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Best Credit Cards of 2018

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best credit cards of 2018

Which credit card is best? In truth, there is no one-size-fits-all card; the best credit card for you depends on your personal needs, wants, and lifestyle. From cash back and sign-up bonuses to luxury perks, travel rewards and more, our experts analyzed 3,476 credit cards to narrow down the winner in each category. Explore our top picks from our partners and find the best credit card for you.

BEST SIGN-UP BONUS CREDIT CARD

BEST CASH BACK CREDIT CARD FOR FLAT-RATE REWARDS

BEST CASH BACK CREDIT CARD FOR EVERYDAY SPENDING

BEST TRAVEL REWARDS CREDIT CARD

BEST REWARDS CREDIT CARD

BEST 0% APR CREDIT CARD

BEST NO ANNUAL FEE CREDIT CARD

BEST BALANCE TRANSFER CREDIT CARD

BEST DINING CREDIT CARD

BEST GAS CREDIT CARD

BEST LOW INTEREST CREDIT CARD

BEST NO FOREIGN TRANSACTION FEE CREDIT CARD

BEST AIRLINE MILES CREDIT CARD

BEST BUSINESS CREDIT CARD

BEST FAIR CREDIT CREDIT CARD

BEST CREDIT CARD FOR BAD CREDIT

BEST STUDENT CREDIT CARD

Our methodology and research

3,476Credit Cards Analyzed
600Banks Analyzed

Criteria Used

Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.

Common Benefits:

  • Auto rental Insurance
  • Extended warrant program
  • Travel accident insurance
  • Purchase protection
  • Price protection
  • Lost Luggage reimbursement
  • Concierge service
  • Roadside assistance
  • Free credit score

What factors to consider when choosing the best credit card

When you are ready for a new credit card, you’ll first want to identify which type is right for you. With the right card, you can earn hundreds of dollars a year, build your credit or enjoy special travel benefits. Here are 8 questions to ask yourself in your endeavor to choose the best card.

Want to build credit?

Most credit cards, including cards for authorized users, allow you to build credit. But check with the card issuer to make sure they’ll report your credit habits to the 3 major credit bureaus.

Paying a lot of interest and fees?

A balance transfer card helps take away the sharp edges of credit card debt, although you still need to pay off the balance before the 0% intro APR offer ends.

Credit not its best?

Cards for consumers with bad or thin credit can help with this.

Willing to strategize your spending?

A couple of cards offer quarterly categories of 5% cash back – such categories as home improvement stores, wholesale clubs and Amazon.com. Load up on spending each quarter for rotating categories.

Specific categories you often use?

Some cards, such as the Amex Blue Cash cards, offer improved rewards year-round on such categories as gas and groceries.

Want to use it and forget it?

For those of us who don’t want to think about our shopping rewards, some travel and cashback cards reward at a flat rate for all spending.

Travel your thing?

If you plan to travel often (or even occasionally), some cards reward for worldwide travel and restaurants, such as the Chase Sapphire cards. Flat rate travel cards are also available.

Have a favorite brand?

Express yourself with a card that delivers miles for using your hotel or airline brand of choice.

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


A Guide to Finding the Perfect Credit Card for You

The credit cards in your wallet are some of the most important financial tools in your life. You might be on the hunt for the perfect balance transfer card. Or you could have your eye out for the right travel card offer. Whatever the reason, the best card for you awaits. At CreditCards.com, we’ve compiled thousands of hours of research to help you find the best credit cards across several different categories.

We also recognize that there is not one single best card for all occasions; different people have different needs at different times, and the card you use at the grocery store is not necessarily the card you should use to book airplane tickets. With new credit cards constantly entering the market and offers frequently changing, it can be tough to wrap your head around the available options. We’re all over it for you. Check this page regularly for the latest information on the best credit cards and how they compare to the field – we update it almost every day!


best credit cards of 2018Here is a summary of our top picks in an easy to read table! If you have any questions, feel free to email us at editors@creditcards.com.

CreditCards.com’s best credit cards of 2018:

  • Chase Sapphire Preferred® Card – Sign-up Bonus
  • Capital One® Quicksilver® Card – Flat-rate Rewards
  • Discover it® Cash Back – Everyday Spending
  • Capital One® Venture® Rewards Credit Card – Travel
  • Wells Fargo Propel American Express® Card – Rewards
  • Citi Simplicity® Card – 0% Intro APR
  • Chase Freedom Unlimited® – No Annual Fee
  • Discover it® Balance Transfer – Balance Transfers
  • Capital One® Savor® Cash Rewards Credit Card – Dining
  • Blue Cash Everyday® Card from American Express – Gas
  • Capital One® VentureOne® Rewards Credit Card – Low Interest
  • Bank of America® Travel Rewards credit card – No Foreign Transaction Fee
  • Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® – Airline Miles
  • Ink Business UnlimitedSM Credit Card – Business
  • Capital One® Platinum Credit Card – Fair Credit
  • Credit One Bank® Visa® Credit Card – Bad Credit
  • Discover it® Student Cash Back – College Students

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