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: 17.99% - 26.99% 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 on purchases for 21 months from account opening

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

Regular: 16.99%, 23.49%, or 28.74% 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 17.99% - 27.99% 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: 17.99% - 27.99% (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
Oct. 9, 2025 | By Ryan Wilcox

Stop Drowning in Debt: Get 0% Intro APR for 21 Months With This Card

With the Wells Fargo Reflect card, you'll get one of the longest intro APR periods on the market. Here's how easy it is to apply today.
Oct. 9, 2025 | By Ryan Wilcox

Amex Platinum vs. Gold: Which Is Better After the Platinum Update?

The Amex Gold and updated Amex Platinum are two of the best travel cards on the market, but they're not for everyone. Learn which one's right for you today.
Oct. 9, 2025 | By Jake FitzGerald

The Citi Strata Elite Card Just Dropped a Limited-Time 100,000-Point Offer

Citi's new 100,000-point offer could cover flights, hotels, or your next vacation. Here's how to qualify before it's gone.
Oct. 9, 2025 | By Joel O'Leary

Missed Prime Day? You Can Still Get $150 Instantly With This Amazon Credit Card

October Prime Day is over, but Prime members can still get an Amazon gift card and rewards on every Amazon order with this credit card.
Oct. 9, 2025 | By Joel O'Leary

This Card Helped My Sister Breathe Again With 0% Intro APR for 21 Months

My sister-in-law wiped out her credit card debt thanks to a long 0% intro APR offer. Here's how the card gave her breathing room to get ahead.
Oct. 8, 2025 | By Joel O'Leary

Don't Want to Pay the Chase Sapphire Reserve Card's New $795 Fee? Here Are 3 Alternatives

These three alternative travel cards still give you great perks and high rewards rates for everyday spending, with a much lower price tag.
Oct. 8, 2025 | By James McClenathen

The Citi Strata Elite Card Now Offers a 100K Bonus. Is It Worth It?

This new premium travel card has a limited-time bonus for new members. Learn more about its key benefits and see if you should apply.
Oct. 8, 2025 | By Joel O'Leary

Get 5% Cash Back and 0% Intro APR for 15 Months -- All From One Card

Learn how to earn top-tier cash back on everyday spending and skip interest charges for over a year, all with no annual fee.
Oct. 8, 2025 | By Ryan Wilcox

Get $1,800 in Value From the Amex Platinum Without Setting Foot on a Plane

Even if you're not a big traveler, the updated Amex Platinum can offer tons of value. Here's a rundown of all the card's valuable lifestyle perks.
Oct. 8, 2025 | By Joel O'Leary

My Coworker Earned $870 Cash Back Last Year -- and She's Not Even a Points Nerd

Here's how switching to a flat-rate cash rewards card can earn you strong rewards on everything, without overcomplicating things.