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 credit cards

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–only from Discover. 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: 18.24% - 27.24% 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, 21 months from account opening

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

Regular: 17.24%, 23.74%, or 28.99% 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 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 all 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. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. 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: 18.24% - 28.24% (Variable)

Top credit cards by issuer

Credit card tools

Keep learning about credit cards

Recent Articles

View All Articles Learn More Link Arrow
Aug. 16, 2025 | By Joel O'Leary

The Amex Blue Cash Preferred Card Is Our Award Winner for Food, Fuel, and a Top-Tier App

Here's how to earn top rewards on groceries, gas, and streaming while enjoying one of the best mobile apps in the business.
Aug. 16, 2025 | By Joel O'Leary

My Credit Score Is 822. Here's Why Amex and Citi Denied My Credit Card Application

A perfect credit score doesn't guarantee approval. Here's why I got denied by Amex and Citi, and what you can learn from my experience.
Aug. 16, 2025 | By Ryan Wilcox

Last Chance: Earn 100,000 Bonus Points and a $500 Travel Credit With the Chase Sapphire Reserve Card

Time's running out to land this huge welcome bonus with the Chase Sapphire Reserve. See if you should apply for this premium travel card now.
Aug. 16, 2025 | By Joel O'Leary

I Watched My Friend Crush Her Debt With This 0% Intro APR Card -- Here's How It Works

See how my friend used a 0% intro APR card to pay off $10,000 in credit card debt and save thousands in interest -- and how you can, too.
Aug. 16, 2025 | By Joel O'Leary

This Week's Best Credit Card Sign-Up Bonuses: August 16, 2025 -- Act Fast Before These Deals Expire

This week's top credit card sign-up bonuses offer big rewards -- cash back, travel perks, and more. Hurry, these limited-time deals won't last long.
Aug. 15, 2025 | By Joel O'Leary

5 Reasons You Can Be Denied a Credit Card (Besides Your Credit Score)

Even with an excellent credit score, a lender can still reject you. Here are five other factors that might stand in your way.
Aug. 15, 2025 | By Joel O'Leary

The 5 Biggest Mistakes You Can Make When Paying Off Credit Card Debt

Avoid these five common debt payoff mistakes to save money, pay off your credit cards faster, and finally break free from high-interest debt.
Aug. 15, 2025 | By Joel O'Leary

Need a Break From Interest Payments? This Is Our 0% Intro APR Award-Winning Credit Card

Learn why this Wells Fargo card earned our 2025 Award for Best 0% Intro APR Card, with nearly two years of interest-free purchases and balance transfers.
Aug. 14, 2025 | By Brooklyn Sprunger

3 Hidden Perks of the Citi Strata Elite That Could Surprise You

The newly-launched Citi Strata Elite isn't your typical luxury travel card. Here are three underrated perks that make it more rewarding than you might expect.
Aug. 14, 2025 | By Ryan Wilcox

Here's the Only Credit Card You Need in 2025

The Wells Fargo Active Cash earns unlimited 2% cash rewards with no annual fee. Here's why it's one of the only credit cards I keep in my wallet.