Best of Credit Cards

The Best Credit Cards in the Universe?*

*The known universe, of course. Also, we didn't technically review every credit card in the known universe to pick the best one. But here is an unbiased sampling of the cards we think deserve recognition for their star power in a variety of categories.


Best Cash Back Card - Flat Rewards

Blispay

BlisPay

2% all day, everyday. This one is pretty simple. Earn 2% on every purchase. The 6 month financing on purchases over $199 is also a terrific benefit.  If you prefer a legacy bank, the Citi Double Cash is a great option. For those that plan to invest with Fidelity, they also offer a 2% cash back card. Finally, if you qualify for USAA membership, they have a 2.5% cash back card option that is really hard to beat. 



Best Cash Back Card - Rotating Categories 

Chase Freedom

Chase Freedom

Isn't there more to life than 2% cash back? Yes. The Chase Freedom card offers 5% cash back in categories that rotate quarterly. Since many entry level cash back cards offer a $0 annual fee, it makes sense to carry a general purpose card and a rotating category card. Part of maximizing the cash back you earn to fill your penny jar up means having a plan and a cash back card with increased category bonuses is never a bad plan. Bonus feature - points earned from the Freedom can be transferred to the Chase Sapphire Preferred points program if you carry both products, meaning that you are earning 5x points in rotating categories that can be used for travel if you play your cards right.



Best Intro APR - Purchases

Barclaycard CashForward

Barclaycard CashForward World Mastercard

We don't love the Cashforward because it has the longest intro apr period, we love it because it serves a purpose after the 0% period ends. Many intro APR cards aren't worth their weight in plastic after the intro period ends, but that's not true with the CashForward card. You'll earn 1.5% cash back on all of your purchases, plus it comes with a generous $200 new customer bonus. The ongoing APR is 15.99% - 25.99% Variable. If you need to squeeze a couple more months out of an intro APR period, the Citi Simplicity offers a 21 month period. Alas, no rewards.



Best Intro APR - Balance Transfers

Citi Simplicity

Citi Simplicity

The Citi Simplicity offer boasts one of the longest 0% APR periods of 21 months for balance transfers made in the first 90 days of account opening. The APR after that is 14.99% - 24.99%. You'll pay a 3% fee for transferring your balance. The unfortunate thing about Simplicity is that it doesn't offer rewards on purchases. The Discover it is a nice alternative with an 18 month intro period and cash back earning power. If you live on the North East coast, the Santander Sphere is a terrific choice with an industry leading intro period of 24 months. We admittedly have nothing witty to say here. Carrying existing balances are nothing to joke about. Just ask Navient how much we cry when we talk to them. If you have a lot of debt to consolidate, you may also want to consider a personal loan. There are some great low interest options there to help you streamline your finances. 



Best Rewards for Travel 

US Bank FlexPerks Gold

U.S. Bank FlexPerks Gold

Goldmember once said "I love gold" and Goldmember deserves more quoting. By name, the U.S. Bank Flexperks is a flexible travel card that will serve you well. Earning 3 points at restaurants, 2 points on travel and gas, and 1 point on everything else, you should be able to bank a fair amount of points in your first year. The welcome bonus alone is worth $600 in travel. The annual fee is offset the first year by Global Entry or PreCheck membership, which is a must have for anyone traveling more than twice a year. Lines are for suckers. Our runner up for a travel card is the Bank of America Premium Rewards Card.



Best Rewards for General Use

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Do you think travel is the best? Aren't gift cards the greatest? You know what I love? Cash back. Have we mentioned we have commitment issues? Don't worry. There is a card for that. The Sapphire Preferred offers a flexible point rewards system. Points you earn can be redeemed for cash back, gift cards, redeemed for travel for a 25% bump in rewards value, or even transferred to over a dozen hotel and airline partner reward programs. This is really a great card for people who don't remain loyal to a hotel or airline chain, and sometimes like to redeem points for gifts or cash back, a perk that is especially useful around holiday shopping season. If you're looking for a runner up, the AmEx Everyday runs a similar rewards program without carrying an annual fee, but it offers a slightly smaller base of transfer partners.



Best Airline Credit Card

AAdvantage Aviator Red World Elite Mastercard

I want to fly like an eagle....with American Airlines? Barclaycard offers 60,000 bonus miles after your first purchases on this card, plus you'll get 10% miles back every time you make a reward booking. Add in that your first checked bag is free and you'll tack on some additional value. American also offers a flexible rewards network of travel partners, so you can catch a flight out of most airports. At the end of the day, the best airline card is going to be for the airline that has the best flight ability at the airport closest to you.



Best Hotel Credit Card

Hilton Honors Surpass

Hilton Honors Surpass Card

With the automatic gold status that comes with complimentary breakfast during stays, room upgrades, and more the Surpass is excellent for families that have weekend trips. The Embassy Suites large rooms are a great place to spend a weekend! Our runner up is the Marriott card, with it's complimentary annual night at a category 1-5 hotel. Just keep in mind that if you value price over hotel loyalty and status when booking, a hotel card might not be the best fit for you. Take a look at our rewards page for other options. 



Best Luxury Card for Travel

Cit Prestige

Citi Prestige Card

We're so fancy, but you already know that. The Prestige card is loaded with perks, but carries a hefty annual fee of $450. Our favorite perk is the 4th night free benefit, get you your 4th night free at any hotel you book on your Prestige card using the Citi travel concierge. That's right, you get a travel concierge. Other perks include a $250 air travel statement credit that is automatically applied to your account for airline, baggage, or upgrade costs from airlines. You'll also receive membership to Priority Pass lounges for you and 2 guests. The 4th night free gives this card it's edge against the Sapphire Reserve, our runner up.



Best Limited Time Offer

Alaska Airlines Visa Signature® CreditCard

Alaska is currently offering a limited time offer where if you buy 1 ticket you get 1 companion ticket on the same itinerary for just the taxes and fees. This card keeps the good news coming each year with an additional companion ticket, you just pay $99 + taxes and fees. Alaska partners with many major airlines like American, so don't let the name fool you. You'll be able to go places other than the frigid Northwest with this offer. (If Alaska is your thing, we don't judge. We hear they have good beer.)



Penny for your thoughts?

There you have it. Our list of the best credit cards. Are we missing something? Did our list make you sad? E-mail us and let us know.


Best Credit Cards in the Universe?
Card Best for
BlisPay Cash Back - Flat Rewards
Chase Freedom Cash Back - Rotating Categories
Barclaycard CashForward World Mastercard Intro APR - Purchases
Sphere Credit Card Intro APR - Balance Transfers
U.S. Bank FlexPerks Gold Travel Rewards
Chase Sapphire Preferred® Card General Use Rewards
AAdvantage Aviator Red World Elite Mastercard Airline
Hilton Honors Surpass Card Hotel
Citi Prestige Card Luxury Card for Travel
Alaska Airlines Visa Signature® Credit Card Limited Time Offer