Compare Credit Cards
Find the perfect credit card for your needs. Compare rewards, fees, and benefits to make the best choice for your financial goals.
Showing 178 cards
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Dining
Welcome Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on All Travel (Ultimate Rewards)
Welcome Bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 5x on All Travel (Ultimate Rewards)
Welcome Bonus
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Best For
Annual Fee
$395
Rewards Rate
2x miles · up to 10x on Car Rentals (Capital One)
Welcome Bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back · up to 5% on All Travel (Ultimate Rewards)
Welcome Bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Dining
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
$795
Rewards Rate
1x points · up to 8x on All Travel (Ultimate Rewards)
Welcome Bonus
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Best For
Annual Fee
$150 (waived first year)
Rewards Rate
1x miles · up to 2x on Delta Airlines
Welcome Bonus
AS HIGH AS 80,000 Bonus Miles after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Amazon
Welcome Bonus
Get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card
Best For
Annual Fee
$195 (waived first year)
Rewards Rate
3x points · up to 12x on Hilton Hotels & Resorts
Welcome Bonus
Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points
Best For
Annual Fee
$325
Rewards Rate
1x points · up to 4x on Dining
Welcome Bonus
Earn 60,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership + receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back..
Best For
Annual Fee
$795
Rewards Rate
1x points · up to 10x on Peloton
Welcome Bonus
Earn 150,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on American Airlines
Welcome Bonus
Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Statement credit: $50
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 4% on DoorDash
Welcome Bonus
Free DashPass ($96 Value) for a year - Your free DashPass begins upon account opening. If you currently have a DashPass membership, this benefit will begin after your existing plan or replace your free plan. If approved for the DoorDash Rewards Mastercard, you will automatically receive a free year of DashPass that will auto-renew into an annual DashPass membership at the then current annual subscription fee.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 10x on Attractions (CitiTravel.com)
Welcome Bonus
Earn 60,000 bonus points after spending $4,000 in the first 3 months
Best For
Annual Fee
$375
Rewards Rate
1x points · up to 4x on Advertisements
Welcome Bonus
Earn 100,000 Membership Rewards® Points after you spend $15,000 on eligible purchases with your Card in the first 3 months of Card Membership
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 3x on Air Canada
Welcome Bonus
Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.
Best For
Annual Fee
No annual fee
Rewards Rate
2x points · up to 14x on Marriott
Welcome Bonus
Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card.
Best For
Annual Fee
$250
Rewards Rate
2x points · up to 18.5x on Marriott
Welcome Bonus
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening
Best For
Annual Fee
$99
Rewards Rate
3x points · up to 26x on IHG Hotels & Resorts
Welcome Bonus
Earn up to 185,000 Bonus Points - earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening.* Plus, earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000 bonus points.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 2x on British Airways
Welcome Bonus
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Best For
Annual Fee
$195
Rewards Rate
2% cash back · up to 5% on Lyft
Welcome Bonus
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back · up to 5% on Lyft
Welcome Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
3x points · up to 17x on IHG Hotels & Resorts
Welcome Bonus
Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Office Supplies
Welcome Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
Best For
Annual Fee
$149
Rewards Rate
1x points · up to 3x on Southwest
Welcome Bonus
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.
Best For
Annual Fee
$149
Rewards Rate
1x points · up to 3x on Southwest
Welcome Bonus
Earn 55,000 bonus points after you spend $1,500 in the first 3 months from account opening.
Best For
Annual Fee
$229
Rewards Rate
1x points · up to 3x on Southwest
Welcome Bonus
Earn 60,000 bonus points after you spend $2,000 in the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1x miles · up to 2x on Gas Stations
Welcome Bonus
Earn 30,000 Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Best For
Annual Fee
$150
Rewards Rate
1x miles · up to 2x on Dining
Welcome Bonus
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Best For
Annual Fee
$150 (waived first year)
Rewards Rate
1x miles · up to 2x on Dining
Welcome Bonus
Earn up to 60,000 bonus miles after qualifying activities.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 9x on Hyatt
Welcome Bonus
Earn up to 60,000 Bonus Points - 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Best For
Annual Fee
$150
Rewards Rate
3x points · up to 12x on Hilton Hotels & Resorts
Welcome Bonus
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership.
Best For
Annual Fee
$299
Rewards Rate
1x points · up to 4x on Southwest
Welcome Bonus
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Gas Stations
Welcome Bonus
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Best For
Annual Fee
$95 (waived first year)
Rewards Rate
1% cash back · up to 6% on Grocery Stores
Welcome Bonus
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Best For
Annual Fee
No annual fee
Rewards Rate
1x miles · up to 2x on Delta Airlines
Welcome Bonus
Earn 10,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 6 months of Card Membership.
Best For
Annual Fee
$150 (waived first year)
Rewards Rate
1x miles · up to 2x on Advertisements
Welcome Bonus
Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Best For
Annual Fee
$650
Rewards Rate
1x miles · up to 3x on Delta Airlines
Welcome Bonus
AS HIGH AS 100,000 Bonus Miles after you spend $5,000 in purchases on your new Card within the first 6 months of Card Membership.
Best For
Annual Fee
$650
Rewards Rate
1x miles · up to 3x on Delta Airlines
Welcome Bonus
Earn 80,000 Bonus Miles after you spend $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Best For
Annual Fee
No annual fee
Rewards Rate
3x points · up to 7x on Hilton Hotels & Resorts
Welcome Bonus
Earn 100,000 Hilton Honors Bonus Points And A $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership.
Best For
Annual Fee
$250
Rewards Rate
2x points · up to 6x on Marriott
Welcome Bonus
Earn 85,000 Marriott Bonvoy Bonus Points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Earn an additional 50,000 Marriott Bonvoy bonus points after you use your new Card to make an additional $2,000 in purchases within the first 6 months of Card Membership.
Best For
Annual Fee
$895
Rewards Rate
1x points · up to 5x on Airfare
Welcome Bonus
Earn 80,000 Membership Rewards® points after you spend $12,000 on purchases on your new Card in your first 6 months of Card Membership.
Best For
Annual Fee
$650
Rewards Rate
2x points · up to 6x on Marriott
Welcome Bonus
Earn 100,000 Marriott Bonvoy Bonus Points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Earn an additional 50,000 Marriott Bonvoy bonus points after you use your new Card to make an additional $2,000 in purchases within the first 6 months of Card Membership.
Best For
Annual Fee
$125
Rewards Rate
2x points · up to 6x on Marriott
Welcome Bonus
Earn 150,000 Marriott Bonvoy® Bonus Points and a $125 Statement Credit after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership..
Best For
Annual Fee
$95
Rewards Rate
2x miles · up to 5x on Car Rentals (Capital One)
Welcome Bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Bass Pro
Welcome Bonus
Earn up to $60 in CLUB Points for FREE GEAR!
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back · up to 5% on Car Rentals (Capital One)
Welcome Bonus
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 8% on Entertainment (Capital One)
Welcome Bonus
Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Best For
Annual Fee
$150
Rewards Rate
2% cash back · up to 5% on Car Rentals (Capital One)
Welcome Bonus
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on Gas Stations
Welcome Bonus
Earn a $250 statement credit after $500 in purchases in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points · up to 5x on REI
Welcome Bonus
Earn a $100 REI gift card when you make your first purchase outside of REI within 60 days from account opening. Only co-op members can apply.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 8% on Entertainment (Capital One)
Welcome Bonus
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening.
Best For
Annual Fee
$95 (waived first year)
Rewards Rate
2% cash back · up to 5% on Car Rentals (Capital One)
Welcome Bonus
Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Grocery Stores
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$99 (waived first year)
Rewards Rate
1x points · up to 2x on American Airlines
Welcome Bonus
Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening.
Best For
Annual Fee
$95
Rewards Rate
1x points on all purchases
Welcome Bonus
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Best For
Annual Fee
$595
Rewards Rate
1x points · up to 4x on American Airlines
Welcome Bonus
Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.
Best For
Annual Fee
$95
Rewards Rate
1x points on all purchases
Welcome Bonus
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Best For
Annual Fee
$99 (waived first year)
Rewards Rate
1x points · up to 2x on American Airlines
Welcome Bonus
Earn 50,000 AAdvantage® bonus miles after $2,500 in purchases in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
Get a $100 Disney Gift Card eGift to use today upon approval + earn a $50 statement credit after you spend $500 on purchases in the first 3 months from account opening.
Best For
Annual Fee
$99
Rewards Rate
3x points on all purchases
Welcome Bonus
Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Best For
Annual Fee
$199
Rewards Rate
1x points on all purchases
Welcome Bonus
Earn 60,000 Bonus Points after you spend $5,000 on purchases within the first 3 months of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
2% cash back
Welcome Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 2% on Dining
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 2% on Dining
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Dining
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 2% on Dining
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 7.5x on Kohl's
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 8% on Entertainment (Capital One)
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$39
Rewards Rate
1% cash back · up to 8% on Entertainment (Capital One)
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.25x miles · up to 5x on Car Rentals (Capital One)
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 5x on Lyft
Welcome Bonus
100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on All Travel (Ultimate Rewards)
Welcome Bonus
Get a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points on all purchases
Welcome Bonus
Earn $75 in CLUB Points when you spend $1,000 on your Bass Pro Shops & Cabela's CLUB Business card within 60 days of account approval.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 5x on Best Buy
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 5x on Choice Privileges
Welcome Bonus
Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 10x on Choice Privileges
Welcome Bonus
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 4% on Gas Stations
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 4% on Gas Stations
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$49
Rewards Rate
1x points · up to 2x on Dining
Welcome Bonus
Get a $200 Disney Gift Card eGift to use today upon approval + earn a $100 statement credit after you spend $500 on purchases in the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 4x on L.L.Bean
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$95
Rewards Rate
2x points · up to 17x on Marriott
Welcome Bonus
Earn 3 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Earn 1 additional Free Night Award after spending $4,000 total on eligible purchases within 4 months of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points · up to 3x on Dining
Welcome Bonus
Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.
Best For
Annual Fee
$99
Rewards Rate
2x points · up to 3x on Dining
Welcome Bonus
Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$99
Rewards Rate
1x points · up to 2x on Dining
Welcome Bonus
Earn 50,000 bonus points after you spend $1,000 in the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening.
Best For
Annual Fee
$695
Rewards Rate
1.5x miles · up to 2x on United Airlines
Welcome Bonus
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Best For
Annual Fee
$695
Rewards Rate
1x miles · up to 4x on United Airlines
Welcome Bonus
Earn up to 90,000 bonus miles after qualifying activities.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 4% on Fitness Clubs
Welcome Bonus
Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on Dining
Welcome Bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
Best For
Annual Fee
$89
Rewards Rate
1.5x points · up to 3x on Air France
Welcome Bonus
Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening
Best For
Annual Fee
$59
Rewards Rate
1x points · up to 3x on Allegiant Air
Welcome Bonus
Online Offer: 30,000 Bonus Points, equal to $300 off a future Allegiant trip, after you make $1,500 or more in purchases within the first 90 days of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Amazon
Welcome Bonus
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 3x on Grocery Stores
Welcome Bonus
Earn 15,000 Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 3x on Alaska Airlines
Welcome Bonus
Receive a 50% flight discount code for a qualifying future flight after opening your new account. Additionally, earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your account.
Best For
Annual Fee
$395
Rewards Rate
1x points · up to 3x on Alaska Airlines
Welcome Bonus
Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account.
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 3x on Alaska Airlines
Welcome Bonus
Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Dining
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Best For
Annual Fee
$95
Rewards Rate
1.5x points · up to 2x on Dining
Welcome Bonus
60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.
Best For
Annual Fee
$550
Rewards Rate
1.5x points · up to 2x on Dining
Welcome Bonus
75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Celebrity Cruises
Welcome Bonus
30,000 MyCruise® bonus points, worth $300 in onboard credit after you make at least $1,000 in purchases in the first 90 days of account opening
Best For
Annual Fee
$350
Rewards Rate
1x miles · up to 3x on Delta Airlines
Welcome Bonus
AS HIGH AS 90,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
Best For
Annual Fee
$350
Rewards Rate
1x miles · up to 3x on Delta Airlines
Welcome Bonus
Earn 70,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Best For
Annual Fee
$550
Rewards Rate
3x points · up to 14x on Hilton Hotels & Resorts
Welcome Bonus
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership.
Best For
Annual Fee
$250
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Department Stores
Welcome Bonus
Earn a $250 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Bass Pro
Welcome Bonus
Earn up to $60 in CLUB Points for FREE GEAR!
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$39 (waived first year)
Rewards Rate
1.5% cash back
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 5x on Car Rentals (U.S. Bank)
Welcome Bonus
Earn 20,000 bonus points - just spend $1,000 in Net Purchases in the first 90 days.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 4x on Dining
Welcome Bonus
Earn 20,000 bonus points - just spend $1,000 in eligible Net Purchases in the first 90 days.
Best For
Annual Fee
$95 (waived first year)
Rewards Rate
1x points · up to 5x on Car Rentals (U.S. Bank)
Welcome Bonus
Earn 75,000 bonus points. Just spend $6,000 on the Account Owner’s card in the first 180 days of opening your account.
Best For
Annual Fee
$195
Rewards Rate
2x points · up to 2.5x on Digital Wallet
Welcome Bonus
Earn 75,000 bonus points. Just spend $10,000 on the Account Owner’s card in the first 120 days of opening your account.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Dining
Welcome Bonus
One-time $750 cash back will be awarded if eligible Net Purchases totaling $6,000 or more are made to the Account Owner's Card within 180 days from account opening.
Best For
Annual Fee
$395
Rewards Rate
2x miles · up to 10x on Car Rentals (Capital One)
Welcome Bonus
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.
Best For
Annual Fee
No annual fee
Rewards Rate
1.25x miles · up to 5x on Car Rentals (Capital One)
Welcome Bonus
Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
2% cash back
Welcome Bonus
Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on JetBlue
Welcome Bonus
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 day
Best For
Annual Fee
$99
Rewards Rate
1x points · up to 6x on JetBlue
Welcome Bonus
Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days.
Statement credit: $99
Best For
Annual Fee
$99
Rewards Rate
1x points · up to 6x on JetBlue
Welcome Bonus
Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days and earn 20,000 bonus points after spending $6,000 within the first year.
Best For
Annual Fee
$499
Rewards Rate
1x points · up to 6x on JetBlue
Welcome Bonus
Earn 100,000 bonus points after spending $5,000 on purchases and paying the annual fee in full, both within the first 90 days.
Best For
Annual Fee
No annual fee
Rewards Rate
2% cash back
Welcome Bonus
Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Dining
Welcome Bonus
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points on all purchases
Welcome Bonus
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points on all purchases
Welcome Bonus
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 4x on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$95
Rewards Rate
1x points · up to 5x on Hotels
Welcome Bonus
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months - that’s $600 toward your next trip
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Dillard's
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Dining
Welcome Bonus
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 2x on Norwegian Cruise Line
Welcome Bonus
Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 3% on Dining
Welcome Bonus
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
You can earn $250 cash back when you spend $2,500 within 90 days of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
2% cash back
Welcome Bonus
You can earn $250 cash back when you spend $2,500 within 90 days of account opening.
Best For
Annual Fee
No annual fee
Rewards Rate
1.5x points on all purchases
Welcome Bonus
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on Dining
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
2% cash back
Welcome Bonus
$200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened.
Best For
Annual Fee
No annual fee
Rewards Rate
2% cash back
Welcome Bonus
$200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points · up to 3x on Dining
Welcome Bonus
You could earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. And, get a statement credit for an annual Walmart+ membership.
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$49
Rewards Rate
2x points · up to 3x on Travel
Welcome Bonus
You could earn 35,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening a new Flagship account. Plus, you’ll score a year of free Amazon Prime® (a $139 value).
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1% cash back · up to 5% on Target
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$59
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back
Welcome Bonus
No welcome bonus
Best For
Annual Fee
$39 (waived first year)
Rewards Rate
1x points on all purchases
Welcome Bonus
No welcome bonus
Best For
Annual Fee
No annual fee
Rewards Rate
1.5% cash back · up to 3% on PayPal
Welcome Bonus
No welcome bonus
Best For
How to Choose the Right Credit Card
Finding the perfect credit card depends on your spending habits, financial goals, and lifestyle. Here are some factors to consider when comparing credit cards:
Rewards Programs
Look for cards that reward your biggest spending categories. If you travel frequently, a travel rewards card might be best. If you spend most on groceries and gas, look for cards with higher cash back in those categories.
Annual Fees
Cards with annual fees often offer better rewards and perks, but make sure the benefits outweigh the cost. No-annual-fee cards are great for beginners or occasional users.
APR and Interest Rates
If you carry a balance, prioritize cards with lower interest rates. Some cards offer 0% intro APR periods, which can be helpful for large purchases or balance transfers.
Welcome Bonuses
Many cards offer substantial sign-up bonuses if you spend a certain amount within the first few months. These can provide great value but make sure you can meet the spending requirement responsibly.
Types of Credit Cards
Cash Back Credit Cards
Cash back cards return a percentage of your purchases as cash rewards. They're straightforward and flexible, allowing you to use your rewards for anything. Some offer flat-rate cash back on all purchases, while others provide higher rates in specific categories.
Travel Rewards Credit Cards
Travel cards earn points or miles that can be redeemed for flights, hotels, and other travel expenses. Many offer travel-specific perks like airport lounge access, free checked bags, or travel insurance. These cards are ideal for frequent travelers.
Balance Transfer Credit Cards
These cards offer low or 0% introductory APR periods on balance transfers, helping you save on interest while paying down debt. They're best for consolidating high-interest debt from other cards.
Secured Credit Cards
Secured cards require a security deposit that typically becomes your credit limit. They're designed for people with limited or poor credit history who want to build or rebuild their credit.
Business Credit Cards
Business cards offer rewards and benefits tailored to business expenses. They help separate personal and business finances while providing business-specific perks and reporting features.
Frequently Asked Questions
How do credit card rewards work?
Credit card rewards programs allow you to earn points, miles, or cash back on purchases made with your card. The rewards rate varies by card and spending category. Once earned, rewards can be redeemed for cash, statement credits, travel, gift cards, merchandise, or other options depending on the card.
Will applying for a credit card hurt my credit score?
When you apply for a credit card, the issuer performs a hard inquiry on your credit report, which can temporarily lower your score by a few points. However, responsible use of a new credit card can positively impact your score over time by improving factors like payment history and credit utilization.
How many credit cards should I have?
There's no perfect number of credit cards that works for everyone. It depends on your financial habits, ability to manage multiple accounts, and specific needs. Some people benefit from having multiple cards to maximize different rewards categories, while others prefer the simplicity of one or two cards.
What's the difference between APR and interest rate?
APR (Annual Percentage Rate) includes both the interest rate and any fees charged by the card issuer, giving you a more comprehensive view of the cost of borrowing. The interest rate is just the percentage of the principal that you pay for borrowing money.