Best Credit Cards of 2019

Finding the best credit cards is both an art and science. To some extent it’s about the numbers. You look for cards with the lowest interest rates or 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 what your financial goals are, such as earning rewards, paying down debt with a 0% offer, or just having an everyday card you can use. You also need to consider your credit score.

With those caveats in mind, we’ve assembled a list of the Best Credit Cards for 2019 by category as selected by the editors of allcards.com. There are, of course, other options. With each category we’ve included a link to a larger list of credit cards. And following this list, you’ll find more details about these offers and information about our ranking methodology.

Cash Back Cards

There are two approaches to cash back cards. Either you carry one card with excellent rewards, or you carry 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.

If you want to maximize your cash, the Chase Freedom and Blue Cash Preferred® Card from American Express are two excellent options.

Here are details on these and other cash back credit cards.

Blue Cash Preferred® Card from American Express

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Welcome Offer: Earn $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations, and 1% other purchases. Terms and limitations apply.
NEW 6% Cash Back on select U.S. streaming subscriptions including Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple Music, Amazon Music or Video (Does not include Prime membership).
NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
With the Blue Cash Preferred^® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
0% intro APR on purchases and balance transfers for 12 months, then a variable rate based on your creditworthiness and other factors.
Annual Fee: $95
Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

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Early Spend Bonus: $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase
Intro APR: 0% intro APR on purchases and balance transfers for 15 months
No annual fee
No foreign transaction fees

Chase Freedom Unlimited

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Cash Back Rewards: Earn 3% cash back on all purchases in your first year on up to $20,000 spent. Then earn unlimited 1.5% cash back on all purchases
Intro APR: 0% for 15 months from account opening on purchases and balance transfers
Free credit score, updated weekly with Credit Journey
No annual fee

Click here to learn more about the Chase Freedom Unlimited and similar credit cards.

Wells Fargo Cash Wise Visa® Card

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Welcome Offer: Earn $150 after spending $500 within the first 3 months.
Cash Back: Earn 1.5% cash rewards on every purchase
Cash Back Bonus: Earn 1.8% cash rewards on qualified mobile wallet purchases during the first 12 months from account opening
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
Intro APR: 0% Intro APR for 15 months on purchases and balance transfers
$0 Annual Fee
Click here to learn more about the product features, terms, and conditions

Chase Freedom

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Signup Bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
1% Cash Back: Earn 1% cash back on all other purchases
Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers
Free credit score, updated weekly with Credit Journey
No annual fee

Click here to learn more about the Chase Freedom and similar credit cards.

Capital One® QuicksilverOne® Cash Rewards Credit Card

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Cash Back: Earn 1.5% cash back on every purchase
Get access to a higher credit line after making your first 5 monthly payments on time
Free credit monitoring with the CreditWise® app
$0 fraud liability if your card is ever lost or stolen
Get customized alerts and manage your account with the Capital One mobile app
$39 annual fee

Capital One® Savor® Cash Rewards Credit Card

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Early Spend Bonus: Earn $300 cash bonus after you spend $3,000 on purchases within the first 3 months
4% Cash Back: Earn 4% cash back on dining and entertainment
2% Cash Back: Earn 2% on groceries
1% Cash Back: Earn 1% on all other purchases
Intro APR: 0% intro APR on purchases and balance transfers for 9 months
$0 intro annual fee for the first year, $95 after that
No foreign transaction fees

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.