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Top Credit Cards - Updated November 2015

Our extensive analysis of the best credit cards.

Don't waste time researching all the credit cards that are out there - we have done the extensive research for you. Simply choose which type of card you are looking for:

Citibank Double Cash Card
  • As long as you pay off your balances, the Double Cash Card gives you 2% cash back on all purchases. You’ll get 1% cash back when you make a purchase and an additional 1% cash back when you pay off the balance.
  • Unlimited cash back; in other words, there are no caps or category restrictions on the amount of cash back you can receive.
  • No annual fee.
  • Introductory offer: 0% interest on purchases and balance transfers for the first 15 months.
  • 12.99% to 22.99% variable rate after the intro period.
  • Damage and theft protection: $1,000 per item for the first 120 days after purchase.
  • Works with Apple Pay.
  • Car rental insurance of up to $50,000 in any country.
  • Get more details
Chase Freedom Card
  • 5% cash back for rotating categories. 1% cash back for everything else.
  • 5% categories rotate quarterly and you can earn a max of $300 per year from these purchases. The 1% cash back has no limit.
  • $25 bonus for signing up and making a purchase within 3 months.
  • No annual fee.
  • 0% introductory rate for 15 months.
  • 13.99% - 22.99% variable rate after the intro period.
  • Over the credit-limit fee: none
  • Get more details
Discover it
  • Earn 5% cash back in rotating categories like gas and restaurant dining. Earn 1% cash back on everything else.
  • Use Cashback Bonuses, available in any amount, to get money, make online purchases, or credit your account.
  • Introductory offer: 0% APR on purchases and balance transfers for 14 months. (3% fee for balance transfers).
  • 10.99% - 22.99% variable rate after the intro period.
  • No annual fees, overlimit charges, or foreign transaction tolls. Paying late won't raise your APR.
  • 24-hour, US-based customer service.
  • Free FICO score with every monthly statement.
  • Fraud specialists monitor your account for suspicious activity. If your identity is stolen, you don't pay.
  • Get more details
American Express Blue Cash Preferred
  • Blue Cash Reward Dollars are redeemable as statement credit in $25 increments.
  • Automatic cash back in the US: 6% at supermarkets, 3% at gas stations, 3% at select department stores. 1% cash back everywhere else.
  • Spend $1,000 during your initial 3 months of membership and earn a $150 statement credit.
  • Introductory offer: 0% APR on purchases and balance transfers for 15 months. (Balance transfer fee applies).
  • 12.99% - 21.99% variable rate after the intro period.
  • $75 annual membership fee.
  • Perks for travelers: Roadside Assistance Hotline, Global Assist Hotline for travelers in need, secondary insurance coverage on some rental cars.
  • Perks for shoppers: extended warranties (up to 1 year), purchase and return protection, dispute resolution.
  • Get more details
Chase Sapphire Preferred
  • Earn 2 points for every $1 spent on dining/travel. Earn 1 point per $1 spent on everything else.
  • Spend $4,000 in your initial 2 months of membership and earn a bonus of 40,000 points ($500) toward travel expenses (airfare, hotel).
  • Earn 5,000 points when you make a purchase in your initial 3 months of membership.
  • Perks for travelers: save 20% on travel expenses when you pay with Chase Ultimate Rewards points. Points can be transferred at full value to numerous frequent travel/frequent flier programs.
  • No fees for foreign transactions.
  • $0 annual fee during your first membership year. $95 annual fee after that.
  • 15.99% variable purchase APR.
  • Card comes embedded with security chip for your protection.
  • Get more details
Barclaycard Arrival Plus World Elite MasterCard
  • Earn 2 miles for every $1 spent.
  • Spend $3,000 during your first 90 days of membership and earn a bonus of 40,000 miles.
  • Redeem miles for travel statement credit and get 10% of your miles back.
  • Miles can also be redeemed for cash back statement credit. ($12.50 per 2,500 miles).
  • Miles do not expire.
  • Introductory offer: 0% APR for 12 months on balance transfers initiated within first 45 days of membership. (Balance transfer fee applies).
  • 14.99% - 18.99% variable APR.
  • Perks for travelers: MasterCard concierge and luxury travel benefits, trip accident/cancellation insurance, car rental collision coverage, no fees for foreign transactions.
  • $0 annual fee during your first membership year. $89 annual fee after that.
  • Get more details
Ink Plus® Business Credit Card
  • Free employee cards with adjustable credit limits.
  • Mobile app stores receipts for easy retrieval.
  • Perks for travelers: trip cancellation insurance (up to $5,000), global card acceptance with chip recognition, no fees for foreign transactions.
  • Perks for shoppers: purchase protection (up to $50,000), extended warranties (adds 1 year to eligible products), return protection ($1,000 per year).
  • Earn 1 point for every $1 spent on net purchases.
  • Earn up to 5 points for every $1 spent on qualifying business purchases. (Point limits apply.)
  • Spend $5,000 during your initial 3 months of membership and earn a bonus of 50,000 points ($625 in Chase Ultimate Rewards).
  • $0 annual fee during your first membership year. $95 annual fee after that.
  • 15.24% variable APR.
  • Get more details
Capital One® Spark Cash for Business
  • Get 2% cash back for every purchase, including business expenses.
  • Introductory offer: acquire 2 or more employee cards (free) in your first 60 days of membership and earn $50. Spend $5,000 in your initial 3 months of membership and earn $250.
  • Downloadable purchase records available in QuickBooks, Excel, and Quicken.
  • Complimentary quarterly and year-end purchase summary reports.
  • Perks for business shoppers: extended warranty protection (up to 1 additional year), 15% discount at participating merchants, 3-month purchase protection.
  • Perks for business travelers: automatic collision coverage for car rentals, 24-hour emergency assistance, medical and legal referral assistance and translation services when you are abroad, no fees for foreign transactions.
  • 24-hour fraud monitoring. $0 liability for fraudulent charges.
  • $0 annual fee your first year. $59 annual fee in subsequent years.
  • 13.9% - 20.9% variable APR.
  • Get more details
Business Platinum Card® from American Express OPEN
  • Perks for managers: monitor employee card use online, allow select employees to manage your account, participate in OPEN Business Forum for small business owners.
  • Perks for business shoppers: 90-day purchase protection (up to $50,000), extended warranty protection (up to 1 additional year), free dispute resolution, adjustable purchasing power adjusts (with credit card use).
  • Perks for air travelers: up to $200/year in airline fee credit, discount plane tickets for companions when you fly internationally, free access to 700+ global airport lounges, travel insurance, no fees for foreign transactions.
  • 24-hour roadside assistance.
  • Earn 1 Membership Reward point for every $1 spent on qualifying purchases.
  • Spend $5,000 during your initial 3 months of membership and earn 40,000 Membership Rewards points.
  • Apply Membership Reward points toward travel expenses and get 20% of your points back.
  • $450 annual fee.
  • Balance must be paid in full each month.
  • Get more details
Discover IT Chrome for Students
  • Mobile/online statements and payment options.
  • Paying late won't raise your APR. No late fee on first late payment.
  • $0 annual fee.
  • Earn 2% cash back at gas stations and restaurants (on up to $1,000 in purchases per quarter). Earn 1% cash back on everything else (unlimited).
  • Redeem cash back as statement credit, Amazon.com credit, or money in your bank account (any time, any increment).
  • Free FICO score online and with every monthly statement.
  • 24-hour fraud monitoring. $0 liability for fraudulent charges.
  • US-based customer service any hour of the day or night.
  • Get more details
Capital One Journey Student Card
  • Credit line increase after first 5 months of timely payments.
  • Paying late won't raise your APR.
  • Capital One Credit Tracker app and Financial Education site provide credit info and advice.
  • Monitor your account with email and text alerts.
  • Perks for traveling students: 24-hour emergency card replacement, travel and car rental insurance, no fees for foreign transactions.
  • $0 annual fee.
  • Earn Cash advance fee of 3% or $10 (whichever is greater).
  • Earn 1% cash back on all purchases. When you pay on time, get an additional 25% bonus on all cash back rewards (1.25% maximum). Redeem rewards as cash or statement credit.
  • 19.8% variable APR.
  • $0 fraud liability.
  • Get more details
Wells Fargo Cash Back College Card
  • Earn 3% cash back on qualifying purchases during first 6 months of membership. Earn 1% cash back on net purchases after that.
  • Redeem rewards in $25 increments as statement credit, cash, or check.
  • Perks for traveling students: waiver for car rental collision damage, pay-per-use roadside dispatch service, travel/emergency services, global travel accident insurance, 3% foreign conversion fee.
  • Track your account and expenses with online tools and mobile app.
  • Cash advance fee of 5% or $10-$20, depending on where you get the money.
  • Overdraft protection up to $20 per day.
  • Introductory offer: 5.90% - 13.90% APR for 6 months. After that, 11.15% - 21.15% variable APR.
  • 3% balance transfer fee (or $5, whichever is greater) during first 6 months of membership. 5% fee after that (minimum $5).
  • $0 annual fee.
  • Chip-based card offers extra security and protection. $0 fraud liability.
  • Get more details
Chase Slate Card
  • Introductory offer: 0% APR on balance transfers/purchases for 15 months. After that, 12.99% - 22.99% variable APR based on creditworthiness.
  • Balance transfer fee deal: $0 balance transfer fee during first 60 days of membership. After that, balance transfer fee is 3% or $5 (whichever is greater.)
  • $0 annual fee.
  • Autopay and shared cardholder options.
  • 120-day purchase protection ($500 per claim; $50,000 per account).
  • 24-hour fraud monitoring. $0 liability for fraudulent charges.
  • Get more details
Citi Simplicity® Card
  • Introductory offer: 0% APR on balance transfers and purchases for 18 months. 12.99% - 22.99% variable APR after that.
  • 3% or $5 balance transfer fee (whichever is greater).
  • Citi Price Rewind program reimburses you up to $300 when an item you purchased goes down in price.
  • Email and mobile account alerts.
  • Works with Apple Pay.
  • Built-in EMV chip for added security.
  • Extended warranty protection (up to 1 year) on qualifying purchases.
  • Perks for travelers: car rental insurance (up to $50,000), 24-hour travel/emergency assistance.
  • $0 fraud liability.
  • Get more details
Chase Sapphire Preferred
  • No fees for foreign transactions.
  • Earn 2 points for every $1 spent on dining/travel. Earn 1 point per $1 spent on everything else.
  • Perks for travelers: save 20% on travel expenses when you pay with Chase Ultimate Rewards points. Points can be transferred at full value to numerous frequent travel/frequent flier programs.
  • Introductory offer: Spend $4,000 during your initial 3 months of membership and get a bonus of 40,000 points ($500) toward travel expenses (airfare, hotel). Get 5,000 points when you make a purchase during your initial 3 months of membership.
  • Earn 2 points for every $1 spent on dining/travel. Earn 1 point for every $1 spent in all other product categories.
  • $0 annual fee during your first membership year. $95 annual fee after that.
  • 15.99% variable purchase APR.
  • Card comes embedded with security chip for your protection.
  • Get more details
BankAmericard Travel Rewards® Credit Card
  • No fees for foreign transactions.
  • Spend $500 during your initial 90 days of membership and earn a bonus of 10,000 points. Use points to pay for flights, vacation packages, and other travel costs. Earn 1.5 points for every $1 spent on goods and travel.
  • Free concierge services for travelers.
  • Access to text and mobile banking, online and in-person Bank of America centers, ATMs, and paperless statements.
  • $0 annual fee.
  • Introductory offer: 0% APR on purchases during first 12 billing cycles. 14.99% - 22.99% variable APR after that.
  • 3% or $10 balance transfer fee (whichever is greater).
  • $0 fraud liability.
  • Bank of America customers and preferred clients earn an extra 10% - 75% bonus on every purchase.
  • Chip card technology encrypts information for added security.
  • Get more details
Barclaycard Arrival Plus World Elite MasterCard
  • No fees for foreign transactions.
  • Earn 2 miles for every $1 spent.
  • Spend $3,000 during your first 90 days of membership and earn a bonus of 40,000 miles.
  • Redeem miles for travel statement credit and get 10% of your miles back.
  • Miles can also be redeemed for cash back statement credit. ($12.50 per 2,500 miles).
  • 14.99% - 18.99% variable APR.
  • Miles do not expire.
  • Perks for travelers: MasterCard concierge and luxury travel benefits, trip accident/cancellation insurance, car rental collision coverage, no fees for foreign transactions.
  • Introductory offer: 0% APR for 12 months on balance transfers initiated within first 45 days of membership. (Balance transfer fee applies).
  • $0 annual fee during your first membership year. $89 annual fee after that.
  • Get more details
Citi® Diamond Preferred® Card
  • Introductory offer: 0% APR on purchases and balance transfers for 18 months. Balance transfers must be made within first 4 months of membership. (A late payment could cancel this offer.)
  • 11.99% - 21.99% variable APR after introductory offer expires. (Late payment penalty APR up to 29.99%.)
  • 0% interest on purchases when balance is paid in full each month.
  • 25.24% variable APR for cash advances.
  • 3% or $5 balance transfer fee (whichever is greater).
  • 5% or $10 cash advance fee (whichever is greater).
  • $0 annual fee.
  • $0 fraud liability.
  • Perks for travelers: global car rental insurance coverage, canceled/interrupted vacation reimbursement, 24/7 travel/emergency assistance, 3% foreign purchase transaction fee.
  • Exclusive access to entertainment via Citi Private Pass.
  • Built-in EMV chip for added security.
  • Works with Apple Pay.
  • Get more details
Discover it®
  • Introductory offer: 0% APR on purchases and balance transfers for 14 months. (3% fee for balance transfers.) 10.99% – 22.99% variable rate after the intro period.
  • 24.99% variable APR for cash advances. 5% or $10 cash advance fee (whichever is greater).
  • 0% interest on purchases when balance is paid in full each month.
  • Paying late won't raise your APR.
  • No annual fees, overlimit charges, or foreign transaction tolls.
  • 5% cash back in rotating categories like gas and restaurant dining. 1 percent back on everything else.
  • Use Cashback Bonuses, available in any amount, to get money, make online purchases, or credit your account.
  • 24/7 access to US-based customer service.
  • Free FICO score with every monthly statement.
  • Fraud specialists monitor your account for suspicious activity. If your identity is stolen, you don't pay.
  • Get more details
Citi Simplicity® Card
  • Introductory offer: 0% APR on balance transfers and purchases for 18 months. 12.99% - 22.99% variable APR after that.
  • 0% interest on purchases when balance is paid in full each month.
  • 3% or $5 balance transfer fee (whichever is greater).
  • Citi Price Rewind program reimburses you up to $300 when the cost of an item you already purchased goes down.
  • Email and mobile account alerts.
  • Works with Apple Pay.
  • Built-in EMV chip for added security.
  • Extended warranty protection (up to 1 year) on qualifying purchases.
  • Perks for travelers: car rental insurance (up to $50,000), 24-hour travel/emergency assistance.
  • $0 fraud liability.
  • Get more details
Capital One Secured MasterCard
  • Suitable for applicants with a history of multiple defaults and/or denied credit card applications.
  • Secured card that, with responsible use, helps rebuild credit by reporting to 3 major credit bureaus.
  • Refundable security deposit of $49, $99, or $200 required. (Based on creditworthiness.)
  • $200 minimum credit line. You can increase your initial credit line by increasing your deposit.
  • Credit line may be increased without additional deposit. (Based on responsible use.)
  • Monitor your credit for free with Capital One Credit Tracker.
  • No interest on new purchases if previous balance was paid in full by due date.
  • 22.9% variable APR on purchases.
  • Balance transfers are posted as purchases.
  • 3% or $10 fee (whichever is greater) for cash advances.
  • $19 maximum late payment penalty fee.
  • $29 annual fee.
  • Get more details
Capital One® QuicksilverOne® Cash Rewards Credit Card
  • Suitable for people with average credit. (History of default within past 5 years or limited credit history.)
  • Access to credit line increase when first 5 payments are paid on time.
  • Monitor your credit for free with Capital One Credit Tracker.
  • No interest on new purchases if previous balance was paid in full by due date.
  • Earn 1.5% cash back on all purchases. (No purchase restrictions and no reward limits.)
  • 22.9% variable APR on purchases and cash advances.
  • Balance transfers are posted as purchases.
  • 3% or $10 fee (whichever is greater) for cash advances.
  • $35 maximum late payment penalty fee.
  • $39 annual fee.
  • Get more details