Take the guesswork out choosing a card by filtering hundreds of cards by card type, rewards, perks, and their credit score requirements. Don’t worry SuperMoney’s card comparison tool makes it easy.
Once you come up with a shortlist of your top cards, read through our consumer reviews and see whether they live up to the hype.
You may find a selection of cards fits your spending patterns best. After all, the average American adult has five cards in her wallet.
Balance Transfer Credit Cards
Look for credit cards with long 0% APR introductory periods and no fees. If you use them correctly, balance transfer cards can help you get out of debt without paying a dime in interest. Citi Simplicity, Citi Double Cash, and Chase Slate are all great options to consider.
Credit Cards for Building Credit
Don’t let poor credit get in the way of enjoying credit card perks. Get the ball rolling with a credit card that accepts people with less than perfect credit reports. Look for cards that report to all three credit bureaus and have low annual fees. If you make on-time payments and don’t overextend your balance, it could help you improve your credit score. Discover it Secured Card and OpenSky Visa Secured Visa Card are two good starting places if you want to rebuild your score.
Travel Rewards Credit Cards
Travel credit cards can help you earn hundreds or even thousands of dollars in flights, hotels, and luxury perks by simply using them to pay for your everyday expenses. Chase Sapphire Preferred, Barclays Arrival Premier, and Capital One’s Venture are all good options to consider.
Cash Back Credit Cards
Cashback credit cards offer hassle-free rewards with low annual fees. If you have good credit, consider adding at least one cash back credit card with high reward rates to pay everyday expenses, such as gas, restaurants, or groceries. Top cash back credit cards like Discover it Card and Blue Cash Everyday from American Express offer up to 5% cash back, which can save you hundreds of dollars a year.
Student Credit Cards
Not having a credit history will disqualify you from most credit cards worth considering. But it’s not such a problem if you’re attending college. Student credit cards like Deserve Edu Mastercard and Discover it Chrome for Students offer attractive rates, rewards, and perks even if you’re still working on building your credit. Deserve’s Edu Mastercard doesn’t even require a Social Security Number, which opens it to international students.