John S Kiernan, Managing Editor
@John
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, and 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.
Popular Credit Cards in February 2026 from Our Partners
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Low Intro APR & Bonus Rewards
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Everyday Cash Back
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Building Credit
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0% Intro APR
People also ask
What is the most widely accepted credit card?
Visa and Mastercard are the most widely accepted credit cards, as both types can be used at 100+ million locations in 200+ countries and territories. Mastercard is accepted in more countries than Visa, yet roughly 20 million more merchants worldwide take Visa. Both have a claim to the title of most widely accepted credit card as a result. Visa is also the most widely used type of credit card.
There isn’t a single credit...
read full answer by WalletHub, Financial CompanyHow often do new credit card companies launch?
New credit card companies do not launch very often, but the rate has increased in recent years due to the technological advancements behind the fintech boom.
The newest credit card company is Brex, which launched in late 2018. Brex is a San-Francisco-based credit card startup that offers business credit cards and financial services tailored to technology companies. Similarly, Petal debuted its cash back credit card for people with limited or no credit in 2016....
read full answer by WalletHub, Financial CompanyWhat's the easiest unsecured credit card to get approved for?
The easiest unsecured credit cards to get include the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. People with bad credit can get the OneMain Financial BrightWay® Card, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for those with no credit.
Easiest Unsecured Credit Cards to Get
- Best for No Deposit: OneMain Financial BrightWay® Card
- Best for No Credit: Petal® 2 Visa® Credit Card
- Best for Cash Rewards: Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Best for Students: Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Best for Business: Capital One Spark Classic for Business *
- Best for Building Credit:...
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