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With so many great credit cards you can apply for, it’s easy to feel overwhelmed. You may want your new card to earn rewards, enjoy lavish benefits, or build credit. Below are the best credit card reviews from our expert writers. If there’s a credit card review that interests you, click the link for our in-depth credit card review.
Best Credit Card Reviews 2020: Travel Rewards Cards
The best travel credit cards usually have higher redemption values than cash rewards. These flexible travel credit cards let you earn and redeem bonus points with multiple travel carriers.
Capital One Venture Rewards Credit Card
Earn unlimited 2x miles on every purchase with the Capital One® Venture® Rewards Credit Card. Hotels.com/venture purchases earn 10x points through January 2020. You can redeem your Capital One miles for travel statement credits, book upcoming travel, or transfer to airline partners. Capital One waives the $95 annual fee for the first year. Find out more: Capital One Venture Card Review
Chase Sapphire Preferred
The Chase Sapphire Preferred® Card is one of the best travel rewards cards for any traveler. Earn 2x Chase Ultimate Rewards points on travel and dining. Points are worth 25% more when booking award travel and you have 1:1 point transfers to airlines and hotels including United, Southwest, Emirates, and Hyatt. Find out more: Chase Sapphire Preferred Card Review
Platinum Card from American Express
The Platinum Card® from American Express earns up to 5x Membership Rewards on flights and hotels. Points can be transferred on a 1:1 ratio to British Airways, Delta, Emirates, and other airline partners. Frequent flyers will also enjoy the $200 airline fee credit, access to several airport lounge networks, and a fee credit for Global Entry or TSA Precheck. Find out more: American Express Platinum Review
Chase Sapphire Reserve
One of the most flexible premium travel credit cards is the Chase Sapphire Reserve®. Earn up to 3x Ultimate Rewards points on dining. Also earn 3x points on travel purchases once you earn the $300 travel credit. Get a 50% travel redemption bonus or transfer points to the 13 Chase Ultimate Rewards travel partners. Card benefits include a $300 annual travel credit, Priority Pass lounge membership, and Global Entry or TSA PreCheck fee credit. Find out more: Chase Sapphire Reserve Review
American Express Gold Card
Enjoy an annual $100 airline fee credit and up to $120 in dining credits (enrollment required) with the American Express® Gold Card. Earn 4x points on dining worldwide and U.S. supermarkets purchases (up to $25,000 per year at U.S. supermarkets, then 1x). Flights booked directly through the airline or on AmexTravel earn 3x points. You can transfer your points to the 1:1 airline and hotel Membership Rewards transfer partners. Find out more: American Express Gold Credit Card Review
The Citi Premier℠ Card earns up to 3x points on travel and gas stations. Dining and entertainment earn 2x points. Your points are worth 25% more when booking airfare or you can transfer them to airline partners. Find out more: Citi Premier Review
The Citi Prestige® Credit Card’s most valuable benefit is getting the 4th hotel night free on a 4+ night stay (up to two times a year). Air travel and restaurant purchases earn 5x points per $1. Hotel and cruise line purchases earn 3x points per $1. Other travel benefits include a $250 travel credit and Priority Pass lounge membership. Find out more: Citi Prestige Review
Credit Card Reviews 2020: Airline Credit Cards
Co-branded airline miles credit cards honor your loyalty by offering perks that can save you money each time you travel with them.
Gold Delta SkyMiles Credit Card from American Express
You and up to 8 travel companions get the first checked bag free with the Gold Delta SkyMiles® Credit Card from American Express. Direct Delta purchases earn 2x SkyMiles and you receive 20% savings on in-flight purchases. You also get Priority Boarding. Find out more: Best Delta Credit Cards Review
Southwest Rapid Rewards Priority Card
The Southwest Rapid Rewards® Priority Credit Card is the ultimate card for Southwest Airlines flyers. Perks included 4 Upgraded Boardings per year and a $75 annual Southwest travel credit. Purchases earn up to 2x Rapid Rewards points which also qualify for the annual Southwest Companion Pass point requirement. Find out more: Best Southwest Credit Cards Review
United Explorer Card
Earn 2x miles on restaurants, hotels, and United purchases with the United℠ Explorer Card. United Airlines benefits include 25% in-flight savings, first checked bag free for you and one companion, two one-time United Club passes each year, and Global Entry or TSA PreCheck fee credit. Find out more: Chase United Explorer Card Review
Credit Card Reviews: Hotel Credit Cards
The best hotel credit cards usually have a free hotel night vouchers. You can also enjoy enhanced loyalty status among other perks.
Hilton Honors American Express Aspire Card
This premium hotel credit card, Hilton Honors American Express Aspire Card, earns up to 14x Hilton Honors points on purchases at participating Hilton properties. Other benefits include complimentary Diamond status, up to $250 in Hilton credit, $250 airline fee credit, and up to two free Hilton weekend night certificates. Find out more: Best Hilton Honors Credit Card Review
IHG Rewards Club Premier Credit Card
Get one free hotel night redeemable each card anniversary, 4th night free on 4+ night award stays, and automatic Platinum Elite status with the IHG® Rewards Club Premier Credit Card. You can also get a Global Entry or TSA PreCheck fee credit. Find out more: Chase IHG Credit Card Review
World of Hyatt Credit Card
Enjoy several free nights every year, depending on how much you use your World of Hyatt Credit Card. You will receive 1 free night after your cardmember anniversary and an extra free night if you spend $15,000 during your cardmember anniversary year. You also get automatic World of Hyatt Elite status and 5 qualifying night credits annually. Hyatt purchases earn up to 9x points. Find out more: World of Hyatt Credit Card Review
Credit Card Reviews 2020: Cash Back Credit Cards
Get the highest cash rewards with some of these best cash back credit cards 2019.
Blue Cash Everyday Card
Earn 3% back at U.S. supermarkets (up to $6,000) and 2% back at U.S. gas stations and select U.S. department stores with the Blue Cash Everyday® Card. Receive your rewards as a monthly statement credit. Find out more: American Express Blue Cash Everyday Card Review
Capital One Savor Cash Rewards Credit Card
The Capital One® Savor® Cash Rewards Credit Card is ideal for dining and entertainment purchases as you can earn an unlimited 4% back. You’ll also earn an unlimited 2% back on grocery store purchases. Cash rewards are redeemable in any amount. Find out more: Capital One Savor Cash Rewards Credit Card Review
Earn up to 5% back on quarterly bonus purchases and an unlimited 1% back on everything else with the Chase Freedom®. This card doesn’t have an annual fee. Find out more: Chase Freedom Review
Credit Card Reviews: Cards To Build Credit
These can be the best credit cards to boost your score if your credit score is in the 500s or lower 600s.
Capital One Platinum Credit Card
You can receive a higher credit limit after making your first 5 monthly payments on time with the Capital One® Platinum Credit Card. This card doesn’t have an annual fee. Find out more: Capital One Platinum Credit Card Review
Discover it Secured
The Discover it® Secured doesn’t charge an annual fee and earns up to 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter. Your credit limit is equal to your refundable security deposit. Find out more: Best Discover Credit Cards Review
Credit Card Reviews 2020: Business Credit Cards
These are some of the best small business credit cards (2020) that can boost your business spending.
Ink Business Preferred Credit Card
Travel and select business purchases including online advertising and shipping earn up to 3x Ultimate Rewards points with the Ink Business Preferred℠ Credit Card (only on the first $150,000 spent annually, then 1x per $1). Points are worth 25% more when booking award travel and you can transfer to the 1:1 Chase travel partners. Find out more: Ink Business Preferred Card Review
American Express Blue Business Credit Cards
Get 2% back/2x points per $1 on the first $50,000 in annual purchases (then unlimited 1% back) with either the American Express® Blue Business Cash Card (for cash back) or the Blue Business® Plus Credit Card from American Express (for travel rewards). Rewards points are redeemable for cash, travel, or 1:1 Membership Rewards point transfers. Find out more: Amex Blue Business Credit Cards Review
American Express Business Gold Card
Earn up to 4x Membership Rewards points on 2 select categories where your business spent the most each month with the American Express® Business Gold Card. Get 25% points back when booking award flights, up to 250,000 points back per calendar year. Or, transfer points to 1:1 airline and hotel transfer partners. Find out more: American Express Business Gold Review
Business Platinum Card from American Express
With the Business Platinum® Card from American Express, you’ll earn 5x points on flights and hotels booked through AmexTravel.com and get 35% points back on award flights, up to 500,000 points per calendar year. Enjoy travel perks like a $200 airline fee credit and airport lounge access. Find out more: Amex Business Platinum Card Review
Southwest Rapid Rewards Performance Business Credit Card
Get up to 3x Rapid Rewards points on Southwest purchases with the Southwest Rapid Rewards® Performance Business Credit Card. Enjoy free inflight WiFi credits and 4 Upgraded Boardings per year. Receive 9,000 bonus points every card anniversary. Find out more: Southwest Airlines Business Credit Card Review
Summary of Credit Card Reviews
These credit card reviews make it easy to optimize your wallet. By narrowing down your options, you can find the card that makes the most sense for your spending habits. Boosting your purchase power can help you save money when redeeming points for future purchases or vacation bookings.
Credit Cards: Definition and Information to Get Started
What is a Credit Card?
A credit card is defined as a plastic card issued by banks that allows you to borrow money and make purchases. Credit cards follow the “buy now, pay later” model. Unlike debit cards, which automatically withdraw the money from your bank account, credit cards keep a running balance like your water or electric bill. Once your credit card application is approved, the credit card company assigns you a credit limit.
If your credit limit is $10,000, you can spend up to $10,000 before your transactions will be declined. You can make daily balance payments, but each month you will receive a monthly statement that tells you how much you owe on the statement closing date. Your credit score can be improved by paying your payments every month on or before the due date.
Your credit card company reports your payment history to the credit bureaus every month. Making payments on time improves your credit score, while missed or late payments will damage it. You can access your credit score for free and use the score simulator to see how each credit event will affect your score. Some credit cards charge an annual fee. Credit cards that charge annual fees tend to offer better rewards or card benefits, but there are plenty of no annual fee credit cards that let you build your credit score for free!
Read More About Credit Card Basics
What is a Credit Score?
Credit cards are issued by banks and have a maximum limit for what the cardholder can borrow. This amount is called a “credit limit.” Credit limits are determined by several factors, which make up a credit score. The most common factors are your income, your debts, and how much money you are currently borrowing.
There are several websites that will offer you a free score and recommend credit cards that they think you have high odds of being approved for. These sites may receive some monetary compensation if you apply for a card or loan through their website.
Although you can apply for a credit card through their website, don’t feel obligated to apply just because they give you a free credit score. Most of the sites also let you take a peek at your credit report for free once a year in addition to getting a free credit score. They give you information like the top reasons why your score is good and what you can do to improve it. These free credit score websites also come with a calculator, which allows you to predict how credit events like applying for a new credit account or making on-time payments for six straight months or how it will impact your score.
Read More About Credit Scores
Are Free Credit Score Sites Reliable Or a Waste of Time?
Does It Help Your Credit Score By Getting A Credit Card?
How to Check Your Business Credit Score
Does Applying For A Credit Card Hurt Your Credit Score?
Best Places to Get Free Credit Score Checks Without Affecting Your Credit
What Are Some of The Easiest Credit Cards to Get Approved For?
3 Tips to Prevent Credit Card Closures
What Are the Different Types of Credit Cards?
Credit cards have evolved to fit a wider variety of needs in conjunction with an ever-changing market. Consumers have changed and will likely continue to influence further financial innovation. To help meet the challenges that consumers face, credit card issuers have created new categories and subcategories that target specific demographics.
Are you a student? There are credit cards for you. Are you loyal to a certain hotel or airline? Earn perks for your purchases. Do you have a small business? Take advantage of the ability to keep your personal and business expenses apart.
However, all of these cards fall under three main categories: student, personal, and business.
Student Credit Cards
Student credit cards are for those with little to no credit history to help them build credit. However, many of these cards do have a higher interest rate. Often lenders are willing to give students special offers due to their spending potential as they transition into their careers.
Personal Credit Cards
Personal credit cards are the umbrella that most credit cards fall under. These consumer cards vary by lender, credit standing, and personal credit history. Their benefits, spending limits, and ease of use are dependent on the individual card and the potential cardholder. Personal credit cards easily make up the largest portion of the credit market.
Business Credit Cards
Business credit cards usually come with higher spending limits, mainly because of the specific purchases that come with business expenses. Some business credit cards come with the ability to add employees to the account at no extra fee. Additionally, business credit cards are a must if you want to make tax season a breeze.
With that in mind, here are the most popular different types of credit cards on the market. Note that most of them fall under the personal credit card category.
- Balance Transfer Credit Card
- Low interest/APR Credit Card
- Travel Credit Card
- Cashback Credit Card
- No Annual Fee Credit Card
- Business Credit Card
- Student Credit Card
Travel Rewards Credit Cards
The best credit cards for travel rewards allow you to rack up rewards points for certain purchases. The three most common types of points are airline miles, hotel points, and bank points.
Airline miles are usually tied to an airline loyalty program. Some examples are Delta SkyMiles or United MileagePlus miles. These points can be used for flights on the parent airline’s flights or on its partners.
Like airline miles, hotel points are restricted to one hotel chain. Some examples are Starwood Preferred Guest and World of Hyatt which has a new hotel credit card. You can use hotel points for hotel stays or even transfer them to airline partners in some cases.
Bank points can be used for everything from cash back to paid travel. They can also be transferred to the airlines of your choice. Bank points are popular because they offer flexibility that airline miles and hotel points don’t.
Read More About Travel Reward Credit Cards
- Best Credit Cards For Travel Miles
- Beginner’s Guide to Points and Miles
- Don’t Apply for Any New Travel Credit Cards If You Don’t Know Your Credit Score
- 7 Myths About Travel Reward Credit Cards and Your Credit Score
- Best Travel Rewards Credit Cards 2020
- Which Credit Cards Have Roadside Assistance?
- Credit Score Needed for the Best Travel Rewards Credit Cards
- 6 Travel Credit Cards with Good Bonuses
- How To Avoid Baggage Fees By Using Credit Cards
- Credit Cards That Offer Trip Delay Insurance
- Best Credit Cards For International Travel
Popular Travel Reward Credit Cards
Learn more about Chase Sapphire credit cards:
- Chase Sapphire Preferred Credit Score – What You Need To Know
- Chase Sapphire Reserve Credit Score Requirements
- Guide to Chase Sapphire Reserve & Preferred Application Rules
- Chase Sapphire Reserve vs Chase Sapphire Preferred
- Chase Sapphire Reserve Benefits
- Applying for the Chase Sapphire Reserve
- Earn 60K Ultimate Rewards With Chase Sapphire Banking
- Chase Sapphire Reserve Review: Worth the $550 Annual Fee?
- Do Chase Ultimate Rewards Points Expire?
- Chase Sapphire Preferred vs Capital One Venture
- The Best Chase Credit Cards
- Platinum Card from American Express
Learn more about the Platinum Card from American Express:
- What is the Credit Score Needed for the American Express Platinum?
- How Hard Is It To Get the American Express Platinum Card?
- American Express Credit Cards for Travel Rewards
- Unlocking American Express Travel Rewards
Learn more about the Capital One Venture cards:
- Capital One Venture: Credit Score Needed for Approval?
- How To Redeem Capital One Venture Miles For Maximum Value
- Capital One Venture vs VentureOne Credit Cards
- Capital One Venture
Learn more about the IGH Premier Card:
Other Credit Card Reviews:
Airline Rewards Credit Cards
Unlike rewards credit cards, airline miles are usually tied to an airline loyalty program. If you are a frequent flyer, you could use the perks for up in the air. If you are a frequent flyer who is loyal to a specific airline and find the airline easily accessible, take advantage of the airline benefits that come with the airline miles credit card.
Some of the benefits that come with airline credit cards include discounts on in-flight purchases, free checked bags, and opportunities to earn miles on select purchases. Additionally, seat upgrades, airport lounge access, and even free flights are also a possibility, depending on the card.
However, know that airline credit cards tend to have higher annual fees. Some users report that the benefits aren’t enough to offset the costs of having a specific airline credit card. Be realistic about how often you fly and whether or not the flights will be accessible to you.
Read More About Airline Rewards Credit Cards
- The Best Credit Cards for Purchasing Flight Tickets
- Airlines that Offer Mileage Pooling
- What is the Best United Airlines Credit Card?
- The Best Credit Cards to Use for Delta Airlines Purchases
- How to Get TSA PreCheck & Global Entry Access for Free
Popular Airline Rewards Credit Cards
- Barclays Frontier Airlines Credit Card
- Delta Airlines Credit Cards
- Best American Airlines Credit Cards
- Best Southwest Airlines Credit Cards
- Avianca Lifemiles Credit Cards
- Best United Airlines Credit Cards
Business Credit Cards
If you own a business, consider using a business credit card for many reasons, including better financial management. Keeping your business expenses on your business card will make your life easier when you are doing your taxes. You’ll have detailed records of your spending, making it easier to claim deductions and verify questions should you get audited.
If your employees also have a card, you can see who spent what and where.
There are also higher spending limits to take advantage of with a business credit card. Perks include additional cards for employees, better welcome bonus offers, purchase protections, and rewards for spending on business expenses such as advertising, office supplies, and telephone and internet services.
Additionally, a business credit card can help you build your business credit score, which is different from your personal credit score (even if you’re self-employed). Just like with a personal credit score, having a good business credit score will help you expand your credit limit and utilize the perks that issuers are offering.
Read More About Business Credit Cards
- Applying for a Business Credit Card? Here’s What You Need to Know
- 5 No Annual Fee Business Credit Cards
- Chase 5/24 Rule and Business Credit Cards
- The Best Non 5/24 Rule Chase Credit Cards
- Best Amex Business Credit Cards
- Best Chase Business Credit Cards
Popular Business Credit Cards
- Chase Ink Business Unlimited
- Chase Ink Business Preferred
- Chase Ink Cash
- Capital One Spark Cards
- American Express Platinum Business
- American Express Gold Business
Learn more about the Chase Ink Business cards:
- Comparison: Chase Ink Unlimited vs Chase Ink Cash
- Chase Ink Preferred vs. Chase Ink Cash
- What is the Best Chase Business Credit Card?
Hotel Rewards Credit Cards
Hotel rewards credit cards often come with perks like free nights, awards, room upgrades, and free breakfast. Similar to airline credit cards, many hotel credit cards are co-branded, meaning that they are named after the hotel. If you are loyal to a particular brand of hotels, a hotel rewards credit card can help you maximize all that the hotel offers.
Other perks usually include late check-out/early check-in options, access to their exclusive clubs, and guaranteed rooms. On a personal level, hotel rewards credit cards sometimes come with automobile and baggage insurance. Be sure to double-check what you have or want to be approved for.
Don’t forget to sign up for their hotel rewards program, especially if you travel to this particular hotel chain often. If you tend to book your hotels based on price and therefore vary your options, consider a more general card to earn the most.
Read More About Hotel Rewards Credit Cards
Popular Hotel Rewards Credit Cards
Learn more about Hilton Honors credit cards:
- Perks of Hilton Honors Points
- What Is the Best Hilton Honors Credit Card?
- Should You Get the Hilton Honors Ascend or the Hilton Honors Aspire Card?
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
- 0.1 Best Credit Card Reviews 2020: Travel Rewards Cards
- 0.2 Credit Card Reviews 2020: Airline Credit Cards
- 0.3 Credit Card Reviews: Hotel Credit Cards
- 0.4 Credit Card Reviews 2020: Cash Back Credit Cards
- 0.5 Credit Card Reviews: Cards To Build Credit
- 0.6 Credit Card Reviews 2020: Business Credit Cards
- 0.7 Summary of Credit Card Reviews
- 1 Credit Cards: Definition and Information to Get Started