The best credit card overall is the Citi® Double Cash Card – 18 month BT offer because it gives users 2% cash back on all purchases (1% when you buy, 1% when you pay) and has a $0 annual fee. Those features make the Citi Double Cash Card ideal for everyday purchases. Citi Double Cash also gives new cardholders an introductory APR of 0% for 18 months* on balance transfers. The average household has more than $8,000 in credit card debt, so a long 0% balance transfer period could lead to lots of savings.
The title of 2019’s best credit card could go a lot of different ways, though. There are many worthy candidates, each of which excel in different areas. For example, the best credit cards for travel rewards, Capital One® Venture® and Barclaycard Arrival Plus ($500+ initial bonuses), are different than the best 0% credit cards: U.S. Bank Visa® Platinum Card (new purchases) and The Amex EveryDay® Credit Card from American Express (balance transfers).
Keep that in mind as you consider WalletHub’s picks for the best of the year’s best credit card offers, which can be found below.
It’s important to remember that lots of credit cards have great terms in one or more categories, but even the best credit card offers aren’t perfect. So it's easiest to identify the best credit card for your needs if you know exactly what you’ll be using it for.
Plus, you can get great terms for every transaction that you make by following the Island Approach. That means using a few different cards for specific purposes. For example, you could have separate cards for earning rewards on everyday purchases, doing a balance transfer and saving money at your favorite store.
Finally, knowing your credit score is crucial to finding the right credit card. If you don’t know where you currently stand, you can check your latest credit score for free on WalletHub. The top credit cards overall require good or excellent credit for approval.
The title of 2019’s best credit card could go a lot of different ways, though. There are many worthy candidates, each of which excel in different areas. For example, the best credit cards for travel rewards, Capital One® Venture® and Barclaycard Arrival Plus ($500+ initial bonuses), are different than the best 0% credit cards: U.S. Bank Visa® Platinum Card (new purchases) and The Amex EveryDay® Credit Card from American Express (balance transfers).
Keep that in mind as you consider WalletHub’s picks for the best of the year’s best credit card offers, which can be found below.
Here are 2019's Best Credit Cards:
| Card Name | Best For: | Annual Fee | Credit Required |
| Barclaycard Arrival® Plus World Elite Mastercard® | Best Credit Card Rewards Deal | None 1st yr, $89 after | Good |
| Citi® Double Cash Card – 18 month BT offer | Best Credit Card for Cash Back | $0* | Good |
| Capital One® Venture® Rewards Credit Card | Best Credit Card for Travel | $0 for 1st yr, $95 after | Good |
| Journey® Student Rewards from Capital One® | Best Credit Card for Students | $0 | Limited History |
| The Amex EveryDay® Credit Card from American Express | Best Credit Card for Balance Transfers | $0 | Good |
| Discover it® Secured | Best Credit Card for Bad Credit | $0 | Limited History |
| Capital One® Platinum Credit Card | Best Credit Card for Young Adults | $0 | Limited History |
| U.S. Bank Visa® Platinum Card | Best Credit Card for 0% APR Purchases | $0 | Excellent |
It’s important to remember that lots of credit cards have great terms in one or more categories, but even the best credit card offers aren’t perfect. So it's easiest to identify the best credit card for your needs if you know exactly what you’ll be using it for.
Plus, you can get great terms for every transaction that you make by following the Island Approach. That means using a few different cards for specific purposes. For example, you could have separate cards for earning rewards on everyday purchases, doing a balance transfer and saving money at your favorite store.
Finally, knowing your credit score is crucial to finding the right credit card. If you don’t know where you currently stand, you can check your latest credit score for free on WalletHub. The top credit cards overall require good or excellent credit for approval.
