what credit card is best for me

what credit card is best for me

U.S. News researched the satisfactory credit score cards to be had to help you find the first-rate options for your financial state of affairs and recognize how to make credit score playing cards work on your want. Compare the distinct gives from our companions and choose the card that is right for you.

Best Cash Back Credit Cards of 2018

Cash returned credit score cards are one of the most popular varieties of rewards cards to be had due to the fact they’re pretty easy to apply and understand. But there isn’t a single quality coins lower back card that’s a terrific preference for anybody. Finding the first-rate card for you depends on the card’s rewards application and benefits, your spending conduct and the value of the cardholder benefits you could use.

U.S. News evaluated loads of cash lower back credit cards, deciding on the pinnacle cards with the excellent typical features. Criteria taken into consideration encompass every card’s coins returned incomes price, bonus classes and sign on bonus, which have been in comparison with its annual rate, APR and different card ownership prices. Additional features evaluated encompass every card’s advocated credit rating and the supply of an introductory APR for purchases and balance transfers.

Chase Freedom®: Best for rotating bonus cash back with an easy-to-earn sign-up bonus.
Citi® Double Cash Card — 18 month BT offer: Best for flat-rate cash back.
Blue Cash Preferred® Card from American Express: Best for everyday cash back.
Discover it® Secured: Best secured card for cash back.
Discover it® Student Cash Back: Best student card for cash back.
SimplyCash® Plus Business Credit Card from American Express: Best for business cash back with no annual fee.
Capital One® Savor® Cash Rewards Credit Card: Best for cash back on dining and groceries.
Capital One® Quicksilver® Card - 0% Intro APR for 15 Months: Best for flat-rate cash back with an easy-to-earn sign-up bonus

Best Travel Rewards Credit Cards of 2018

U.S. News evaluated main journey rewards credit score cards, identifying cards with the great typical price for travelers. Travel rewards had been the primary consideration, along with every card’s rewards earning rate on travel purchases, redemption alternatives and the quantity and minimal spending requirement of sign-up bonuses. Potential rewards value changed into weighed towards every card’s annual charge, and handiest playing cards with out a foreign transaction costs were selected as pinnacle alternatives. Exceptional journey benefits were considered, along with travel credit, airport lounge get admission to, unfastened checked bags, precedence boarding and tour insurance.

Every visitor has precise priorities for journey rewards, so there isn’t a unmarried card that’s ideal for all sorts of vacationers. A card that’s perfect for a enterprise tourist might not be a great choice for own family travel. U.S. News’ featured travel rewards credit score playing cards have the excellent gives that meet an expansion of tour rewards desires, starting from excessive-cease journey playing cards with splendid earning rates and extraordinary benefits to flat-charge tour cards without a annual price.
Chase Sapphire Preferred® Card: Best for travel redemption options.
Wells Fargo Propel American Express® Card: Best for travel rewards with no annual fee.
Capital One® VentureOne® Rewards Credit Card: Best for flat-rate travel rewards with no annual fee.
Chase Sapphire Reserve®: Best for travel redemption options with an annual travel credit.
Hilton Honors American Express Ascend Card: Best for loyalty hotel rewards and a large welcome offer.
IHG® Rewards Club Premier Credit Card: Best for a large sign-up bonus and a free annual hotel night.
United℠ Explorer Card: Best for loyalty airline spending with cardholder perks.
Marriott Rewards® Premier Plus Credit Card: Best for loyalty hotel rewards with a free annual hotel stay.
Premier Rewards Gold Card from American Express: Best for earning flexible rewards with travel insurance an an airline fee credit.
Capital One® Spark® Miles for Business: Best for flat-rate business airline miles.
The Business Platinum® Card from American Express OPEN: Best for business flights with an airline fee credit and a large welcome offer.
Starwood Preferred Guest® Business Credit Card from American Express: Best for business loyalty hotel rewards.
The Platinum Card® from American Express: Best for travel rewards with an airline fee credit and global lounge access.
Uber Visa Card: Best for bonus travel rewards with no annual fee.
JetBlue Plus Card: Best for high-earning airline loyalty rewards and cardholder perks.

Best Business Credit Cards of 2018

U.S. News researched top enterprise credit score cards, comparing them to discover the playing cards with the maximum to provide organizations. Rewards fee, which includes the rewards price and signal-up bonus, changed into taken into consideration. Rewards have been weighed in opposition to card costs including the once a year fee, introductory and ongoing APR, overseas transaction charge and balance transfer price. Additional features considered encompass cardholder benefits and the encouraged credit rating for approval.

The spending styles, credit score profile and cash waft of your commercial enterprise can be specific from different organizations, so no unmarried card is good for every business. U.S. News has diagnosed the first-class enterprise credit card offers for a spread of makes use of, consisting of cards without a annual charge, tour rewards, lengthy introductory APRs and availability to organizations with confined credit score.

Ink Business Cash℠ Credit Card: Best for business rewards with no annual fee.
Costco Anywhere Visa® Business Card by Citi: Best for business gas expenses for Costco members.
SimplyCash® Plus Business Credit Card from American Express: Best for business rewards with a 15-month introductory rate on purchases.
The Business Platinum® Card from American Express OPEN: Best for business travel with a large introductory bonus and airline fee credit.
Starwood Preferred Guest® Business Credit Card from American Express: Best for business hotel loyalty rewards.
Capital One® Spark® Cash for Business: Best for flat-rate business rewards with a large sign-up bonus.
Capital One® Spark® Classic for Business: Best for limited-to-average credit with no annual fee.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for business travel rewards with no annual fee.
United MileagePlus Explorer Business Card: Best for business airline loyalty rewards.
Wells Fargo Business Secured Credit Card: Best business secured credit card.

Best Airline Credit Cards of 2018

U.S. News researched main cobranded airline credit playing cards and credit score cards with airline bonus rewards to pick out the great cards to be had for air travel. The cost of each card’s rewards rate for flights become evaluated, at the side of the amount and minimum spending requirement of signal-up bonuses. The card’s annual rate and cardholder advantages, including unfastened checked baggage, priority boarding, tour credit and journey coverage, have been factored in to each card’s normal cost.

Airline loyalty, spending habits and other choices are distinct for each visitor, so the high-quality airline card for you may not be the same as every other traveler’s. A cobranded airline card may additionally offer fantastic rewards cost, but it’s not valuable to you unless you regularly fly with that airline, or a sign-up bonus can be attractive but out of attain for your spending conduct. U.S. News’ pinnacle choices for airline tour rewards credit score cards offer the first-rate value for distinctive wishes, whether you want to maximize your rewards with a selected airline or earn rewards for flights you may redeem with flexibility.

United℠ Explorer Card: Best for loyalty airline spending with cardholder perks.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®: Best for earning airline miles with everyday purchases and cardholder perks.
Southwest Rapid Rewards® Premier Business Credit Card: Best for business flights with a large sign-up bonus and annual bonus miles.
Chase Sapphire Preferred® Card: Best for multiple airline redemption options.
Premier Rewards Gold Card from American Express: Best for earning flexible rewards with travel insurance and an airline fee credit.
Capital One® Spark® Miles for Business: Best for flat-rate business airline miles.
The Business Platinum® Card from American Express OPEN: Best for business flights with an airline fee credit and a large welcome offer.
Hilton Honors Aspire Card from American Express: Best for high-earning flight rewards, a large welcome offer and an annual airline fee credit.
Alaska Airlines Visa Signature Credit Card: Best for companion fares.
JetBlue Plus Card: Best for high-earning loyalty rewards and cardholder perks.

Best Hotel Credit Cards of 2018

U.S. News researched leading cobranded inn credit score playing cards and credit cards with motel bonus rewards to identify the first-rate cards available for motel rewards. The price of every card’s rewards charge for lodge remains was evaluated, along with the quantity and minimum spending requirement of sign-up bonuses. The card’s annual fee and cardholder advantages, inclusive of room improvements, free night time awards, journey credits and travel insurance, were factored into every card’s average cost.

Hotel logo loyalty, spending habits and other choices are special for every vacationer, so the great inn card for you may now not be the same as any other traveller’s. A cobranded resort card may additionally provide outstanding rewards fee, however it’s now not treasured to you until you regularly live with that inn emblem, or a sign-up bonus may be enticing however out of attain to your spending habits. U.S. News’ pinnacle picks for inn rewards credit cards offer the satisfactory price for one of a kind wishes, whether you need to maximise your rewards with a selected hotel emblem or earn tour rewards you may redeem with flexibility.

Hilton Honors American Express Ascend Card: Best for loyalty hotel rewards and a large welcome offer.
Marriott Rewards® Premier Plus Credit Card: Best for loyalty hotel rewards with a free annual hotel night.
IHG® Rewards Club Premier Credit Card: Best for a large sign-up bonus and a free annual hotel stay.
Capital One® VentureOne® Rewards Credit Card: Best for flat-rate travel rewards with no annual fee.
Chase Sapphire Preferred® Card: Best for multiple hotel redemption options.
Starwood Preferred Guest® Business Credit Card from American Express: Best for business loyalty hotel rewards.
The Business Platinum® Card from American Express OPEN: Best for business travel with a large welcome offer.
The Platinum Card® from American Express: Best for travel rewards with hotel and resort perks.
Barclays Choice Privileges Visa Signature Card: Best for loyalty hotel rewards with annual bonus points and no annual fee.
The Ritz-Carlton Rewards Credit Card: Best for cardholder perks and an annual travel credit.

The Best Student Credit Cards

There’s no person credit score card that’s a really perfect in shape for all students. Each scholar has particular wishes and makes use of credit playing cards in different ways. Some college students want to hold a balance; others use credit cards to maximize rewards or build their credit history. U.S. News evaluated pinnacle student credit playing cards based on availability to students with restrained credit score history, fees, introductory and ongoing APR, rewards value and blessings.

Discover it® Student Cash Back: Best student card for rotating cash back with a cash-back match.
Citi ThankYou® Preferred Card for College Students: Best student card for dining and entertainment rewards.
Discover it® Secured: Best for bad credit with rewards and no annual fee.
Bank of America BankAmericard Credit Card for Students: Best student card for a 15-month zero percent introductory APR.
Journey® Student Rewards from Capital One®: Best student card for building responsible credit.

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