Best Credit Cards of May 2022

Some of the card offers on this site are from companies who are advertising clients of U.S. News. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. Terms apply.

Best Credit Cards of May 2022

Some of the card offers on this site are from companies who are advertising clients of U.S. News. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. Terms apply.

Best Credit Cards of

  1. 2022 Award Winner

    Chase Freedom Unlimited®

    On Chase's Secure Website.

    Top Rewards Rates

    • 6.5%

      cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

    • 5%

      cash back on Chase travel purchased through Ultimate Rewards®. After your first year or $20,000 spent.

    • 4.5%

      cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

    • 3%

      cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service (after your first year or $20,000 spent)

    • 1.5%

      cash back on all other purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      1.5%

    • APR

      15.24% - 23.99% Variable

    On Chase's Secure Website.

    On Chase's Secure Website.

    Rates & Fees

    • Issuer Name

      Chase

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      15.24% - 23.99% Variable

    • Penalty APR

      Up to 29.99%

    • Purchases Intro APR

      0% Intro APR on Purchases for 15 months

    • Balance Transfer Intro APR

      0% Intro APR on Balance Transfers for 15 months

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      3% of each transaction in U.S. dollars

    • See all credit card details
  2. Discover it® Cash Back

    On Discover's Secure Website.

    Top Rewards Rates

    • 5%

      cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

    • 1%

      cash back on all other purchases - automatically.

    At A Glance

    • Credit Needed

      670-850
      Excellent, Good, Average

    • Annual Fee

      $0

    • APR

      12.24% - 23.24% Variable APR

    On Discover's Secure Website.

    On Discover's Secure Website.

    Rates & Fees

    • Issuer Name

      Discover

    • Credit Needed

      Excellent, Good, Average

    • Annual Fee

      $0

    • APR

      12.24% - 23.24% Variable APR

    • Purchases Intro APR

      0% Intro APR for 15 months

    • Balance Transfer Intro APR

      0% Intro APR for 15 months

    • Balance Transfer Fee

      3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • See all credit card details
  3. Blue Cash Everyday® Card from American Express

    On American Express' Secure Website.

    Top Rewards Rates

    • 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

    • 1%

      Cash Back on other purchases

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      earn a $200 statement credit

    • APR

      14.74% - 24.74% Variable

    On American Express' Secure Website.

    On American Express' Secure Website.

    Rates & Fees

    • Issuer Name

      American Express

    • Credit Needed

      Good, Excellent

    • Annual Fee

      $0

    • APR

      14.74% - 24.74% Variable

    • Penalty APR

      29.99% Variable

    • Purchases Intro APR

      0% on purchases for 15 months

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      2.7% of each transaction after conversion to US dollars.

    • See all credit card details
  4. Capital One SavorOne Cash Rewards Credit Card

    On Capital One's Secure Website.

    Top Rewards Rates

    • 8%

      cash back on Capital One Entertainment purchases and tickets at Vivid Seats

    • 3%

      cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      $200

    • APR

      15.24% - 25.24% (Variable)

    On Capital One's Secure Website.

    On Capital One's Secure Website.

    Rates & Fees

    • Issuer Name

      Capital One

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      15.24% - 25.24% (Variable)

    • Penalty APR

      None

    • Purchases Intro APR

      0% intro on purchases for 15 months

    • Balance Transfer Intro APR

      0% intro on balance transfers for 15 months

    • Balance Transfer Fee

      3%

    • Cash Advance Fee

      3% of the amount of the cash advance, but not less than $10

    • Foreign Transaction Fee

      None

    • See all credit card details
  5. Discover it® chrome

    On Discover's Secure Website.

    Top Rewards Rates

    • 2%

      cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.

    • 1%

      cash back on all other purchases - automatically

    At A Glance

    • Credit Needed

      670-850
      Excellent, Good, Average

    • Annual Fee

      $0

    • APR

      12.24% - 23.24% Variable APR

    On Discover's Secure Website.

    On Discover's Secure Website.

    Rates & Fees

    • Issuer Name

      Discover

    • Credit Needed

      Excellent, Good, Average

    • Annual Fee

      $0

    • APR

      12.24% - 23.24% Variable APR

    • Purchases Intro APR

      0% Intro APR for 15 months

    • Balance Transfer Intro APR

      0% Intro APR for 15 months

    • Balance Transfer Fee

      3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • See all credit card details
  6. Chase Sapphire Reserve®

    On Chase's Secure Website.

    Top Rewards Rates

    • 10x

      total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually

    • 5x

      total points on air travel

    • 3x

      points on other travel and dining

    • 1

      point per $1 spent on all other purchases

    At A Glance

    • Credit Needed

      740-850
      Excellent

    • Annual Fee

      $550

    • Intro Bonus

      50,000

    • APR

      17.24% - 24.24% Variable

    On Chase's Secure Website.

    On Chase's Secure Website.

    Rates & Fees

    • Issuer Name

      Chase

    • Credit Needed

      Excellent

    • Annual Fee

      $550

    • APR

      17.24% - 24.24% Variable

    • Penalty APR

      Up to 29.99%

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      $0

    • See all credit card details
  7. 2022 Award Winner

    Discover it® Student Cash Back

    On Discover's Secure Website.

    Top Rewards Rates

    • 5%

      cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

    • 1%

      cash back on all other purchases - automatically.

    At A Glance

    • Credit Needed

      580-740
      Fair to Good

    • Annual Fee

      $0

    • APR

      13.24% - 22.24% Variable APR

    On Discover's Secure Website.

    On Discover's Secure Website.

    Rates & Fees

    • Issuer Name

      Discover

    • Credit Needed

      Fair, New to Credit

    • Annual Fee

      $0

    • APR

      13.24% - 22.24% Variable APR

    • Purchases Intro APR

      0% Intro APR for 6 months

    • Balance Transfer Intro APR

      10.99% Intro APR for 6 months

    • Balance Transfer Fee

      3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • See all credit card details
  8. Ink Business Cash® Credit Card

    On Chase's Secure Website.

    Top Rewards Rates

    • 5%

      Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

    • 2%

      Cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

    • 1%

      Cash back on all other card purchases with no limit to the amount you can earn

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      $750

    • APR

      13.49% - 19.49% Variable

    On Chase's Secure Website.

    On Chase's Secure Website.

    Rates & Fees

    • Issuer Name

      Chase

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      13.49% - 19.49% Variable

    • Penalty APR

      Up to 29.99%

    • Purchases Intro APR

      0% Intro APR on Purchases for 12 months

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $15 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      3% of each transaction in U.S. dollars

    • See all credit card details
  9. Capital One Quicksilver Cash Rewards Credit Card

    On Capital One's Secure Website.

    Top Rewards Rates

    • 1.5%

      cash back on every purchase, every day

    • 5%

      Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      $200

    • APR

      15.24% - 25.24% (Variable)

    On Capital One's Secure Website.

    On Capital One's Secure Website.

    Rates & Fees

    • Issuer Name

      Capital One

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      15.24% - 25.24% (Variable)

    • Penalty APR

      None

    • Purchases Intro APR

      0% intro on purchases for 15 months

    • Balance Transfer Intro APR

      0% intro on balance transfers for 15 months

    • Balance Transfer Fee

      3%

    • Cash Advance Fee

      3% of the amount of the cash advance, but not less than $10

    • Foreign Transaction Fee

      None

    • See all credit card details
  10. Ink Business Unlimited® Credit Card

    On Chase's Secure Website.

    Top Rewards Rates

    • 1.5%

      cash back on every purchase made for your business

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      750

    • APR

      13.49% - 19.49% Variable

    On Chase's Secure Website.

    On Chase's Secure Website.

    Rates & Fees

    • Issuer Name

      Chase

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      13.49% - 19.49% Variable

    • Penalty APR

      Up to 29.99%

    • Purchases Intro APR

      0% Intro APR on Purchases for 12 months

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $15 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      3% of each transaction in U.S. dollars

    • See all credit card details
  11. Chase Freedom Flex℠

    On Chase's Secure Website.

    Top Rewards Rates

    • 5%

      cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

    • 5%

      categories each quarter!

    • 5%

      cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

    • 3%

      cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

    • 1%

      cash back on all other purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      $200

    • APR

      15.24% - 23.99% Variable

    On Chase's Secure Website.

    On Chase's Secure Website.

    Rates & Fees

    • Issuer Name

      Chase

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      15.24% - 23.99% Variable

    • Penalty APR

      Up to 29.99%

    • Purchases Intro APR

      0% Intro APR on Purchases for 15 months

    • Balance Transfer Intro APR

      0% Intro APR on Balance Transfers for 15 months

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      3% of each transaction in U.S. dollars

    • See all credit card details
  12. Chase Sapphire Preferred® Card

    On Chase's Secure Website.

    Top Rewards Rates

    • 5x

      on travel purchased through Chase Ultimate Rewards®

    • 3x

      on dining

    • 2x

      on all other travel purchases, plus more.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $95

    • Intro Bonus

      80,000

    • APR

      16.24% - 23.24% Variable

    On Chase's Secure Website.

    On Chase's Secure Website.

    Rates & Fees

    • Issuer Name

      Chase

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $95

    • APR

      16.24% - 23.24% Variable

    • Penalty APR

      Up to 29.99%

    • Balance Transfer Fee

      Either $5 or 5% of the amount of each transfer, whichever is greater.

    • Cash Advance Fee

      Either $10 or 5% of the amount of each transaction, whichever is greater.

    • Foreign Transaction Fee

      $0

    • See all credit card details
  13. U.S. Bank Altitude® Go Visa Signature® Card

    On U.S. Bank's Secure Website.

    Top Rewards Rates

    • 4X

      points on dining, takeout, and restaurant delivery.

    • 2X

      points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!

    • 2X

      points at grocery stores, grocery delivery, gas stations, and EV charging stations.

    • 1X

      point on all other eligible purchases.

    At A Glance

    • Credit Needed

      740-850
      Excellent

    • Annual Fee

      $0

    • Intro Bonus

      20,000

    • APR

      15.74% - 24.74% Variable

    On U.S. Bank's Secure Website.

    On U.S. Bank's Secure Website.

    Rates & Fees

    • Issuer Name

      U.S. Bank

    • Credit Needed

      Excellent Credit

    • Annual Fee

      $0

    • APR

      15.74% - 24.74% Variable

    • Purchases Intro APR

      0% Intro on purchases for 12 billing cycles on purchases

    • Balance Transfer Intro APR

      0% Intro on balance transfers for 12 billing cycles on balance transfers

    • Balance Transfer Fee

      Either 3% of the amount of each transfer or $5 minimum, whichever is greater

    • See all credit card details
  14. Hilton Honors American Express Card

    On American Express' Secure Website.

    Top Rewards Rates

    • 7X

      Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with with hotels and resorts within the Hilton portfolio

    • 5X

      Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations

    • 3X

      Hilton Honors Bonus Points for all other eligible purchases on your Card

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      earn 100,000 Hilton Honors Bonus Points

    • APR

      16.49% - 25.49% Variable

    On American Express' Secure Website.

    On American Express' Secure Website.

    Rates & Fees

    • Issuer Name

      American Express

    • Credit Needed

      Good, Excellent

    • Annual Fee

      $0

    • APR

      16.49% - 25.49% Variable

    • Penalty APR

      29.99% Variable

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • See all credit card details
  15. Terms Apply

    Citi Rewards+® Card

    Citi Rewards+® Card

    On Citi's Secure Website.

    Top Rewards Rates

    • 5X

      ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

    • 2X

      ThankYou®Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

    • 1X

      ThankYou® Points on All Other Purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      20,000

    • APR

      14.24% - 24.24% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      14.24% - 24.24% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Purchases Intro APR

      0% for 15 months

    • Balance Transfer Intro APR

      0% for 15 months

    • Balance Transfer Fee

      Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  16. Citi Premier® Card

    On Citi's Secure Website.

    Top Rewards Rates

    • 3

      Points per $1 spent at Restaurants and Supermarkets

    • 3

      Points per $1 spent at Gas Stations, Air Travel and Hotels

    • 1

      Point per $1 spent on all other purchases

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $95

    • Intro Bonus

      60,000

    • APR

      16.74% - 24.74% Variable

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $95

    • APR

      16.74% - 24.74% Variable

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      0%

    • See all credit card details
  17. Wells Fargo Active Cash® Card

    The information for the Wells Fargo Active Cash® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • APR

      15.74%, 20.74%, or 25.74% Variable APR

    The information for the Wells Fargo Active Cash® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the Wells Fargo Active Cash® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

    • Issuer Name

      Wells Fargo

    • Credit Needed

      Good to Excellent

    • Annual Fee

      $0

    • APR

      15.74%, 20.74%, or 25.74% Variable APR

    • Penalty APR

      None

    • Purchases Intro APR

      0% intro APR for 15 months from account opening

    • Balance Transfer Intro APR

      0% intro APR for 15 months from account opening on qualifying balance transfers

    • Balance Transfer Fee

      3% for 120 days from account opening, then up to 5%; min: $5

    • Cash Advance Fee

      Refer to Important Credit Terms

    • Foreign Transaction Fee

      3%

    • See all credit card details
  18. American Express Cash Magnet® Card

    The information for the American Express Cash Magnet® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Top Rewards Rates

    • 1.5%

      Cash Back on your purchases

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      $150

    • APR

      13.99% - 23.99% Variable

    The information for the American Express Cash Magnet® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the American Express Cash Magnet® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

    • Issuer Name

      American Express

    • Credit Needed

      Good, Excellent

    • Annual Fee

      $0

    • APR

      13.99% - 23.99% Variable

    • Penalty APR

      29.99% Variable

    • Purchases Intro APR

      0% on purchases for 15 months

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      2.7% of each transaction after conversion to US dollars.

    • See all credit card details

See all of our credit cards here.

Best Credit Cards Compared

Credit Card

Rewards Rate

Intro Bonus

Annual Fee

APR

6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

5% cash back on Chase travel purchased through Ultimate Rewards®. After your first year or $20,000 spent.

4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service (after your first year or $20,000 spent)

1.5% cash back on all other purchases.

Additional 1.5% cash back

$0

15.24% - 23.99% Variable

5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

1% cash back on all other purchases - automatically.

N/A

$0

12.24% - 23.24% Variable APR

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

1% Cash Back on other purchases

earn a $200 statement credit

$0

14.74% - 24.74% Variable

8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats

3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

$200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$0

15.24% - 25.24% (Variable)

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.

1% cash back on all other purchases - automatically

N/A

$0

12.24% - 23.24% Variable APR

10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually

5x total points on air travel

3x points on other travel and dining

1 point per $1 spent on all other purchases

50,000 bonus points

$550

17.24% - 24.24% Variable

5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

1% cash back on all other purchases - automatically.

N/A

$0

13.24% - 22.24% Variable APR

5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

2% Cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

1% Cash back on all other card purchases with no limit to the amount you can earn

$750 Cash

$0

13.49% - 19.49% Variable

1.5% cash back on every purchase, every day

5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

$200 cash bonus after you spend $500 on purchases within 3 months from account opening

$0

15.24% - 25.24% (Variable)

1.5% cash back on every purchase made for your business

$750 bonus cash back

$0

13.49% - 19.49% Variable

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

5% categories each quarter!

5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

1% cash back on all other purchases.

$200 Bonus

$0

15.24% - 23.99% Variable

5x on travel purchased through Chase Ultimate Rewards®

3x on dining

2x on all other travel purchases, plus more.

80,000 bonus points

$95

16.24% - 23.24% Variable

4X points on dining, takeout, and restaurant delivery.

2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!

2X points at grocery stores, grocery delivery, gas stations, and EV charging stations.

1X point on all other eligible purchases.

20,000 bonus points

$0

15.74% - 24.74% Variable

7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with with hotels and resorts within the Hilton portfolio

5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations

3X Hilton Honors Bonus Points for all other eligible purchases on your Card

earn 100,000 Hilton Honors Bonus Points

$0

16.49% - 25.49% Variable

5X ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

2X ThankYou®Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

1X ThankYou® Points on All Other Purchases.

20,000 bonus points

$0

14.24% - 24.24% (Variable)

3 Points per $1 spent at Restaurants and Supermarkets

3 Points per $1 spent at Gas Stations, Air Travel and Hotels

1 Point per $1 spent on all other purchases

60,000 bonus ThankYou® Points

$95

16.74% - 24.74% Variable

N/A

N/A

$0

15.74%, 20.74%, or 25.74% Variable APR

1.5% Cash Back on your purchases

$150 Statement Credit

$0

13.99% - 23.99% Variable

Commonly Compared Best Credit Cards:

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What Are the Best Credit Cards?

As you're looking for the best credit card for you in November, there are a few things to keep in mind. Travel rewards credit cards aren't just for travel anymore. Credit card issuers know that some Americans are still uncomfortable with travel, so travel rewards credit cards will continue to offer excellent rewards on groceries, food delivery services and more. Consumer spending is making a comeback, so be on the lookout for fantastic sign-up bonuses on rewards credit cards as issuers compete with each other for customers. With inflation on the rise, you’ll see cash back credit cards offering generous rewards on everyday purchases, such as gas, groceries, online shopping and drugstores.

What makes these cards the best? Learn about standout features from each of the best credit cards.

Chase Freedom Unlimited®

Why this credit card is one of the best: Chase Freedom Unlimited charges no annual fee and earns 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases and 1.5% cash back on all other purchases. Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! See our full review.

Discover it® Cash Back

Why this credit card is one of the best: Cardholders can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. The card offers unlimited 1% cash back on all other purchases. There's no annual fee and no late fee the first time you pay late. At the end of your first year as a cardholder, Discover will match all the cash back you've earned. The card also provides free access to your FICO credit score and charges no annual fee. See our full review.

Blue Cash Everyday® Card from American Express

Why this credit card is one of the best: Blue Cash Everyday Card from American Express offers a 0% introductory APR on purchases for the first 15 months (then a 14.74% - 24.74% variable APR applies). If you're planning to use the card for purchases, you can earn 3% cash back at U.S. supermarkets on up to $6,000 per year and then 1% back. You can also earn 2% cash back at U.S. gas stations and select U.S. department stores and 1% back on other eligible purchases. The card does not charge an annual fee. Terms apply. (See Rates & Fees) See our full review.

Capital One SavorOne Cash Rewards Credit Card

Why this credit card is one of the best: The Capital One SavorOne Cash Rewards Credit Card earns cash back rewards on everyday spending and does not charge an annual fee. Cardholders can earn 3% back on dining, entertainment, groceries and popular streaming services, and all other spending earns 1% back. New cardholders receive a $200 bonus if they spend at least $500 in their first three months with an account. The card also comes with a 15-month 0% intro APR on purchases and balance transfers. See our full review.

Discover it® chrome

Why this credit card is one of the best: This card caters to consumers who want to earn cash back on gas and dining purchases. You'll earn 2% cash back at gas stations and restaurants on up to the first $1,000 in combined purchases quarterly. After that, you'll earn 1% back, along with unlimited 1% cash back on all other purchases. There's no annual fee and rewards never expire. See our full review.

Chase Sapphire Reserve®

Why this credit card is one of the best: The Chase Sapphire Reserve card offers a $300 annual travel statement credit against travel purchases charged during the year, including flights. Once you earn the credit, you can begin earning three points per dollar on travel purchases. You also earn three points on dining and one point on all other purchases. When you redeem points for flights through Chase Ultimate Rewards, they're worth 50% more in travel value. See our full review.

Discover it® Student Cash Back

Why this credit card is one of the best: Even individuals with fair credit or who are new to credit may qualify for this card. Cardholders can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. The card offers unlimited 1% cash back on all other purchases. There's no annual fee and no late fee the first time you pay late. At the end of your first year as a cardholder, Discover will match all the cash back you've earned. The card also provides free access to your FICO credit score and charges no annual fee. See our full review.

Ink Business Cash® Credit Card

Why this credit card is one of the best: Earn $750 bonus cash back after spending $7,500 on the Ink Business Cash Credit Card in the first three months. Cardholders get 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary; and 1% back on all other purchases. This card charges no annual fee and offers a 12-month 0% APR on purchases. See our full review.

Capital One Quicksilver Cash Rewards Credit Card

Why this credit card is one of the best: The Capital One Quicksilver Cash Rewards Credit Card is a simple cash back credit card that offers 1.5% cash back on every purchase, plus a one-time cash bonus of $200 after you spend $500 on purchases within three months from account opening. The card also offers a 15-month introductory 0% APR on purchases and balance transfers. The card charges no annual fee. For consumer protection, the Capital One Quicksilver Cash Rewards Credit Card comes with security alerts, $0 fraud liability and card lock. Eno, Capital One’s digital assistant, generates virtual card numbers to conceal your card information during online purchases and alerts you if it detects mistakes on your statement, such as unexpected transactions or duplicate charges. See our full review.

Ink Business Unlimited® Credit Card

Why this credit card is one of the best: With the Ink Business Unlimited Credit Card from Chase, businesses can earn unlimited 1.5% cash back with every purchase. When you spend $7,500 on purchases in the first three months from account opening, you’ll earn a bonus $750 cash back. There is a $0 annual fee, and the card offers a 0% introductory APR for 12 months on purchases. The Ink Business Unlimited Credit Card comes with travel and purchase coverage benefits including an auto rental collision damage waiver, purchase protection and extended warranty protection. See our full review.

Chase Freedom Flex℠

Why this credit card is one of the best: Chase Freedom Flex offers broad rewards, charges no annual fee and provides a 15-month 0% introductory annual percentage rate on purchases and balance transfers (then a 15.24% to 23.99% variable APR applies). You can earn a $200 cash bonus when you spend $500 on the card within three months of opening it. See our full review.

Chase Sapphire Preferred® Card

Why this credit card is one of the best: The Chase Sapphire Preferred Card offers flexible redemption options when booking flights. Dining purchases earn three points per dollar, and travel purchases earn two points per dollar, which can be redeemed through Chase Ultimate Rewards for 25% more value. Or, you can transfer points on a 1:1 basis to partner airlines and hotels. This card has a $95 annual fee and no foreign transaction fee. See our full review.

U.S. Bank Altitude® Go Visa Signature® Card

Why this credit card is one of the best: The U.S. Bank Altitude® Go Visa Signature® Card earns points across a variety of categories: four points per dollar on dining, takeout and restaurant delivery; two points per dollar at grocery stores, gas stations and electric vehicle charging stations; two points per dollar on qualified streaming services; and one point per dollar on other eligible spending. The card does not charge an annual fee or foreign transaction fee and comes with a 12-month 0% introductory APR. See our full review.

Hilton Honors American Express Card

Why this credit card is one of the best: The Hilton Honors American Express Card earns five points per dollar at U.S. gas stations. You'll earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. 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. Terms apply. See our full review.

Citi Rewards+® Card

Why this credit card is one of the best: The Citi Rewards+® Card earns two points per dollar on up to $6,000 in spending at gas stations and supermarkets each year. For a limited time, new cardholders can also earn five points per dollar on up to $6,000 in air travel and hotel spending in their first year with the card. All other spending earns one point per dollar. On top of that, the card rounds up points to the nearest 10 on every purchase, and there is a 15-month 0% introductory APR. See our full review.

Citi Premier® Card

Why this credit card is one of the best: Earn 60,000 bonus points, redeemable for $600 in gift cards at thankyou.com, after you spend $4,000 on the Citi Premier Card in the first three months. Cardholders earn three points per dollar on air travel and at hotels, gas stations, restaurants and supermarkets; all other purchases earn one point per dollar. This card, which charges a $95 annual fee, also comes with a $100 discount on an eligible hotel stay of at least $500 (excluding taxes and fees) purchased at thankyou.com. See our full review.

Wells Fargo Active Cash® Card

Why this credit card is one of the best: Wells Fargo Active Cash Card cardholders will earn 2% cash rewards on every purchase with no quarterly bonus categories to activate or category restrictions. This card can be a good fallback option anytime you won't get more than 2% back with a different credit card. The card has a 15-month 0% introductory APR for balance transfers. The card has no annual fee and comes with cellphone protection and Visa Signature privileges, including access to 24/7 concierge services and assorted benefits at select luxury hotels. See our full review.

American Express Cash Magnet® Card

Why this credit card is one of the best: This card combines a 0% introductory APR on purchases for the first 15 months with unlimited 1.5% cash back on purchases (then a 13.99% to 23.99% variable APR applies). New cardholders can earn a $150 statement credit after spending at least $1,000 in purchases within three months of opening an account. This card does not charge an annual fee. (See Rates & Fees) See our full review.

How Do Credit Cards Work?

When you use your credit card, you are tapping a line of credit your bank has given you and taking out a short-term loan. The amount is subtracted from your line of credit. When you pay your statement each month, you are paying back the money you borrowed and your line of credit grows again.

If you pay your balance in full when your statement is due, your bank won't charge you interest. If you don't, however, your bank will start charging you interest and your credit line will stay lower. Read more details about how credit cards work.

Types of Credit Cards

The sheer amount of possibilities might feel overwhelming, but there are a variety of different card categories, all with different purposes.

Student credit cards: This type of card can be a good choice for a first credit card. But to qualify, you must be enrolled in a college or a graduate school. Many offer benefits such as cash back, rewards for good grades and free credit scores. According to the Credit CARD Act of 2009, cardholders must be at least 21 years old or be able to show adequate proof of income.

Credit cards for bad credit: If you have a FICO score below 580, you are considered very risky by credit card companies. People with FICO scores below 580 typically do not qualify for traditional credit cards. However, there are unsecured credit cards for bad credit that you might qualify for. Read the fine print carefully so you understand what fees, such as annual fees or application fees, come with these cards.

Secured credit cards: These cards are a good way to establish – or rebuild – your credit. Secured cards require a cash deposit, which is usually between $200 to $500. Your deposit decreases the risk for the lender. You receive a credit card to make purchases, so you’re actually buying items on credit. When you close your account, you get your deposit back, unless you have an unpaid balance.

Balance transfer cards: If you have credit card debt but still have a good credit score, getting a balance transfer credit card can help you save money on interest. The best cards offer a 0% introductory APR for a specified period of time, ranging from 12 to 18 months or so. Balance transfer credit cards often charge a transfer fee, which is usually between 3% to 5% of the total balance transferred.

Rewards credit cards: These credit cards earn points or miles that can be redeemed for a variety of rewards, including cash back, travel and merchandise. They offer flexibility with multiple redemption options and some offer additional points in bonus spending categories such as gas, grocery stores or travel.

Cash back credit cards: If you want to save on everyday expenses, these cards offer cash back rewards on a range of categories. You’ll often get a different rewards rate with each category. For example, you might get 3% cash back on grocery purchases, 2% on gas and 1% on all other types of spending.

Travel rewards credit cards:There are different types of credit cards within this category. For example, there are general travel rewards cards with flexible options, airline-branded cards and hotel-branded credit cards.

How to Apply for a Credit Card

After you choose the credit card you want, you can apply for a credit card online. But don’t hesitate to call the card issuer if you have questions.

Be ready to answer questions about your income, employment status and other personal information. You might get a response quickly, but you’ll still have to wait for the physical credit card to show up, which takes about seven to 10 days.

What Is a Credit Score?

Your credit score is a number that measures your credit risk, so it reflects how well you use credit. When you apply for credit, a credit card company requests your credit scores and reviews your credit report. Your credit score can range from 300 to 850, and the average score is around 710.

How Credit Card Rewards and Bonuses Work

Rewards credit cards allow you to earn rewards for using your credit card. You’ll earn points, cash back or miles for every dollar you spend. These rewards can be redeemed for travel, cash back or merchandise. Rewards cards can be an excellent way to profit from your credit cards as long as you don’t carry a balance.

Most rewards cards entice new customers with a sign-up bonus. With a sign-up bonus, you will earn bonus points if you spend a certain amount of money using the card within the first few months of opening your account.

How Credit Card Interest Works

Most major credit card issuers offer a grace period, which is usually around 21 to 25 days, before you need to pay your bill. This is the period of time between when you made the purchase and when the payment is due.

If you pay the balance in full by the due date, you don’t pay any interest at all. But if you carry a balance, the payment for the next month will include compound interest on the balance you carried. In effect, you’ll be paying interest on your accumulated interest. For this reason, credit card debt can grow at a fast rate.

How Many Credit Cards Should I Have?

If you’re able to manage credit responsibly, you may benefit from carrying more than one credit card. With multiple cards in different categories, you can maximize rewards and benefits and build a strong credit history. Whether you have too many credit cards depends on your spending habits and your ability to repay.

Our team of experts uses a methodology to identify the credit cards most likely to fit your needs. We examine annual percentage rates, annual fees, issuer satisfaction ratings and other factors to determine what cards come out ahead. Learn more»

Your credit report contains personal identifying information, financial account information, your payment history and any negative items, such as a collections account. When you apply for credit, your credit report helps lenders gauge your creditworthiness. Check your credit report for free before you apply for a new credit card.

If you plan to make a big purchase and would like to spread out the payments to make it easier, consider using a credit card with a 0% introductory purchase APR. Many of these low-interest credit cards offer an interest-free period of 12 to 18 months.

Credit card debt is toxic debt because you pay compound interest on the balance. So, take a break from credit cards, pay off your debt and make sure you can use cards responsibly before getting a new one.

Credit cards that charge an annual fee usually have features that can make paying the annual fee worth it. Before you apply for the card, estimate the rewards you’d earn in a year to see whether the benefit outweighs the cost of the annual fee.

Before you cancel a credit card, confirm it's the best thing to do. Closing the card can harm your credit score because it can reduce your available credit and shorten your credit history. Still, if the card has a high annual fee or it's putting you deeper into debt, it might make sense to cancel it. Just make sure you're canceling your credit card the right way.

Redeem your rewards and switch any automatic payments to another card. Pay off your balance or transfer it. Request to cancel the card either by phone or online, and confirm the card has a $0 balance. Finally, check your credit report to confirm the information reported about the closed account is correct.

You can get approved for and start using some cards instantly, but others could take more time. Approval may be delayed if you have a credit freeze in place or are requesting a large credit limit. While the physical card is usually mailed seven to 10 business days after approval, you can check whether the issuer offers expedited shipping or can provide the card number or digital wallet access for immediate use.

[READ: How Long Does It Take to Get a Credit Card?]

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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