Credit Cards
WalletHub makes it easy to find the right credit card offer.
Popular Credit Card Categories
- 0% APR Credit Cards
- Balance Transfer Cards
- Best Credit Cards
- Business Credit Cards
- Cash Back Credit Cards
- Credit Cards for Bad Credit
- Easiest Credit Cards to Get
- No Annual Fee Credit Cards
- Rewards Credit Cards
- Travel Credit Cards … show more
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
Wells Fargo Platinum card Wells Fargo Platinum card
- 18 months of 0% intro APR from account opening on purchases and qualifying balance transfers; after that your variable APR will be 16.49% to 24.49%
- $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
Bank of America® Cash Rewards credit card Bank of America® Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
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 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
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
Chase Freedom Unlimited® Chase Freedom Unlimited®

- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- See More Details & Reviews About TheChase Freedom Unlimited®
BankAmericard® credit card BankAmericard® credit card

- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBankAmericard® credit card
Secured Mastercard® from Capital One Secured Mastercard® from Capital One

- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- See More Details & Reviews About TheSecured Mastercard® from Capital One
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Apply for a Credit Card That's Right for You

For all of the latest credit card market averages, you can check out WalletHub’s complete Credit Card Landscape Report. And if you want to learn more about which credit card offers in particular are leading the credit card landscape right now, just keep reading.
WalletHub's editors compared 1,500+ credit card offers and picked 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 for March 2021
Credit Card | Best For | Annual Fee | Credit Required |
Citi® Double Cash Card – 18 month BT offer | Cash Back | $0 | Excellent |
Bank of America® Cash Rewards Secured Credit Card | Bad Credit | $0 | Bad |
Petal® 2 Visa® Credit Card | Beginners | $0 | Limited History |
U.S. Bank Visa® Platinum Card | Low Rates | $0 | Excellent |
Bank of America® Cash Rewards Credit Card for Students | Students | $0 | Limited History |
Chase Sapphire Preferred® Card | Bonus Rewards | $95 | Good |
Blue Cash Preferred® Card from American Express | Groceries | $0 intro 1st yr, $95 after | Good |
Capital One Venture Rewards Credit Card | Travel Rewards | $95 | 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.
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.
- 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.
- 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 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.
- 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.
- 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.
Credit Card Benefits Studies
- 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.
- Return Protection: Find out whether your favorite credit cards will cover returns on recent items that the store won’t accept.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Late-Payment Survey
Americans are known for being big spenders…sometimes, too big. With an average household credit card balance of more than $7,800, many people now cannot keep up with the payments on their debt. While the COVID-19 stimulus payments led to the biggest credit-card debt payoffs in decades last year, the devastating economic impact of the pandemic and the unemployment it created have still left plenty of people struggling. In a nationally representative survey conducted by WalletHub, over 18 percent of respondents said they believe they will miss at least one credit card due date in 2021. That works out to about 47 million Americans.
Missing a credit card payment can start a chain reaction of negative events. First off, there are late fees of up to $29 for a first offence and $40 for another within six months. In addition, cardholders not already carrying a balance between months will lose their grace period, and interest will start accruing immediately on both new purchases and the unpaid balance. There might also be a high penalty APR on new purchases, depending on the issuer, and this rate can be applied to all balances after the cardholder is 60-days past-due on payment. Lastly, if the credit card issuer reports a late payment to the credit bureaus after it’s 30 days late, it will cause damage to the cardholder’s credit score. This can lead to higher costs and fewer borrowing opportunities in the future.
Missing a credit card payment is dangerous, but its negative effects can sometimes be quickly countered. WalletHub’s survey found that nearly 9 of 10 people who tried to get a late fee waived in the past were successful.
Below are some more of highlights of WalletHub’s survey, along with additional insight from a panel of experts.
Key Stats
- More waiver attempts than last year. 16% more Americans have tried to get a credit card late fee waived compared to last year.
- Companies are mostly helpful. 60% of Americans say their credit card company has been helpful during the pandemic.
- Credit card issuers are forgiving...if you ask nicely. Nearly 9 in 10 people who have tried to get a credit card late fee waived were successful.
- Mortgage worries are increasing. 36% more Americans are worried about missing a mortgage payment in 2021 than last year.
Survey Methodology
WalletHub conducted this nationally representative survey with over 1,000 respondents from 1/18/21 to 1/22/21. We weighted the statistical results to correct for demographic discrepancies. The margin of error for the total respondents is plus or minus 3.00 percent at a confidence level of 95%.
Questions & Answers
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 moreshow less
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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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Robert A. Uptegraff, Jr.
Special Instructor - Finance, Oakland University
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Marty Frost
Professor and Chair, Human Development and Family Relations, State University of New York at Plattsburgh
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Duane Donaldson
CPA, MBA, Finance Instructor, Business Programs Department, Columbus State Community College
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Kshama Harpankar
Associate Professor of Economics, Lebanon Valley College
Read More
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John Horowitz
Department Chair of The Department of Economics And Professor Of Economics, Ball State University
Read More
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Tod Schneider
Senior Lecturer, Fisher College of Business, Ohio State University
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.