Credit Cards
WalletHub makes it easy to find the right credit card offer.
Popular Credit Card Categories
- Best Overall: Chase Freedom Unlimited®
- Bad Credit: Discover it® Secured Credit Card
- No Credit: Capital One Platinum Credit Card
- Build Credit: Petal® 2 Visa® Credit Card
- Student: Bank of America® Cash Rewards Credit Card for Students
- 0 APR: Wells Fargo Platinum card
- Good Credit: Blue Cash Preferred® Card from American Express
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Diamond Preferred® Card
Discover it® Cash Back Discover it® Cash Back
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- See More Details & Reviews About TheDiscover it® Cash Back
Wells Fargo Platinum card Wells Fargo Platinum card
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
- Convenient tools to help create a budget and manage your spending with My Money Map
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Platinum card
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer

- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Capital One Platinum Credit Card Capital One Platinum Credit Card

- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
- See More Details & Reviews About TheCapital One Platinum Credit Card
SoFi Credit Card SoFi Credit Card

- Earn 2 points on all eligible purchases which can be redeemed for 2% cash back towards investing, saving, or paying down an eligible loan with SoFi or 1% cash back as statement credit.*
- Earn up to $100 when you open and fund a SoFi Money and a SoFi Invest account after getting approved for the SoFi Credit Card. Terms apply.
- When you make 12 on-time payments, we’ll lower your APR by 1%.*
- No annual fee.
- No foreign transaction fees.
- *See terms and conditions here.
- See More Details & Reviews About TheSoFi Credit Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 10+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
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Best Credit Card Offers of April 2021
Chase Freedom Unlimited® – Best Credit Card Overall
Why You Should Apply for this Credit Card: Chase Freedom Unlimited® is the best credit card overall because it offers a $0 annual fee, an introductory APR of 0% for 15 months on new purchases (14.99% - 23.74% (V) thereafter), and great rewards.
In addition to ongoing rewards of 1.5 - 5% cash back, depending on the purchase category, new cardholders can earn an initial bonus of $200 by spending $500 within 3 months of opening an account. Plus, Chase Freedom Unlimited® is available to people with good credit or better.
Discover it® Secured Credit Card – Best Credit Card for Bad Credit
Why You Should Apply for this Credit Card: The Discover it® Secured Credit Card is the best credit card for bad credit because it has a $0 annual fee, offers great rewards, and reports monthly to the major credit bureaus. Responsible use can therefore help you improve your credit score and save money.
Capital One Platinum Credit Card – Best Credit Card for No Credit
Why You Should Apply for this Credit Card: The Capital One Platinum Credit Card is the best credit card for people with no credit because it has a $0 annual fee, reports to the credit bureaus each month, and accepts applicants with limited or no credit history. Capital One Platinum does not offer rewards, but it will help you build your credit inexpensively as long as you pay the monthly bills on time.
Petal® 2 Visa® Credit Card – Best Credit Card to Build Credit
Why You Should Apply for this Credit Card: The Petal® 2 Visa® Credit Card is the best credit card to build credit with because it is inexpensive, rewarding, and capable of helping newcomers establish credit history as well as improve their credit score. More specifically, this card has a $0 annual fee, rewards cardholders with 1 - 1.5% cash back, and reports monthly to all three major credit bureaus.
Bank of America® Cash Rewards Credit Card for Students – Best Credit Card for Students
Why You Should Apply for this Credit Card: The Bank of America® Cash Rewards Credit Card for Students is the best credit card for students because it’s easy for students to get and it offers great terms. There is a $0 annual fee, an initial bonus of $200 for spending $1,000 in the first 90 days months, ongoing rewards of 1 - 3% cash back, and an introductory APR of 0% for 15 months on new purchases (13.99% - 23.99% (V) thereafter).
U.S. Bank Visa® Platinum Card – Best Credit Card for 0% intro APR
Why You Should Apply for this Credit Card: The U.S. Bank Visa® Platinum Card is the best credit card for low interest rates because it offers 0% for 20 months on new purchases as well as 0% for 20 months on balance transfers (14.49% - 24.49% (V) thereafter). That’s a lot longer than average in both categories. This card also has a $0 annual fee. Its balance transfer fee is 3% (min $5).
Blue Cash Preferred® Card from American Express – Best Credit Card for Good Credit
Why You Should Apply for this Credit Card: The Blue Cash Preferred® Card from American Express is the best credit card for good credit because it offers the most rewards value overall, thanks to a number of attractive bonuses. Blue Cash Preferred starts new cardholders out with a $300 statement credit for spending $3,000 in the first 6 months months. It also offers great ongoing rewards, with U.S. supermarkets, U.S. streaming services, U.S. gas stations, and transit expenses earning bonus rewards. As a result, relatively heavy spenders will find the card’s $0 intro 1st yr, $95 after annual fee to be a bargain.
Citi® Double Cash Card – 18 month BT offer – Best Cash Back Credit Card
Why You Should Apply for this Credit Card: The Citi® Double Cash Card – 18 month BT offer is the best credit card for people with good credit who want to earn cash back at a flat rate that’s well above average. Citi Double Cash gives 2% cash back on all purchases: 1% when you buy something and another 1% when you repay Citi. It has a $0 annual fee, too.
Chase Sapphire Preferred® Card – Best Credit Card Sign-up Bonus
Why You Should Apply for this Credit Card: The Chase Sapphire Preferred® Card is the best credit card for a big sign-up bonus because it offers 80,000 points to new cardholders who spend $4,000 within 3 months of opening an account. Those points are worth $1,000 in travel booked through Chase Ultimate Rewards.
Capital One Venture Rewards Credit Card – Best Credit Card for Travel Rewards
Why You Should Apply for this Credit Card: The Capital One Venture Rewards Credit Card is the best credit card for travel rewards because of its attractive combination of initial savings, ongoing rewards value, and low fees. New cardholders can earn an initial bonus of 100,000 miles for spending $20,000 in the first 12 months or 50,000 miles for spending $3,000 in the first 3 months. Plus, all purchases yield double miles, and the annual fee is reasonable, at $95.
At the end of the day, 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. You can find a summary of their selections below.
Best Credit Card Offers Compared
Credit Card | Best For | Annual Fee | Credit Required |
Chase Freedom Unlimited® | Overall | $0 | Good |
Discover it® Secured Credit Card | Bad Credit | $0 | Bad |
Capital One Platinum Credit Card | No Credit | $0 | Limited History |
Petal® 2 Visa® Credit Card | Build Credit | $0 | Limited History |
Bank of America® Cash Rewards Credit Card for Students | Student | $0 | Limited History |
Wells Fargo Platinum card | 0 APR | $0 | Good |
Blue Cash Preferred® Card from American Express | Good Credit | $0 intro 1st yr, $95 after | Good |
Knowing your credit score is crucial to finding the right credit card offers for your needs. 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.
Best Credit Card From Each Major Credit Card Company
If you’re more in the market for information about how credit cards work and the latest credit card market trends than a new credit card to apply for, WalletHub has a lot of great guides, studies and statistics pages to help you learn. You’ll find a number of prominent examples in the sections below.
Credit Card Industry Statistics
- Market Share by Credit Card Issuer: Learn which banks and credit unions issue the most credit cards, plus which credit card company’s customers spend the most.
- Credit Card Consumer Satisfaction: Credit cards should make life easier, not become a source of frustration. Learning which credit card companies make their customers happiest can help you find the right fit.
- Historical Credit Card Interest Rates: See what interest rates credit card users have paid over time, including the averages for all accounts and accounts with a balance.
- Number of Credit Cards and Credit Card Holders: Find out how many people have credit cards, how many cards they have on average, and how those stats have changed over time.
- Credit Card Deferred Interest Study: Retailer financing can be a dangerous proposition, thanks to a feature known as deferred interest. Learn what it is, who uses it and how to avoid it.
- Currency Exchange Study: Find out how much you can save by automatically converting currency with a credit card while traveling abroad, versus exchanging money at a bank or airport kiosk.
- Market Share by Credit Card Network: See how Visa, Mastercard, Discover and American Express credit card offers compare in terms of purchase volume and number of cards in circulation.
Credit Card Benefits Studies
- Return Protection: Find out whether your favorite credit cards will cover returns on recent items that the store won’t accept.
- Price Protection: Lots of credit cards have a price-matching feature, where you can get a refund for the difference between what you paid for an item and a lower price advertised soon thereafter.
- Travel Insurance: The best credit cards for travel insurance will cover you for accidents while in transit, lost or delayed luggage, delayed or cancelled travel, and more.
- Credit Card Rewards Report: Hundreds of credit cards offer rewards. But they won’t all reward you equally. To help credit card shoppers make an informed decision, we compared the most popular rewards cards to see how much the average person would earn with each over two years of use.
- Small Business Credit Card Study: Business credit cards are not legally bound to provide the same user protections as personal credit cards. But some credit card companies proactively extend certain benefits to their business card customers.
- Purchase Protection: Sometimes, items we pay for with a credit card break or get stolen soon after we buy them. Purchase protection is a complimentary benefit on some credit cards that covers the cost of repairing or replacing the item.
- Rental Car Insurance: Don’t pay for rental car insurance when your credit card provides it for free. But make sure your card has good enough coverage.
- Extended Warranty: Many credit cards will extend the manufacturer’s warranty on eligible items, giving you extra time to get a refund, exchange or free repairs.
Questions & Answers
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Featured Credit Cards
Ask the Experts
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?
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Sarthak Subidit Behera
Ph.D., Assistant Professor of Economics, Centre College
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H. Shelton Weeks
Lucas Professor of Real Estate, Chair, Department of Economics & Finance, Lutgert College of Business, Florida Gulf Coast University
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Mary Bell Carlson
Ph.D., CFP®, AFC®, Financial Planning, Financial Planning Brand Marketing Representative & Adjunct Faculty, College of Family and Consumer Sciences, University of Georgia
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Jesse Lineberry
CFP®, Instructor of Finance, Virginia Polytechnic Institute and State University - Pamplin College of Business
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David Leach
Lecturer, University of Maine at Augusta
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Elizabeth Cooper
Ph.D., Professor of Finance, La Salle University
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.