FinanceBuzz's

Best Credit Cards of 2018


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Best Travel Cards

Chase Sapphire Preferred

Special Offer

50,000 points ($625 value) after making $4,000 in purchases in the first 3 months of account opening

Why We Like It

The Chase Sapphire Preferred (a.k.a ‘CSP’) is one of the top cards we recommend whether you’re just starting out or already have a good grasp on award travel. It offers a generous signup bonus and Chase Ultimate Reward (UR) points are some of the most flexible in the industry.

Credit Needed

Good, Excellent


Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now
on Barclaycard's secure website

Special Offer

Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee.

Why We Like It

The Barclaycard Arrival Plus® World Elite MasterCard® is a generous rewards card offering high flat-rate rewards and flexible redemption options.

· Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee 

· Earn unlimited 2X miles on every purchase

· Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits

· Get 5% miles back to use toward your next redemption, every time you redeem

· No foreign transaction fees 

· International Chip and PIN for use at self-service chip terminals around the world

· Miles don’t expire as long as your account is open, active and in good standing

Credit Needed

Good, Excellent

Card Details


Chase Sapphire Reserve

Special Offer

50,000 points ($750 value) after making $4,000 in purchases within the first 3 months of account opening

Why We Like It

Similar to the Sapphire Preferred, the Chase Sapphire Reserve (a.k.a. ‘ CSR’) offers a nice signup bonus of UR points which can be transferred to 13 valuable rewards partners. The additional perks and benefits are incredible for avid travelers but will set you back with a $450 annual fee (thankfully, cardholders receive a $300 annual travel credit, which helps offset the annual fee in a big way).

Credit Needed

Excellent


Southwest Rapid Rewards Priority Credit Card

Special Offer

Earn up to 65,000 bonus points! Get 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open. Earn an additional 25,000 points after spending $15,000 total on purchases within the first year of membership.

Why We Like It

The Southwest Rapid Rewards Priority Credit Card is a highly-rated card for Southwest flyers who want to redeem Rapid Rewards for Southwest award flights.

Earn 2 points for every $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases, and 1 point for every $1 spent on all other purchases.

Enjoy $75 Southwest travel credit every year, 4 upgraded boardings per year (based on availability), plus 20% back on in-flight drinks, Wifi, movies, and messaging.

Cardmembers receive 7,500 bonus points after each account anniversary and never have to worry about points expiring, as long as the card account remains open and in good standing.

Credit Needed

Excellent


Capital One® Venture® Rewards

Special Offer

50,000 miles after making $3,000 in purchases in the first 3 months of account opening

Why We Like It

The Capital One Venture Rewards Credit Card is one of the most flexible cards when it comes to redeeming miles. Plus, with a brand new partnership with Hotels.com, you will earn up to 10x miles per dollar spent when booking through the Venture portal. That's an incredible deal!

Credit Needed

Good, Excellent


Platinum Card® from American Express

Special Offer

Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months. Terms apply.

Why We Like It

The Platinum Card® from American Express has a long been a premium rewards charge card with generous travel benefits and luxury add-ons. $550 annual fee.

Credit Needed

Good, Excellent


Barclays Arrival® Premier World Elite Mastercard®

Apply Now
on Barclaycard's secure website

Special Offer

Earn up to 25,000 loyalty bonus miles each year when you spend $15,000 on purchases for 15,000 miles, and an additional $10,000 on purchases for 10,000 miles. Plus, with unlimited 2x miles on every purchase, you can earn a total of 75,000 miles when you spend $25,000 on purchases each year.

Why We Like It

The Barclays Arrival® Premier World Elite Mastercard® offers a high flat rewards rate and more redemption options than ever before.

• 75,000 MILES EACH YEAR if you spend $25,000 on purchases

• After that, keep earning UNLIMITED 2X MILES on every purchase

• Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years

• Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits

• Access to over 800 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply

• No foreign transaction fees

• International Chip and PIN for use at self-service chip terminals around the world

Credit Needed

Good, Excellent

Card Details


Southwest Rapid Rewards Premier Credit Card

Special Offer

Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.

Why We Like It

The Southwest Rapid Rewards Premier Credit Card is a must-have card for frequent Southwest flyers who want to redeem Rapid Rewards for Southwest award flights.

Earn 2 points for every $1 you spend on Southwest purchases and Rapid Rewards hotel and car rental partner purchases, and 1 point for every $1 you spend on all other purchases.

Get your first and second checked bags free, no change fees, and no blackout dates or seat restrictions when you redeem with points.

Cardmembers receive 6,000 bonus points after each account anniversary and never have to worry about points expiring, as long as the card account remains open and in good standing.

Credit Needed

Excellent


Marriott Rewards Premier Plus Credit Card

Special Offer

Earn 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

Why We Like It

The Marriott Rewards Premier Plus Credit Card is a top-rated hotel rewards card. 

Offering fantastic benefits, such as automatic Silver Elite Status, Cardmembers also enjoy a Free Night Award every year after your account anniversary (valued up to 35,000 points). 

Earn 6x points for every $1 spent at over 6,500 participating Marriott Rewards and SPG hotels, and earn 2x points per $1 spent on all other purchases.


Credit Needed

Good, Excellent


Southwest Rapid Rewards Plus Credit Card

Special Offer

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

Why We Like It

The Southwest Rapid Rewards Plus Credit Card is a must-have card for frequent Southwest flyers who want to redeem Rapid Rewards for Southwest award flights.

Earn 2 points for every $1 you spend on Southwest purchases and Rapid Rewards hotel and car rental partner purchases, and 1 point for every $1 you spend on all other purchases.

Get your first and second checked bags free, no change fees, and no blackout dates or seat restrictions when you redeem with points.

Cardmembers receive 3,000 bonus points after each account anniversary and never have to worry about points expiring, as long as the card account remains open and in good standing.

Credit Needed

Good, Excellent


Gold Delta SkyMiles® Credit Card from American Express

Special Offer

Limited-Time Offer: Earn 60,000 Bonus Miles when you spend $3,000 on purchases in first 4 months of account opening. Terms apply. Offers ends 9/19/2018. 

Why We Like It

The Gold Delta SkyMiles® Credit Card from American Express is a solid travel rewards card if you fly Delta airlines.

Earn 2 miles for every dollar spent on eligible purchases made directly with Delta, and 1 mile for every eligible dollar spent on all other purchases.

Check your first bag free on Delta flights - that's up to a savings of $200 per round trip for a family of four – and settle into your seat sooner with priority boarding. $0 annual fee for the first year, then $95.


Credit Needed

Good, Excellent


IHG Rewards Club Premier Credit Card

Special Offer

Earn 100,000 bonus points after spending $3,000 in the first 3 months from account opening.

Why We Like It

The IHG Rewards Club Premier Credit Card from Chase features a generous rewards rate on IHG purchases as well as additional benefits such as free nights at eligible IHG hotels.

Earn 10 points per $1 spent when you stay at any of their 5,200+ hotels worldwide, 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants, and 1 point per $1 spent on all other purchases. 

Cardmembers receive automatic Platinum Elite Status, enjoy a Free Night after each account anniversary at eligible hotels worldwide, receive a fourth reward night free when redeeming points for any stay of 4 or more nights, and receive up to $100 fee credit for Global Entry or TSA Pre✓® every four years when the application fee is charged to your card.

Credit Needed

Good, Excellent


Premier Rewards Gold Card from American Express

Special Offer

Earn 25,000 Membership Rewards® Points after you make $2,000 in purchases within the first 3 months. Terms apply.

Why We Like It

The Premier Rewards Gold Card from American Express is a top-rated premium rewards card with generous travel benefits and a slew of luxury add-ons.

Earn 3X points for flights booked directly with airlines, 2X points at US restaurants, US gas stations, and US supermarkets, and 1X point on other purchases.

Also enjoy up to $100 airline fee credit each calendar year to the qualifying airline of your choice, when incidental fees, such as baggage fees and other incidentals are charged by the airline to your card account. $0 annual fee for the first year, then $195.

Credit Needed

Good, Excellent


The World of Hyatt Credit Card

Special Offer

Earn 40,000 Bonus Points after you spend $3,000 in the first 3 months, plus an additional 20,000 Bonus Points after you spend a total of $6,000 in the first 6 months.

Why We Like It

The World of Hyatt Credit Card from Chase gives a hefty welcome offer good enough for up to 12 free nights at Category 1 hotels. Plus get 1 free night every year after your cardmember anniversary.

Credit Needed

Good, Excellent


Hilton Honors Card from American Express

Special Offer

Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Terms apply.

Why We Like It

The Hilton Honors Card from American Express is an advantageous travel card with ongoing rewards, no annual fee, and no foreign transaction fees. Cardmembers get complimentary Hilton Honors Silver status and can upgrade to Gold status after spending $20,000 in a calendar year.

Credit Needed

Good, Excellent


Hilton Honors Ascend Card from American Express

Special Offer

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 within the first 3 months of Card Membership. Terms apply.

Why We Like It

The Hilton Honors Ascend Card from American Express is a good option for travelers who enjoy booking hotel stays with Hilton. With a generous welcome offer, benefits and complimentary Hilton Honors Gold status, it's a strong contender for a hotel rewards card. 

Also enjoy up to 10 Priority Pass visits and earn a weekend night reward at a Hilton property after spending $15,000 in a calendar year. $95 annual fee.

Credit Needed

Good, Excellent


Best Balance Transfer Cards

Blue Cash Everyday® Card from American Express

Special Offer

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms apply.

Why We Like It

The Blue Cash Everyday Card from American Express is a top notch cash back card with no annual fee. With up to 3% cash back at U.S. supermarkets on up to $6,000 a year, it’s great for families spending on groceries. Plus earn a generous 2% cash back at U.S. gas stations.

Credit Needed

Good, Excellent


Chase Freedom Unlimited

Special Offer

Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening

$150 Cash Back Bonus if you spend $500 within first three months of opening an account

Why We Like It

The Chase Freedom Unlimited is a top cash back credit card offering unlimited 1.5% cash back on every purchase with no annual fee. Coupled with a 0% introductory APR for 15 months and built-in consumer protection, it’s a good way to earn rewards for the conscious consumer. 

Credit Needed

Good, Excellent


Chase Freedom Card

Special Offer

Through September 30, 2018, earn 5% cash back at gas stations, Lyft, and Walgreens.

Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening

$150 Cash Back Bonus if you spend $500 within first 3 months of account opening

Why We Like It

The Chase Freedom offers a generous signup bonus and some of the highest cash back rates in the available today. Combined with a 0% introductory APR for 15 months and built-in consumer protection, it’s a good option to consider for conscious consumers. 

Credit Needed

Good, Excellent


Best Low Interest Cards

Capital One® Venture® Rewards

Special Offer

50,000 miles after making $3,000 in purchases in the first 3 months of account opening

Why We Like It

The Capital One Venture Rewards Credit Card is one of the most flexible cards when it comes to redeeming miles. Plus, with a brand new partnership with Hotels.com, you will earn up to 10x miles per dollar spent when booking through the Venture portal. That's an incredible deal!

Credit Needed

Good, Excellent


Capital One® Quicksilver® Card

Special Offer

Earn a $150 one-time cash back bonus when you make $500 in purchases within the first 3 months of account opening

Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening

Why We Like It

The Capital One® Quicksilver® Card is a smart, no-frills rewards card that has no annual fee.

You'll pay 0% APR for the first 15 months on any balance transfers and purchases.

Plus, earn a one-time $150 cash back bonus when you spend $500 on purchases made within the first 3 months of account opening!

Redeem cash back at any time, in any amount, unlike some cards that have restrictions. Cash back rewards that never expire and are simple to redeem. 

Credit Needed

Good, Excellent


Best Cash Back Cards

Chase Freedom Unlimited

Special Offer

Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening

$150 Cash Back Bonus if you spend $500 within first three months of opening an account

Why We Like It

The Chase Freedom Unlimited is a top cash back credit card offering unlimited 1.5% cash back on every purchase with no annual fee. Coupled with a 0% introductory APR for 15 months and built-in consumer protection, it’s a good way to earn rewards for the conscious consumer. 

Credit Needed

Good, Excellent


Capital One® Venture® Rewards

Special Offer

50,000 miles after making $3,000 in purchases in the first 3 months of account opening

Why We Like It

The Capital One Venture Rewards Credit Card is one of the most flexible cards when it comes to redeeming miles. Plus, with a brand new partnership with Hotels.com, you will earn up to 10x miles per dollar spent when booking through the Venture portal. That's an incredible deal!

Credit Needed

Good, Excellent


Blue Cash Everyday® Card from American Express

Special Offer

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms apply.

Why We Like It

The Blue Cash Everyday Card from American Express is a top notch cash back card with no annual fee. With up to 3% cash back at U.S. supermarkets on up to $6,000 a year, it’s great for families spending on groceries. Plus earn a generous 2% cash back at U.S. gas stations.

Credit Needed

Good, Excellent


Chase Freedom Card

Special Offer

Through September 30, 2018, earn 5% cash back at gas stations, Lyft, and Walgreens.

Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening

$150 Cash Back Bonus if you spend $500 within first 3 months of account opening

Why We Like It

The Chase Freedom offers a generous signup bonus and some of the highest cash back rates in the available today. Combined with a 0% introductory APR for 15 months and built-in consumer protection, it’s a good option to consider for conscious consumers. 

Credit Needed

Good, Excellent


Blue Cash Preferred® Card from American Express

Special Offer

$200 statement credit after you spend $1,000 on purchases on your new Card within the first 3 months. Terms apply.

Why We Like It

The Blue Cash Preferred Card from American Express is one of our favorite cash back cards, especially for families. With up to 6% cash back at U.S. supermarkets on up to $6,000 a year it’s incredible for grocery spending, plus get 3% cash back at U.S. gas stations. $95 annual fee.

Credit Needed

Good, Excellent


Best Building Credit Cards

Capital One® Platinum Credit Card

Why We Like It

With no annual fees or foreign transaction fees, the Capital One® Platinum Credit Card is a convenient card to rebuild credit and offers to increase your credit line after making your first 5 monthly payments on time.

Credit Needed

Poor, Bad, Fair


Capital One® Secured Mastercard®

Why We Like It

The Capital One® Secured Mastercard®  has no annual fee, allowing cardholders to focus on building credit with responsible use.

Credit Needed

Poor, Bad


Best Business Cards

Chase Ink Business Preferred

Special Offer

Earn 80,000 points ($1,000 value) after making $5,000 in purchases within first 3 months of account opening.

Why We Like It

The Chase Ink Business Preferred is another fantastic rewards card in the Chase portfolio. Offering generous UR points (which are transferable to 13 partners), many seasoned award travelers have this card as a staple in their wallet. While the minimum spend requirement is slightly higher than other cards, the value of the points are generally considered worth it.

Credit Needed

Excellent


Chase Ink Business Cash

Special Offer

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Why We Like It

The Ink Business Cash is a top cash back credit card that offers solid ongoing rewards and flexibility, making it a popular go-to option for cardholders. In addition to a generous signup bonus, strong rewards, and no annual fee, cardholders also enjoy 0% introductory APR for 12 months on both purchases and balance transfers.

Credit Needed

Excellent


Chase Ink Business Unlimited

Special Offer

$500 bonus cash back after spending $3,000 on purchases in the first 3 months after account opening.

Why We Like It

Get 1.5% unlimited cash back with the Chase Ink Business Unlimited on every purchase for your business. In addition to a generous bonus offer, unlimited flatrate rewards, and no annual fee, cardholders also enjoy 0% introductory APR for 12 months on both purchases and balance transfers.

Credit Needed

Good, Excellent


Southwest Rapid Rewards Premier Business Credit Card

Special Offer

Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

Why We Like It

The Southwest Rapid Rewards Premier Business Credit Card is a top-rated business credit card with generous benefits for Southwest travelers.

Earn 2 points for every $1 you spend on Southwest Airlines purchases and 1 point for every $1 you spend on all other purchases.

Get your first and second checked bags free, no change fees, and no blackout dates or seat restrictions when you redeem with points.

Cardmembers receive 6,000 bonus points after each account anniversary and never have to worry about points expiring, as long as the card account remains open and in good standing.

Credit Needed

Good, Excellent


The Business Platinum® Card from American Express OPEN

Special Offer

Limited-Time Offer: Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. That's up to 100,000 points! Offer ends 8/8/18.

Why We Like It

The Business Platinum Card® from American Express OPEN has long been a premium rewards charge card due to its generous travel benefits and welcome offer. $450 annual fee.

Credit Needed

Good, Excellent


Business Gold Rewards Card from American Express OPEN

Special Offer

Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.

Why We Like It

The Business Gold Rewards Card from American Express OPEN is a great choice for those who want the flexibility to choose which categories they'll earn the maximum points per dollar. $0 annual fee for the first year, then $175.

Credit Needed

Good, Excellent


Platinum Delta SkyMiles® Business Credit Card from American Express

Special Offer

Limited-Time Offer: Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 on purchases on your new Card in the first 3 months from account opening. PLUS, earn 2 miles per dollar on all purchases made directly with Delta. Terms apply. Special offer ends 9/19/18. 

Why We Like It

The Platinum Delta SkyMiles® Business Credit Card from American Express is a premier travel rewards card made for those who fly Delta airlines.

We like it for Its generous welcome offer, travel benefits such as priority boarding, and the complimentary companion certificate offered to cardholders each year upon renewal of the card. $195 annual fee.

Credit Needed

Good, Excellent


Gold Delta SkyMiles® Business Credit Card from American Express

Special Offer

Earn 30,000 miles after you spend $1,000 in purchases on your new Card within the first 3 months, and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Terms apply.

Why We Like It

The Gold Delta SkyMiles® Business Credit Card from American Express is a solid travel rewards card if you fly Delta airlines.

Its generous welcome offer and travel benefits such as the 20% in-flight savings credit, are among the reasons why we like it. $0 annual fee for the first year, then $95.

Credit Needed

Good, Excellent


The Blue Business Plus Credit Card from American Express

Special Offer

Earn 2X Points on everyday business purchases, like office supplies and meals with clients. 2X applies to the first $50,000 in purchases per year; then earn 1 Point per dollar thereafter. Terms apply.

Why We Like It

The Blue Business Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases. If you're looking for a no annual fee business credit card to support day to day purchases and expenses, this top-rated card is an excellent choice. 

Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 with no category restrictions, and 1X point on purchases thereafter. You'll also have the freedom to buy above your credit limit if you need to.

Cardmembers can create employee cards, designate an account manager, connect to Quickbooks, and receive a complete year-end summary each year. 

Credit Needed

Good, Excellent


Capital One® Spark® Cash for Business

Special Offer

One-time $500 cash bonus after you spend $4,500 on purchases within the first 3 months from account opening

Why We Like It

As the name implies, the Spark® Cash for Business is a great option for earning cash back. Cardholders earn 2% unlimited cash back on every purchase, every day, and can add employee cards onto their account at no additional cost.

Credit Needed

Good, Excellent


SimplyCash® Plus Business Card from American Express

Special Offer

Special Offer: Enjoy 0% Intro APR for 15 months on purchases. Terms apply.

Why We Like It

The SimplyCash® Plus Business Card from American Express offers generous rewards with a great deal of flexibility, including the opportunity to select your own rewards category. Cardholders can also access Expense Management Tools and request employee cards at no additional cost. $0 annual fee.

Credit Needed

Good, Excellent


Hilton Honors American Express Business Card

Special Offer

Earn 100,000 Hilton Honors Bonus Points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Terms apply.

Why We Like It

The Hilton Honors American Express Business Card is a highly regarded hotel rewards credit card offering generous benefits for business travelers.

Cardmembers receive complimentary Hilton Honors Gold Status, qualifying them for an 80% bonus on all Base Points, space-available room upgrades, and more.

Also enjoy up to 10 Priority Pass visits, zero foreign transaction fees, and earn weekend night rewards based on eligible purchases. $95 annual fee.

Credit Needed

Good, Excellent