NextAdvisor's Best Credit Cards

NextAdvisor has sorted through the major credit cards and reviewed each to help consumers select a card that is right for them. Below are the top credit cards from NextAdvisor’s partners that NextAdvisor has reviewed in each of the major categories.

AD DISCLOSURE
Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. The card offers that appear on this site are from card issuers from which this site and NextAdvisor receive compensation. The site and NextAdvisor does not receive compensation for some of the specific card products listed.
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Best Low APR Card (view all)

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Rating
Balance Transfer APR
0%* for 21 months on Balance Transfers*, then 12.99% - 22.99%* (Variable)
Annual Fee
$0*
Purchase APR
0%* for 21 months on Purchases*, then 12.99% - 22.99%* (Variable)
Credit Needed
Excellent, Good
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
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21-month 0% intro APR on both purchases and balance transfers; post-intro APR is also low
Highlights:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Best Balance Transfer Card (view all)

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Rating
Balance Transfer APR
0% for 18 months, then 11.49% – 23.49% Variable
Annual Fee
$0
Purchase APR
0% for first 6 months, then 11.49% – 23.49% Variable
Credit Needed
Excellent, Good, Average
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
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Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Highlights:
  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Best Cash Back Card (view all)

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Rating
Balance Transfer APR
0% on Balance Transfers for 12 months, then 13.49%-23.49% Variable
Annual Fee
$95
Purchase APR
0% on Purchases for 12 months, then 13.49%-23.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.49%-23.49% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.74%
  • Penalty APR: 29.74%
  • Returned Payment Fee: Up to $38.
Credit Needed
Excellent, Good
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
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6% cash back at U.S. supermarkets on up to $6K in purchases; $150 intro bonus; 0% APR on purchases and balance transfers for 12 months. Terms apply.
Highlights:
  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • $95 Annual Fee. 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.

Best Travel Card (view all)

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Rating
Balance Transfer APR
0% for 12 months (on balance transfers made within 45 days of account opening), then 16.49%, 20.49% or 23.49%* Variable
Annual Fee
$89 - waived first year
Purchase APR
16.49%, 20.49% or 23.49%* Variable
Credit Needed
Excellent/Good
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
:
Terrific all-around travel card with easy rewards redemption, 50K intro bonus miles (equivalent to $500); no blackout dates or restrictions
Highlights:
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers

Best Card for Average Credit (view all)

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Rating
Balance Transfer APR
0% for 14 months, then 11.49% – 23.49% Variable
Annual Fee
$0
Purchase APR
0% for 14 months, then 11.49% – 23.49% Variable
Credit Needed
Excellent, Good, Average
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
:
Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
Highlights:
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Best Student Card (view all)

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Rating
Balance Transfer APR
10.99% for 6 months, then 13.49% - 22.49% Variable
Annual Fee
$0
Purchase APR
0% for first 6 months, then 13.49% - 22.49% Variable
Credit Needed
Fair
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
:
Double your cash back at end of 1st year; 0% intro APR on purchases for 6 months
Highlights:
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.49% - 22.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Best Rewards Card (view all)

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Rating
Balance Transfer APR
0% on Balance Transfers for 12 months, then 13.49%-23.49% Variable
Annual Fee
$95
Purchase APR
0% on Purchases for 12 months, then 13.49%-23.49% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.49%-23.49% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.74%
  • Penalty APR: 29.74%
  • Returned Payment Fee: Up to $38.
Credit Needed
Excellent, Good
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
:
6% cash back at U.S. supermarkets on up to $6K in purchases; $150 intro bonus; 0% APR on purchases and balance transfers for 12 months. Terms apply.
Highlights:
  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • $95 Annual Fee. 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.

Best Business Card (view all)

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Rating
Balance Transfer APR
N/A
Annual Fee
$0
Purchase APR
0% on Purchases for 9 months, then 12.74% - 19.74% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.74% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: Up to $38.
Credit Needed
Excellent, Good
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
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Up to 5% cash back on purchases; $400 bonus opportunity; 0% intro APR on purchases for 9 months; No annual membership fee. Terms apply.
Highlights:
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. The card offers that appear on this site are from card issuers from which this site and NextAdvisor receive compensation. The site and NextAdvisor does not receive compensation for some of the specific card products listed.