Picking the best credit card is no easy task. It depends largely on your financial goals (e.g., travel, cash back, 0% APR, build credit), how many cards you want to carry, and your credit score.
For me, the best credit cards are those that allow me to maximize cash back. I use many cards listed here and save and invest ALL the rewards. For more on my approach to credit card rewards, check out the video below.
Of course, you may have different goals. For that reason, we've selected 14 of the best credit cards ideal for any financial goal.
Overview of the Best Credit Card Offers
Best Overall Credit Cards
Chase Sapphire Preferred® Card

This card does come with a $95 annual fee. The benefits, however, make the card well worth the cost.
Perks include Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, and more.
You can earn 60,000 Chase Ultimate Rewards points when you signup for the card and spend $4,000 on purchases with the card in the first 3 months. These points are worth $750 in travel when you redeem through Chase Ultimate Rewards.
Rewards Recap:
Chase Freedom Unlimited®

Additional perks include no annual fee, 0% APR on purchases and balance transfers for 15 months from account opening, then a variable APR of 15. You also get free credit score access updated weekly with Credit Journey.
Rewards Recap:
Cash Back Cards
Blue Cash Preferred® Card from American Express

There is a $0 intro annual fee for the first year, then $95.
Rewards Recap:
Chase Freedom Flex(SM)

There's no annual fee, and perks include free access to your credit score and a 0% APR introductory rate for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
You can get a $200 bonus after signing up and spending $500 on purchases with the card in the first 3 months.
Rewards Recap:
Wells Fargo Active Cash Card

You can earn unlimited 2% cash back on all purchases, a $200 bonus when you spend $1,000 in the first 3 months, and 0% APR for 15 months on purchases and balance transfers. There's also no annual fee.
Rewards Recap:
Citi® Double Cash Card - 18 month BT offer

There's no annual fee for this card and there's also an introductory 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Rewards Recap:
Alliant Cashback Visa® Signature Credit Card

Rewards Recap:
Amazon Prime Rewards Visa Card

There's no annual fee and no caps on rewards. Earn up to 5% cash back and the welcome bonus is a $100 Amazon gift card.
Rewards Recap:
See also: Our complete list of cash back credit cards
Balance Transfer Credit Cards
U.S. Bank Visa® Platinum Card

With the economic uncertainties brought about by Covid-19, many credit card issuers have removed their 0% balance transfer offers. However, there are cards remaining that offer 0% on balance transfers and purchases. This card offers 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%. There's also no annual fee.
See also: Our complete list of 0% credit cards
Travel Rewards Credit Cards
American Express Gold Card

There are also no foreign transaction fees, making this an excellent card for international travel. The annual fee is $250, and you can choose between a Gold or Rose Gold card.
Rewards Recap:
The Platinum Card® from American Express

There is a $695 annual fee, but the card also offers several credits, including a $200 Hotel Credit, $240 Digital Entertainment Credit, $200 Airline Fee Credit, $200 Uber Cash, $300 Equinox Credit, and a $189 CLEAR Credit. See terms and conditions.
Rewards Recap:
Capital One Venture Rewards Credit Card

The annual fee is $95, and perks include no foreign transaction fees, up to $100 credit for Global Entry or TSA PreCheck.
Earn up to 5x miles. Miles aren't specific to any airline or hotel, so they can be used anywhere. Miles won't expire for the life of the account. You can also transfer miles to more than 10 travel programs. Plus, travel when you want with no blackout dates.
Rewards Recap:
See also: Our complete list of travel rewards credit cards
Journey Student Rewards from Capital One
Bad Credit, Fair Credit and No Credit

You can also be automatically considered for a higher credit line in as little as six months, monitor your credit profile with the CreditWise® app, get customized alerts and manage your account with the Capital One mobile app. Plus, pay on time to boost your cash back to a total of 1.25% for that month.
Rewards Recap:
Capital One QuicksilverOne Cash Rewards Credit Card

You can get automatically considered for a higher credit line in as little as six months, free credit monitoring with the CreditWise® app, and $0 fraud liability if your card is ever lost or stolen. You can also get customized alerts and manage your account with the Capital One mobile app.
Rewards Recap:
See also: Our complete list of the best credit cards for credit scores of 650-700, 600-649, and under 600.
Complete List of the Best Credit Cards
Below see our list of credit cards that we have rated 4.5 stars or better (5.0 is the highest possible score). Check out the reviews of each card for more details on rewards, annual fee and signup bonuses.

1-3x points
$95
100,000 Points
4.9

2x - 10x
$395
75,000 Miles
4.9

1x to 3x points
$0
20,000 Points
4.8

1.5%
$0
None
4.8

1-3%
$0
None
4.8

3x to 7x points
$0
100,000 Points
4.8

1% - 5% Cash Back
$0
$500
4.8

1x - 5x
$95
50,000 Points
4.8

2%-5%
$195
$1,000
4.7

3x to 26x points
$99
175,000 Points
4.7

1.5% - 5%
$0
$500
4.7

2x to 6x points
$95
100,000 Points
4.6

2x to 17x points
$0
120,000 Points
4.6

2% Cash Back
$0
None
4.6

1 to 3% cash back
$0
$50
4.6

3x - 26x points
$99
140,000 Points
4.6

1x - 2x miles
$99
75,000 Miles
4.6

1x - 3x miles
$250
95,000 Miles
4.6

1.5% or 1x points
$125
$1,000
4.5

2x - 3x Points
$99
50,000 Points
4.5

1x miles
$450
50,000 Miles
4.5

1x - 3x miles
$550
90,000 Miles
4.5

1.5% to 5%
$0
None
4.5

1x-10x
$695
80,000 Points
4.5

1x to 2x miles
$99
70,000 Miles
4.5

1X to 4X points
$199
80,000 Points
4.5

2x - 5x miles
$95
75,000 Miles
4.5

1x - 2x
$0
15,000 Points
4.5

1 to 3 Avios
$95
75,000 Miles
4.5

1x to 2x Miles
$99
65,000 Miles
4.5

1.5X - 2X Points
$95
50,000 Points
4.5

1x to 5x Points
$695
120,000 Points
4.5

1x to 9x points
$95
30,000 Points
4.5
How to Choose the Best Credit Card for You
Finding the best credit card for you is both an art and a science. To some extent, it's about the numbers. You can look for cards with the lowest interest rates and fees or the highest rewards. But it's also about matching the best credit card with your specific financial needs.
As a result, the top card will vary from one person to the next. You should consider your financial goals, such as earning rewards, paying down debt with a 0% offer, or just having an everyday card you can use. Also, consider your credit score. If you don't know your score, there are plenty of ways to access your score for free.
Cash Back Credit Cards
For cash back cards, there are two approaches. You either carry one card with excellent rewards or multiple cards to get the most out of every purchase. The one-card approach is simple but doesn't maximize your rewards. The multiple-card approach is a bit of a hassle, but you get the most cash back.
To maximize your cash, the Chase Freedom Flex(SM) and Blue Cash Preferred® Card from American Express mentioned above are two excellent options.
Balance Transfer Credit Cards
Finding the best 0% card for balance transfers is primarily about the numbers. You want a 0% offer that lasts as long as possible. And to the extent available, you'd prefer not to pay a transfer fee. That has become impossible today, as many balance transfer offers have left the market. Still, paying even a 3% balance transfer fee is better than paying a 15% interest rate if you're carrying a balance on another credit card.
Travel Credit Cards
Travel cards represent a diverse universe of rewards. They include general travel rewards independent of a specific company, airline miles cards, hotel rewards cards, and even specialty cards. The “best” travel card depends on how you use the card and how you travel.
FAQs
How many credit cards should I have?
There's no “right” answer here. The amount of cards you should have depends on what you use them for and your ability to pay them off monthly. If you travel by plane often throughout the year, a travel rewards card can get you great air miles. If you also travel by car or have a long commute, you might also choose a credit card offering high cash back for gas station spending. If you don't want to keep track of multiple cards and remember which one to use where to get the most rewards, a basic everyday spending card might be your best option.
When is it time to get a new credit card?
If you have good or excellent credit, check if the card you're currently using offers the same or better rewards and perks as the ones listed above. If you find another credit card that can beat yours and you haven't applied for credit in the last six months, it might be time for a new credit card. Choose carefully though, applying for too many cards in a short period of time can be a reason to deny your application.
Are credit cards with annual fees worth it?
If you can get your money back in the form of cash back, paying an annual fee for a credit card is worth it. These cards usually come with additional perks including airport lounge access or travel credits. Before you commit to applying for the card, do the math and be sure you can easily earn that annual fee back by using the card.
Final Thoughts
I've monitored credit card offers since 2007 and gathered this information from a database of hundreds of cards. This article contains what I think are the overall best credit cards available today.
Please note this list is updated monthly, and offers are subject to change. If you're just as keen about using the best credit cards as I am, be sure to revisit this page. I'm confident you'll find one that works for you.