Best Credit Cards for August 2019

We've vetted hundreds of credit cards to bring you the select few leaders in their categories. Check out our top picks by category, some of which are from our partners, to find the best credit card to suit your needs.

Apply Now
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On Chase's Secure Website.

Our Bottom Line

One of the most popular travel cards for many reasons. This offer is practically a must-have for travelers seeking a big sign-up bonus and one of the best points programs available on the market

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What we Like:
  • 60,000 points sign-up bonus
  • 2 points per $1 for travel & dining
  • Flexible points transfer program
Key Scores:
4.5 5 Perks
5.0 5 Fees
1.5 5 APR
Perks 4.5/5
Fees 5.0/5
APR 1.5/5
  • Annual Fee: $95
  • Regular APR: 18.24% - 25.24%, Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
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Apply Now
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On Discover's Secure Website.

Our Bottom Line

A clear cash-back leader with a laundry list of perks that reads like a novel. You’ll be hard pressed to find a competing card with a matching feature set and no annual fee.

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What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
5.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 5.0/5
  • Annual Fee: $0
  • Regular APR: 14.24% - 25.24% Variable
  • Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
Apply Now
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On Citi's Secure Website.

Our Bottom Line

No late fees, no annual fee, and no penalty rate make this an unmatched pick, even better that it somehow packs in a market-leading 0% intro APR offer.

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What we Like:
  • 0% intro APR for balance transfers and purchases
  • No late-payment fees
  • No annual fee
Key Scores:
5.0 5 Perks
2.5 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 2.5/5
APR 4.5/5
  • Annual Fee: $0*
  • Regular APR: 16.74% - 26.74%* (Variable)
  • Intro APR: Purchases: 0%, 12 months* Balance Transfers: 0%, 21 months*
Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
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Apply Now
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On Discover's Secure Website.

Our Bottom Line

Few can top this offer. The balance transfer offer and cash rewards program, alone, are best in class, but you get both in one card without having to pay an annual fee.

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What we Like:
  • Balance transfer offer
  • Rotating bonus cash back
  • No annual fee
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 14.24% - 25.24% Variable
  • Intro APR: Purchases: 0%, 6 months Balance Transfers: 0%, 18 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
Apply Now
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On Capital One's Secure Website.

Our Bottom Line

A solid contender with a rich sign-up bonus and among best-in-class cash back for restaurants and entertainment.

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What we Like:
  • 4% cash back for dining
  • Big sign-up bonus
Key Scores:
4.0 5 Perks
4.0 5 Fees
3.0 5 APR
Perks 4.0/5
Fees 4.0/5
APR 3.0/5
  • Annual Fee: $0 intro for first year; $95 after that
  • Regular APR: 16.74% - 25.74% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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Apply Now
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On Capital One's Secure Website.

Our Bottom Line

Strikes a nice balance of high rewards and a big sign-up bonus with low fees. With a base travel rewards rate of 2 miles per $1 and other perks on Hotels.com purchase and TSA Pre✓® credits, this is a no-fuss travel rewards card that's hard to ignore

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What we Like:
  • 50,000 miles sign-up bonus
  • 10 miles per $1 at Hotels.com
  • 2 miles per $1
  • No foreign transaction fees
Key Scores:
4.0 5 Perks
5.0 5 Fees
2.5 5 APR
Perks 4.0/5
Fees 5.0/5
APR 2.5/5
  • Annual Fee: $0 intro for first year; $95 after that
  • Regular APR: 17.99% - 25.24% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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Apply Now
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On Chase's Secure Website.

Our Bottom Line

One card to rule them all is the name of the game here. This offer includes unlimited 1.5% cash back and an innovative bonus of 3% cash back on first year purchases ($20,000 spending cap), plus a long 0% intro APR offer.

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What we Like:
  • Innovative sign up bonus
  • Unlimited 1.5% cash back
  • 0% intro APR offer for 15 months
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 17.24% - 25.99%, variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee
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Apply Now
Secure lock icon.

On Bank of America's Secure Website.

Our Bottom Line

The bonus leads the pack in the no-annual fee category, plus you earn premium cash back in a category of your choice and now have access to a long 0% intro APR offer.

Read Full Review
What we Like:
  • Big bonus offer
  • 3% back on gas or a category of your choice
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 16.24% - 26.24% Variable
  • Intro APR: Purchases: 0%, 15 billing cycles Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
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Citi® Double Cash Card – 18 month BT offer
Our Bottom Line

One of the top cards on the market with up to 2% cash back on all purchases, no annual fee, and an 18-month 0% APR on balance transfers

Read Full Review
What we Like:
  • Up to 2% cash back
  • No annual fee
  • 0% intro APR for balance transfers
Key Scores:
5.0 5 Perks
4.0 5 Fees
3.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 3.5/5
  • Annual Fee: $0
  • Regular APR: 15.99% - 25.99% (Variable)
  • Intro APR: Purchases: Balance Transfers: 0%, 18 months*
Highlights
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.*
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Get our latest tips and uncover more of our top picks to help you conquer your money goals

A credit card can be a great way to build credit, earn rewards on every purchase, and even finance your purchases at APRs as low as 0%. But with thousands of cards to choose from, many people fall into a state of “paralysis by analysis,” unable to make a decision because there are simply too many choices and too many variables on which to compare one credit card to another. Here at The Ascent, we’re working to make selecting a credit card as easy as buying a new pair of socks. Below, we’ll explain the ins and outs of the credit card market, and show you how to pick a card that works best for your spending needs.

How we picked the 2019 winners

We at The Ascent want to help you climb to the top and conquer your money goals. That is why our top picks have a few features in common that can help your money work harder for you, cut out-of-pocket costs, or help you get out of debt faster. The most important factors in our rating methodology are as follows:

  • Zero to low annual fees to cut-out-of pocket costs
  • Big sign-up bonuses to make your money work harder for you
  • High rewards rates in everyday spending categories
  • Inclusion of 0% intro APR offers to help you get out of debt faster or defray the cost of a large purchase
  • Competitive ongoing APRs to ensure debt balances are manageable

Why you can trust us

As credit card enthusiasts, we don’t review or pick cards based on conjecture. We’ve used many of the top credit cards on the market to score 0% intro APRs, earn cash back rewards, and build up miles to go on the vacations of our dreams. Together, we’ve analyzed hundreds of card offers on more than 6,000 data points, reading through the fine print to find the very best credit cards the market has to offer.

What are the five types of credit cards?

Though there are many different credit cards out there, virtually all card offers can be divided into five different categories based on their features and rewards programs. The first thing you should do when shopping for a credit card is to narrow the list of possible matches by picking a certain feature or functionality that is particularly important to you.

The five types of credit cards are as follows:

  1. 0% APR credit cards -- These cards offer 0% intro APRs on purchases and/or balance transfers for periods as long as 21 months, allowing you to carry a balance without paying double-digit interest rates during the promo period. These credit cards are best for people who will carry a balance since a 0% intro APR card can potentially save you hundreds (or even thousands) of dollars in interest.
  2. Cash-back credit cards -- These are the most common types of credit cards out there. Cash-back credit cards give cardholders rewards equal to a percentage of their spending, typically ranging from as low as 1% all the way up to 10% for spending in certain bonus categories. The beauty of cash back credit cards is that you can redeem your rewards for cash to use however you’d like. Many people redeem their rewards for statement credits, which reduce the card’s balance. You can think of a 1.5% cash back rewards card as a card that effectively gives you a 1.5% discount on everything you buy.
  3. Travel credit cards -- These cards typically accrue rewards in terms of miles or points for every $1 you spend and can be redeemed for flights, hotels, rental cars, and more. Travel cards also tend to have other perks (such as no foreign transaction fees when used abroad) that 0% APR cards and cash-back cards are less likely to have. Frequent travelers, especially international travelers, would be wise to have a travel credit card, if only for the benefit of avoiding foreign transaction fees. The best credit card offers for new cardholders are typically travel cards for people who have high incomes and excellent credit histories, due to their lucrative sign-up bonuses.
  4. Secured credit cards -- These are designed for people who have no credit history, or bad credit. A secured credit card acts just like an ordinary unsecured card, but it requires applicants to put up collateral to open the account. These cards report to the big three credit bureaus just like any other credit card, making them a great entryway into the world of credit. They’re also useful for rebuilding from a bad credit score.
  5. Business credit cards -- Designed for business owners and managers, these cards typically offer higher credit limits and rewards programs that pay out bonuses on company expenses like online advertising, cable or phone bills, internet and utilities, office supply stores, and others. Business cards are great for small business owners who want to separate their personal expenses from their business expenses while building a relationship with a bank that will help their business qualify for other types of financing later.

Why is it important to use credit cards?

Credit cards are about more than just borrowing money. A credit card is a useful payment option that offers more convenience and fraud protection, while helping you build the credit necessary to qualify for other loans at the lowest possible interest rate.

Here are a few reasons why it makes sense to use a credit card for your ordinary daily purchases:

  • Building credit -- A credit card is a great way to help you build credit so that you can later qualify for financing to buy a car, home, or another large purchase. Most credit cards report to all three credit bureaus, so having an open credit card account is one of the best ways to start building up your credit report and credit score. (Did you know that your credit report can also affect whether you get a job, or the rates you pay on insurance? Having good credit is much more important than you might think.)
  • Rebuilding credit -- Late payments or collections accounts can haunt your credit report for seven years, dragging down your credit score the whole time. But having an open credit card account in good standing can help you rebuild your credit by “diluting” the importance of the bad accounts. It also shows that you’re current on your newest obligations, which can help you show lenders that you’re managing your finances better today than you did in the past.
  • Fraud protection -- It’s a simple fact that credit cards offer more fraud protection than debit cards. At the very worst, cardholders are only liable for up to $50 of losses if their credit card is used fraudulently, though most credit card companies simply eat the $50 loss rather than pass it on to their customers. In comparison, the worst case for debit card fraud is that you ultimately lose everything in your checking account (and potentially more if the account is overdrawn or linked to other accounts).
  • Rewards -- When used responsibly, a credit card is simply a better way to pay than debit or cash. Think of rewards as an effective discount -- if you use a 1.5% cash back card to make purchases, it’s like getting a 1.5% discount on everything you buy. Over time, even small percentages really add up!
  • Extra perks -- Many cards offer perks including free rental car insurance, extended warranties on the things you buy, and price protection, which can reimburse you if something you purchase is advertised at a lower price later. These little-known card perks can easily create hundreds of dollars of value for their cardholders. (You won’t find these perks on the average debit card.)

Cash back vs travel rewards: which card to choose?

With so many choices, doing a proper credit card comparison can be overwhelming. But the truth is that only a few things really matter when making the decision between one card and another card. Here are some things to think about as you compare one credit card to another.

Rewards cards generally reward cardholders with points or miles that can be redeemed for cash or travel. If you don’t travel much, a cash-back card is likely a better choice, since it is more flexible. Frequent travelers, however, may be better off with a travel card, which can offer higher rewards rates than cash-back cards, as well as no foreign transaction fees on international spending. (Many cards charge a foreign transaction fee equal to 3% of amounts spent abroad, which can add up to $60 of unnecessary fees on $2,000 of international spend.)

Consider Capital One® Venture® Rewards Credit Card, a card that offers 2x miles per $1 spent. Each mile is worth $0.01 each when redeemed for travel. However, if miles are redeemed for cash, miles are only worth half as much, or $0.005 each. So, while this card ranks consistently as a top travel credit card, it isn’t a good card if you will redeem your rewards for cash. A cash back credit card would be a better choice.

We aren’t picking on Capital One here. Virtually all travel cards from all card issuers have some kind of “penalty” for redeeming your rewards for cash rather than travel. Unless you know with certainty you will use your rewards for travel, a cash-back credit card almost always offers more value than a travel card.

Is a credit card right for you?

Though more than 70% of American adults have a credit card, they aren’t for everyone. On one hand, they can offer excellent benefits that include rewards on every swipe, big sign-up bonuses, free access to a FICO® score, and 0% intro APRs for new cardholders. But if used to spend beyond your means, a credit card can put you into costly credit card debt that will take months, if not years, to pay off.

  • You won’t use it irresponsibly -- Credit cards are not free money. If used responsibly, you’ll never pay a dime in interest or fees by using a credit card. That means making sure that you always pay your balance in full each month by paying the “statement balance” reported on your statement. Carrying a balance is a really good way to get into financial trouble since balances are assessed interest at rates in the double digits.
  • You can manage another due date -- Failing to make payments on time and in full can result in paying late fees and interest charges. If a payment is more than 30 days late, it can negatively impact your credit score, too, doing more harm than good. Don’t use a credit card if you’re an especially forgetful person.
  • You have predictable, recurring income -- Credit card companies require that your household have some kind of income in order to approve you for a card, but having income is also important for avoiding credit card debt. Unstable or unpredictable income is one of the biggest reasons people fall into debt.
  • You won’t need to get a big loan in the near future -- If you’re thinking about applying for a mortgage in the next six months, you might want to reconsider applying for a credit card now. People who have thin credit files will see their scores drop after applying for more credit, and may run into trouble explaining their recent credit inquiries. The best time to start building credit is, unfortunately, when you’re least likely to need a good credit score in the next few months.

Which credit card is right for you?

One thing we want to make very clear is that picking the best credit card is a personal decision that should be guided by your financial needs. Though there is a perfect credit card out there for you, there isn’t a single credit card that is perfect for every single person.

Which credit cards are the best depends on the features and functionality you want from your new card. Below, we constructed a table showing you the types of credit cards to pick based on why you want a credit card in the first place.

You want to use a credit card to… You should apply for…
Finance an upcoming purchase A card with a 0% intro APR on purchases
Refinance existing credit card debt A card with 0% intro APRs on balance transfers. We give bonus points to cards that waive balance transfer fees, too.
Earn rewards on all of your spending A flat cash back card that offers 1%-2% cash back on every purchase.
Travel abroad and redeem rewards for travel A travel card that offers travel rewards and no foreign transaction fees.
Finance purchases for my business A business card that has features designed for business owners in mind.
Build credit Any credit card can help you here, but cards that offer free FICO® scores are a good pick.
Minimize the risk you get denied for a credit card A secured card, which offers the highest approval rate (nearly 100%).

To recap, here are the best credit cards for 2019

Here Are The Ascent's picks for the best credit cards for 2019:
Card Rating Great For…
Chase Sapphire Preferred® Graphic of Chase Sapphire Preferred®
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Sign-up bonus and travel

Discover it® Cash Back Graphic of Discover it® Cash Back
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Bonus cash back

Citi Simplicity® Card - No Late Fees Ever Graphic of Citi Simplicity® Card - No Late Fees Ever
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Balance transfers

Discover it® Balance Transfer Graphic of Discover it® Balance Transfer
Rating image, 5.0 out of 5 stars.
5.0 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Balance transfers and bonus cash back

Capital One® Savor® Cash Rewards Credit Card Graphic of Capital One® Savor® Cash Rewards Credit Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Restaurants and sign-up bonus

Capital One® Venture® Rewards Credit Card Graphic of Capital One® Venture® Rewards Credit Card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Big travel sign-up bonus and hotels

Chase Freedom Unlimited® Graphic of Chase Freedom Unlimited®
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

One-card wallet

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Cash rewards program

Citi® Double Cash Card – 18 month BT offer Graphic of Citi® Double Cash Card – 18 month BT offer
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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.
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.
Great For:

Balance transfer and cash back