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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.
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.
Citi® Secured Mastercard®
Min. deposit
$200RefundableRegular purchase APR
24.74% VariableAnnual fee
$0
$200 Refundable
24.74% Variable
$0
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
Capital One Venture Rewards Credit Card
Rewards rate
2x - 5xMiles per dollarWelcome bonus
75,000MilesAnnual fee
$95
2x - 5x Miles per dollar
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
$95
- 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
Deserve® EDU Mastercard
Rewards rate
1%Cash backAnnual fee
$0
1% Cash back
$0
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
Citi Simplicity® Card
Intro balance transfer APR
0%for 21 MonthsRegular balance transfer APR
16.99% - 26.99% VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 21 Months
16.99% - 26.99% Variable
5%, Min: $5
$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 16.99% - 26.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Citi® Diamond Preferred® Card
Intro balance transfer APR
0%for 21 MonthsRegular balance transfer APR
15.99% - 25.99% VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 21 Months
15.99% - 25.99% Variable
5%, Min: $5
$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 15.99% - 25.99%, 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
Citi® Double Cash Card
Rewards rate
2%Cash backWelcome bonus
$200Annual fee
$0
2% Cash back
For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Capital One Platinum Secured Credit Card
Min. deposit
$49, $99 or $200RefundableRegular purchase APR
26.99% (Variable)Annual fee
$0
$49, $99 or $200 Refundable
26.99% (Variable)
$0
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
Petal® 2 Visa® Credit Card
Rewards rate
1% - 1.5%Cash backAnnual fee
$0
1% - 1.5% Cash back
$0
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 15.24% - 29.24%
Petal® 1 Visa® Credit Card
Rewards rate
2%Cash backAnnual fee
$0
2% Cash back
$0
- $0 Annual Fee
- Variable APRs range from 22.24% - 31.74%
Discover it® Secured Credit Card
Rewards rate
1% - 2%Cash backAnnual fee
$0
1% - 2% Cash back
$0
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit with responsible use.
Discover it® Student Cash Back
Rewards rate
1% - 5%Cash backAnnual fee
$0
1% - 5% Cash back
$0
- No credit score required to apply.
- 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.
World Of Hyatt Credit Card
Rewards rate
2x - 9xPoints per dollarWelcome bonus
Up to 60,000PointsAnnual fee
$95
2x - 9x Points per dollar
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.
$95
- 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.
Alaska Airlines Visa Signature® credit card
Rewards rate
1x - 3xMiles per dollarWelcome bonus
40,000MilesAnnual fee
$75
1x - 3x Miles per dollar
Earn 40,000 bonus miles, plus buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $3,000 or more within the first 90 days of opening your account.
$75
- LIMITED TIME ONLINE OFFER - Buy One Get One is Back! Alaska's Famous Companion Fare™ + 40,000 Bonus Miles.
- Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $22) and receive 40,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.