a few weeks for the rewards to show up.
4. You redeem rewards by logging into your account online. Cash-back
redemptions are pretty straightforward. Redeeming points or miles might
involve booking travel through an online tool similar to Orbitz or Expedia.
Every card is different.
» MORE: Where does the money for credit card rewards come from?
HOW CREDIT CARD INTEREST WORKS
When you borrow money from a bank, you usually have to pay interest, which is
the cost to you of using the bank's money. Credit cards are unusual in that
there is a way to avoid interest entirely. Most cards offer a "grace period": If
you pay your balance in full on each statement — meaning you don't roll over any
debt from one month to the next — you won't be charged interest. If you carry
debt, though, you'll be charged interest. Interest works like this:
1. Your card issuer sets your interest rate. In general, the better your
credit, the more likely you are to qualify for lower rates, but credit card
interest rates tend to be significantly higher than rates on other consumer
debt.
2. Your interest rate is listed on your credit card statement. It's expressed
as an annual rate, but in most cases it is charged on a daily basis. So if
your interest rate is 17.5% a year, it's actually charged at about 0.048%
per day.
3. When your billing cycle ends, your issuer calculates how much interest you
owe. Your interest charge is based on your daily balances and your daily
rate.
4. The interest charge is included in your next month's minimum payment. Credit
card interest generally does not compound — meaning, it does not get added
into your balance. You have to pay your full interest cost each month. Read
more about minimum payments.
» MORE: How credit card interest is calculated
DIFFERENT TYPES OF CREDIT CARDS
Credit card companies offer different kinds of cards to meet different consumer
needs. Some people put a lot of money on their cards every month and then pay
them off immediately; those people benefit from a card that returns a portion of
their spending in the form of rewards. Others tend to carry a balance from month
to month; they're better served with a card that offers a low ongoing interest
rate. Still others are working to improve their credit; issuers have cards
designed for those people, too.
Here are the major types of credit cards.
REWARDS CREDIT CARDS
These cards "pay you back" for a portion of your spending by giving you cash,
points or miles. See our roundup of the best rewards credit cards of 2023 for a
range of options for different types of users. Or look into specific types of
rewards cards:
* Cash-back credit cards give you, well, cash, which you can use to reduce your
balance or, in some cases, have deposited in a bank account or sent to you as
a check. See our best cash-back credit cards of 2023.
* General travel credit cards give you points that you can use to pay for
travel. Unlike cards tied to specific airline or hotel loyalty programs,
these cards offer a great deal of flexibility. You can use their rewards on
airlines, hotels and other expenses. See our best travel credit cards of
2023.
* Airline credit cards carry the name of a specific airline. When you use them,
you earn miles that you can redeem for free flights or upgrades on that
airline. These cards don't offer a lot of flexibility in terms of how you can
use your rewards, but they really pack in value with exclusive perks — free
checked bags, priority boarding, airport lounge access and more. See our best
airline credit cards of 2023.
* Hotel credit cards carry the name of a specific hotel group, and they earn
points that you can redeem for hotel stays. As with airline cards, the perks
can be fantastic — a free night every year, automatic upgrades, elite status
and so on. See our best hotel credit cards of 2023.
BALANCE TRANSFER CREDIT CARDS
These allow you to move debt from a high-interest card onto a new card and then
give you a year or more at 0% interest to pay that debt off. You'll often pay a
fee for the transfer, but the interest savings can be substantial. See our best
balance transfer credit cards of 2023.
LOW-INTEREST AND 0% CREDIT CARDS
These cards are best for those who expect to carry debt from month to month.
Zero-percent cards offer new cardholders a year or more of 0% interest on
purchases, making them suitable for a big expense. Low-interest cards might not
offer a 0% period, but they have a low ongoing rate that makes them a good
long-term option. See our best 0% and low-interest credit cards of 2023.
COLLEGE STUDENT CREDIT CARDS
These cards are designed specifically for college students who are just getting
started with credit. The application process takes into account the fact that
young people are unlikely to have a long credit history or a high-paying job. Be
aware, though, that simply being a college student is not enough on its own to
qualify. See our best college student credit cards of 2023.
SMALL BUSINESS CREDIT CARDS
These cards are designed for entrepreneurs and small-business owners. Their
rewards and perks are tailored toward businesses, and they offer perks like free
cards for employees and tools to track expenses. They're a step below corporate
cards, though; when you apply, the issuer takes your personal credit history
into account. See our best small business credit cards of 2023.
CREDIT CARDS FOR BUILDING CREDIT
The credit cards with the richest rewards, plushest perks, lowest interest rates
and longest 0% periods are available only to those with good to excellent
credit. If you're still building your credit (or rebuilding it after a misstep),
you'll want to hold off on applying for these cards until your score improves.
However, banks have designed cards specifically for people working to improve
their credit. Getting one of these cards and using it responsibly can go a long
way toward your goals:
* Credit cards for fair credit are intended for those with credit scores
roughly in the range of 630-689, sometimes also referred to as "average"
credit. See our best credit cards for fair credit of 2023.
* Credit cards for bad credit are intended for people with scores of less than
630. The best credit cards for bad credit are secured cards, which require
you to put down a cash deposit (which is refunded to you if you upgrade or
close the card in good standing). There are "unsecured" cards for bad credit
that don't require a deposit, but they tend to charge high fees. See our best
credit cards for bad credit of 2023.
* Secured credit cards, as mentioned above, require a refundable security
deposit, which is usually equal to your credit limit. (The more you deposit,
the higher your credit limit.) The deposit protects the issuer in case the
cardholder doesn't pay their bill, so these cards are usually easier for
people with lower credit scores to qualify for. Be aware that some secured
cards are available to people with no credit or a thin credit history but not
to people with damaged credit. See our best secured credit cards of 2023.
* "Alternative" credit cards are a fairly recent innovation designed for people
who have no credit or only a "thin" credit file. Rather than rely solely on
credit scores and other traditional methods of determining creditworthiness,
the companies behind these cards may look at the applicant's income, assets,
even their educational background and job category. See the best alternative
cards for no credit for 2023.
CHOOSING THE BEST CREDIT CARD FOR YOU
If you're a beginner to credit cards, see our step-by-step guide to choosing a
credit card. It starts by helping you figure out what cards you can qualify for,
then walks you through deciding what kind of card best fits your needs. The
process in short:
1. Check your credit. The higher your credit score, the more likely you are to
qualify for the best cards. NerdWallet offers free access to credit scores.
2. Decide on a broad card type. If your credit score needs work, get a card
designed for building or mending credit. Otherwise, choose between a card
that will give you rewards for your spending or one that will save you money
on interest.
3. Narrow your choices. If you want a rewards card, do you prefer cash back or
points, and how much effort are you willing to put into managing your
rewards? If you're looking to save money on interest, do you need a 0%
introductory period, or a low ongoing rate? Do you need to do a balance
transfer? Are you a student or a business owner who could benefit from a
specialized card?
4. Apply for a card that gives you the best overall value.
» MORE: How to pick the best credit card for you
COMPARING CREDIT CARD FEATURES
Every credit card delivers value in its own way, through its own unique
combination of features. And there are trade-offs involved. If you want rewards,
for example, you'll probably have to accept a higher interest rate. If you want
high-value perks, you'll likely pay an annual fee. If you want a low interest
rate and no fees, you shouldn't expect much else from the card. In other words,
you're unlikely to find a single card that offers a high rewards rate, a long 0%
period, a rock-bottom ongoing interest rate, generous perks and no annual fee.
Here are the main points of comparison when looking at credit cards.
ANNUAL FEE
Some people are dead-set against paying a fee just for the privilege of carrying
a credit card. But paying an annual fee is worth it in certain circumstances.
For example:
* To earn significantly better rewards rates.
* To unlock valuable perks, such as airport lounge access or free checked bags.
* To get a card when you might not otherwise be able to, such as by avoiding a
credit check.
With any annual fee, the math comes down to whether the value you get from the
card exceeds the dollar amount you pay. Still determined not to pay? See our
best credit cards with no annual fee of 2023.
OTHER FEES
Depending on what you plan to do with the card, you'll want to take these other
fees into account:
* Balance transfer fee. This is a charge you pay to move debt from one card to
another. Fees are typically 3% to 5% of the amount transferred, but some
cards don't charge a transfer fee, or they waive it for a time. See our best
credit cards with no balance transfer fee of 2023.
* Foreign transaction fee. Most cards charge a fee of up to 3% on purchases
made outside the U.S. If you travel internationally, getting a card that
doesn't charge this fee is a must. See our best credit cards with no foreign
transaction fee of 2023.
* Cash advance fee. Using your credit card to get cash is expensive. You'll
usually pay an upfront fee, the interest rate for cash advances is often
higher than for purchases, and in many cases, grace periods don't apply to
cash advances, so you start paying interest on them immediately. A few cards
don't charge a fee for cash advances. Some cards don't allow advances at all.
* Late fees and returned-payment fees. These fees can be steep, but they are
avoidable. Most cards charge them, but some do not.
» MORE: Credit card fees and how to avoid them
INTRODUCTORY INTEREST RATE
Credit card companies drum up business by offering people with good credit a low
introductory interest rate. A bunch of cards offer 0% on purchases and balance
transfers for a year or more. Some cards don't go as low as 0% but still offer a
lower introductory rate.
ONGOING INTEREST RATE
The ongoing rate is what you pay after any introductory rate expires. Some cards
charge a single rate for all cardholders; others allow for a range of rates
depending on your creditworthiness. In general, the better your credit, the more
likely you are to qualify for a low rate. That said, if you pay your balance in
full every month, your interest rate doesn't actually matter because you're
never charged interest.
Ongoing credit card interest rates are usually identified as "variable." That
means they can change under certain conditions. Most rates are tied to the prime
rate, which is the rate that big banks charge their best customers. Typically, a
credit card rate is set as the prime rate plus a certain number of percentage
points, so if your rate is "prime + 6" and the prime rate is 6%, then your rate
would be 12%. When the prime rate goes up (or down), so will your card's rate.
What's the lowest interest rate on any credit card? Although introductory
interest rates of 0% are common, you're not going to find an ongoing rate lower
than the prime rate. Still, some cards offer a rate just a few points above
prime. For super-low ongoing rates, your best bet is a credit union.
REWARDS
Cash-back cards refund a certain percentage of the purchase price. Other cards
give you a certain number of points or miles per dollar spent. Every card sets
its own rewards structure, so apples-to-apples comparisons can be difficult. But
when comparing rewards programs, think in terms of:
* Earn rate. What do you get for every dollar spent?
* Redemption value. How much do you get for your rewards when it comes time to
use them?
* Redemption options. How much flexibility do you have in using your rewards?
SIGN-UP BONUS
The sign-up bonus or welcome offer is a sum of cash (say, $150 or $200) or a
batch of points or miles (say, 40,000 points or 50,000 miles) that you can earn
by spending a certain amount of money in your first few months with a card. The
purpose is to get you in the habit of using the card. The bonuses on many travel
cards are often big enough to cover the card's annual fee for the first few
years. See our best credit card sign-up bonuses of 2023.
PERKS
Unlike rewards, which are what you receive for using a credit card, perks are
benefits you get just for carrying a card. With some cards, particularly travel
credit cards, it may be the perks that provide the bulk of the value. Premium
credit cards, which have annual fees of $450 and up, tend to offer the cushiest
perks. Airline credit cards and hotel credit cards can easily pay for their
annual fee with their perks. A full list of potential perks would be too long to
include here, but common examples include:
* Airline/airport benefits. Lounge access. Free checked bags. Priority
boarding. Elite status.
* Hotel benefits. Free nights. Automatic room upgrades. Early check-in/late
check-out. Free amenities. Elite status.
* Statement credits. Automatic credit for such things as travel expenses,
purchases from selected merchants or the application fee for trusted-traveler
programs.
* Purchase protections. Extended warranties. Protection in case of theft or
damage. Price protection (which refunds the difference if you find the same
item cheaper elsewhere). Return guarantees.
* Rental car coverage. Supplemental coverage on top of your own auto insurance
policy, or even primary coverage in place of your own policy. Learn about
credit card rental coverage.
* Cell phone insurance. Coverage in case of loss or damage. You usually have to
pay for your service with your card to qualify.
* Credit tracking and security. Free credit score. Credit monitoring services.
Ability to "lock" your card.
CREDIT-BUILDING HELP
When you're looking to build or restore credit, several features are more
important for you than for people who already have good credit.
* Reporting to credit bureaus. If you're using your card responsibly, you want
your credit score to reflect that. Make sure that your card reports payment
activity to all three credit bureaus, the companies that assemble credit
reports.
* Deposit requirements. If you're getting a secured credit card, you'll need
money for a security deposit. Minimum deposits are usually in the $200 to
$300 range.
* Upgrade opportunities. As your credit improves, it's nice to be able to
upgrade your account to a better card.
* Incentives for responsible behavior. Some cards might boost your rewards rate
if you pay on time, or give you access to a higher credit line.
HOW THE APPLICATION PROCESS WORKS
When you put in an application for a credit card, the card issuer makes its
decision based on how risky it believes it would be to lend money to you. The
issuer doesn't know you, of course, so it goes by information you provide (about
your employment, income and assets) and information contained in your credit
report.
The basic application process works like this:
1. You fill out an application for a card. Nowadays, this is usually done
online, but paper application forms still exist. The application typically
asks for:
* Your name, address, phone number and email address.
* Financial information, including your employment status and annual
income. The application may also ask about your assets (such as bank
accounts or investments) and your other obligations, such as your rent or
debt payments.
* Your birthdate and Social Security number. The issuer needs these to
access your credit report.
2. The issuer checks your credit. Many people think of their credit only in
terms of their credit score. But that three-digit number is really nothing
but a summary of the information in your credit report. It's the report that
issuers are interested in. You could have a great score but still be
rejected for a credit card because the issuer thinks you've applied for too
many new cards in the recent past, or because your debt obligations are too
big relative to your income.
3. If you meet the issuer's requirements, your application is approved. With
online applications, approvals are usually possible within minutes. (If your
application is rejected, you can usually expect to receive a written
explanation by mail in about a week to 10 days.)
4. Your new card comes in the mail. This typically happens within 10 business
days.
5. You activate your card. Do this by calling a phone number or going online.
Once it's activated, you can use it.
WHAT'S THE EASIEST CREDIT CARD TO GET APPROVED FOR?
Approval for a credit card is never guaranteed. Even if you have an excellent
credit score, an issuer could still decline your application because you don't
have enough income, or because you've opened several other cards recently, or
for some other reason. Plus, "easy" is a relative term. Someone with excellent
credit and a good income will usually qualify for most cards. Someone with a
middling credit score might struggle to get approved even with ample income.
With that in mind:
* In general, the lower the risk to the credit card issuer, the easier it is to
get approved. That's why secured credit cards are a recommended starting
point for people working to build or mend credit: The security deposit
requirement reduces the risk. See our best secured credit cards of 2023.
* If you've begun to build credit and have a score in the mid-600s, look at
credit cards for fair credit. These provide more benefits but don't require a
top-tier credit score. See our best credit cards for fair credit of 2023.
* Store credit cards are also generally easier to qualify for than bank cards.
They tend to have low credit limits and high interest rates, but they're a
viable credit-building tool provided you keep your balances low relative to
the limit and pay them off each month. See our best store credit cards of
2023.
HOW MANY CREDIT CARDS SHOULD YOU HAVE?
Just as there is no single best credit card for everyone, there is no perfect
number of credit cards to have. It depends on your needs and how much effort you
want to put into managing your credit cards. Some people carry one card and put
everything on it. Others have literally dozens of cards, and for each purchase
they use the card best suited for that transaction. When deciding how many is
right for you, keep in mind:
* There's no limit to how many cards you can have. Each lender evaluates your
credit on its own term, but there's no hard limit where you have "too many
cards."
* You don't need to have multiple cards to maintain good credit score. Credit
scoring formulas tend to reward you for having different types of accounts —
credit cards, mortgages, loans, etc. — but it's not necessary to have
multiple accounts of each type. One credit card, responsibly managed, is
enough.
ADVANTAGES OF CARRYING MULTIPLE CARDS
* Maximizing rewards: One card may pay you a higher rewards rate on groceries.
Another may reward you handsomely at restaurants, or on gas purchases, or for
spending on travel. Having multiple cards allows you to maximize your total
rewards.
* Flexibility: Some cards are more widely accepted than others. It’s good to
have a backup in situations where one card isn’t accepted. Additionally, if a
card is lost, stolen or compromised, you'll have another option while you
wait for a replacement.
* More available credit: A key factor in your credit score is your credit
utilization, or how much of your available credit you're using. Ideally,
you'll want to keep utilization below 30%. If you have a $500 balance on a
card with a $1,000 limit, your utilization is 50%. If you have $500 in
balances spread across three cards with limits of $1,000 each, your
utilization about is 17%.
RISKS OF CARRYING MULTIPLE CARDS
* Losing track of spending: The more cards you have, the harder it is to
remember how much you’ve spent on which card.
* Missing a payment: Multiple due dates increase the risk of missing a payment,
which can trigger a late fee or (if it's late enough) even damage your
credit.
CREDIT CARD COMPANIES
CREDIT CARD ISSUERS, NETWORKS AND CO-BRANDS
As you search for the best credit card for your needs, it will help to
familiarize yourself with the different types of companies in the industry. That
way, you'll know not only what to look for in a credit card but also where to
look for it. Every credit card has an issuer and a network. Many of them also
have co-brand partners. Each of these provides different kinds of benefits.
ISSUER
The issuer is the bank that maintains your credit card account. It could be a
huge bank like Chase, Capital One or Wells Fargo, or it could be your local bank
or credit union.
* The issuer takes your credit card application and decides whether you qualify
for the card. It sets your interest rate and charges any account fees.
* The issuer sends your statement every month and collects your payments.
* When you make a purchase on a credit card, you're borrowing money from the
issuer, and when you pay off your card, you're paying back the issuer.
* Benefits that come from the issuer: Rewards for your spending — cash back,
points or miles per dollar spent — are typically paid to you by the issuer.
The issuer may also provide perks (benefits you receive just for carrying the
card, regardless of whether you use it).
NETWORK
The payment network acts as a go-between for credit card transactions. Visa,
Mastercard, American Express and Discover are payment networks.
* The network determines where you can use your card.
* When you pay for something with a credit card, the network makes sure that
the transaction gets reported back to the issuer (so it shows up on your
statement) and that the merchant gets paid (by your issuer).
* American Express and Discover are special in that they are both issuers and
networks.
* Benefits that come from the network: Network-provided benefits tend to be
protections and perks, like rental car coverage or travel insurance. In some
cases, networks make certain benefits available on their cards, but it's up
to the issuer to decide whether a card will actually include them.
CO-BRAND PARTNER
The partner is a store, airline, hotel or other brand whose name appears on the
card and whose loyalty rewards program is tied to the card.
* Not all credit cards have co-brand partners.
* The partner administers the loyalty program linked to the card. For example,
if you have an American Airlines credit card, you earn miles with your
purchases. American operates the frequent-flyer program where you would use
those miles.
* Benefits that come from the co-brand partner: The co-brand partner lets you
redeem the rewards earned on the card and often provides additional perks to
cardholders, such as free checked bags for an airline card, automatic room
upgrades for a hotel card or discounts for a store card.
You can see how it works by taking a look at a few popular credit cards:
CARD
ISSUER
NETWORK
PARTNER
United℠ Explorer Card
Chase
Visa
United Airlines
Costco Anywhere Visa® Card by Citi
Citi
Visa
Costco
Hilton Honors American Express Card
American Express
American Express
Hilton Hotels
Capital One Platinum Secured Credit Card
Capital One
Mastercard
None
Wells Fargo Propel American Express® card
Wells Fargo
American Express
None
Discover it® Cash Back
Discover
Discover
None
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank
Visa
None
WHAT'S THE DIFFERENCE BETWEEN VISA AND MASTERCARD?
This is one of the most common questions about credit card companies. Just about
every place that takes credit cards takes both Visa and Mastercard, with only a
couple of exceptions (such as Visa-only Costco), so consumers are left wondering
whether there's a difference at all.
The most important thing to remember is that neither Visa nor Mastercard issues
credit cards. These companies are just payment networks that process
transactions. Most of the benefits that come with a card are provided by the
card issuer, not the network. And since their acceptance rates are nearly
identical, you're better off focusing on the features of individual cards rather
than which network they operate on. Read more about Visa vs. Mastercard.
WHAT'S THE BEST CREDIT CARD COMPANY?
Just as there is no single best credit card for everyone, consumers have widely
different opinions about the best (and worst) credit card issuers. One person
could get the runaround from customer service and rate a bank zero stars as a
result, while another has nothing but positive experiences and gives it five
stars across the board. Still, some trends emerge in customer satisfaction
surveys.
J.D. Power conducts an annual study of satisfaction among major credit card
issuers. It separates the results into "national" and "midsize" issuers. The
survey regularly rates Discover and American Express at the top among the
biggest issuers. In the most recent study, a new contender emerged for the top
slot among midsize issuers: Goldman Sachs, issuer of the Apple Card. USAA and
Navy Federal Credit Union tend to have the highest ratings of all, but keep in
mind that only people affiliated with the military are eligible for USAA or Navy
Federal products.
J.D. POWER 2022 CREDIT CARD SATISFACTION STUDY
NATIONAL ISSUERS
SCORE*
Empty Table Header
MIDSIZE ISSUERS
SCORE*
USAA
860
Navy Federal Credit Union
876
American Express
848
Goldman Sachs
843
Discover
841
TD Bank
808
Bank of America
818
Fifth Third
806
SEGMENT AVERAGE
814
PNC (including BBVA)
806
Chase
813
Huntington
804
Capital One
812
Citizens Bank
801
Citi
808
SEGMENT AVERAGE
800
Barclays
797
FNBO
795
Wells Fargo
797
KeyBank
793
U.S. Bank
791
Merrick Bank
789
Synchrony
786
Truist (formerly BB&T and SunTrust)
789
Credit One
738
BMO Harris
771
Premier Bankcard
734
* J.D. Power's "Satisfaction Index" uses a scale of 0 to 1,000.
HSBC
724
• • •
Frequently asked questions
What's the best credit card?
No single credit card is the best for everyone. It all depends on how you use
credit and how strong your credit is.
A rewards credit card gives you a little something back with each purchase you
make — usually cash back or travel points or airline miles. These cards are best
for people who can pay their credit card bill in full each month. If you carry a
balance from one month to the next, the interest you pay will eat up the value
of your rewards.
A zero percent credit card is ideal if you're looking to finance a big purchase
or pay down high-interest debt by way of a balance transfer. If you tend to
carry a balance month to month, look for a card with low ongoing interest rate.
A credit-building card is designed for people who are just starting out with
credit or are trying to bounce back from damaged credit. Rewards cards and
zero-percent cards are available mostly to people with good to excellent credit;
for those who aren't there yet, there are credit-building cards. There are
options for bad credit, for fair or average credit and for people with no credit
history.
What's the easiest credit card to get?
Secured credit cards require you to provide a cash security deposit to open an
account. Because that deposit protects the card company from risk, secured cards
are much easier to qualify for than other cards. You're not guaranteed approval
for a secured card, but the bar is much lower than for regular cards. Store
credit cards are also generally easier to qualify for than bank cards.
What's the best credit card company?
Just as there is no single best card for everyone, consumers have widely
different opinions about the best (and worst) credit card issuers. One person
could get the runaround from customer service rep and rate a bank zero stars as
a result, while another has nothing but positive experiences and gives it five
stars across the board. Still, some trends emerge in customer satisfaction
surveys.
J.D. Power conducts an annual study of satisfaction among major national and
regional credit card issuers. It regularly rates Discover and American Express
at the top among mass-market issuers. In the most recent study, USAA and Navy
Federal Credit Union had the highest ratings of all, but keep in mind that only
people affiliated with the military are eligible for USAA or Navy Federal
products.
ABOUT THE AUTHOR
PAUL SOUCY
PAUL HAS BEEN THE LEAD CREDIT CARDS EDITOR AT NERDWALLET SINCE 2015. PREVIOUSLY,
HE WORKED AT USA TODAY AND THE DES MOINES REGISTER, THEN BUILT A FREELANCE
WRITING AND EDITING BUSINESS FOCUSED ON PERSONAL FINANCE TOPICS. HE HAS A
BACHELOR'S DEGREE IN JOURNALISM AND AN MBA. READ MORE
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