The banks with the best credit cards are Capital One, Citibank, Bank of America and Discover. These top 10 credit card companies all have good credit card offers for people across the creditworthiness spectrum. However, most major banks offer at least one credit card that would be best for someone.
People have different opinions on the best credit card company for one reason or another. Customer service is important to some credit card users. Others are attracted to credit card companies with a particularly trustworthy reputation. But none of that matters as much as a card’s terms. The bank with the best credit card for you is whichever bank gives the best combination of rewards, interest rates and fees that you can get approved for. It doesn’t really matter which credit card company issues the card, so long as it serves you well.
Availability plays a big role, though. The credit card companies with the best overall credit card offers aren’t always the best credit card companies for everyone. If a bank’s or credit union’s credit cards all require good or excellent credit for approval, for example, it probably won’t seem like the best option to people with bad, limited or fair credit. Some credit card companies focus on those creditworthiness segments more than others, including a number of reputable new issuers.
All things considered, the best credit card company will depend on what you’re looking for and what type of credit card you can qualify for. If your priority is a card issuer’s customer service, overall reputation, or other defining qualities, check out WalletHub’s latest Credit Card Customer Satisfaction Study.