FinanceBuzz's

Best Credit Cards of 2018


Advertising Policy

Best Travel Cards

Chase Sapphire Preferred®

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.

Bonus Offer

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

Credit Needed

Good, Excellent


Barclays Arrival® Premier World Elite Mastercard®

Apply Now
on Barclaycard's secure website

Why We Like It

The Barclays Arrival® Premier World Elite Mastercard® is the latest rewards card offering from Barclays, offering a high flat rewards rate and more redemption options than ever before.

Not only do cardmembers have the opportunity to earn 25,000 loyalty bonus miles each year after spending $25,000 on purchases, they also earn unlimited 2x miles on every purchase.

Premium benefits include (1) Global Entry application fee credit every five years and Mastercard Airport Experiences provided by LoungeKey, which gives you pay-as-you-go access to over 850 lounges worldwide.

We also like it for international travel due to its built-in travel protections, chip and PIN capability, and no foreign transaction fees.

This is a selective card. You need Excellent (approx. 750 or higher) credit before applying for this card.

• Each year, earn 25,000 loyalty bonus miles after spending $25,000 on purchases.

• Earn unlimited 2X miles on every purchase.

• Global Entry - Expedite your Re-entry with a $100 automatic statement credit for the cost of one Global Entry application fee every five years. 

• Mastercard® Airport Experience provided by LoungeKey enhances your travel experience with access to over 800 lounges worldwide. Fees apply.

• No foreign transaction fees on purchases made while traveling abroad. 

• International Chip and PIN provides maximum global acceptance with chip and PIN capability for use at self-service chip terminals around the world. 

• Redeem your miles for travel or cash back statement credits, gift cards and merchandise. Redeeming miles for travel statement credits offers the best value.

• Miles don't expire as long as your account is open, active and in good standing.

Bonus Offer

Cardmembers earn up to 25,000 loyalty bonus miles each year when they 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, cardmembers earn a total of 75,000 miles when they spend $25,000 on purchases each year – the equivalent of a $750 travel statement credit towards a qualifying travel purchase. 

Credit Needed

Excellent

Card Details


Capital One® Venture® Rewards

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!

Bonus Offer

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

Credit Needed

Good, Excellent


Chase Sapphire Reserve℠

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).

Bonus Offer

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

Credit Needed

Excellent


Platinum Card® from American Express

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.

Bonus Offer

Limited Time: Earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months

Credit Needed

Good, Excellent


Starwood Preferred Guest® Card from American Express

Why We Like It

The Starwood Preferred Guest Card From American Express (a.k.a. ‘SPG’) offers Starwood points which are known to be some of the most flexible rewards available. These can be redeemed for hotel stays, airfare, and a mix of cash and points. There are several ways to maximize the value this card offers.

Bonus Offer

Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months

Credit Needed

Good, Excellent


Hilton Honors Ascend Card from American Express

Why We Like It

The Hilton Honors Ascend Card from American Express is a good option for travelers who tend to frequent or favor Hilton properties. While rewards may not be as flexible as other cards with transferable points, the lucrative signup bonus and generous benefits/status certainly make this a strong contender for travelers who enjoy booking hotel stays with Hilton.

Bonus Offer

Earn 75,000 points when you spend $2,000 within the first 3 months. $95 annual fee. In addition to the 75,000 bonus points, you could also earn an extra 25,000 points when you spend an additional $1,000 on the card in the first 6 months. Also, earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.

Credit Needed

Good, Excellent


Best Balance Transfer Cards

Chase Slate® Card

Why We Like It

The Chase Slate is one of the top cards we recommend for balance transfers. With a low introductory 0% fee for balances transferred during the first 60 days of account opening, cardholders also enjoy 0% introductory APR for 15 months – a powerful stepping stone towards achieving financial freedom.

Bonus Offer

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

Credit Needed

Good, Excellent


Barclaycard Ring™ Mastercard®

Apply Now
on Barclaycard's secure website

Why We Like It

The Barclaycard Ring™ Mastercard® is one of our top-rated balance transfer credit cards.

Balance transfer fees are 0%, even after the introductory period! Other cards usually have a 3% transfer fee so if you move $5,000 of debt from another card, you'd have to pay a $150 fee immediately. Not with the Barclaycard Ring™ Mastercard®.

Plus it has one of the lowest ongoing APRs in the industry. After the 15 month promotional period ends, a variable APR of 13.99% applies for purchases, balance transfers, and cash advances. Other balance transfer cards generally offer ongoing APRs in the 16%-26% range.

This is one of the few balance transfer cards that has no foreign transaction fees.

Bonus Offer

0% Introductory APR for the first 15 months on purchases. After that, a variable APR will apply, 13.99%

0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

Credit Needed

Excellent

Card Details


Blue Cash Everyday® Card from American Express

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.

Bonus Offer

$100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months

Credit Needed

Good, Excellent


Wells Fargo Platinum Visa® Card

Why We Like It

The Wells Fargo Platinum Visa® Card is a straightforward credit card with a long 18 month 0% introductory period.

Bonus Offer

Limited Time: 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply

Credit Needed

Good, Excellent


Chase Freedom Unlimited℠

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. 

Bonus 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

Credit Needed

Good, Excellent


Chase Freedom® Card

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. 

Bonus Offer

Through December 31, 2017, earn 5% Cash Back at Walmart and department stores.

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

Credit Needed

Good, Excellent


Best Low Interest Cards

Chase Slate® Card

Why We Like It

The Chase Slate is one of the top cards we recommend for balance transfers. With a low introductory 0% fee for balances transferred during the first 60 days of account opening, cardholders also enjoy 0% introductory APR for 15 months – a powerful stepping stone towards achieving financial freedom.

Bonus Offer

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

Credit Needed

Good, Excellent


Capital One® Venture® Rewards

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!

Bonus Offer

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

Credit Needed

Good, Excellent


Barclaycard Ring™ Mastercard®

Apply Now
on Barclaycard's secure website

Why We Like It

The Barclaycard Ring™ Mastercard® is one of our top-rated balance transfer credit cards.

Balance transfer fees are 0%, even after the introductory period! Other cards usually have a 3% transfer fee so if you move $5,000 of debt from another card, you'd have to pay a $150 fee immediately. Not with the Barclaycard Ring™ Mastercard®.

Plus it has one of the lowest ongoing APRs in the industry. After the 15 month promotional period ends, a variable APR of 13.99% applies for purchases, balance transfers, and cash advances. Other balance transfer cards generally offer ongoing APRs in the 16%-26% range.

This is one of the few balance transfer cards that has no foreign transaction fees.

Bonus Offer

0% Introductory APR for the first 15 months on purchases. After that, a variable APR will apply, 13.99%

0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

Credit Needed

Excellent

Card Details


Capital One® Quicksilver® Cash Rewards

Why We Like It

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

You'll pay 0% APR for the first 9 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. 

Bonus Offer

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

Get an introductory APR rate of 0% for 9 months for BOTH purchases and balance transfers from the date of account opening

Credit Needed

Good, Excellent


Best Cash Back Cards

Chase Freedom Unlimited℠

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. 

Bonus 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

Credit Needed

Good, Excellent


Capital One® Venture® Rewards

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!

Bonus Offer

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

Credit Needed

Good, Excellent


Blue Cash Everyday® Card from American Express

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.

Bonus Offer

$100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months

Credit Needed

Good, Excellent


Chase Freedom® Card

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. 

Bonus Offer

Through December 31, 2017, earn 5% Cash Back at Walmart and department stores.

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

Credit Needed

Good, Excellent


Blue Cash Preferred® Card from American Express

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.

Bonus Offer

$250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months

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℠

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.

Bonus Offer

80,000 points ($1000 value) after making $5,000 in purchases within first 3 months of account opening

Credit Needed

Excellent


Chase Ink Business Cash℠

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.

Bonus Offer

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

Credit Needed

Excellent


Business Platinum® Card from American Express OPEN

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 signup bonus offer.

Bonus Offer

Limited Time: Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership

Credit Needed

Good, Excellent


Business Gold Rewards Card from American Express OPEN

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.

Bonus Offer

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

Credit Needed

Good, Excellent