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Kartu Kredit Terbaik 2022

Menemukan kartu kredit yang tepat bisa jadi sulit. Panduan ini akan membantu Anda memilih kartu kredit terbaik berdasarkan kategori dan skor kredit.

Ada banyak artikel yang menawarkan saran tentang kartu kredit terbaik dalam berbagai kategori. Anda mungkin menemukan panduan yang berbeda untuk perjalanan, cash back, transfer saldo, dan jenis kartu kredit lainnya. Anda juga dapat menemukan artikel yang mencantumkan kartu kredit terbaik untuk tingkat skor kredit yang berbeda.

Namun dalam panduan komprehensif ini, kami membahas semuanya.

Kami telah membuat daftar kartu kredit terbaik dalam berbagai kategori.

Kartu Chase Sapphire Preferred®

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Singkatnya

Kartu Chase Sapphire Preferred® menetapkan standar untuk hadiah perjalanan dengan menawarkan 5x poin yang sangat baik untuk pembelian perjalanan melalui Chase Ultimate Rewards®, 3x poin untuk makan dan 2x poin untuk semua pembelian perjalanan lainnya. Dan poin bernilai 25% lebih banyak saat Anda menukarkan perjalanan melalui Chase Ultimate Rewards® – Itu berarti bonus pendaftaran 60.000 poin bernilai $750 untuk perjalanan.

Baca ulasan Persyaratan Skor Kredit:Persyaratan Skor Kredit didasarkan pada penelitian tingkat persetujuan Money Under 30 sendiri; memenuhi skor minimum akan memberi Anda kesempatan terbaik untuk disetujui untuk kartu kredit pilihan Anda. Jika Anda tidak mengetahui skor kredit Anda, gunakan alat penaksir skor kredit gratis kami untuk mendapatkan gambaran yang lebih baik tentang kartu mana yang memenuhi syarat untuk Anda. *Uang Di Bawah 30 menggunakan skor FICO 8, yang merupakan salah satu dari banyak jenis skor kredit. * Seorang kreditur dapat menggunakan skor yang berbeda saat memutuskan apakah Anda akan menyetujui kredit. Buruk 500-599 Cukup 600-699 Baik 700-749 Sangat Baik 750-850

Yang Kami Suka:

Monster dengan bonus di muka; 60.000 poin bonus setelah menghabiskan $4.000 dalam tiga bulan pertama.
5X poin untuk perjalanan yang dibeli melalui Chase Ultimate Rewards®, 3X poin untuk makan, 2X poin untuk semua pembelian perjalanan lainnya, plus lebih banyak lagi.
Poin bernilai 25% lebih banyak saat Anda menukarkan perjalanan melalui Chase Ultimate Rewards®

Dapatkan 60.000 poin bonus setelah Anda membelanjakan $4.000 untuk pembelian dalam 3 bulan pertama sejak pembukaan akun. Itu $750 jika Anda menukarkan melalui Chase Ultimate Rewards®.
Nikmati manfaat seperti Kredit Hotel Ultimate Rewards tahunan $50, 5x untuk perjalanan yang dibeli melalui Chase Ultimate Rewards®, 3x untuk bersantap, dan 2x untuk semua pembelian perjalanan lainnya, plus lebih banyak lagi.
Dapatkan nilai 25% lebih banyak saat Anda menukarkan tiket pesawat, hotel, persewaan mobil, dan kapal pesiar melalui Chase Ultimate Rewards®. Misalnya, 60.000 poin bernilai $750 untuk perjalanan.
Dengan Pay Yourself Back℠, poin Anda bernilai 25% lebih banyak selama penawaran saat ini saat Anda menukarkannya dengan kredit pernyataan dengan pembelian yang ada dalam kategori tertentu dan bergilir
Asuransi Pembatalan/Gangguan Perjalanan, Pengabaian Kerusakan Tabrakan Sewa Mobil, Asuransi Kehilangan Bagasi, dan lainnya.
Dapatkan akses gratis ke DashPass yang membuka biaya pengiriman $0 dan biaya layanan yang lebih rendah selama minimal satu tahun saat Anda mengaktifkannya sebelum 31 Desember 2024.

Iuran Tahunan $95 Regular APR 18,24% - 25,24% Variabel Intro APR Intro APR Pembelian N/A , 0 bulan Intro APR Transfer Saldo T/A , 0 bulan

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Kartu Kredit Capital One Venture Rewards

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Singkatnya

Produk unggulan Capital One adalah Kartu Kredit Capital One Venture Rewards dan itu terlihat. Bonus 75.000 mil satu kali setelah menghabiskan $4.000 dalam 3 bulan pertama benar-benar LUAR BIASA, dan 2X mil per dolar yang dihabiskan sama baiknya dengan kartu kredit hadiah perjalanan.

Yang Kami Suka:

Dapatkan 75.000 bonus miles saat Anda membelanjakan $4,000 untuk pembelian dalam 3 bulan pertama sejak pembukaan akun.
2X miles diperoleh untuk $1 yang dibelanjakan untuk semua pembelian
Dapatkan kredit hingga $100 untuk Global Entry atau TSA PreCheck®

Nikmati bonus satu kali 75.000 mil setelah Anda membelanjakan $4.000 untuk pembelian dalam waktu 3 bulan sejak pembukaan akun, sama dengan $750 untuk perjalanan
Dapatkan 2X miles tanpa batas untuk setiap pembelian, setiap hari
Miles tidak akan kedaluwarsa selama masa pakai akun dan tidak ada batasan berapa banyak yang bisa Anda peroleh
Dapatkan kredit hingga $100 untuk Global Entry atau TSA PreCheck®
Nikmati dua kunjungan gratis per tahun ke Capital One Lounges atau ke 100+ Plaza Premium Lounge melalui Jaringan Partner Lounge kami
Dapatkan 5X miles untuk hotel dan sewa mobil yang dipesan melalui Capital One Travel, di mana Anda akan mendapatkan harga terbaik Capital One untuk ribuan opsi perjalanan
Gunakan miles Anda untuk mendapatkan penggantian untuk setiap pembelian perjalanan—atau tukarkan dengan memesan perjalanan melalui Capital One Travel
Transfer miles Anda ke 15+ program loyalitas perjalanan pilihan Anda

Biaya Tahunan $95 Reguler APR 17,49% - 25,49% (Variabel) Intro APR Intro APR Pembelian N/A , N/A Intro APR Transfer Saldo T/A , T/A

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Kartu Kredit Capital One VentureOne Rewards

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Singkatnya

Kartu Kredit Capital One VentureOne Rewards memiliki serangkaian manfaat termasuk bonus satu kali 20.000 mil setelah menghabiskan $500 dalam 3 bulan pertama, APR intro 0% untuk pembelian dan transfer saldo selama 15 bulan (setelah itu tarif standar 16,49 % – 26,49% Variabel berlaku). Biaya transfer saldo sebesar 3% berlaku untuk jumlah yang ditransfer dalam 15 bulan pertama.

Yang Kami Suka:

Bonus satu kali 20.000 mil setelah menghabiskan $500 dalam tiga bulan pertama
1,25 mil diperoleh dari setiap $1 yang dibelanjakan
Tanpa biaya tahunan dan tanpa biaya transaksi luar negeri

$0 biaya tahunan dan tanpa biaya transaksi luar negeri
Dapatkan bonus 20.000 mil setelah Anda membelanjakan $500 untuk pembelian dalam waktu 3 bulan sejak pembukaan akun, sama dengan $200 dalam perjalanan
Dapatkan 1,25X miles tanpa batas untuk setiap pembelian, setiap hari
Miles tidak akan kedaluwarsa selama masa pakai akun dan tidak ada batasan berapa banyak yang bisa Anda peroleh
Dapatkan 5X miles untuk hotel dan sewa mobil yang dipesan melalui Capital One Travel, di mana Anda akan mendapatkan harga terbaik Capital One untuk ribuan opsi perjalanan
Gunakan miles Anda untuk mendapatkan penggantian untuk setiap pembelian perjalanan—atau tukarkan dengan memesan perjalanan melalui Capital One Travel
Transfer miles Anda ke 15+ program loyalitas perjalanan pilihan Anda
Nikmati 0% intro APR untuk pembelian dan transfer saldo selama 15 bulan; 16,49% - 26,49% variabel APR setelah itu; Biaya 3% dari jumlah yang ditransfer dalam 15 bulan pertama

Biaya Tahunan $0 Regular APR 16,49% - 26,49% (Variabel) Intro APR Intro APR Pembelian 0% , selama 15 bulan Intro APR Transfer Saldo Intro 0% untuk transfer saldo, selama 15 bulan

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Hadiah Pelajar Perjalanan dari Capital One

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Singkatnya

The Journey Student Rewards dari Capital One adalah kartu kredit penghargaan siswa yang hebat yang berfokus pada pembayaran tepat waktu. Salah satu manfaat membayar tepat waktu adalah peningkatan dari 1% cash back menjadi 1,25% cash back lainnya adalah Capital One akan secara otomatis meninjau batas kredit Anda hanya dalam waktu enam bulan.

Yang Kami Suka:

Uang kembali 1% untuk semua pembelian dan bayar tepat waktu untuk mendapatkan tambahan uang kembali 1,25%
Secara otomatis dipertimbangkan untuk batas kredit yang lebih tinggi hanya dalam 6 bulan
Tanpa biaya tahunan dan tanpa biaya transaksi luar negeri

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Kartu Kredit Capital One QuicksilverOne Cash Rewards

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Singkatnya

Jika Anda tidak memiliki kredit luar biasa yang diperlukan untuk mendapatkan beberapa bonus yang ditawarkan kartu kredit Capital One lainnya, pertimbangkan Kartu Kredit Capital One QuicksilverOne Cash Rewards. Ini adalah kartu yang bagus untuk kredit rata-rata dan Anda masih bisa mendapatkan uang kembali 1,5% untuk semua pembelian dengan biaya tahunan $39 yang sederhana.

Yang Kami Suka:

Uang kembali 1,5% untuk semua pembelian.
Secara otomatis dipertimbangkan untuk batas kredit yang lebih tinggi hanya dalam enam bulan.
Tidak ada biaya transaksi luar negeri dan biaya tahunan $39 yang sederhana.

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Citi® Double Cash Card – penawaran BT 18 bulan

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Singkatnya

Kartu Uang Tunai Ganda Citi® – Penawaran BT 18 bulan mencakup salah satu tarif hadiah uang kembali harian terbaik yang tersedia untuk pemegang kartu. Untuk waktu terbatas, dapatkan uang kembali $200 setelah membelanjakan $1.500 untuk pembelian dalam 6 bulan pertama pembukaan akun.

Yang Kami Suka:

0% intro APR untuk transfer saldo selama 18 bulan (APR reguler 16,24% – 26,24% Variabel)
Dapatkan uang kembali 2% untuk pembelian baru; uang kembali 1% tanpa batas saat Anda membeli, ditambah 1% tambahan saat Anda membayar pembelian tersebut.
Tidak ada biaya tahunan

Dapatkan 2% untuk setiap pembelian dengan uang kembali 1% tanpa batas saat Anda membeli, ditambah 1% tambahan saat Anda membayar pembelian tersebut.
Untuk waktu terbatas, dapatkan uang kembali $200 setelah membelanjakan $1.500 untuk pembelian dalam 6 bulan pertama pembukaan akun.
Penawaran Khusus Transfer Saldo:0% intro APR untuk Transfer Saldo selama 18 bulan. Setelah itu, variabel APR akan menjadi 16,24% - 26,24%, berdasarkan kelayakan kredit Anda.
Transfer Saldo tidak mendapatkan cash back. Intro APR tidak berlaku untuk pembelian.
Jika Anda mentransfer saldo, bunga akan dikenakan atas pembelian Anda kecuali Anda membayar seluruh saldo (termasuk transfer saldo) sebelum tanggal jatuh tempo setiap bulan.
Ada biaya transfer saldo pengantar sebesar 3% dari setiap transfer (minimal $5) yang diselesaikan dalam 4 bulan pertama pembukaan rekening. Setelah itu, biaya Anda akan menjadi 5% dari setiap transfer (minimal $5).

Biaya Tahunan $0 Regular APR 16,24% - 26,24% (Variable) Intro APR Intro APR Pembelian N/A , 0 bulan Intro APR Transfer Saldo Intro 0% selama 18 bulan untuk Transfer Saldo, 18 bulan

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Kartu Kredit Capital One Platinum Secured

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Singkatnya

Jika Anda khawatir bahwa Anda tidak akan disetujui untuk kartu kredit konvensional atau telah ditolak di masa lalu, Capital One Platinum Secured adalah pilihan yang sangat baik. Sangat jarang menemukan yang tidak membebankan biaya tahunan dan Capital One akan secara otomatis meninjau batas kredit Anda hanya dalam enam bulan.

Yang Kami Suka:

Letakkan uang jaminan yang dapat dikembalikan mulai dari $49 untuk mendapatkan batas kredit awal $200.
Secara otomatis dipertimbangkan untuk batas kredit yang lebih tinggi hanya dalam enam bulan tanpa perlu setoran tambahan.
Tanpa biaya tahunan dan tanpa biaya transaksi luar negeri.

Daftar Sekarang>>

Kartu kredit Pelajar Chase Freedom®

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Singkatnya

Kartu kredit Pelajar Chase Freedom® dapat membantu pelajar mulai membangun profil kredit yang kuat sambil mendapatkan Bonus $50 untuk mendaftar dan melakukan satu pembelian selama tiga bulan pertama. Tidak ada biaya tahunan untuk dimiliki.

Yang Kami Suka:

Bonus $50 setelah melakukan pembelian pertama Anda dalam waktu tiga bulan sejak pembukaan akun
Pertahankan reputasi baik akun Anda dan terima penghargaan $20 setiap ulang tahun akun hingga lima tahun
Tidak ada biaya tahunan

Bonus $50 setelah pembelian pertama dilakukan dalam 3 bulan pertama sejak pembukaan akun
Dapatkan uang kembali 1% untuk semua pembelian
Tidak ada biaya tahunan
$20 Good Standing Rewards setelah setiap ulang tahun akun hingga 5 tahun
Dapatkan peningkatan batas kredit setelah melakukan 5 pembayaran bulanan tepat waktu dalam waktu 10 bulan sejak pembukaan rekening jika memenuhi kriteria kredit
Tidak ada minimal penukaran uang kembali. Hadiah Cash Back tidak kedaluwarsa selama akun Anda terbuka.
Skor kredit gratis dengan Chase Credit Journey

Biaya Tahunan $0 Regular APR 17,24% Variabel Intro APR Intro APR Pembelian N/A , 0 bulan Intro APR Transfer Saldo T/A , 0 bulan

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Kartu Kredit Ink Business Preferred®

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Singkatnya

Kartu Kredit Ink Business Preferred® memberi Anda bonus 100.000 poin setelah Anda membelanjakan $15.000 dalam tiga bulan pertama dan membuat Anda terus kembali dengan 3 poin per dolar yang dihabiskan untuk perjalanan dan memilih kategori bisnis untuk $150.000 pertama yang dihabiskan setiap tahun ulang tahun akun .

Yang Kami Suka:

100.000 poin bonus setelah menghabiskan $15.000 dalam tiga bulan pertama (Senilai $1.250 dalam perjalanan saat ditukarkan melalui Chase Ultimate Rewards®)
3 poin diperoleh per $1 yang dihabiskan untuk perjalanan dan pilih kategori bisnis setiap tahun ulang tahun akun
No foreign transaction fees

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Annual Fee $95 Regular APR 18.24% - 23.24% Variable Intro APR Intro APR Purchases N/A , 0 months Intro APR Balance Transfers N/A , 0 months

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In-Depth Look at the Best Credit Cards on the Market

If you want to get into the nitty-gritty details of the credit cards we recommend, we get into it here:

Best Credit Cards for Travel

Chase Sapphire Preferred Card®

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Chase Sapphire Preferred® Card is one of the top travel cards available.

Not only does it offer one of the best travel reward bonuses around ($750 towards Travel when you redeem through Chase Ultimate Rewards^® or $600 in cash after spending $4,000 in the first three months) , but it also provides 5x points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2x points on other travel purchases, and has no foreign transaction fees.

Though it doesn’t offer a 0% introductory APR, it does provide a low rate for the first year, for both purchases and balance transfers.

APR Pendahuluan :N/A.
Balance transfer fee :Either $5 or 5% of the amount of each transfer, whichever is greater..
Regular APR :18.24% - 25.24% Variable on both purchases and balance transfers.
Annual fee :$95.
Credit needed :Good/Excellent (750+).
Sign-up bonus :60,000 bonus points (worth $750 toward travel when you redeem through Chase Ultimate Rewards^® or $600 in cash) after spending $4,000 in the first three months.
Rewards :5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, plus more.
Unique features :No foreign transaction fees; get 10,000 bonus points for each referral.

See card details/apply or read our full review.

Capital One Venture Rewards Credit Card

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Another one of the top travel credit cards, the Capital One Venture Rewards Credit Card provides a generous bonus of 75,000 miles (equal to $750 in travel) after spending $4,000 on purchases in the first 3 months.

Plus you can also earn 2X miles per dollar on every purchase, every single day.

Balance transfer fee :$0 at this Transfer APR.
Regular APR :17.49% - 25.49% (Variable).
Annual fee :$95.
Credit needed :Excellent (750+, No late payments over 60 days, no bankruptcy or loan defaults).
Sign-up bonus :75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards :2X miles earned for $1 spent on all purchases.
Unique features :Receive up to a $100 credit on Global TSA Pre✓.

See card details/apply or read our full review.

Capital One VentureOne Rewards Credit Card

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A variant of the Capital One Venture Rewards Credit Card, the Capital One VentureOne Rewards Credit Card offers similar terms and benefits.

But the Capital One VentureOne Rewards Credit Card offers a sign-up bonus of 20,000 miles (equal to $200 in travel) after spending $500 on purchases the first three months from account opening.

Regular APR :16.49% - 26.49% (Variable).
Annual fee :$0.
Credit needed :Good/Excellent (700+, No late payments over 60 days, no bankruptcy or loan defaults).
Sign-up bonus :20,000 bonus miles after spending $500 on purchases in the first 3 months.
Rewards :Unlimited 1.25 miles per dollar on every purchase.
Unique features :Use your Venture miles on hotels and flights and even transfer miles to 15+ travel partners.

See card details/apply or read our full review.

Journey Student Rewards from Capital One

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The Journey Student Rewards Card from Capital One is perfect for students and non-students alike.

You don’t need excellent credit, and you can even earn rewards. You’ll start with 1% back on all your purchases, but if you pay your bill on time, you’ll jump to 1.25% cash back .

You’ll also get travel benefits like 24-hour assistance in case of an emergency.

APR Pendahuluan :N/A.
Balance transfer fee :$0 at this Transfer APR.
Regular APR :26.99% (Variable).
Annual fee :None.
Credit needed :Fair (640+).
Sign-up bonus :N/A.
Rewards :1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
Unique features :24-hour assistance including emergency card replacement in case your credit card is lost or stolen while you’re traveling; for every month that you pay on time, you’ll receive an additional 0.25% in rewards for every dollar.

See card details/apply or read our full review.

Best Credit Cards for Cash Back

Discover it® Cash Back

Discover it® Cash Back offers very generous cash back rewards, including 5% on select categories each quarter , like groceries, restaurants, and gas stations. Activation is required and the max spend per quarter is $1,500.

They also offer 1% cash back on all other purchases. But rather than giving you an upfront bonus, instead they match 100% of your rewards within the first year.

They also provide a 0% introductory APR on balance transfers for the first 14 months.

APR Pendahuluan :0% introductory APR on balance transfers for the first 14 months.
Balance transfer fee :3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
Regular APR :11.99% - 22.99% Variable.
Annual fee: $0.
Credit needed :Good to Excellent (700+).
Sign-up bonus :Your cash back will be 100% matched at the end of the first year.
Rewards :5% cash back on quarterly merchants, like gas stations, grocery stores, and restaurants; 1% cash back on all other purchases. Max spend is $1,500 per quarter and activation is required.
Unique features :Redeem rewards for cash at any time; no late fee on your first late payment and paying late won’t raise your APR; no foreign transaction fee; free FICO credit score.

Capital One QuicksilverOne Cash Rewards Credit Card

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The Capital One QuicksilverOne Cash Rewards Credit Card is one of the very best for both cash back and general rewards. It provides unlimited 1.5% cash back on all purchases, which can be redeemed for cash at any time.

It’s designed specifically for consumers with average credit, even if you’ve defaulted on a loan within the past few years. The weak spot on this card is the APR. The regular rate is high among credit cards, and there is no introductory APR offer.

APR Pendahuluan :N/A.
Balance transfer fee :$0 at this Transfer APR.
Regular APR :26.99% (Variable).
Annual fee :$39.
Credit needed :Average (640+; You have limited credit or you’ve defaulted on a loan in the past 5 years).
Sign-up bonus :N/A.
Rewards :Unlimited 1.5% cash back on all purchases
Unique features :Redeem rewards for cash at any time.

See card details/apply or read our full review.

Best Credit Cards for Balance Transfers

Citi® Double Cash Card – 18 month BT offer

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The Citi® Double Cash Card – 18 month BT offer is an outstanding card for balance transfers.

The card has a unique reward system. Instead of paying a flat percentage on purchases, they pay 1% on purchases, and 1% on the payments you make on the card.

So if you charge $1,000 on the card for the month, you’ll receive $10 cash back. But if you pay the balance in full, you’ll receive another $10. It’s a good incentive to get you to pay back what you purchase while intending to take advantage of the rewards.

But the bigger story with this card is they offer a 0% introductory APR on balance transfers for a full 18 months.

APR Pendahuluan :0% on balance transfers for 18 months.
Balance transfer fee :An intro balance transfer fee of 3% applies per transfer (minimum $5) when completed within the first 4 months of account opening. After that, the fee will be 5% per transfer ($5 min.).
Regular APR :16.24% - 26.24% (Variable).
Annual fee :$0.
Credit needed :Good/Excellent.
Sign-up bonus :For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Rewards :Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Unique features :Rewards can be redeemed for statement credits or checks; free monthly credit score.

See card details/apply.

Best Credit Cards for Sign-up Bonus

Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card hits our list of the top credit cards, again.

It offers what we believe is the top travel rewards bonus around ($750 towards travel when you redeem through Chase Ultimate Rewards^® or $1,000 in cash after spending $4,000 in the first three months). Couple that with 3x points on dining and 2x on other travel, and no foreign transaction fees.

APR Pendahuluan :N/A.
Balance transfer fee :Either $5 or 5% of the amount of each transfer, whichever is greater..
Regular APR :18.24% - 25.24% Variable on both purchases and balance transfers.
Annual fee :$95.
Credit needed :Good/Excellent (750+).
Sign-up bonus :100,000 bonus points (worth $1,250 toward travel when you redeem through Chase Ultimate Rewards^® or $1,000 in cash) after spending $4,000 in the first three months.
Rewards :5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, 1X points on all other purchases.
Unique features :No foreign transaction fees; get 10,000 bonus points for each referral.

See card details/apply or read our full review.

Capital One Venture Rewards Credit Card

Another amazing sign-up bonus credit card, the Capital One Venture Rewards Credit Card provides a generous bonus of 75,000 miles (equal to $750 in travel) after spending $4,000 on purchases in the first 3 months.

Plus you can also earn 2X miles per dollar on every purchase – every single day.

Balance transfer fee :$0 at this Transfer APR.
Regular APR :17.49% - 25.49% (Variable).
Annual fee :$95.
Credit needed :Excellent (750+, No late payments over 60 days, no bankruptcy or loan defaults).
Sign-up bonus :75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
Rewards :2X miles earned for $1 spent on all purchases.
Unique features :Receive up to a $100 credit on Global TSA Pre✓.

See card details/apply or read our full review.

Best Credit Cards for General Rewards

Capital One® Savor® Cash Rewards Credit Card

The Capital One® Savor® Cash Rewards card is one of the top rewards cards available. You’ll get an incredible bonus of $300 cash when you spend $3,000 in purchases in the first three months,

You also get 4% cash back on dining and entertainment, which includes a diverse range of merchants, including cafes, bars, fast food chains and even bakeries.

Entertainment includes record stores and video rentals, dance clubs, pool halls, bowling alleys. Cash back rewards never expire and can be redeemed at any time.

APR Pendahuluan :N/A.
Balance transfer fee :$0.
Regular APR :16.24% - 24.24% (Variable).
Annual fee :$95.
Credit needed :Excellent (750+; No late payments over 60 days, no bankruptcy or loan defaults).
Sign-up bonus :$300 cash bonus once you spend $3,000 in purchases in the first three months
Rewards :Unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores, 1% on all other purchases.
Unique features :Redeem cash back for any amount; no foreign transaction fees.

See card details/apply or read our full review.

Best Credit Cards for Students

Chase Freedom® Student credit card

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The Chase Freedom® Student credit card is designed for students, including those with fair credit (and no credit at all).

You’ll get 1% cash back on every dollar you spend using the card, as well as a $20 “Good Standing” reward each year for the first five years. As long as you make a purchase in the first three months you have the card, you’ll also get a $50 bonus.

Another great perk for students is that you can monitor your credit score through the app. You’ll be able to see how your on-time payments are impacting your score.

APR Pendahuluan :N/A.
Balance transfer fee :Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR :17.24% Variable.
Annual fee :$0.
Credit needed: No credit history required.
Sign-up bonus: Earn $50 by making at least one purchase in the first three months.
Rewards: 1% cash back on every dollar spent.
Unique features: Credit limit increase after five monthly on-time payments in the first 10 months; $20 annual bonus for accounts in good standing for the first five years; view your credit score at any time.

See card details/apply or read our full review.

Capital One Platinum Secured Credit Card

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The Capital One Platinum Secured Credit Card can be an option for students with either poor or no credit. If fact, it’s an option for anyone who has bad credit. It’s designed specifically to help you rebuild your credit .

You start with a $200 credit line. You’ll need to make a refundable security deposit of $49, $99, or $200, based on your creditworthiness.

You can then use the card just as you would any other, and Capital One will report your payment history to all three major credit bureaus — TransUnion, Experian, and Equifax. Cardholders will be automatically considered for a higher credit line in as little as six months.

APR Pendahuluan :N/A.
Balance transfer fee :$0 at this Transfer APR.
Regular APR :26.99% (Variable).
Annual fee :None.
Credit needed :Poor (Less than 640; “Rebuilding” you’ve defaulted on a loan more than once or you’ve been declined for a credit card in the last three months).
Sign-up bonus :N/A.
Rewards :N/A.
Unique features :Your payment history will be reported to all three major credit bureaus, helping you to rebuild your credit, or build it for the first time.

See card details/apply or read our full review.

Best Credit Cards for Business

Ink Business Preferred® Credit Card

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The Ink Business Preferred® Credit Card is a great option for business owners and entrepreneurs looking for a robust rewards credit card with tons of business-related perks.

The card starts with an impressive 100,000 bonus point welcome offer for new cardholders that spend $15,000 on purchases in the first three months. This is equivalent to a whopping $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®!

As for rewards, the Ink Business Preferred® Credit Card is perfect for business owners that spend a lot on travel and general business expenses like advertisements and utilities. You’ll earn 3x points per $1 (on the first $150,000 spent in combined purchases) on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines. You’ll also earn 1x points per $1 on all other purchases.

Introductory APR: N/A.
Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater..
Regular APR: 18.24% - 23.24% Variable.
Annual fee: $95.
Credit needed :Good (700+).
Sign-up bonus: 100,000 points when you spend $15,000 on purchases in the first three months.
Rewards: 3x points (on the first $150,000 spent in combined purchases) on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines; 1x points on everything else.
Unique features: Free additional employee cards, fraud protection, purchase protection, and personalized account alerts.

See card details/apply.

Ringkasan

We’ve covered a lot of ground in this guide, including not only the various major credit card categories, but also offers available at the different credit levels for each.

Now it’s up to you to sift through the options, and find the card that best matches your preferences and credit profile.

Featured image: Katya Havok/Shutterstock.com

Baca selengkapnya:

Best Credit Cards for Excellent Credit (Credit Score Above 750)
Best Credit Cards for Good Credit (Credit Score 700-749)
Best Credit Cards for Average Credit (Credit Score 650-699)
Best Credit Cards for Fair Credit (Credit Score 600-649)
Best Credit Cards for Poor Credit (Under 599)

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