The Best Credit Cards of 2018

Here are Bankrate’s best credit cards of 2018:

The best credit cards available today include extraordinary prizes, vast extra offers, long 0% APR periods, and low expenses. The specialists at Bankrate have inspected more than 300 credit cards spreading over crosswise over 30+ classes to pick their most loved credit cards for 2018 from our accomplices. Beneath, you will discover complete credit card guidance and audits with the goal that you can discover and apply for the correct credit card for your circumstance.

How we picked our best credit cards of 2018

Bankrate’s group of credit card specialists considered more than 300 cards during the time spent figuring out which would acquire a spot on our rundown of best credit cards of 2018. The most vital factors in deciding our best picks were rewards, money back rates, early on 0% premium offer term lengths, balance exchange choices, the chance to assemble credit, loan costs, and possession expenses. Each card that we offer has been appraised on a size of 0-100. You can discover more data about each card by tapping on the card names to peruse our audits.

Survey criteria

What you are searching for in a credit card fluctuates relying upon your own situation. While some will search for the most rewards an incentive on their spending, others might look for enhance their credit score. That is the reason we have distinguished what each card does best. Bankrate’s scoring framework factors in a horde of various components, beneath are some more detail on only a couple:

  • Rewards – We comprehend that prizes are much of the time the inspiration driving applying for another card. All things considered, why not get money back, focuses, or miles on the cash that you’re as of now spending? Prizes can get confounding however we attempt to make it simple. Our editors consider the sort of remunerations, how they are earned, and that they are so natural to reclaim.


  • Annual expense – Some cards charge an expense. Our specialists investigate the yearly charge to survey when the cost is justified regardless of the advantages and disclose to you the amount you would need to utilize your card to cover the yearly charge.


  • APR – Annual rate is the financing cost you would pay on a credit cards extraordinary equalization. Standard APR can go from underneath 10% to more than 20%. A few cards have a higher “punishment” APR which can reach right around 30% in case you’re late in making an installment. We focus on the fine print and incorporate an investigation of APR in our Bankrate score.


  • Extras and rebates – The extra livens that numerous cards offer, for example, airplane terminal parlor get to, travel credits, and extra security highlights, increment their esteem generously. From clear credit cards to extravagance rewards cards, we have scored the additional highlights that credit cards offer as they contrast with the standard in their separate classifications.

Recap: The best credit cards

Pursue Sapphire Preferred® Card

95/100  Rewards

Wells Fargo Platinum Visa® Card

81/100  0% introduction APR

Capital One Venture Rewards Credit Card

94/100  Travel

Find it Balance Transfer

91/100  Balance exchanges

Citi Double Cash Card

94/100  Cash back

Pursue Ink Business Preferred Credit Card

92/100  Business

Find it® Student chrome

93/100  Student

Capital One Secured Mastercard

84/100  Bad credit

Capital One QuicksilverOne Cash Rewards Credit Card

81/100  Fair credit

Pursue Sapphire Preferred Card

95/100  Good credit

The Platinum Card® from American Express

95/100  Excellent credit

Bankrate’s best picks for the best credit cards of 2018

Pursue Sapphire Preferred® Card: Best rewards credit card

The Chase Sapphire Preferred card’s liberal prizes, stellar join reward and a low yearly charge are difficult to beat. It’s an incredible prizes credit card, particularly for any individual who likes to movement and eat out as the card’s 2x points on eatery and travel spending will include rapidly and more than cover the yearly charge. We especially like that you can recover focuses for gift vouchers, money back or travel through the Chase travel entry, which offers a great deal of adaptability and lifts the estimation of your focuses by 25%. Generally speaking, the Sapphire Preferred card gives cardholders a liberal join reward, adaptable recovery, and liberal prizes which is the reason it anchors a place on our “best cards of 2018” list.



  • Earn two points for each dollar on movement and eateries worldwide and one point for each dollar on every other buy.


  • Earn 50,000 in the wake of burning through $4,000 inside the initial three months of opening the record. That is $625 toward movement when recovered through the Chase Ultimate Rewards program.


  • The $95 yearly charge for this card is deferred in the principal year.


Who ought to get this card

In the event that you spend on movement and eating out and you’re searching for a low-charge rewards card that gives you extraordinary optionality then this is the card for you. Any present Chase cardholder ought to truly consider including the Chase Sapphire Preferred Card to their list and ordering focuses to recover through the Chase Ultimate Rewards program, which supports focuses an incentive by 25%.

There’s no initial charge for the primary year. From that point onward, the charge is $95 every year. It has a variable APR from 17.74 to 24.74 percent.

Wells Fargo Platinum Visa® Card: Best 0% intrigue credit card

This zero intrigue credit card has an industry-driving early on offer, which settles on it an extraordinary decision for the customer who needs to make a major buy and pay it off gradually. What’s more, in view of its liberal position on late expenses (there are none), it’s likewise a strong choice in the event that you require adaptability with installments.



  • Pay no enthusiasm on buys or equalization exchanges for year and a half. That is one of the longest intrigue free introduction period accessible.


  • This card charges no yearly expense and gives you access to your FICO® score through Wells Fargo Online®, settling on it an awesome decision for shoppers who need to plan and track their money related voyage as they pay down obligation.


  • As a special reward, in the event that you pay your month to month charge with this card, you will get up to $600 insurance on your phone (subject to $25 deductible) against secured harm or robbery.


Who ought to get this card

Anybody grappling with high-intrigue credit card obligation ought to consider the Wells Fargo Platinum Visa® Card. Its liberal 18-month starting zero percent APR offer on parity exchanges and new buys gives purchasers with high-intrigue obligation a chance to square away their bill without collecting extra charges. This card additionally gives cardholders access to a horde of money related arranging and following instruments that can enable them to make an extensive arrangement to get and avoid obligation.

After the starting time frame lapses, this card has a progressing variable APR of 17.49 to 26.99 percent.

Capital One Venture Rewards Card: Best travel credit card

The Capital One Venture Rewards Card is extraordinary compared to other travel rewards credit cards accessible today. There’s no top on the prizes you can acquire, no yearly charge in the principal year, and a liberal 50,000-mile join reward worth over $500. For successive voyagers who need to gain remunerates on each dollar they spend this card is a go-to no-bother alternative. What’s more, similar to each good travel rewards card, you’ll pay no remote exchange charge on buys made outside the U.S.



  • Earn 50,000 extra miles after you burn through $3,000 inside the initial 3 months of card proprietorship.


  • There are no remote exchange expenses with this card.


  • Earn boundless travel rewards at 2 miles for every dollar spent, and those miles never terminate.


Who ought to get this card?

The Capital One Venture Rewards Card is best suited for purchasers hoping to gain focuses and miles inside a direct rewards structure. With 2 miles for each dollar spent on all buys, this is Bankrate’s most loved level rate travel rewards card.

Find it® Balance Transfer: Best parity exchange credit card

The Discover it® Balance Transfer is a standout amongst other parity exchange cards accessible as it offers exceptionally great equalization exchange terms while keeping up a considerable measure of profitable highlights. In case you’re attempting to wear down your credit card obligation an equalization exchange card can enable you to combine your obligation and pay it down intrigue free for a basic period. The Discover it Balance Transfer card allows you year and a half of 0% APR on parity exchanges, with a 3% balance exchange charge. That charge is somewhat of a disadvantage considering that there are contending balance exchange cards accessible that have a $0 balance exchange expense for an early on period yet the Discover it Balance Transfer card truly sparkles when you consider the potential prizes esteem: 5% on pivoting money back classes (with enlistment and up to $1,500 per quarter), 1% on everything else, and after your first year find with match the majority of the money back remunerations you have earned in your first year.



  • 18-month 0% basic period for parity exchanges. (From that point forward, general variable APR of 13.99%-24.99% will apply)


  • No yearly charge.


  • Discover will coordinate all the trade back you win out your first year and there’s no restriction to what amount is coordinated.


Who ought to get this card?

Anybody hoping to solidify and pay down credit card obligation. This card gives you quite a while at 0% APR and the money back remunerations imply that you will need to keep this card in your wallet after the parity exchange period is finished.

Capital One® Savor® Cash Rewards Credit Card: Best money back credit card

The Capital One Savor Cash Rewards Credit Card offers a portion of the most noteworthy money back rates accessible, particularly for the individuals who spend vigorously on feasting and excitement. The card offers boundless 4% back on eating and excitement, 2% back at the supermarket and 1% on everything else. That is an awesome profit for your sustenance related costs and the card’s one-time money reward of $500 after you burn through $3,000 in the initial 3 months of opening the record is especially liberal.


  • One-time $500 money reward after you burn through $3,000 on buys in the initial 3 months.

Who ought to get this card?

Any individual who as of now spends intensely on feasting out and amusement will battle to discover better rewards rates somewhere else.

Capital One® Spark® Cash for Business: Best business credit cards

The Capital One® Spark® Cash for Business has a considerable measure to offer private ventures. It’s adaptability truly makes it push out the opposition, you will gain 2% money back remunerations on the majority of your spending — so there might be higher rates of return whether your business spending is moved in particular classes — thus for organizations that have shifted costs, or the individuals who need to manage extra classifications, this is an extraordinary alternative that gives you better than expected profits for everything. The reclamation is simple and the present join reward offer squeezes your profits from the get-go.



  • One-time $500 money reward after you burn through $4,500 on buys in the initial 3 months.


  • Unlimited 2% back on each buy.


  • Employee cards accompany no yearly charge and gain the equivalent cashback rates.

Who ought to get this card?

Independent ventures that need to keep things straightforward and need the genuine feelings of serenity that they’re getting good rewards rates on the entirety of their spending.

Find it® Student chrome: Best understudy credit card

The Discover it® Student chrome card is a quality understudy credit card for money back and livens. In addition, understudies can get a reward for keeping up good evaluations.



  • Earn 2 percent money back on corner stores and eatery buys on up to $1,000 in consolidated buys per quarter. On every other buy, the card pays 1 percent.


  • Maintaining a GPA of no less than 3.0 gets you an additional $20 articulation credit each school year for a most extreme of five years.


  • During the principal year, gain twofold the money back on all buys.


Who ought to get this card

The Discover it Student chrome is a fine pick for understudies with good evaluations who might want to appreciate money back and livens. It additionally fills in as a strong prologue to credit since it has no yearly charge and considers botches.

There is no punishment APR, no late expense on the main installment and no over-constrain charge. You’ll be charged a variable APR of somewhere in the range of 14.99 and 23.99 percent.

Observe, however: Discover it Student chrome isn’t broadly acknowledged abroad. So while the card accompanies no remote exchange expenses, it’s a not as much as ideal decision for concentrate abroad.

Capital One Secured Mastercard: Best credit card for terrible credit

The Capital One Secured Mastercard is one of the main anchored cards with a store prerequisite that could be lower than your point of confinement. Anchored cards, when utilized capably, are an incredible method to assemble or modify your credit and Capital One offers extraordinary compared to other arrangements accessible.



  • Depending on your credit history, get a $200 credit line for either a $49, $99 or $200 store. You can store more to get a higher utmost — up to $1,000.


  • The APR is a variable 24.99 percent, yet there are no yearly expenses, application expenses or outside exchange charges.


  • If you influence the initial five installments on time, you to can build your credit confine with no extra stores.


Who ought to get this card

This card is a good fit for anybody with almost no history who may fit the bill for one of the lower store alternatives. The card likewise accompanies a choice to pay the opening store in portions over a 80-day time span, which may help individuals on a settled wage who are trying to manufacture credit.

Not every person can fit the bill for this card. On the off chance that you have a non-released insolvency, a past due or over-the-constrain Capital One card, a card that was charged off inside the previous year or your month to month pay does not surpass your month to month lodging installments by at any rate $425, you won’t be endorsed.

Capital One QuicksilverOne Cash Rewards Credit Card: Best credit card for reasonable credit

The Capital One QuicksilverOne Cash Rewards Credit Card is an incredible alternative for purchasers hoping to gain money back while they assemble or reconstruct on their reasonable credit profile. The card offers 1.5% money back on all spending which, to be clear, isn’t the most noteworthy level money back rate, yet for those with reasonable credit, it’s extraordinary compared to other rates accessible. Even better, you might have the capacity to gain admittance to a higher credit line subsequent to making five on-time installments continuously.



  • You will procure 1.5% money back on all buys. Money back can be reclaimed as a record credit, a check, or a gift voucher.


  • Automatically gain admittance to a higher credit line after 5 back to back on-time installments.


  • This card accompanies a value assurance include, which will repay you the distinction on qualified things in the event that you discover a lower cost inside 120 days of procurement.


Who ought to get this card

Anybody searching for a card that will enable them to progress from a normal to a brilliant credit score should keep this card top-of-mind. With the majority of the advantages of being a Capital One record holder joined with a tolerable prizes rate, it is elusive a superior offer in the normal/reasonable credit run.

The Wells Fargo Propel American Express Card: Best credit card for good credit

The Wells Fargo Propel American Express Card is an extraordinary alternative for those with good credit who appreciate eating out and voyaging — including gas buys. The high-rate money back classifications are comprehensively characterized and the card offers an incredible join reward, include the way this is a no yearly expense card, and the outcome is a standout amongst other arrangements accessible today.



  • 30,000 extra focuses subsequent to burning through $3,000 in the initial three months.


  • There’s no yearly charge.


  • 3x brings up eating out and requesting in, corner stores, rideshares and travel, flights, inns, homestays, and auto rentals.


Who ought to get this card?

Any individual who needs high money back rates without paying a yearly charge. On the off chance that you spend vigorously on eating and travel, and you’re searching for clear rewards and reclamation, this card merits some thought.


Scratch highlights of the best credit cards

All credit cards have a couple of standard traits. The most remarkable ones are:

  • APR. This stands for the yearly rate and is the measure of intrigue a guarantor charges you in the event that you convey a parity. In the event that a card has an APR of 17% and you have a $10,000 balance that you don’t contact for a year, you’ll owe an extra $1,700 over the first sum.


  • Annual expense. This is the sum charged to simply claim the card. Commonly, the higher the yearly charge, the more additional items a card offers consequently. A few cards will postpone the yearly expense for the main year as an allurement for you to apply. Different cards don’t charge a yearly expense however may be nitty gritty. Contingent upon your objectives, a yearly charge may be justified, despite all the trouble if the card offers you something of equivalent or more prominent incentive consequently.


  • Sign-up reward. Some credit cards will offer you a join reward as money back or different prizes on the off chance that you meet their base spending necessity inside a specific measure of time. In the event that you would spend the cash in any case, a join offer can be an awesome method to get compensated for shopping. However, agreeing to accept various cards just to win rewards can hurt your credit score as it can make an excessive number of request with the credit departments. A few banks won’t favor you for a card on the off chance that you’ve opened such a large number of records in a brief timeframe.


  • Balance exchange expense. In case you’re combining obligation to an equalization exchange card, there may be a parity exchange charge, typically extending from 3% to 5% of the sum being exchanged. It’s critical to compute the measure of this charge to ensure you aren’t adding more to your obligation than you’re paying in enthusiasm on the first card.


  • Foreign trade charge. Some credit cards add an extra charge to every universal charge, making each buy more costly. On the off chance that you purchase a $100 gift with a card that charges a 3% remote trade expense, that implies you’re paying an additional $3 only to utilize that card. The best travel cards don’t charge any outside trade expenses, settling on them a superior decision for utilizing abroad.


  • Card chip. An expanding number of credit cards are installed with a microchip that you plunge (rather than swipe) at a card peruser. Additionally called EMV innovation, which remains for Europay, Mastercard, and Visa, this is viewed as a more secure installment strategy than swiping.


  • Mobile wallets. A portable wallet gives you a chance to utilize your credit card data by putting away it on your cell phone. It utilizes an innovation called Near Field Communications, or NFC, that gives you a chance to tap an empowered installment terminal with your gadget as opposed to opening your wallet and taking out your card. Apple Pay and Samsung Pay are two of the most generally known portable wallets.

Picking the correct credit card

With lucrative join rewards and liberal prizes offers, picking your first credit card is an energizing procedure. The card that is appropriate for you will differ contingent upon where you are in your money related voyage.

Building credit

On the off chance that you are hoping to assemble your credit, we suggest you investigate a portion of our understudy cards or cards for reasonable or restricted credit. One of our most loved credit cards for building credit is the Capital One QuicksilverOne Cash Rewards Credit Card. On the off chance that this card doesn’t appear to be a good fit for you, there are still a lot of other credit cards for reasonable credit.

What to search for:

  • Low or no yearly charge.


  • A fair rewards rate on standard buys.


  • Reasonable APR.


  • The capacity to build your credit constrain as your credit score makes strides.


Remaking credit

For customers who have committed money related errors previously, a credit card (when utilized appropriately) can be an awesome instrument to expand your credit score rapidly. Your best wager is likely going to be an anchored credit card. With an anchored card, you will be required to put down a store that fills in as your credit restrict. While this won’t quickly expand your spending power, these cards regularly have bring down charges and punishments than unbound credit cards for awful credit.

What to search for:

  • Fees and punishments.


  • Deposit alternatives for anchored cards.


  • Ability to graduate to an unbound card.


  • Opportunity to build your credit restrict after some time.

Expanding money back and remunerates

Credit card organizations offer tempting prizes to ensure that purchasers keep their cards top-of-wallet. There are three fundamental kinds of remunerations cards: money back, focuses rewards, and travel cards. Notwithstanding how you shop and how you want to reclaim rewards, there is a possibility for everybody.

What to search for:

  • Rewards rate.


  • Rewards structure (e.g. level rate money back, turning class money back, layered prizes focuses, and so on.)


  • Sign-up reward.


  • Annual expense.

Making a substantial buy

While we don’t prescribe conveying an equalization on most credit cards, special cases can be made for expansive buys on the off chance that you meet all requirements for a 0% intrigue credit card. These cards offer starting times of up to 21 months intrigue free. On the off chance that you feel positive about your capacity to make an expansive buy and pay it off instantly, consider a prizes card with a liberal join reward.

What to search for:

  • Introductory 0% intrigue offer term length.


  • Sign-up reward.


  • Rewards rate.


  • Annual charge.

Where to begin while applying for a credit card

Everybody has distinctive monetary conditions and the best card for you is probably going to be not quite the same as the one that is best for your accomplice, companion or associate. The primary spot to begin is with a free credit check. When you know which cards you are probably going to endorse for, think about two things: What do you spend the most on? Also, what do you need out of the card? The correct card for you will rely upon your family unit’s way of life and spending designs.

For a bustling rural family who spends vigorously on staple goods and gas, a money back card that offers compensates in those classifications could be the correct match. In any case, street warriors and globetrotters may passage better with a credit card that offers helped compensates on movement and feasting. Undergrads and late alumni, then again, might profit the most from a card went for helping them assemble credit.

In case you’re torn between two offers that appear to be comparative, check and analyze on the off chance that they have any join offers, which can ordinarily be worth somewhere in the range of $150 to $1,500 in the event that you meet a base investing prerequisite inside the predetermined energy time frame. In the event that the two cards offer similar advantages, it more often than not bodes well to run with one that offers a reward.

Be that as it may, you shouldn’t really agree to accept a card since it accompanies a reward. In spite of the fact that these lucrative offers can be alluring, longer-term it pays to make sure that the advantages of the card past any underlying reward are as yet a counterpart for your ways of managing money.

Instructions to utilize a credit card

There’s extremely just a single control to make progress toward when you have a credit card: fork over the required funds and on time each month. When you don’t pay it off, you collect back charges, which can run from a yearly rate (APR) of 11% to as much as 36% relying upon the credit card. On the off chance that you keep on conveying an equalization and simply make the base installments every month, you’ll include those intrigue charges onto your current obligation and increment your money related weight.

Conveying a huge equalization on your card can likewise influence your obligation to-accessible credit proportion and negatively affect your credit score. This is vital in light of the fact that your credit score decides the rates you’re qualified for on everything from a home loan to a car advance to other credit cards. The lower the rate, the less intrigue you’ll pay.

On the off chance that you should convey a parity, a good dependable guideline is to keep your credit card charge at 30% or not as much as your card’s greatest farthest point. For instance, on the off chance that you have a credit card with a breaking point of $10,000, endeavor to never convey an equalization bigger than $3,000.

Satisfying your card each month? You could profit by utilizing a prizes credit card that offers money back, focuses or different motivating forces only to shop the manner in which you regularly would. Remember the estimation of these prizes—commonly somewhere in the range of 1% and 5% of the measure of procurement, will dependably be not as much as the twofold digit intrigue you’ll pay on your obligation.

On the off chance that you complete tend to convey a parity on your credit card, you’d be in an ideal situation with a low-intrigue card than one that pays compensates however has a more extreme financing cost.