The Best Credit Cards by Type

We review and rank the cards by category on a monthly basis to provide our readers with the most up-to-date credit card information available. The ranking is based on many factors, including rewards, sign-up bonuses, APRs, benefits, perks and overall customer experience.

Detailed Credit Card Reviews

To make the lives of our readers easier, we independently review each card available on the credit card market to make it easier for our readers to find all of the details they need to make the best decision. These details include things in the fine print many would overlook, such as potential fees.

All
Small Business
Cash Back
Hotel
Miles
Travel Rewards
Secured
Student
Fair Credit
Rewards
Balance Transfer
Gas
Bad Credit
Low Ongoing Rate
  • Credit Card
    Best For
    Type
    Annual Fee
    Reward Rate
  • A simple cash back rewards card that helps you avoid hassles
    Small Business
    $0
    1–2% Cash Back*
  • Great no-annual-fee card for earning rewards on business spending
    Small Business
    $0
    2 Miles per $1*
  • A simple cash back card that’s best for everyday purchases.
    Cash Back
    $0
    1–3% Cash Back*
  • A great cash back card for gas and grocery shopping
    Cash Back
    $95
    3% Cash Back
  • A dynamic rewards card for high-spending business owners
    Small Business
    $295
    1–4 Points per $1
  • A good travel rewards card for people who are casual guests at Hilton hotels and resorts
    Hotel
    $0
    3–7 Points per $1*
  • A great no annual fee card that comes with unlimited 1.5% cash back across categories
    Cash Back
    $0
    1.5% Cash Back
  • A great miles rewards card with no annual fees
    Miles
    $0
    2 Miles per $1*
  • A great miles rewards card with no foreign transaction fee for frequent business travelers
    Small Business
    $99
    1–2 Miles per $1
  • A great credit card for individuals looking for basic travel perks and more opportunities to earn miles
    Miles
    $99
    1–2 Miles per $1
  • American Express Marriott Bonvoy Brilliant Card
    Subheader will be added when card is reviewed
    Hotel
    $450
    2–6 Points per $1*
  • Excellent card for maximizing the rewards you earn while traveling
    Small Business
    $125
    2–6 Points per $1*
  • A card that offers many rewards for business travelers who fly Delta frequently.
    Small Business
    $550
    1–3 Miles per $1
  • American Express Delta SkyMiles Reserve Card
    A good travel card with a great rewards program for frequent Delta flyers.
    Miles
    $550
    1–3 Miles per $1*
  • Best rewards card for frequent fliers and diners
    Travel Rewards
    $250
    1–4 Points per $1
  • An excellent card for earning reward points and free nights at Marriott hotels
    Hotel
    $95
    2 Points per $1
  • A good business card for premium travel benefits
    Small Business
    $595
    1–5 Points per $1*
  • American Express The Platinum Card
    A great rewards card for air travel with premium benefits
    Travel Rewards
    $695
    1–5 Points per $1*
  • An easy-to-use cash back card with quarterly rotating bonus categories
    Cash Back
    $0
    1–5% Cash Back*
  • An excellent no annual fee card that lets you earn unlimited cash back
    Cash Back
    $0
    1.5–5% Cash Back
  • American Express Plum Card
    Subheader will be added when card is reviewed
    Small Business
    $250
    1.5% Cash Back
  • A great rewards card for travelers who like staying at Hyatt Hotels and Resorts
    Hotel
    $95
    1–2 Points per $1
  • Best for those looking for a credit-boosting card with a 0% intro APR
    Secured
    $49
  • Best student credit card with up to 1.25% cash back
    Student
    $0
    1.25% Cash Back*
  • A great card for fair credit with no annual fees
    Fair Credit
    $0
  • Best cash back rewards credit card for everyday spending
    Cash Back
    $0
    1.5% Cash Back
  • Best card for earning cash back across categories
    Cash Back
    $39
    1.5% Cash Back
  • A great no annual fee card that comes with rewards
    Cash Back
    $0
    3% Cash Back*
  • Best secured card for building credit on a budget
    Secured
    $0
  • Excellent card for earning unlimited rewards through employee spending
    Small Business
    $150
    2% Cash Back
  • Capital One Spark Cash
    #N/A
    Small Business
  • A great no-annual-fee business card with a 0% APR offer
    Small Business
    $0
    1.5% Cash Back
  • Best flat-rate rewards card for frequent flyers
    Small Business
    $95
    2 Miles per $1
  • A great rewards card that lets you earn unlimited miles
    Travel Rewards
    $95
    2 Miles per $1
  • The best travel rewards card with no annual or foreign transaction fees
    Travel Rewards
    $0
    1.25 Miles per $1
  • A travel card with a great welcome bonus for frequent Aer Lingus travelers
    Miles
    $95
    1–5 Avios per $1
  • A good choice for British Airways loyalists looking to earn Avios
    Miles
    $95
    1–5 Avios per $1
  • A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status
    Small Business
    $250
    1–3 Miles per $1
  • A solid card with rewards students are sure to appreciate
    Student
    $0
    1% Cash Back
  • An excellent card for earning Delta SkyMiles
    Miles
    $250
    1–3 Miles per $1
  • A good travel card for Iberia loyalists looking to earn Avios
    Miles
    $95
    1–5 Avios per $1
  • A great card to maximize earning unlimited rewards
    Small Business
    $95
    1–3 Point per $1
  • Great no annual fee card for earning points at Marriot properties
    Hotel
    $0
    1–2 Points per $1
  • Fantastic card for earning rewards on office supplies
    Small Business
    $0
    1–5% Cash Back*
  • An outstanding travel card with flexible redemption points
    Travel Rewards
    $550
    1–3 Points per $1
  • A great business card with a flat, simple rewards structure and no annual fees.
    Small Business
    $0
    1.5% Cash Back
  • An excellent no annual fees rewards card for Costco members
    Small Business
    $0
    1–4% Cash Back*
  • One of the best cards available for Costco members who spend a lot on gas
    Rewards
    $0
    1–4% Cash Back*
  • A very good rewards card with no foreign transaction fees and comprehensive travel cover
    Travel Rewards
    $95
    1–2 Points per $1
  • An excellent travel rewards card for international use
    Travel Rewards
    $95
    1–3 Points per $1
  • An excellent business card with Southwest and other travel benefits
    Small Business
    $199
    1–3 Points per $1*
  • The best starter card for the Southwest Airlines flyer
    Miles
    $69
    1–2 Points per $1*
  • A great miles rewards card with no foreign transaction fee for frequent Southwest customers
    Miles
    $99
    1–2 Points per $1*
  • A great miles credit card for international purchases with multiple miles-earning and redeeming opportunities
    Small Business
    $99
    1–2 Points per $1*
  • A good miles-earning credit card with exclusive rewards and no foreign transaction fees
    Small Business
    $99
    1–2 Miles per $1*
  • An excellent card for earning United’s MileagePlus miles
    Miles
    $525
    1–4 Miles per $1*
  • A good miles-earning rewards credit card with some perks and no foreign transaction fees
    Miles
    $95
    1–2 Miles per $1*
  • A great no-annual-fee rewards card for people who fly United
    Miles
    $0
    1 Mile per $1
  • A fantastic card for earning rewards when you stay at IHG hotels and resorts.
    Hotel
    $89
    1–25 Points per $1*
  • The best card for access to the Admirals Club
    Miles
    $450
    1–2 Miles per $1*
  • The best cost-effective credit card for frequent American Airlines travelers
    Miles
    $99
    1–2 Miles per $1*
  • Citi American Airlines AAdvantage MileUp Mastercard
    A great travel card with no annual fee for frequent flyers on American Airlines
    Miles
    $0
    1–2 Miles per $1
  • Citi CitiBusiness AAdvantage Platinum Select Mastercard
    One of the top business travel cards for frequent American Airlines travelers
    Small Business
    $99
    1–2 Miles per $1*
  • Great card for earning points fast for IHG loyalists
    Hotel
    $0
    1–2 Points per $1
  • This business credit card is perfect for earning Hilton Honors points
    Small Business
    $95
    3–12 Points per $1*
  • Best balance transfer card for immediate transfers
    Balance Transfer
    $0
  • A great no annual fee card that offers 2% cash back
    Cash Back
    $0
    2% Cash Back*
  • An excellent credit card for earning Hilton Honors points
    Hotel
    $95
    3–12 Points per $1*
  • An excellent no-annual-fee rewards card with a 0% intro APR offer
    Rewards
    $0
    1–2 Points per $1*
  • Best credit card for building credit with no or limited credit history
    Secured
    $0
  • Best card for earning cash back across categories
    Cash Back
    $95
    1%–10% Cash Back*
  • Best cash back card for those with fair credit
    Gas
    $0–99*
    1% Cash Back
  • Best credit card for prequalifying with bad credit
    Bad Credit
    $0–$99*
    None
  • Best student cash back card for limited credit history
    Student
    $0
    1% Cash Back
  • A solid no-frills credit card with opportunities to repair or build credit
    Fair Credit
    $59*
  • First Access VISA Solid Black Credit Card
    Subheader will be added when card is reviewed
    Bad Credit
    $48*
  • First Digital NextGen Mastercard Credit Card
    Subheader will be added when card is reviewed
    Fair Credit
    $48*
  • Fit Mastercard Credit Card
    Subheader will be added when card is reviewed
    Bad Credit
    $99
  • Indigo Platinum Mastercard
    A great card with global access to rebuild your credit
    Fair Credit
    $0–59
  • Indigo Unsecured Mastercard
    Subheader will be added when card is reviewed
    Bad Credit
    $0–$99*
  • A great travel reward card with no foreign transaction fee and many travel benefits.
    Travel Rewards
    $495
    1.5% Cash Back
  • Mastercard Gold Card
    Subheader will be added when card is reviewed
    Travel Rewards
    $995
    2% Cash Back
  • Best rewards credit card for luxury travel/hotel perks
    Travel Rewards
    $195
    1–2 Points per $1*
  • Merrick Bank Double Your Line Secured Visa
    Best credit card for training good financial habits
    Secured
    $36*
  • Merrick Bank Secured Visa
    Subheader will be added when card is reviewed
    Secured
    $36*
  • Milestone Gold Mastercard
    An ideal card for rebuilding your credit without paying a security deposit.
    Fair Credit
    $35–99
  • Milestone Unsecured Mastercard
    Subheader will be added when card is reviewed
    Bad Credit
    $35 – $99
  • NASCAR Credit Card from Credit One Bank
    Subheader will be added when card is reviewed
    Gas
    $0–$99*
    1% Cash Back
  • Oakstone Gold Secured Mastercard
    Subheader will be added when card is reviewed
    Secured
    $39
  • Oakstone Platinum Secured Mastercard
    Subheader will be added when card is reviewed
    Secured
    $49
  • OpenSky Secured Visa Credit Card
    Subheader will be added when card is reviewed
    Secured
    $35
  • Principal Platinum Merchandise Credit Card
    Best credit card for online spending if you have bad credit
    Bad Credit
    $177.24*
  • Reflex Mastercard Credit Card
    Subheader will be added when card is reviewed
    Bad Credit
    $96*
  • A great no annual fee card that offers rewards and travel benefits
    Low Ongoing Rate
    $0
    1.25 Points per $1
  • A fantastic low-interest card that comes with no annual fees
    Low Ongoing Rate
    $0
  • Southwest Rapid Rewards Priority Credit Card
    Subheader will be added when card is reviewed
    Miles
    $149
    1–2 Points per $1
  • Surge Mastercard Credit Card
    Subheader will be added when card is reviewed
    Bad Credit
    $75– $99
  • Total Visa Unsecured Credit Card
    Subheader will be added when card is reviewed
    Bad Credit
    $48*
  • Solid dining rewards card with no annual fee
    Cash Back
    $0–$99*
    1–4 Points per $1
  • An excellent balance transfer card with no annual fees and an extended intro APR offer
    Balance Transfer
    $0
  • United Quest Card
    Subheader will be added when card is reviewed
    Miles
    $250
    1–3 Miles per $1
  • Wells Fargo Cash Wise Visa card
    Wells Fargo Cash Wise Visa
    Cash Back
    $0
    2% Cash Back
  • Wells Fargo Platinum Card
    Best balance transfer card for building credit
    Balance Transfer
    $0
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MONEYGEEK EXPERT TIP

We rank and collect credit card data based on our proprietary methodology. Our methodology determines the approximate three-year value of the credit card — that is, what consumers can expect from their credit card based on three years of card membership. For further detail on the data points we used, check out our methodology page.

Other Helpful Information About Credit Cards

For more helpful information about credit cards, take a look at our resources, tools and studies. These can help aid you in making the best financial decision for your situation.

Please search or navigate the links below to find other resources, tools and studies that can help empower you to make better financial decisions with your credit and decide which credit card is best for you.

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