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CK Editors’ Tips††: The best credit cards can help you earn rewards, build credit or manage debt. When you’re shopping for a card, consider the goals you’re trying to reach. Once you know what you’re looking for, you’re more likely to focus on the features that matter most to you.Read more
How to find the best credit card for you
The best credit card for you is one that fits your needs, not just the card that offers the most features. When you compare cards, think about your spending habits and credit situation. Are you willing to pay an annual fee? Do you spend a lot on groceries? Do you need access to credit with reasonable terms?
Once you focus on the answers to these kinds of questions, you’re more likely to find the right card for you.
The best credit card for you is one that fits your needs, not just the card that offers the most features. When you compare cards, think about your spending habits and credit situation. Are you willing to pay an annual fee? Do you spend a lot on groceries? Do you need access to credit with reasonable terms?
Once you focus on the answers to these kinds of questions, you’re more likely to find the right card for you.
How we picked the best credit cards
To pick the best credit cards, we identified several crucial categories that fit a wide range of needs. From there, we selected the best credit cards in each category based on our editorial reviews and deep knowledge of the overall credit card landscape. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksTo pick the best credit cards, we identified several crucial categories that fit a wide range of needs. From there, we selected the best credit cards in each category based on our editorial reviews and deep knowledge of the overall credit card landscape. Read more about our methodology for picking the best credit cards.
Great for straightforward travel rewards††
Great for straightforward travel rewards††
Capital One Venture Rewards Credit Card
Rewards rate
2x - 5xMiles per dollarAnnual fee
$95Welcome bonus
75,000MilesEditors' bonus estimate
$1,298
Rewards rate
2x - 5x Miles per dollar
Annual fee
$95
Welcome bonus
75,000 Miles
Editors' bonus estimate
$1,298
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
Great for balance transfers††
Great for balance transfers††
Citi Simplicity® Card
Intro balance transfer APR
0% for 21 MonthsRegular balance transfer APR
18.74% - 29.49%* VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
18.74% - 29.49%* Variable
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual fee
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for simplifying your debt††
Great for simplifying your debt††
BankAmericard® credit card
Regular balance transfer APR
15.49% - 25.49%* VariableBalance transfer fee
3% of the amount of each transactionAnnual fee
$0
Regular balance transfer APR
15.49% - 25.49%* Variable
Balance transfer fee
3% of the amount of each transaction
Annual fee
$0
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
Great for balance transfers††
Great for balance transfers††
Citi® Diamond Preferred® Card
Intro balance transfer APR
0% for 21 MonthsRegular balance transfer APR
17.74% - 28.49%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
17.74% - 28.49%* Variable
Balance transfer fee
5%, Min: $5
Annual fee
$0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, 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 5% of the amount of each transfer, whichever is greater
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi® Double Cash Card
Rewards rate
2%Cash backAnnual fee
$0
Rewards rate
2% Cash back
Annual fee
$0
- 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.
Capital One Platinum Secured Credit Card
Min. deposit
$49, $99 or $200RefundableRegular purchase APR
29.99% (Variable)Annual fee
$0
Min. deposit
$49, $99 or $200 Refundable
Regular purchase APR
29.99% (Variable)
Annual fee
$0
- No credit score required to apply, but may be used if available
- No annual or hidden fees. See if you're approved in seconds
Great for cash back and no fees††
Great for cash back and no fees††
Petal® 2 Visa® Credit Card
Rewards rate
1% - 10%Cash backAnnual fee
$0
Rewards rate
1% - 10% Cash back
Annual fee
$0
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.49% - 31.49%
Great for frequent Hyatt guests††
Great for frequent Hyatt guests††
World Of Hyatt Credit Card
Rewards rate
2x - 9xPoints per dollarAnnual fee
$95Welcome bonus
Up to 60,000Points
Rewards rate
2x - 9x Points per dollar
Annual fee
$95
Welcome bonus
Up to 60,000 Points
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Great for graduating to unsecured credit††
Great for graduating to unsecured credit††
Discover it® Secured Credit Card
Min. deposit
$200RefundableRegular purchase APR
27.49%* VariableAnnual fee
$0Rewards rate
1% - 2%Cash back
Min. deposit
$200 Refundable
Regular purchase APR
27.49%* Variable
Annual fee
$0
Rewards rate
1% - 2% Cash back
- No credit score required to apply.
- No Annual Fee.
Great for maximizing bonus cash back††
Great for maximizing bonus cash back††
Discover it® Student Cash Back
Rewards rate
1% - 5%Cash backAnnual fee
$0
Rewards rate
1% - 5% Cash back
Annual fee
$0
- 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Great for building credit with no annual fee††
Great for building credit with no annual fee††
Petal® 1 Visa® Credit Card
Rewards rate
2% - 10%Cash backAnnual fee
$0
Rewards rate
2% - 10% Cash back
Annual fee
$0
- $0 Annual Fee
- Variable APRs range from 24.49% - 33.99%
Great for traveling with friends or family††
Great for traveling with friends or family††
Alaska Airlines Visa® credit card
Rewards rate
1x - 3xMiles per dollarAnnual fee
$95Welcome bonus
70,000Miles
Rewards rate
1x - 3x Miles per dollar
Annual fee
$95
Welcome bonus
70,000 Miles
- LIMITED TIME ONLINE OFFER – 70,000 Bonus Miles!
- Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.