How good is your credit?

Credit Card Offers
WalletHub experts track 1,500+ offers to help you get the right credit card
FILTER CREDIT CARD OFFERS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}

- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit

- 80,000 points offer
- Hundreds in annual credits
- $695 annual fee
- Limited financing capabilities
- No preset spending limit

- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Above-average regular APR

- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- High regular APR
- Foreign fee

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases

- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee

- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR

- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit

- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee

- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Rotating categories which require activation
- Balance transfer fee
WalletHub's Research
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to compare credit cards.
Notable credit card offers
Credit Card | Best For | Annual Fee | Credit Required |
Chase Freedom Unlimited® | Winner | $0 | Good |
Wells Fargo Active Cash® Card | Everyday Cash Back | $0 | Good |
Wells Fargo Reflect® Card | 0% Intro APR | $0 | Good |
Discover it® Secured Credit Card | Bad Credit | $0 | Bad |
Capital One Platinum Credit Card | No Credit | $0 | Limited History |
Blue Cash Preferred® Card from American Express | Good Credit | $0 intro 1st yr, $95 after | Good |
Picking the right credit card for your needs might seem a bit daunting, but we’ve done the research to make things as easy as possible for you.
WalletHub's editors compared 1,500+ credit card offers in order to pick the best credit cards in the most popular categories, based on rewards, rates, fees, approval requirements and benefits.
How we picked the most notable credit card offers
The notable credit card offers that WalletHub’s editors decide to highlight are selected after a comparison of more than 1,500 credit cards, spanning different credit ratings, types of users, and features. Selections are ultimately made according to how much each card can be expected to save its target user. Although some cards may come from WalletHub partners, editors’ picks are based solely on cardholder savings.
Types of credit cards
There are six main types of credit cards:
- Standard unsecured credit cards
- Secured credit cards
- Credit cards for students
- Small business credit cards
- Store credit cards
- Charge cards
All of them work pretty much the same way and will improve your credit if used responsibly, but they differ in terms of certain special features or requirements and who typically uses them.
It’s also worth pointing out that more than 1,500 credit card offers are available, so how many different types of credit cards there are really depends on how you look at it.
On the one hand, you could group cards based on whether they require you to place a refundable security deposit. Secured credit cards do; unsecured credit cards don’t.
You could also segment things based on where a card can be used. Credit cards with the Visa, Mastercard, American Express or Discover logo can be used anywhere. Store credit cards can only be used at the retailers they’re affiliated with.
Or you could split up the offers based on whether they require you to pay your bill in full every month. Charge cards do; other credit cards don’t. But at the end of the day, finding the best credit card for your needs is all that really matters.
4 things to know before you apply for a credit card
- What your credit score is
The very best credit cards require good credit or better, which means a 700+ credit score. There are credit cards for people of all credit levels, though, including people with bad credit or no credit. Knowing where you stand will help you identify the right cards to consider, and you can check your latest credit score for free on WalletHub.
- How you plan to use the credit card
If you plan to pay your bill in full every month, focus on comparing the cards’ rewards and annual fees. If you want to avoid interest, concentrate on credit cards offering 0% introductory APRs on purchases or balance transfers, depending on whether or not you already owe the money. And if you’re just trying to build or rebuild your credit, aim for low fees and high approval odds.
- How long you expect to keep the account open
Ongoing features such as annual fees and regular rewards rates become more and more important the longer you plan to have the card. On the other hand, there are times when it will make more sense to capitalize on short-term deals like initial rewards bonuses and low intro APRs. When it comes to initial bonuses, you’ll also want to make sure you’re in a position to spend enough to trigger the bonus in the allotted time frame without overburdening yourself.
- How soon you’ll need your credit score for a big-money transaction
Applying for a new credit card account usually results in a hard inquiry into your credit history, which can cause your credit score to drop a bit temporarily. This shouldn’t be a problem unless you plan to apply for a mortgage or an auto loan in the near future, however. You can estimate how long it will take your score to recover using WalletHub’s Free Credit Score Simulator.
Popular credit card issuers by company
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Credit Card Offers FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
show less
Searching for answers... No Matching Results
Featured Credit Cards
Expert Opinions
To help educate people on the possibilities, we asked a panel of experts to share their thoughts on the following questions. You can meet our expert panel and check out their comments below.
- Should everyone have at least one credit card?
- Has it become easier or harder to get a credit card in recent years?
- Are credit cards safer now than before the Great Recession?
- What tips do you have for someone who is applying for a credit card?
- Are consumers good at picking credit cards? What are the biggest pitfalls?
Ph.D., CFP®, Assistant Professor, Director of Financial Planning and Financial Literacy, School of Business and Leadership, University of Charleston
Read More
Ph.D., Professor and Stephen L. Clark Chair of Real Estate and Finance, Director, WSU Center for Real Estate, Wichita State University, W. Frank Barton School of Business
Read More
Ph.D., Professor of Finance, University of Tennessee-Martin, UT Alumni Association Distinguished Service Professor, Managing Director, UT-Martin TVA Investment Challenge Program, SMIFC Board Advisor and Co-Founder, Department of Accounting, Finance, Economics and Political Science, College of Business and Global Affairs
Read More
Ph.D., Barnabas Professor of Finance Emeritus, University of Central Oklahoma
Read More
Lecturer of Business, Colorado Mesa University, Davis School of Business
Read More
Assistant Professor, University of La Verne-Applied Business Sciences and Economics Department
Read More
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: