Best Credit Cards

This section features the best credit cards, determined by popularity, rewards, benefits and approval rate. Our research has concluded these top 10 credit cards to be the best from major banks.




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HSBC Gold Mastercard® credit card
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HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% Introductory APR on balance transfers for the first 18 months from account opening 0% Introductory APR on credit card purchases for the first 18 months from account opening Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period
HSBC Cash Rewards Mastercard® credit card
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HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 2
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% Introductory APR on balance transfers for the first 15 months from account opening N/A Variable APR of 14.99%, 18.99% or 24.99% will be applied
American Express Cash Magnet™ Card
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American Express Cash Magnet™ Card

  • Earn up to $250 back. Here's how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • With Plan It℠, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% on balance transfers for 15 months 0% on purchases for 15 months 14.99%-25.99% Variable
American Express® Gold Card
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American Express® Gold Card

  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$250 N/A N/A See Rates & Fees
Hilton Honors American Express Card
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Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 3
Rewards: Hotels
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A N/A 17.74%-26.74% Variable
Blue Cash Everyday® Card from American Express
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Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 14
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% on Balance Transfers for 15 months 0% on Purchases for 15 months 14.99%-25.99% Variable
Gold Delta SkyMiles® Credit Card from American Express
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Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 27
Rewards: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 introductory annual fee for the first year, then $95. N/A N/A 17.74%-26.74% Variable
Blue Delta SkyMiles® Credit Card from American Express
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Blue Delta SkyMiles® Credit Card from American Express

  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% In-Flight Savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2

Reviews: Be the first to write one
Rewards: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A N/A 17.74%-26.74% Variable
Barclaycard Ring® Mastercard®
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Barclaycard Ring® Mastercard®

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 See Terms N/A 13.99% Variable
Starwood Preferred Guest® Credit Card from American Express
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Starwood Preferred Guest® Credit Card from American Express

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 4
Rewards: Hotels
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 introductory annual fee for the first year, then $95. N/A N/A 17.74%-26.74% Variable
The Platinum Card® from American Express
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The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 10
Rewards: Travel
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$550 N/A N/A N/A
Barclaycard Arrival Plus® World Elite Mastercard®
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Barclaycard Arrival Plus® World Elite Mastercard®

  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2

Reviews: Be the first to write one
Rewards: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$89 (waived first year) 0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening N/A 17.99%, 21.99% or 24.99% variable based on your creditworthiness
Blue Cash Preferred® Card from American Express
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Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 3
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$95 0% on balance transfers for 12 months 0% on purchases for 12 months 14.99%-25.99% Variable
If you have a good to excellent credit history, we recommend that you consider these cards, which is considered the best credit cards.
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