Top Rated Credit Cards for this Year

Want to get a new credit card but confused about which one to get? We did the research so you didn’t have to. The list below includes our top credit card picks across categories – for everyday purchases, business, building credit, balance transfer travel, rewards, and cashback, and more.

1. Best for maximizing rewards on everyday spending: American Express Blue Cash Preferred® Card 

Shop for everyday essentials and enjoy fantastic rewards rates.

⇨6% Cash back on up to $6,000 per year in purchases at U.S. supermarkets.
⇨6% Cash back on select streaming subscriptions.

⇨3% Cash back at U.S. gas stations and on transit, parking, tolls, etc.

⇨1% Cash back on other purchases.

2. Best for the cardholder just starting out: Capital One Quicksilver Cash Rewards Credit Card

Shop without having to keep track of rewards categories or spending caps.

⇨0% intro APR on purchases for 15 months. 

⇨$200 cash bonus (one-time) after you spend $500 on purchases within 3 months from the date of account opening.

⇨Earn unlimited 1.5% cashback on every purchase, daily.

3. Best for paying down debt/ balance transfer: Citi® Diamond Preferred® Card

While no cashback, miles, or points can be earned with this card, its introductory balance transfer offer is exceptional, being one of the longest on the market.

⇨0% Intro APR for 18 months on purchases from the date your account was opened.

⇨0% Intro APR for 18 months on balance transfers from the date you made the first transfer. 

⇨Free access to FICO® Score.

4. Best for travelers: Capital One Venture Rewards Credit Card

Simplicity-seeking travelers will appreciate the user-friendly processes of both earning and redeeming rewards.

⇨Earn unlimited 2X miles with every purchase, daily.

⇨There’s no limit to how many miles you can earn. Plus, miles won't expire for the life of the account.

⇨No blackout dates. You can transfer your miles to 10+ travel loyalty programs.

⇨One-time bonus of 60,000 miles after you spend $3,000 on purchases within 3 months from the date of account opening.

⇨No foreign transaction fees

5. Best for people with bad credit: Credit One Bank® Visa® for Rebuilding Credit

With this credit card, you can build your credit while earning cashback. You can also choose your monthly payment due date and set up custom credit limit alerts.

⇨Unsecured card  - requires no deposit 

⇨Monthly reports to the major credit bureaus 

⇨Free online access to Experian credit score and credit report summary

⇨$0 Fraud Liability

⇨Automatic reviews for credit line increase opportunities

⇨1% cashback rewards on eligible purchases including gas, groceries, plus mobile phone, internet, cable, and satellite TV services.

6. Best for business owners: American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card gives you access to several benefits useful for financing a business.

⇨Flexibility to spend beyond your credit limit with Expanded Buying Power.

⇨Earn 2% cashback on all eligible purchases up to $50,000 per year, then 1%.

⇨0.0% intro APR on purchases for 12 months 

⇨No Annual Fee