How we rate our cards Advertiser Disclosure

Credit Cards

Compare top offers by category. Read our expert reviews and recommendations. Feel confident when you apply.

Best Cards

CardMatch™

Balance Transfer

0% APR

Cash Back

Explore more

Rewards Business Travel Student No annual fee

Bankrate's promoted cards from our partners for October 2024

Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site. Terms Apply.

BEST FOR EVERYDAY CASH REWARDS

Wells Fargo Active Cash® Card

Apply now

on Wells Fargo's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Bankrate Score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

4.3

Rewards Rate:

Earn unlimited 2% cash rewards on purchases.

Welcome Offer:

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Regular APR:

19.74%, 24.74%, or 29.74% Variable APR

Purchase Intro APR:

0% intro APR for 12 months from account opening

Balance Transfer Intro APR:

0% intro APR for 12 months from account opening on qualifying balance transfers

Annual Fee:

$0
This card not only carries one of the best flat rewards rates out there, but also a generous sign-up bonus and a decent intro APR offer, features often missing on competing cards. This makes it easily one of the best flat-rate cash rewards cards on the market.

Read our full Active Cash card review.
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

See Rates & Fees

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Apply now

on Chase's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

5.0

Rewards Rate:

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Welcome Offer:

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Regular APR:

21.49% - 28.49% Variable

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
This card’s points are worth 25 percent more when you redeem for travel through Chase Travel℠ and you can transfer rewards to a long list of popular airline and hotel transfer partners, making it a great pick if you’re looking for an ultra-flexible, low-cost travel card.

Read our full Chase Sapphire Preferred review.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC

BEST FLEXIBLE BUSINESS TRAVEL CARD

American Express® Business Gold Card

Apply now

on American Express's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

5.0

Rewards Rate:

Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*. 1X is earned for other purchases. **.

Welcome Offer:

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Regular APR:

18.99% - 27.99% Variable

Purchase Intro APR:

0% on purchases for 6 months from the date of account opening

Balance Transfer Intro APR:

N/A

Annual Fee:

$375
Since it automatically earns rewards in your two biggest eligible spending categories, this card is a great option for small-business owners looking for a simple way to earn travel points. Amex points are also more valuable and flexible than the average credit card rewards.

Read our full Amex Gold Business card review.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply

See Rates & Fees , Terms Apply

Tools & Reviews

5.0

Bankrate Score

Read review

4.7

Bankrate Score

Read review

All credit card reviews

Credit cards compare tool

Credit card payoff calculator

Balance transfer calculator

Credit utilization calculator

We asked the Bankrate Experts: What is your favorite piece of credit card advice?

Seychelle Thomas

Writer, Credit Cards

Katie Kelton

Senior Writer, Credit Cards

Ana Staples

Lead Writer, Credit Cards

Ted Rossman

Senior Industry Analyst, Credit Cards

"I know it’s a hassle, but reading the fine print is underrated. Know what fees, APRs and benefits you’re signing up for. You might uncover extra value from features that aren’t advertised or discover some nasty fees to avoid. When you know what the terms are, it’s easier to get the most from your cards and avoid pitfalls."

"Credit card rewards, welcome bonuses and added perks — like travel insurance or savings on certain brands — are essentially free money. By swiping a card for everyday purchases, you can earn rewards toward your next trip or cash in your wallet. Pay your balance on time and in full to avoid interest fees and credit dings."

"I think the best habit is to treat your credit card like a debit card. Don’t spend more money than you can easily pull from your checking account. If you can’t pay off a purchase within a couple of weeks, you can’t afford it. This practice can help you avoid credit card debt — and expensive interest charges."

"There’s a saying that credit cards are like power tools. As in, really useful or dangerous. It’s all about how you use them. Half of cardholders pay in full every month and benefit from rewards and buyer protections. The other half can get trapped in an expensive debt cycle. Pay in full and get credit cards working for you."

Featured by names you know and trust

The latest

Top reasons your growing business may require a new credit card, plus what to look for in a new business credit card.

Citi Concierge saves time for busy travelers with the Citi Strata Premier℠ Card.

Man Opens Package After Delivery of Online Order

Here’s how I decided between Blue Cash Preferred and Blue Cash Everyday.

design image of a clothesline with books hanging

While these two credit products are similar, there are key differences.

The Ink Business Unlimited is better for business owners who prefer flat rewards.

Know what steps to take to improve your credit score fast.

Beautiful businesswoman is working on the laptop, making online purchases with a card

Are you getting top value from your Amex card? Check out benefits you may be missing.

Your credit card’s 15 or 16-digit number helps authenticate transactions.

The Ink Business Unlimited is better for business owners who prefer flat rewards.

Young woman uses smartphone and smiles with credit card in hand with a young man

Learn more about which Discover credit card suits your credit card goals

woman using a credit card to shop online

A new credit card, timed right and used strategically, can help you fight high prices.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

a group of friends studying at a university

Learn how to choose a credit card for college students and what to look for.

woman using smartphone and credit card while sitting in cafe

Find out the pros and cons of a 0 percent intro APR credit card.

Your credit score is better served by paying your balance in full.

A mid adult couple viewing a home furniture showroom together, one man is lying on a bed while his fiancé sits near him on the bed. They are testing out the bed and considering buying it.

Deferred interest deals can be enticing but you could pay more than you expected.

Learn more about which Discover credit card suits your credit card goals

a young man at home holding a credit card and using a computer

Here’s what you need to do if your credit card APR increases.

close up of hands making contactless payment using phone

Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.

Man making an online payment on his smartphone using his credit card

Here are eight balance transfer credit card mistakes that you want to avoid making.

Choosing between the cards depends on whether you prioritize debt payoff or rewards.

Girl sitting at desk in living room study on laptop making notes

A balance transfer credit card from Wells Fargo can help you consolidate and pay down your existing credit card balances.

design image of two women looking at a laptop and with a pen and notepad

Create a debt repayment plan to get more out of your balance transfer card.

Find out the pros and cons of a 0 percent intro APR credit card.

A statement credit, which is a card benefit, can help bring down your card balance.

Three friends laughing and eating at an outdoor restaurant

The Capital One Savor is the ultimate card choice for food lovers and fun seekers but comes with an annual fee.

Person looking at tablet and credit card

Both cards can offer you a lot of cash back bang for your buck.

Mom at home on computer with her young son

Retailers pay a commission to cash back sites as you make qualifying purchases.

A new credit card, timed right and used strategically, can help you fight high prices.

Woman paying bills while sitting on sofa

Compare and contrast these two top of the line rotating bonus category cards.

Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.

Learn the current rotating cash back categories for Chase, Discover and Citi.

Learn whether the American Express Green Card and its benefits are worth the annual fee.

Discover offers a broad range of credit cards that let you rack up rewards for cash back, travel and more.

design element of a hand holding a credit card

Rewards credit cards offer rewards in the form of cash back, points or miles.

Whether card rewards are taxable depends on whether they are a rebate on spending

young person holding up a shirt while shopping in a store

Department store purchases can add up quickly. Why not earn rewards on them?

Choosing between the cards depends on whether you prioritize debt payoff or rewards.

design element inlcuding an older couple walking outside with their luggage

Find out some awesome ways to use 100k points, plus where to find them.

Find out the lesser-known credit card perks that could benefit you.

Credit Cards

Card Type

Card Issuer

Credit Type

Bankrate's promoted cards from our partners for October 2024

BEST FOR EVERYDAY CASH REWARDS

Wells Fargo Active Cash® Card

Features

Bankrate's View

Card Details

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Features

Bankrate's View

Card Details

BEST FLEXIBLE BUSINESS TRAVEL CARD

American Express® Business Gold Card

Features

Bankrate's View

Card Details

Tools & Reviews

We asked the Bankrate Experts: What is your favorite piece of credit card advice?

The latest