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) 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, 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 4%. 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
Jan. 18, 2026 | By Ryan Wilcox

Here's What Happens if You Never Cancel a Credit Card

Looking to hold onto a credit card for years or even decades? Here's what to know about what can happen when you do, good and bad.
Jan. 18, 2026 | By Joel O'Leary

Up to 6% Cash Back: This Bank of America Card Is One of the Best Cash Back Cards Now

Earn way more rewards with a card that lets you choose your highest spending category, including an easy welcome bonus offer.
Jan. 18, 2026 | By Joel O'Leary

Here's One Purchase You Should Never Make With a Credit Card

Credit cards and lottery tickets are a risky combo. Here's why using cash is a much smarter move when chasing jackpot dreams.
Jan. 18, 2026 | By Joel O'Leary

3 of the Longest 0% Intro APR Cards of 2026: No Interest for up to 21 Months

Pay no interest for up to 21 months with these long 0% intro APR credit cards. See which offers work best for debt payoff in 2026.
Jan. 18, 2026 | By Joel O'Leary

We Compared 100+ Credit Cards -- These Are Our Top 3 Amex Picks for 2026

From grocery rewards to luxury travel, see which Amex card delivers the most value for your spending in 2026.
Jan. 18, 2026 | By James McClenathen

Save Big on Flights, Hotels, and More: The Best Travel Cards This Week, Jan. 18, 2026

Looking to save on 2026 travel today? Here are the best travel cards to apply for now to help you save a bundle on your next getaway.
Jan. 18, 2026 | By Brooklyn Sprunger

Longest 0% Intro APR Credit Cards This Week, Jan. 18, 2026: A Fresh Start Without the Interest

This week's best 0% intro APR cards offer up to 24 months interest-free -- ideal for large purchases or tackling debt without extra costs.
Jan. 18, 2026 | By Jake FitzGerald

The Best Travel Credit Card if You're Not Obsessed About Points

You don't need to obsess over points to get great travel rewards. This credit card delivers real value with simple earning and easy redemptions.
Jan. 17, 2026 | By Ryan Wilcox

The Top Balance Transfer Card of January 2026: 0% Intro APR for 21 Months

This Wells Fargo card offers one of the longest intro APR periods you can find. Here's how easy it is to start saving with it today.
Jan. 17, 2026 | By Joel O'Leary

This Simple Credit Card Trick Can Help Eliminate Your Holiday Debt

Transfer your credit card balance to a 0% intro APR card and pause interest charges. Here's how this simple move can save you hundreds in 2026.