Whether you like the flexibility of cash-back rewards, the allure of travel rewards, need to build credit, or pay down some debt, there's a credit card out there for you.
Unfortunately, there's no one best credit card out there for everyone, so we've put together a list of the top credit cards based on different criteria to help you narrow down the selection.
As you read through this list, understand that you may not qualify for all of them. In general, the best credit cards for rewards require that you have at least good or excellent credit, while other options may be more accessible to people with fair, bad, or no credit.
How to pick the right card
If you have a great credit score, you would have many card options, and you should look at the interest rate
. Rewards are key, and which rewards you choose depends on your lifestyle. So, to find out which credit card is best for you, consider your:
- Spending habits
- Personal preferences
- Credit score
With these three things in mind, it'll be easier to understand what works best for you, even if it doesn't work best for the people around you. Compare credit cards side by side
to find one that offers the best combination of features. And if these factors change, you can always apply for a better card in the future. Also, remember to compare credit card rewards side by side as well to make sure the rewards fit your lifestyle.
FAQs on Personal Credit Cards
What is the best credit card for beginners?
Here are some of the best credit cards for beginners. Discover it® Student Cash Back, Capital One® Platinum Credit Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Secured Mastercard®, Discover it® Secured and Citi® Secured Mastercard®.
What is the minimum credit score for a credit card?
Generally speaking, a credit score of between 300 (the lowest FICO score) and 650 is considered bad credit. However, some card issuers will consider scores of 550 to 650 as being simply poor credit and may consider you for an unsecured credit card.
What is a prepaid credit card?
A prepaid credit card is essentially a substitute for cash. It is a secured card issued by a financial institution that has been secured with a prepayment. These cards can be compared to prepaid debit cards which use preloaded funds for transactions.
Why are 0% APR card promotions considered good?
If you need to do a balance transfer or finance a large purchase, there’s no better way to do it than with a 0% APR credit card. The best cards offer several months to pay down debt interest-free.