The title of 2018’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: Wells Fargo Platinum Visa® Card (new purchases) and Chase Slate® (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.
|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|
|Chase Slate®||Best Credit Card for Balance Transfers||None||Excellent|
|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|
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.