Best Credit Cards for 2018

We've vetted hundreds of credit cards to bring you the select few that we think are leaders in their categories. Check out our shortlists to find which credit card is suited to your needs.

Hands down, we think the following credit cards are among the best of the popular offers we’ve vetted. So take a moment to review our short list of the best credit cards for travel, cash back, balance transfers, and more.

Great for: Bonus cash back

Discover it® Cash Back

Apply Now!

On Discover’s Secure Website

OUR BOTTOM LINE

A clear cash-back leader with a laundry list of perks, including double cash back in the first year and other essential wallet-friendly features like no annual fee.

Read full review >

CREDIT RATING req:

Good/Excellent

  • Bad Credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
4.5 stars question mark

what we like

  • Earn up to 10%
  • Cash-back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
  • ANNUAL FEE:

    $0>

  • REGULAR APR:

    13.99% - 24.99%

    Variable
  • INTRO APR:

    Purchases:

    0%, 14 mos


    Transfers:

    0%, 14 mos

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 5/5APR
Great for: Bonus cash back

Discover it® Cash Back

Apply Now!

On Discover’s Secure Website

OUR BOTTOM LINE

A clear cash-back leader with a laundry list of perks, including double cash back in the first year and other essential wallet-friendly features like no annual fee.

Read full review >

CREDIT RATING req:

Good/Excellent

  • Bad Credit
  • Fair/Average
  • Good/Excellent
4.5 stars question mark

what we like

  • Earn up to 10%
  • Cash-back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 5/5APR

heading 2

5% bonus cash back -- Discover it® Cash Back pays 1% cash-back on regular purchases, and 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum (,500 of spending) each time you activate.

Heading 3

Double cash back in the first year -- Discover will match all the cash back earned during the first year for new cardholders. Cardholders who max out bonus categories quarterly can expect a total of cash-back in the first year. For the number crunchers out there, that’s ,500 of quarterly spending in bonus categories (,000 per year), which earns cash back at a 5% rate. Add Discover’s match on top, and you’ll receive , plus another for the match in your first year -- that works out to 10% cash back. Importantly, I excluded spending that earns at a 1% rate, but Discover matches that, too.

heading 4

0% intro APR for balance transfers -- The same length 0% intro APR applies for balance transfers, as does the go-to variable rate as well. Note, the promo period extends for 14 months since the first transfer, not from account opening, as is common for balance-transfer credit cards. Cardholders must execute the transfer by a specific date to qualify, but starting the clock from the date of the first transfer does increase the versatility of this card.

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