Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

Credit Cards: Our Expert Picks, Reviews, And Guides

Updated
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

Dive deeper into our top credit card picks

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.49% - 26.49% Variable APR

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for long 0% intro APR
N/A N/A

Intro: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular: 17.49%, 23.99%, or 28.24% Variable APR

4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases
25,000 points (worth $250 travel credit) Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 17.49% - 27.49% (Variable)

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Top credit cards by issuer

Credit card tools

Keep learning about credit cards

Recent Articles

View All Articles Learn More Link Arrow
March 1, 2026 | By Joel O'Leary

The 3 Best High-Limit Cards You Can Apply for in March 2026

Looking for a high-limit credit card? Here are three top picks for March 2026 -- including no-annual-fee and premium options with real cardholder-reported credit limits.
March 1, 2026 | By Joel O'Leary

My Top 4 0% Intro APR Cards for March 2026: Pay No Interest for up to 21 Months

The best 0% intro APR cards can help you avoid interest on new purchases or pay down existing debt faster. Here are four top picks worth considering.
March 1, 2026 | By Ryan Wilcox

$300 a Year on Streaming: This Is the Best Card for Binge-Watching

The Amex Platinum offers up to $25 a month to save on digital entertainment, which makes it a great card for couch potatoes. Here's what to know.
March 1, 2026 | By James McClenathen

Get 130,000 Points and a Free Night: The Best Travel Cards This Week, March 1, 2026

Want to earn a free night at your favorite Hilton property, plus a bundle of points? Here's the travel card to get today, plus our other favorites available now.
March 1, 2026 | By Brooklyn Sprunger

Longest 0% Intro APR Credit Cards This Week, March 1, 2026: Break Free From Interest This Spring

Get up to 24 months interest-free with this week's top 0% intro APR cards -- ideal for big buys or knocking out debt with no extra interest.
Feb. 28, 2026 | By Ryan Wilcox

3 Credit Cards That Could Save You $750+ on Travel in 2026

Want to save a bundle on your next trip? Learn how these three cards can help you do it, and which one's right for you today.
Feb. 28, 2026 | By Ryan Wilcox

Amex Gold vs. Platinum: Which Is Better in 2026?

The Amex Gold and Amex Platinum are two of the best luxury cards out there, but you probably don't need both. Here's how to pick the one for you.
Feb. 28, 2026 | By James McClenathen

I Did the Math: These 3 No-Annual-Fee Cards Win for Grocery Shopping

I crunched the numbers, and these no-annual-fee cards beat the competition for grocery shopping. But the best choice depends on your spending.
Feb. 28, 2026 | By James McClenathen

Here's the 3-Card Setup I Recommend to Everyone

This combo covers travel, groceries, dining, and everyday spending -- with minimal effort and maximum rewards. Here are three cards I recommend all the time.
Feb. 28, 2026 | By James McClenathen

Forget the Amex Gold: This Capital One Card Wins for Grocery Stores and Dining

The no-annual-fee Capital One Savor Rewards card is better for everyday spending. Here's why -- and when the Amex Gold is still worth it.