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–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: 17.74% - 26.74% 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: 17.74%, 24.24%, or 28.49% 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 17.74% - 27.74% 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: 17.74% - 27.74% (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
Nov. 6, 2025 | By Joel O'Leary

If You Eat Out 2-3 Times a Week, This Card Can Earn You Hundreds

This Wells Fargo card just won our best card for dining out award category and can turn your restaurant spending into hundreds in rewards.
Nov. 6, 2025 | By Jake FitzGerald

What NOT to Do With a 0% Intro APR Credit Card

A 0% intro APR credit card can be a financial blessing or a debt trap. Here's what to avoid so you actually get ahead, not fall further behind.
Nov. 6, 2025 | By Jake FitzGerald

The Amex Platinum Is Built for People Who Collect Experiences, Not Things

A premium card for people who value experiences over things. See how the Amex Platinum turns travel perks into unforgettable moments.
Nov. 6, 2025 | By Ryan Wilcox

Earn up to 6% Cash Back on Groceries: Why Paying an Annual Fee Is Worth It

The Amex Blue Cash Preferred is our favorite grocery card of 2025, bar none. Learn how it can earn you hundreds a year in everyday rewards.
Nov. 5, 2025 | By Joel O'Leary

Here Are 3 Amex Platinum Perks Yoga Moms Love

Get a combined $900 in credits to brands like Lululemon, Oura, and Equinox, all included with the upgraded Amex Platinum Card.
Nov. 5, 2025 | By Ryan Wilcox

No-Annual-Fee Balance Transfer Cards That Actually Help You Get Ahead

The Wells Fargo Reflect offers an intro APR on purchases and balance transfers for almost two whole years. Learn why else we love it as a top debt-erasing option.
Nov. 5, 2025 | By Ryan Wilcox

3 Grocery Credit Cards That Pay You Back No Matter Where You Shop

These rewards cards can earn you up to 6% back on your next grocery trip, no matter where you go. Read to learn which one is best for you today.
Nov. 5, 2025 | By Joel O'Leary

Last Chance to Score a $900 Bonus With Chase Ink Business Unlimited Card

This limited-time Chase business card offer can boost your cash flow and reward you for every purchase, but it ends soon.
Nov. 4, 2025 | By Joel O'Leary

Hurry: Our Favorite Chase Business Card Just Added a $900 Bonus (Offer Ends Soon)

Chase just rolled out a limited-time bonus on its top business card. Here's why this offer is worth jumping on before it's gone.
Nov. 4, 2025 | By Ryan Wilcox

Paying Down Debt? Forget Rewards Cards and Get This Instead

The Wells Fargo Reflect card is one of the best ways to pay off debt in 2025. Learn why it's better than any rewards credit card available today.