With that being said, you can find our editors’ picks for the best charge cards below. So find your favorite and see how it stacks up against the offers with the best travel rewards, cash back and initial bonuses.
2016’s Best Charge Cards – Editors’ Picks
|Best For...||Card Name||Annual Fee|
|Luxury Travel||The Platinum Card® from American Express||$450|
|No 1st Year Fee||Premier Rewards Gold Card from American Express®||$0 the 1st yr; $195 after|
|Restaurant Rewards||American Express® Gold Card||$0 the 1st yr; $160 after|
|Business||The Business Gold Rewards Card from American Express OPEN||$0 the 1st yr; $175 after|
Before applying for a card, you should also make sure to check your latest credit score, which you can do for free on WalletHub. This will give you a sense of your approval odds. Our editors’ picks for the best charge cards all require at least good credit for approval.