Search credit cards

Shop credit cards

We think you'll love these cards from our partners.

CK Editors’ Tips††: The best credit cards can help you earn rewards, build credit or manage debt. When you’re shopping for a card, consider the goals you’re trying to reach. Once you know what you’re looking for, you’re more likely to focus on the features that matter most to you.

How to find the best credit card for you
The best credit card for you is one that fits your needs, not just the card that offers the most features. When you compare cards, think about your spending habits and credit situation. Are you willing to pay an annual fee? Do you spend a lot on groceries? Do you need access to credit with reasonable terms?
Once you focus on the answers to these kinds of questions, you’re more likely to find the right card for you.

How we picked the best credit cards
To pick the best credit cards, we identified several crucial categories that fit a wide range of needs. From there, we selected the best credit cards in each category based on our editorial reviews and deep knowledge of the overall credit card landscape. Read more about our methodology for picking the best credit cards.

Jump to editors’ picks

$250 TRAVEL PORTAL CREDIT

Great for high flat-rate travel rewards††

Continue

See details, rates, & fees

Capital One Venture Rewards Credit Card

Great for high flat-rate travel rewards††

Capital One Venture Rewards Credit Card

73 reviews

Continue

See details, rates, & fees

Rewards rate
2x - 5x
Miles per dollar
Annual fee
$95
Welcome bonus
75,000
Miles
Editors' bonus estimate
$915

Rewards rate

2x - 5x Miles per dollar

Annual fee

$95

Welcome bonus

75,000 Miles

Editors' bonus estimate

$915

Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day

Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs

Continue

More cards by category

These offers are no longer available on our site: Chase Freedom Flex℠, BankAmericard® credit card, U.S. Bank Visa® Platinum Card, Citi® Secured Mastercard®

Hear from our editors: The best credit cards of March 2025

Updated February 28, 2025

This date may not reflect recent changes in individual terms.

Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Written by: Tim Devaney

Whether you’re looking to build credit, get out of debt or earn rewards, we’ve compiled a list of the best credit cards on the market to help you find the right one for your wallet.

Best no annual fee credit cards: Chase Freedom Flex℠, Chase Freedom Unlimited®, Citi Double Cash® Card
Best cash back credit cards: Chase Freedom Flex℠, Chase Freedom Unlimited®, Citi Double Cash® Card
Best travel credit cards: Bank of America® Premium Rewards® credit card, Chase Sapphire Preferred® Card, Capital One Venture Rewards Credit Card
Best rewards credit cards: Blue Cash Preferred® Card from American Express, Capital One Venture Rewards Credit Card
Best low-interest credit cards: BankAmericard® credit card, Citi Simplicity® Card, U.S. Bank Visa® Platinum Card
Best balance transfer credit cards: Citi® Diamond Preferred® Card, Citi Simplicity® Card, U.S. Bank Visa® Platinum Card
Best credit cards for building credit: Discover it® Secured Credit Card, Petal® 1 Visa® Credit Card, Petal® 2 Visa® Credit Card
Best secured credit cards: Citi® Secured Mastercard®, Discover it® Secured Credit Card, Capital One Platinum Secured Credit Card
Best student credit cards: Bank of America® Travel Rewards credit card for Students, Discover it® Student Cash Back

Best no-annual-fee credit cards

The best credit cards with no annual fee give people a chance to earn rewards and build credit without breaking the bank.

Chase Freedom Flex℠: With no annual fee, you won’t have to pay for bonus cash back. Find out what others think in member reviews of Chase Freedom Flex℠.
Chase Freedom Unlimited®: For a card with no annual fee, you could earn quite a bit of cash back for your everyday purchases. Take a look at our review of Chase Freedom Unlimited® to see how.
Citi Double Cash® Card: You’ll earn cash back at a high rate overall without paying an annual fee. Learn more in our review of the Citi Double Cash® Card.

Best cash back credit cards

The best cash back credit cards offer reward categories that fit your spending habits.

Chase Freedom Flex℠: You can maximize your cash back in a new bonus category every quarter. Check out reviews to see what members think of Chase Freedom Flex℠ and learn more about the current bonus categories.
Chase Freedom Unlimited®: This card is worth a look if you want a high rewards rate on everyday purchases and several bonus categories. Take a look at our Chase Freedom Unlimited® review to learn more.
Citi Double Cash® Card: This card makes earning cash back simple with a flat rate on all purchases. Find out more in our review of Citi Double Cash® Card.

Best travel credit cards

The best travel credit cards could help you save up for a future vacation.

Bank of America® Premium Rewards® credit card: Quality rewards and several valuable perks give this card a nice value for the annual fee. Find out what sets this card apart in our review of the Bank of America® Premium Rewards® credit card.
Chase Sapphire Preferred® Card: The flexible travel rewards could help you book your next vacation through one of Chase’s airline or hotel partners. Take a look at our Chase Sapphire Preferred® Card review to see how.
Capital One Venture Rewards Credit Card: The straightforward rewards program could help travelers get value for their purchases without too much extra effort. Check out our Capital One Venture Rewards Credit Card review to learn more.

Best rewards credit cards

The best rewards credit cards reward you for everyday purchases.

Blue Cash Preferred® Card from American Express: Regular grocery shoppers will get plenty of opportunities to earn extra cash back. Learn more about Blue Cash Preferred® Card from American Express to see if this card might make sense for you.
Capital One Venture Rewards Credit Card: You’ll get a steady rewards rate on every purchase and a straightforward redemption process for travel. Learn more in our Capital One Venture Rewards Credit Card review.

Best low-interest credit cards

These best credit cards with 0% intro APR offers are good for people who run into unexpected expenses or need to finance a major purchase.

BankAmericard® credit card: This card features a lengthy, useful interest offer. Take a look at our review of BankAmericard® credit card to learn more.
Citi Simplicity® Card: This card also gives you a strong intro offer to pay off your new purchases. Find out how in our Citi Simplicity® Card review.
U.S. Bank Visa® Platinum Card: You could maximize the time you have to pay back new purchases without being charged interest. See how in our review of the U.S. Bank Visa® Platinum Card.

Best balance transfer credit cards

The best balance transfer cards offer options and flexibility to people trying to pay off credit card debt.

Citi® Diamond Preferred® Card: This card provides more time to transfer your balances after approval. Learn more in our Citi® Diamond Preferred® Card review.
Citi Simplicity® Card: This card offers time to pay off your balance — and it has no penalty interest rates. Take a look at our review of Citi Simplicity® Card to learn more.
U.S. Bank Visa® Platinum Card: This card could be a great option if you’re looking for extra time to pay off your balance. Check out our review of U.S. Bank Visa® Platinum Card to learn more.

Best credit cards for building credit

The best credit cards for building credit give people with limited credit histories the opportunity to raise their scores.

Discover it® Secured Credit Card: You’ll need to pay a security deposit, but this card offers rewards and the chance to graduate to an unsecured card. Learn more about Discover it® Secured Credit Card.
Petal® 1 Visa® Credit Card: You’ll get a chance to build credit without being charged an annual fee or security deposit. Read Petal® 1 Visa® Credit Card member reviews for more takes.
Petal® 2 Visa® Credit Card: You’ll have the opportunity to earn quality rewards while you build credit. Take a look at our Petal® 2 Visa® Credit Card review to learn more.

Best secured credit cards

The best secured credit cards give people access to credit when they might not be able to qualify for other cards.

Citi® Secured Mastercard®: This card lets you track your progress as you build credit with access to a free FICO score. Check out our review of Citi® Secured Mastercard® to learn more.
Discover it® Secured Credit Card: You could earn rewards while building credit. Read more about Discover it® Secured Credit Card.
Capital One Platinum Secured Credit Card: You can build credit, and you might qualify to pay a security deposit that could be lower than your credit line. Take a look at our Capital One Platinum Secured Credit Card review to learn more.

Best student credit cards

The best student credit cards give students a head start on building credit.

Bank of America® Travel Rewards credit card for Students: You could build credit and earn rewards to use while studying abroad or taking a spring break trip. Find out more in our Bank of America® Travel Rewards credit card for Students review.
Discover it® Student Cash Back: You could build credit and earn rewards. See what others think about this card by reading member reviews of Discover it® Student Cash Back.

How to pick the best credit card for you

Picking the best credit card depends on where you are in your credit journey. Take a look at each of these scenarios to see which type of card suits your needs best.

Do you want to build credit?

If you’re new to credit or you’re trying to bounce back from previous financial mishaps, your top priority should probably be to build credit. Unfortunately, the credit cards with the most rewards and lowest interest rates might not be available to you just yet.

But you can still find and apply for cards that you may be more likely to get approved for. That can help give you a better chance of avoiding the hard credit inquiry that comes with applying for a card and then being rejected.

Consider a secured card or an unsecured card meant to build credit. These options can help you build credit as long as you pay off your statement balance in full by the due date. Just make sure the card issuer reports your payments to the three major consumer credit bureaus.

Do you want to finance a big purchase or pay off debt?

If you think you might need to carry a balance or finance a major purchase, you might want to look for a card with a low purchase APR. A card with an introductory 0% APR offer on purchases could be a good way to save money on interest.

If you already have credit card debt, one option for paying it down is a balance transfer card. These cards let you move your balance to a new card that might start with an intro 0% APR offer.

If you’re considering a balance transfer, it’s a good idea to estimate how much you could save before you apply for a card — our balance transfer calculator can help you weigh your options.

Do you want cash back or travel rewards?

If you don’t need to build your credit and don’t plan to carry or transfer a balance, you can prioritize finding the right rewards program or valuable perks.

Cash back cards can help you earn money back for your daily purchases. These cards might offer a flat rate on all purchases or bonus rates in certain categories. Consider a card that lines up with your spending to maximize your rewards opportunities.

If you prefer travel rewards, there are a variety of ways to get points and perks with different credit cards. Some programs even let you transfer your points to other reward systems to get an even better value.

When you consider a rewards card, take a look at the value you can get relative to the annual fee. Some of our favorite cards on the market come with annual fees of several hundred dollars, but those options can be worth it for regular travelers and people who are willing to work a little to get the most out of their rewards.

How we picked the best credit cards

It’s impossible to pick the absolute “best” credit card — there’s no single card that’s right for everyone.

For example, a premium rewards card might be great for big spenders who can make use of the perks, but it’s not worth much to someone with a limited credit history who’s unlikely to qualify.

To meet the needs of different groups, we organized our picks into categories that fit different situations. When possible, we also tried to choose cards that could appeal to varying experiences within each category.

If you don’t see a card on our list that fits your needs, we recommend diving into the pages for each specific category on Credit Karma. Our editorial reviews and explanations can help guide you through the options available to you.

About the author: Tim Devaney is a personal finance writer and credit card expert at Credit Karma. He’s a longtime journalist who prides himself on being a good storyteller who can explain complex information in an easily digestible wa… Read more.

FAQ: Editors’ answers

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Read our Editorial Guidelines to learn more about our team.

Credit cards can be a useful tool. Cards can be helpful for building credit because they can report your usage to the three main credit bureaus, which is why it’s so important to use your card responsibly (like paying your card in full and on time every month). Your credit can affect whether you’re approved for a loan and how much the loan will cost you. It can even affect your ability to get an apartment.

On top of that, many cards offer rewards like cash back or points that you can redeem all sorts of ways. But rewards could tempt you into spending more than you would otherwise, and there’s no guarantee they’ll provide more value than the cost of maintaining the card.

Credit cards can also give you some wiggle-room in emergency situations when you don’t have cash on hand. You have to be careful, though, because interest rates (the amount you pay for borrowing money) on credit cards can be expensive and land you in debt.

There are three things you should probably consider when looking for a new credit card.

First, how’s your credit? If you have little or bad credit, your options may be limited to secured cards or credit-building cards. If your credit is sparkling, you’ll likely have access to more options that can come with better rewards or lower APRs.

Second, how would you use your credit? Will you pay off the card on time and in full each month? If not, consider a card with low interest rates. If you’re trying to pay down existing credit card debt, a card with a 0% introductory balance transfer APR offer might be your best bet.

Third, what do you spend on? If you’re footloose, a travel credit card could help subsidize your trips. There’re also cash back cards, if you’d rather get moolah instead of miles. No matter your preference, try to match your card’s rewards to your spending habits to get the most bang for your buck.

If you have bad or little credit, your choices for credit cards tend to be more limited. But there are probably still options to fit your situation.

Secured cards offer you a credit line in exchange for a security deposit. The card issuer holds the deposit in a separate account as collateral in case you don’t pay your bill. That means issuers already have some protection against not getting paid back, so these cards tend to be easier to qualify for. Plus, many secured cards report to all three major credit bureaus. That can help you build credit if you’re careful about how you use the card, which includes paying on time and keeping your expenses low. If things go well, you may eventually be able to get approved for an unsecured card.

There are also unsecured cards created specifically for students, people who are new to credit, or folks who have maybe made some mistakes in the past. These cards tend to have higher interest rates and are less likely to have rewards, but you won’t have to put down a security deposit while working on your credit.

There’s no right number of credit cards for every person — it all depends on your needs.

For one thing, you don’t have to get a credit card at all if you don’t want one. Some people know that a card will be too big of a temptation to overspend, so they forgo credit cards entirely and choose to build credit in other ways.

Other people like to maximize rewards from cards, so they get a few that allow them to reap the benefits from every type of spending they do. However, it can be hard to keep track of your finances with a lot of cards. If you’re likely to miss payments or rack up debt, then maybe having multiple cards isn’t for you.

Having more cards could also affect your credit in a lot of different ways (e.g. changing your credit utilization rate or your average account age) beyond missing payments, so it’s important to consider the full impact of a card before go wild with applications. Plus, you should consider that each application could trigger a hard inquiry, which may affect your credit. The immediate benefit of a card should only be part of what you consider.

More ways to browse cards

†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.